Welcome to Charlottesville – Your Home, Your Future

Charlottesville

Charlottesville isn’t just a city – it’s a community rich with history, culture, and natural beauty. From the scenic Blue Ridge Mountains to the charm of Downtown Mall, buying a home here means becoming part of something special. Our mortgage services are built to help you put down roots right here in Charlottesville.

Welcome to Charlottesville – Your Home, Your Future

Our Partners :

Years Experience

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With over 20 years of mortgage experience, we’ve helped countless Charlottesville families turn their dream of homeownership into reality.

Who We Are

Helping Charlottesville Families Find Home

At Cavilier Mortgage, we’re more than mortgage lenders – we’re your neighbors. Rooted in Charlottesville, we understand the charm of every neighborhood, from the historic streets near the Downtown Mall to the quiet homes with mountain views. Our mission is simple: to guide you through the mortgage process with trust, transparency, and a personal touch, so you can put down roots in the community we all love.

Why We Love Charlottesville

Strolling the Downtown Mall

Experience shopping, dining, and entertainment in Charlottesville’s vibrant heart.

Wine tasting at local vineyards

Experience local vineyards with breathtaking mountain views and rich flavors.

Hiking the Blue Ridge trails

Explore breathtaking mountain views on Charlottesville’s nearby Blue Ridge trails.

First-Time Homebuyers in Charlottesville

Buying your first home can be overwhelming, but in Charlottesville, we make it personal. From guiding you through local loan programs to helping you understand Virginia’s mortgage process, we’re here to make your journey simple and stress-free.

ABOUT OUR COMPANY

Why Should You Choose Us In Caharlottesville?

Choosing the right mortgage partner is just as important as choosing the right home. As a team rooted in Charlottesville, we understand the heartbeat of this community — from the charm of historic neighborhoods to the growth of new family-friendly developments. With over 20 years of experience, we offer more than competitive rates and flexible loan options; we offer local insight, personal guidance, and a commitment to helping you build your future here. When you work with us, you’re not just another client — you’re a neighbor.

Best Mortgage Since 2002.

Duane Buziak

CEO

Why you live in Charlottesville?

Charlottesville offers a lifestyle that blends beauty, opportunity, and community. Nestled in the foothills of the Blue Ridge Mountains, the city surrounds you with stunning scenery and year-round outdoor activities like hiking, kayaking, and skiing. Food lovers enjoy a thriving farm-to-table culture, local wineries, and breweries along the Monticello Wine Trail. As the proud home of the University of Virginia, Charlottesville thrives on energy, diversity, and innovation — making it both a cultural hub and a center for world-class education. Families benefit from top-rated schools and safe neighborhoods, while professionals find career opportunities in healthcare, education, technology, and more. Add in a walkable downtown, convenient access to Richmond and Washington, D.C., and a strong sense of community with festivals and markets throughout the year, and it’s easy to see why Charlottesville consistently ranks among the best places to live in America.

Our Services

Flexible, adaptable, and adjustable plans to fit your needs

In Charlottesville, no two homeowners are the same — from historic houses near the Downtown Mall to modern homes with mountain views. That’s why our mortgage plans are flexible, adaptable, and designed to fit your needs. Whether you’re a first-time buyer, a growing family, or looking to refinance, we create solutions that adjust to your budget, lifestyle, and future goals — all with a local touch you can trust.

7K+

Help People Get Home

Helping thousands of people find their perfect home with ease.

Low rates and affordable monthly payments

Home Purchase

Guiding Charlottesville homebuyers with expert mortgage solutions for a smooth and confident purchase.

Refinance

Refinance your Charlottesville home with better rates, lower payments, or cash-out options tailored to you.

Loan Options

Explore flexible loan options in Charlottesville—conventional, FHA, VA, and jumbo loans to fit your needs.

What We Offer

Navigating Mortgages with Ease and Confidence in Charlottesville

We provide personalized mortgage solutions tailored for Charlottesville residents. From first-time homebuyers to seasoned investors, we guide you through every step with local expertise and care.

