When Is It Time to Adjust a Botetourt County, VA Listing in September 2026? Use response, comparable activity, and the home's positioning before changing the asking price. A listing adjustment
Hey, my name is Chris Garcia and I have been in the mortgage industry for three years. Through my time, I'd have to say that my favorite part of the job is getting to assist homebuyers as well as getting to know them over the course of their journey. I make a point to get to know my clients, I mean it's hard not to when you work so closely together. I understand just how important a home is and know that for many home is a safe-haven, a shelter, and a place to build our lives. If I can assist people in obtaining that and following their dreams, it is my honor to do so. Also, I do specialize in VA loans as assisting veterans is important to me since I, myself, am a Vet. I am proud of my service and love being able to assist my fellow service men and women.
A little more info on me when I'm not in the office, I love to spend my weekends with my wife, going to reptile shows, completing honey-do projects, or going on a nice hike. I'm active and I like keeping busy. I also SCUBA dive and really enjoy opportunities to travel both domestically and internationally. It is amazing to explore and see things that I wouldn't see in my hometown. However, I do love home. Home is with my wife and my two dogs, Wilber and Finley. They are our furry goofballs and we love them very much.
I look forward to the opportunity of working with you! Contact me today to get started!
I am proud to have helped thousands of families, friends, veterans, and community leaders buy and refinance thier homes since 1994. As a branch manager for Success Lending I am always looking to grow my team of loan officers and Realtor partners. My office is located in Carlsbad, CA but I am grateful to work in AZ, CA, CO, FL, ID, MD, TN, VA, and WA. In a crowded field of mortgage professionals I separate myself with my expertise in self employed borrowers and my knowledge of VA insured loans. Like many of you I am active in my community.
* Past President and National Convention leader for the Asian Real Estate Association of America
* Finance Chair and past board member for the Carlsbad Educational Foundation
* Past Board member for the Moonlight Cultural Foundation
* Past President for the Kiwanis Club of Carlsbad
* Past board member for the CSUSM athletic foundation
Here at ALCOVA, we believe in helping people and serving others. It’s our pleasure to make sure you and your family are taken care of, and that means finding you the best possible deal on your new home.
I earned my bachelor of science degree in psychology from Liberty University, which has helped me grow my interpersonal skills. With strong communication, we’ll be able to determine the best mortgage options for the home of your dreams.
I look forward to helping everyone that I can feel educated throughout the homebuying process whatever their mortgage needs might be. Home, to me, means stability, comfort, and security—and each family deserves all three. I’m a southern girl at heart and want everyone to have a place that they feel safe. Hospitality and feeling at home are important and are my favorite part about being a mortgage expert. It is my joy to serve with trust, integrity, and value.
When I’m not helping my clients, I’m spending time with my husband/husband of almost twenty years* and three girly-girl daughters. I also enjoy serving at my local church, being involved in community events, and sipping on sweet tea when the day is done.
I’m looking forward to hearing from you. Let’s explore your mortgage options together.
I am a dedicated, determined Loan Officer who has a passion for helping clients find the best rates and programs to fit their lending needs. I understand the mortgage process can sometimes seem overwhelming and my goal is to always communicate, support, and help however I can to make the process go smoothly.
Born and raised in Fredericksburg, VA, I truly know the local and surrounding area inside and out. I currently live in Fredericksburg with my husband, Miles, my two sons, Nathan and Ian, and our Labradoodle, Max. I love spending time with my family and friends, traveling and staying active while cheering on our boys with their sports!
I am excited to help you with your lending needs!
