No negative impact to your credit score

I can provide guaranteed findings without any hard inquiries on your credit—just ask about my soft pull credit option.

Trusted Foundation. Purpose-Driven.

At Lower Mortgage Rate, we are built on a strong foundation of trust, driven by a clear sense of purpose, and dedicated to keeping you at the heart of everything we do. We understand that securing a mortgage is one of the most important financial decisions you will make, and our mission is to guide you through the process with confidence and clarity.

Confidence comes with learning

Home Buying

Home buying is one of the most significant financial and personal decisions in life. It involves.

Calculators

Calculators are essential tools designed to perform mathematical operations quickly and accurately.

Helocs

A Home Equity Line of Credit (HELOC) is a flexible loan that allows homeowners to borrow against the equity.

Refinancing

Refinancing is the process of replacing your existing loan with a new one, typically to secure.

Secure Your Future with Lower mortgage rate

Lower Mortgage Rate helps you unlock the best mortgage solutions with ease and confidence. We focus on providing competitive rates, tailored options, and a seamless process — making homeownership more affordable and stress-free

Your Path to Smarter Homeownership

No Credit Hits

We don’t run your credit multiple times — we protect it. Your score stays safe.

100% Free

No fees, no obligations. Just answers — fast and free.

Fast & Easy

Get a clear view of your buying power in minutes — without paperwork.

NoTouch Credit Apps

Your Credit is Safe with Us

Discover your loan options and true buying power with our NoTouch Credit Apps. We get you pre-approved without a single credit hit.

Instead of spending hours searching and comparing, let me connect you with trusted, experienced realtors who truly understand your needs. We carefully check their reviews, track record, and communication style—so you get the right agent the first time. Our goal is to make your buying or selling journey smooth, stress-free, and successful.

Top Tips for HomeBuyers and Investors

Find out how to get prequalified for a mortgage without affecting your credit score, and what benefits it offers.

What Customers Say About Working With Duane Buziak Mortgage Maestro

    
 
 
       Posted on Google  
   
   Sean Huggins 
 
 
 
 Trustindex verifies that the original source of the review is Google. Duane was always available to help answer any questions we had and absolutely secured the best rate possible. He was dedicated to taking great care of us. When many others said they could, Duane was quick to deliver the results he said he would. Professional, approachable, and honest. Thank you, Sean and Ana
  
 
      Posted on Google  
   
   Josh Oliver 
 
 
 
 Trustindex verifies that the original source of the review is Google. Duane went above and beyond throughout my mortgage refinance. I shopped around multiple times, and every single time he was able to offer a better deal than the others. He saved my family a significant amount on our monthly payment, and we couldn’t be happier with the experience. Highly recommend working with him.
  
 
      Posted on Google  
   
   Taylor Bloomfield 
 
 
 
 Trustindex verifies that the original source of the review is Google. Duane truly is the mortgage maestro! He got us an AMAZING interest rate, one that other brokers told me was nearly impossible. He helped us cut out unnecessary costs, offering his expertise every step of the way. Im not sure if Duane ever sleeps, based off of how quickly he responds at all times of the day, I would guess he does not. As he once told my husband and I, he lives and breathes mortgages. We closed on our home in just under 4 weeks! FOUR! Tell your family and friends, Duane is your guy.
  
 
      Posted on Google  
   
   Nicolas Morales Fonseca 
 
 
 
 Trustindex verifies that the original source of the review is Google. Duane provided excellent service from start to finish. He was always responsive, knowledgeable, and took the time to clearly explain every step of the process. His professionalism and attention to detail made everything smooth and stress-free. Most importantly, he was able to find a great mortgage deal that fit my needs perfectly. I highly recommend him to anyone looking for a reliable and dedicated loan officer.
  
 
      Posted on Google  
   
   Lacey Conner 
 
 
 
 Trustindex verifies that the original source of the review is Google. Duane is the lender you want when the stakes are high. This was my second home purchase with him, and it truly was a once-in-a-lifetime deal layered with stress, timelines, and the anxiety that comes with building. Duane was steady, patient, and incredibly thorough. He communicated constantly, anticipated issues before they became problems, and made me feel supported and confident through every decision. His guidance turned a stressful process into a successful closing I’m deeply grateful for. I wouldn’t trust anyone else.
  
 
      Posted on Google  
   
   Tammy Brown 
 
 
 
 Trustindex verifies that the original source of the review is Google. Look no further!!! You will be so happy that you found Duane!! My husband is a small business owner and wasn't able to qualify for a traditional loan due to itemizing business expenses and his adjusted gross income. I was researching for bank statement loans in Virginia and was lucky enough to have found Duane!! He has been a miracle worker since day 1. I reached out to him and explained the situation. He told me that if he couldn't get my husband approved than no one can! He's very knowledgeable and keeps you in the loop about everything. He never sleeps, he's up all day and night working! Not only did he get the approval but at a very good interest rate!! Duane will forever be my friend and go to for any real estate loans!! Don't think twice about it,  just make the call and thank me later!!!
  
 
      Posted on Google  
   
   James Imes 
 
 
 
 Trustindex verifies that the original source of the review is Google. Working with Duane was a positive experience. He was professional, responsive, and made each step of the process easy to understand. He was available nearly all the time, always willing to answer questions and provide guidance whenever needed. Overall, the experience was smooth and straightforward, and I would recommend Duane to anyone looking for mortgage assistance.
  
 
      Posted on Google  
   
   Mitch Wygand 
 
 
 
 Trustindex verifies that the original source of the review is Google. Amazing! Personal! Knowledgeable! Pleasure working with Duane!
  
 
      Posted on Google  
   
   Veset Lak 
 
 
 
 Trustindex verifies that the original source of the review is Google. Duane is top notch. Very knowledgeable and works diligently with you every step of the way. We had a great experience! Give Duane a call if you’re buying a house!!