Purchase New House

Find your dream home easily with trusted guidance and support.

Apply For Loan

Get quick, hassle-free loans with flexible plans and support.

Refinancing Your Home

Lower your rates, save money, and simplify your mortgage with ease.

Capital Management

Maximize financial growth with smart capital planning and strategies.

Renovation House

Upgrade your living space with affordable renovation plans and support.

Refinance Advisor

Expert guidance to secure better refinancing rates and flexible terms.

Get Home in Charlottesville, Live Every Cavaliers Game Day

Settle into a home just minutes from Scott Stadium and enjoy the excitement of every Virginia Cavaliers football match. With local expertise and trusted mortgage solutions, we help you live close to the team you love.

Start Your Charlottesville Homeownership Journey Today

Guiding Charlottesville residents step by step to confidently buy their perfect home, combining local expertise with personalized mortgage solutions.

Personalized Guidance

Expert mortgage support tailored to your needs, helping Charlottesville residents navigate every step of home buying with confidence.

Mortgage Solutions

Flexible, local mortgage options designed to help Charlottesville residents find the perfect home with ease and confidence.

Best City to live

Why We Love Charlottesville

Charlottesville is more than a place to live – it’s a community where neighbors become friends, history meets modern life, and every corner invites you to belong.

Strolling the Downtown Mall

Enjoy charming shops, cafes, street performances, and the vibrant heart of Charlottesville’s social life.

Wine tasting at local vineyards

Savor world-class wines and scenic landscapes just a short drive from the city.

Hiking the Blue Ridge trails

Explore trails with breathtaking mountain views, perfect for both relaxing walks and adventurous hikes.

Cheering for the UVA Cavaliers football team

feel the excitement, pride, and community spirit at every game.

Appointment

Let's Talk with a Lending Specialist

Connect with our Charlottesville mortgage experts for personalized advice and guidance every step of your home buying journey.

We guide Charlottesville residents through every stage of home buying, ensuring a smooth, confident, and personalized mortgage experience.

A personal Charlottesville mortgage expert guiding you through every detail, making home financing simple, clear, and stress-free.

Competitive mortgage rates and low fees tailored for Charlottesville residents, helping you save money while achieving homeownership.

Make an Appointment

Schedule a meeting with our Charlottesville mortgage experts to get personalized guidance and start your home buying journey.

What is the typical down payment for a home in Charlottesville?

Down payments in Charlottesville usually range from 3% to 20% depending on the loan type, your credit history, and the price of the home. We help you explore options that fit your budget and financial goals.

How do I qualify for a mortgage in Charlottesville?

Qualification depends on factors like credit score, income, employment history, debt-to-income ratio, and the local property value. Our experts guide you step by step to ensure you meet all requirements.

Are there special programs for first-time homebuyers in Charlottesville?

Yes! Charlottesville offers programs that provide down payment assistance, low-interest loans, and tax incentives for first-time buyers. We can help you identify which programs you qualify for and assist with the application process.

Can I refinance my Charlottesville home to get a lower rate?

Refinancing is a great option to lower monthly payments, shorten the loan term, or access equity. We analyze your current mortgage and local market rates to recommend the best solution for you.

How long does it take to get a mortgage in Charlottesville?

The entire mortgage process, from pre-approval to closing, typically takes 30–45 days. Timelines may vary based on documentation, loan type, and the Charlottesville property market, but we streamline every step for you.

Capital Management

Neighborhoods like Belmont, Fry’s Spring, and Crozet offer top-rated schools, parks, and family-friendly amenities. We can help you explore areas that match your lifestyle and budget.

Testimonials

What our clients say about us

Hear from our Charlottesville clients—real stories of trust, savings, and smooth mortgage experiences.