FAST, FREE No Obligation PreApprovals (7 days a week). Whatever is most important to you is most important to me. Year Round Grant Money! One of the strongest VA Loans in the country. Top Pricing, Fast Close Times. Mortgage Loan Officer covering all of Central Virginia. Multiple zero down options. Credit score down to 580. Mortgages are all I do! My background includes years in commercial, banking, and insurance, I still to this day also carry my active state Life/Health/Annuities License. Money management is all I know. If you are looking to buy a house whether the first time or the fifth time let me ensure a smooth process with the fastest turn times in the business, upfront underwriting to ensure no hiccups, and of course closing on time! Call or text me anytime 8042128663
Duane Buziak
Branch Leader | NMLS: 1110647
(804) 212-8663 | Direct
Licensed in Virginia
Coast2Coast Lending Partnered with American Pacific Mortgage
Corporate Office: 93 King Street | St. Augustine, FL 32084
Lender NMLS: 1850 | BRANCH NMLS: 2047476
Equal Housing Opportunity
Experienced Mortgage Banker with over 30 years in the business and is passionate about finding you the right loan for your situation. My promise is that you will receive a high level of service and you'll walk away with a positive experience
I’ve been in the mortgage industry for over 25 years, but my path here was anything but traditional. I started my career as a professional wrestler in Dallas before moving into radio as a nationally syndicated talk show host covering sports and pop culture. It was during my time hosting a mortgage radio segment that I was offered an opportunity to enter the mortgage business—and I took the leap.
Today, I serve as both a Loan Officer and Loan Counselor, with a passion for helping people navigate one of the biggest financial decisions of their lives. Whether you’re buying your first home, refinancing to lower your monthly payment, or looking to tap into your home equity, my goal is simple: make the mortgage process as smooth, honest, and rewarding as possible.
I’m proud to be part of Success Lending, in partnership with eXp Realty, which allows me to serve clients across more than 30 states.
I’m based in Lewisville, Texas, and when I’m not helping clients, you’ll probably find me doing something that keeps life interesting. I take my custom Star Wars-themed Dodge Chargers to local car shows and use them to support charitable causes. I also volunteer as a mobile DJ, a graphic artist, follow just about every sport imaginable, and consider myself a BBQ enthusiast who is still very much in training!
And yes, I’m a serious Star Wars collector.
Most importantly, I’m a family man. My wife and I have three amazing kids. One is a Doctor, another is a Percussion Director, and the third is a volleyball coach! We also share our home with four lovable rescue pups: Kona, Kahlua, Athena, and Zeus
At the end of the day, I love what I do because I get to help people accomplish something meaningful. If you’re looking to purchase a home, refinance, or explore your financing options, I’d be honored to be your mortgage resource and help you every step of the way.
I am currently licensed in the following states: AL, AZ, AR, CA, CO, CT, FL, GA, IL, IN, IA, KS, KY, MD, MI, MN, NH, NJ, NM, NC, OH, OK, OR, PA, RI, SD, TN, TX, VA, and WA
My joy of working with home owners began over 20 years ago early in my finance career after purchasing my 1st home. I like the idea of helping others achieve their financial goals by bringing the dream of homeownership to reality. I am a Virginia Housing approved homebuyer education class facilitator and volunteer my time participating in affordable housing related matters. In my spare time I enjoy reading, spending time with family/friends, creative projects and traveling.
Kat is a recent graduate of Liberty University with a Bachelors of Applied Science in Financial Business Administration and Management. She adds this degree to her two Associates from Piedmont Virginia Community College in both Business Management and General Studies. She brings a certain expertise to our team having worked in finance, banking, sales, and customer service for 20 years, serving Charlottesville and surrounding counties graciously.
Experienced and educated, she is creative in originating loans that suit her client’s needs, interests, and goals. Her inherent dedication and enthusiastic nature make for a smooth transaction and aid in reaching her personal goal: to exceed customer expectations. Kat is the office’s social butterfly. She spends her free time gathering with friends and family at impromptu barbeques and is passionate about celebrating and enjoying life through new experiences and traveling.
Kat also advocates for the underprivileged in our local community by dedicating her time and efforts to Central Virginia Health Services, a local non-profit health foundation that offers various medical services to those underserved throughout Central Virginia. She is proud fur parent to three French bull dogs and two Shorty Bulls for whom she cares for unconditionally. As a hobby breeder, Kat enjoys giving loving families the opportunity to find the same joy she has in her fur babies.