Duane Buziak Mortgage Maestro | Broker

5.0

Based on 244 reviews

review us on

Marjan Shaw

14:24 03 Oct 25

As a first-time homebuyer, I couldn’t have asked for a better experience than working with Duane Buziak and his team at Coast to Coast. He made the entire process smooth, professional, and stress-free. Even when challenges came up with our agent’s title company, Duane stayed calm, supportive, and went above and beyond to guide us through. My fiancé, who has purchased several homes before, said this was by far the easiest experience he’s ever had. I highly recommend Duane and Coast to Coast for all your lending needs!

Response from the owner 16:31 03 Oct 25

Thank you for your wonderful feedback, Marjan! We are thrilled to hear that your first homebuying experience with Duane and our team was smooth and stress-free. It's great to know that we could support you through any challenges that arose. Your recommendation means a lot to us, and we’re here for all your future lending needs!

Harper

12:17 29 Sep 25

Mr. Duane has truly been a gift to our family! His support, expertise, and professionalism made all the difference. He patiently answered all our questions and helped us secure the interest rate we were hoping for. He's truly a standout in this field — a real MVP! It's clear he has a heart for service, and we pray he receives abundant blessings, both in this life and beyond. We’re deeply grateful for the time, effort, and care he invested in us throughout our home-buying journey, all the way to helping us get our very first home here in the U.S. May God bless you

Response from the owner 20:55 29 Sep 25

Thank you, Harper! I'm thrilled to hear that my support and expertise a your mortgage broker have made a meaningful impact on your family's home-buying journey here in the U.S. Your kind words and prayers mean the world to me, and I'm grateful for the opportunity to assist you in securing the interest rate you were hoping for. As your dedicated mortgage lender, I'm always here to help with any future needs!

Lisa Paulette

13:04 09 Sep 25

Duane Buziak was a Godsend. With patience and outstanding professionalism, Duane guided me through not only a new home purchase, but navigating an emotional life transition. He is a master who competes with only him self…as he is number 1. He works tirelessly to garner the best interest rate and loan situation. He is respected by his peers and other professionals within his network. I couldn’t have made it through this daunting experience without his encouragement and expertise.

Response from the owner 12:20 11 Sep 25

Thank you for your wonderful feedback, Lisa! We're thrilled to hear about your positive experience working with Duane. His dedication to his clients and exceptional professionalism truly set him apart. We appreciate your kind words and are glad we could support you during this important transition. Congratulations on your new home!

Marla Garcia

19:27 06 Sep 25

Response from the owner 00:54 07 Sep 25

Thank you so much for the 5-star rating, Marla! I'm thrilled that you had a positive experience with Duane Buziak Mortgage Maestro. If there's anything more I can do for you as your mortgage broker, feel free to reach out anytime.

Cecilia Morejon

15:25 05 Sep 25

Although I had an overwhelming complicated style of income, Duane was a rockstar and made it happen. He dug around and found what worked for me and when lenders complicated the process even more, Duane was on top of things and we worked it out together. Things got done efficiently and neatly. A true master in his field! You can tell he lives and breaths his career and loves what he does. 🙌🙌🙌

Response from the owner 00:57 07 Sep 25

Thank you for your wonderful feedback, Cecilia! We're thrilled to hear that Duane was able to navigate your complex mortgage situation and deliver such a positive experience. His dedication and expertise truly make a difference, and it's amazing to know that you felt supported throughout the process. We appreciate your recognition of his hard work and passion. As an elite mortgage broker your satisfaction is our top priority!