With over 38 years of residential mortgage lending experience, I have performed at peak levels including winning Chairman’s Club status and leadership roles serving the lending needs of builders, homebuyers and real estate professionals. In this capacity, I have been responsible for managing and directing the work for a team of Mortgage Loan Consultants. My extensive background in the mortgage industry has allowed me the opportunity to help clients find financing that complements their wealth-building strategies and I have guided them through the process every step of the way. That experience has proven to be invaluable in assisting each and every client. More than just concentrating on what the client wants, I intuitively work with them to discover why homeownership is important and how it fits in with their family's life goals. I understand the client needs and how to customize the loan to meet the clients' financial goals. I am experienced with the new construction market and have financed every dream from starter condo to mansion. I am a Buyer’s Mortgage Banker and pride myself in working with all types of homebuyers who require different levels of support and coaching to achieve homeownership. I am a problem solver and keep a “can do” attitude in this highly regulated industry. My team prides itself in transparency, accessibility and delivering at an extremely high level of service to our partners.
Hello, my name is Matt Lake and I live in Canton, GA, which is about 45 minutes north of Atlanta. I started in the mortgage business in 2000 and have closed thousands of loans over the last 2 decades. My experience and expertise allow me to simplify a complex process, explain guidelines thoroughly and structure to close all types of mortgages. One of my goals with every client is to guide them through the process as easily and stress-free as possible. I know the importance of finding a dream home and I believe that a home is one of the foundation blocks for a family. Buying or refinancing a home is an important step for a person or family and I love that I can be a small part to make that a reality.
My family, which includes my wife of 20 years and two teenage boys, loves to camp and explore the country in our RV. I am a Head Coach for the local Georgia Cycling Mountain Bike Team and have coached numerous other youth sports over the years. I am a coffee fanatic and enjoy volunteering in my local community as a motivational speaker. I have had the privilege of being featured at student retreats, fundraisers, FCA gatherings, school functions, and numerous other events.
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist.
Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.
Ensuring that you make the right choice for you and your family is my ultimate goal. I am committed to providing my customers with mortgage services that exceed their expectations. I hope you’ll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.
After you’ve applied, I’ll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone or email for personalized service and expert advice.
I’m Clay, a Sr. Loan Officer with Main Street Home Loans. I pride myself on being a top professional in the marketplace with more than 21 years of mortgage-lending experience. I am very knowledgeable about the various home loan products available, including those for first-time homebuyers as well as jumbo, FHA, VA, renovation, construction, and refinance loans. My team and I consistenty rank in the Top 1% of Loan Orignators Nationally.
I work with some of the top real estate agents in the area to deliver a world-class experience. Referrals are the heart of my business, so I appreciate your help in spreading the word about my services.
Over the years I have served on the Board for the Richmond Mortgage Bankers Association as well as many committees for the Home Building Association of Richmond.
As a realtor and a grandmother, Robin is part of a growing family team. Since 2005, Robin has been associated with the Real Estate industry in many facets and now she has added mortgage loan officer to her resume.
It's been a thrill for her getting into mortgages and she really enjoys helping buyers get into their new home. In helping her clients, Robin's number one goal is create lasting relationships with them and leave each experience with new friends.
Having been a realtor for 17 years and licensed in both Florida and North Carolina and now a loan officer, Robin is able to assist buyers with her professional experience in both fields. This gives Robin great insight into both parts of homebuying and therefore helps her service her clients in both areas of their home buying experience even better.
To provide a little more insight to her personal life, Robin calls North Carolina home. More specifically, she lives in the Charlotte and Lake Norman area with her high school sweetheart/husband (Go Panthers!). With a large family consisting of 4 grown children and 13 grandchildren. Time spent with all of them is precious. Robin and her husband spend many weekends enjoying the local walking trails and parks along with spending time with our kids and grandkids. Robin's love for her family and getting to watch her kids grow up and have their own families has been such a blessing. However, if she is not with her family, Robin and her husband enjoy traveling. Traveling is always such an amazing opportunity and allows them to explore new places together.
I have been in the Finance and Management industry since 2003. I started my journey working for Costco while pursuing my degree in Business Management. From there I was promoted several times and moved into upper management. My responsibilities while working there where to manage P&L, payroll and all other finance related task. Then I transitioned into acquisitions for a real estate investors while continuing my career with Costco. All of that leads us to 21st Century Lending and an amazing career in mortgage lending. The skills that I obtained through school and Costco Wholesale have made me one of the Top Mortgage Originators in the Country.
When I'm not working as a mortgage originator I am very busy with my family. My wife and I have Four kids, ages 22, 19, 15, 15 so that alone keeps me very busy. I also enjoy coaching sports, I have coached my youngest boys football and basketball teams for several years. We enjoy the outdoors always camping, hiking and traveling.
As a seasoned mortgage professional, I have built a reputation for providing outstanding service to my customers. With over 25 years of experience, I have repeatedly been recognized as a top producer in the finance and mortgage industry. I am dedicated to my clients and work to ensure that they have an excellent experience throughout the entire mortgage process.
Whether you are a first-time homebuyer, looking to refinance your existing house, or considering purchasing your dream home, I have the knowledge and experience to help guide you from pre-qualification to closing, and beyond. I am a Raleigh native and enjoy spending time with my wife and 2 children. I love pulling for the Tarheels and any spare time I have I enjoy bass fishing and competition BBQ.
Give me a call today to begin your home buying process!
Kevin Onizuk started in the lending industry in 1994. His career in the mortgage business started as a top producing loan officer and he has gone on to become a leader in organizations that have originated and managed billions of dollars in lending volume. He is recognized as an industry expert and has been a featured speaker and trainer in industry events across the country. He has been a featured columnist for The Scotsman Guide magazine, hosts a radio talk show on mortgage lending, published a weekly Realtor marketing newsletter, and is recognized as a “problem solver” within the industry. Kevin is also a qualified trainer for the Virginia Housing Development Authority (VHDA) new home buyer program.
Kevin uses his thorough understanding of the loan process and real estate industry to provide outstanding support and service to his customers and referral partners. Kevin is dedicated to finding the best products, programs and interest rates for all of his clients. His belief in open, honest communication facilitates the smoothest loan process available from application, to approval, to closing.
In 2013 Kevin was elected to the James City County VA Board of Supervisors where he served as the Jamestown District Supervisor and Chairman of the BOS. He also served the local community as the Chairman of the Board of the Williamsburg Area Destination Marketing Committee (WADMC) and as a board member of the James City County Service Authority and the Williamsburg Area Chamber and Tourism Alliance.
Kevin lives in Williamsburg, Virginia with his family, including his wife Jamie, his two daughters Makenzie and Raegan, and his son Chase. In his spare time he enjoys spending time with his kids, reading, exercising, and outdoor activities.
William Hendricks is a licensed Mortgage Loan Officer with over 25 years experience in the financial services industry. He has held licenses in insurance, investments, and mortgages. He started as a teller with a local bank while in college and fell asleep at the drive thru while studying on a slow day. The customer actually tooted their horn to wake him up! William received his Bachelor of Science in Marketing from Virginia Commonwealth University in 1991 and worked his way up from retail banking into management. After leaving the banking world in 1997, he started working for a mortgage broker, then took a few years to represent a major financial services company where he helped clients put together financial game plans and got his Mortgage Broker’s License. This experience has given him a unique perspective in evaluating his clients’ needs. William grew up in Highland Springs, VA and currently lives with his wife and 3 boys in Mechanicsville, VA. Specialties: Working with clients, Builders & Realtors through timely, effective and patient communication throughout the mortgage process so that the only surprises at closing are pleasant ones!
Since our inception in 1970, American Financial Network, Inc. has guided hundreds of thousands of aspiring homebuyers through the process of achieving homeownership. Driven by the belief that homeownership should be accessible for everyone, we go the extra mile for every customer, while providing a personalized experience unmatched in the industry.
Guided by the vision and dedication of our President and CEO, Brian Eller, we’ve built a world-class company where people come first. With a culture that stands out in the mortgage industry, you won’t find employees here – only Partners - who live by the shared values of our Code of Conduct. We respect one another, communicate openly and hold each other accountable.
Our commitment to delivering personal, world-class service has helped us expand our reach into over 44 states + D.C. and grow our annual lending volume over $5 billion in responsible lending per year, and over $13 billion in 2021.
As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.
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