John Steffy

21:21 29 Aug 25

Duane is the real deal
Is he over the top…Absolutely!
Is he aggressive…Yes!
Will he reach out to you as soon as you inquire…you bet!!!
And at the end of the day he will use that energy to get you the best deal that fits your needs.
We started out working with him almost 3 years ago. We were in a desperate situation. We did not have the necessary history for a conventional mortgage. The company that Duane worked for them did not handle such cases. When he exhausted all available avenues at his disposal, he gave me another contact who handled those cases. While that broker was far from the worker Duane was, he had an angel working for him “Crystal” her hard work and council led us to getting it done…
Flash forward to this month. I had always said I would seek Duane when we were able to refinance…our pay history was now sufficient, our credit scores had been pushed up. Duane sends an email. We reconnected.
Talking at 10pm ( someone who sleeps less than me)
2am emails ( yes I was up as well)
3 weeks later
We just signed our refi loan
3.5% drop
Closing was 2 weeks ahead of schedule
No glitches!
Why
Duane knows the business!
Duane grinds!
Duane listens to what you want!
Duane doesn’t push at the end!
Thank you Maestro!

Response from the owner 03:59 30 Aug 25

Thank you for your fantastic feedback! We're thrilled to hear about your positive experience with Duane and grateful for your trust in him over the years. His dedication and commitment to finding the best solutions for his clients truly set him apart. Congratulations on your successful refinance and the impressive rate drop! We appreciate your support and look forward to assisting you in the future.Thank you!

Kyle Blackwell

15:24 27 Aug 25

Duane and his team were amazing! He gets the rates and deals done. Trusted broker, I will recommend him to any in Virginia! Duane I couldn't thank you enough giving me the confidence to be able to close and open a new chapter in my life.

Response from the owner 03:34 28 Aug 25

Thank you for your wonderful feedback, Kyle! We're thrilled to hear that Duane and the team were able to support you in this important transition. Your recommendation means a lot to us, and we're glad to have been part of your journey. Wishing you all the best in this new chapter of your life!Thank you!

Ahad Yonus

16:51 24 Aug 25

Never submitted an inquiry for a loan. He has been blowing up my phone and emails.
S.p.a.m.

Response from the owner 22:36 24 Aug 25

Hi Ahad, I sincerely apologize for the inconvenience you've experienced with my communication efforts. I would call or email but I cannot find a name email or number associated. My system is 100% compliant so entering stop or unsubscribe would have eliminated all contact. I assure you that it's never my intention to overwhelm or disturb any potential clients. I'll immediately address this issue to prevent it from happening again. Thank you for bringing it to my attention.

J R

14:50 15 Aug 25

Duane was super knowledgeable and definitely the best broker I've used–he really fought to get us the best rate possible and kept me in the loop at all times.

Response from the owner 15:15 15 Aug 25

Thank you so much JR, for your awesome review! I'm thrilled to hear that you found me knowledgeable and that I could secure you the best rate while keeping you informed throughout the process. Your experience with me means a lot, and I'm grateful to be your go-to mortgage lender.Duane Buziak Mortgage Maestro

No Thanks

17:20 05 Aug 25

As you can tell by my username I am not a publicity hound. But I have to stop and thank Duane Buziak. I know he is the maestro but I didn't know he also saves money on title fees too. Wow. I compared over 7 different title companies and it wasn't even close. Talk about someone going the extra mile. Best rates lowest fees, and then he sent me a title company that I swear to God charged almost nothing for title fees. Amen. He goes above and beyond anyone. I had purchased 4 homes before this, never had a smoother, easier, less painful experience. And the savings, they are very real. If you are not using Duane Buziak for your mortgage, why?

Response from the owner 02:29 06 Aug 25

Thank you very much for your kind words! I'm delighted that you valued the low title fees with no settlement charge and felt the mortgage process was seamless and stress-free. Assisting you in saving money as your mortgage broker and providing a positive experience is always my aim here in Virginia

Naomi Hoehn

20:10 29 Jul 25

⭐️⭐️⭐️⭐️⭐️
I’ve worked with many lenders over the years, but Duane Buziak continues to set the gold standard. I’ve trusted him with countless clients — and recently, I had the pleasure of working with him on my own home purchase. Simply put, Duane is outstanding.

He brings a rare combination of deep industry knowledge, creative problem-solving, and genuine care for the people he works with. He doesn’t just get deals done — he gets them done right, with clarity, integrity, and speed. When things got stressful, Duane was the steady hand I needed, always two steps ahead and laser-focused on solutions.

Throughout the process, Duane was incredibly responsive (even after hours), always keeping me informed and confident in every step. He explained every detail with patience, offered insightful guidance on financing options, and made sure the entire transaction was smooth and on schedule.

As both a real estate professional and a recent client, I can confidently say Duane is the kind of lender every agent wishes they could work with. He’s not just good — he’s a game-changer. I wouldn’t hesitate to recommend him to anyone looking to buy, refinance, or simply understand their options.

If you’re lucky enough to work with Duane Buziak, you’re in the best hands.

Response from the owner 22:19 29 Jul 25

Thank you so much, Naomi! I'm truly honored by your kind words and delighted to know that my blend of industry knowledge and focus on personalized solutions made your home purchase a positive experience. As a prideful mortgage broker, It's wonderful to hear that my responsiveness and commitment to integrity left such a positive impression, both for your own transaction and with the countless clients you've trusted me with.

Yulia Kosova

03:26 29 Jul 25

Response from the owner 04:17 29 Jul 25

Thank you for the fantastic rating Yulia! I'm delighted to hear I could provide great mortgage broker services for you. If you ever need help with ITIN or any other mortgages in the future, please don't hesitate to reach out.

Keerthi G

17:17 24 Jul 25

Duane is very hardworking and knowledgeable,got us the best deal

Response from the owner 17:33 24 Jul 25

Thank you so much, Keerthi! I'm glad to hear that you appreciated my hard work and knowledge as a mortgage broker here in Glen Allen. It's always a goal of mine to get the best deals for clients, and I'm thrilled that you're satisfied with your experience. I hope you grow to love your new home

Alba Alonso

13:40 21 Jul 25

Duane has helped me with two different home purchases and I can say that he is the best for a reason! He cares about the situation you're in, gives it to you straight and guides you to the right direction. 100% recommend him for you and your family!

Response from the owner 16:14 21 Jul 25

Thank you for your kind words, Alba! We’re thrilled to hear about your positive experiences with Duane as your mortgage broker. His dedication and expertise truly make a difference in the home buying process. We appreciate your recommendation and look forward to assisting you and your family in the futureThank you!

Gary

13:14 19 Jul 25

Very straight forward and is easy to get in contact with. Without a doubt he is the best at what he does.

Response from the owner 17:19 19 Jul 25

Thank you, Gary, for the fantastic review! I’m glad to hear you found me straightforward and easy to contact. I strive to be the best mortgage broker in the industry, that, along with total client satisfaction, is the end goal.

Giaa St.Clair

19:12 17 Jul 25

Duane He Is the best.
He was there to answer all of my questions. And he put my mind at eayes.
And he made the process easy to go through. And I just want to thank you for everything you have done for me.

Response from the owner 23:03 18 Jul 25

Thank you GIAA! You are such a deserving client 🙂 I'm delighted to hear that you had a smooth experience working with me as your mortgage broker, I could provide thorough explanations and support you all day all nights ( and all weekends LOL) throughout the process. I hope you grow to love your beautiful new home

Karen Flores

23:19 15 Jul 25

Duane was magnificent, made my transaction feel so effortlessly, this comes to show it matters who you work with the Duo between him and my realtor ofc the team behind them! I can’t say enough on how pleased I am with how easy this purchase was truly earned his “maestro” nickname come to life!

Response from the owner 23:51 15 Jul 25

Thank you so much, Karen! I'm delighted to hear that you felt your mortgage transaction went effortlessly and that I was able to live up to the "maestro" nickname here in Richmond. It truly makes my day to know that working with your Realtor and providing a smooth experience made such a positive impact for you.

Mortgage Solutions

Navigate Charlottesville Homeownership with Confidence

Guiding Charlottesville residents step by step through the home buying process with expert advice, local knowledge, and personalized support.