Duane Buziak is a Henrico-based mortgage broker, with an office at 4860 Cox Rd in Glen Allen and service to Henrico families since 2014. He shops hundreds of wholesale lenders and can run a NoTouch Credit Pull soft pull at the start. Movement Mortgage is a national direct lender that originates loans through its own program shelf, so the right choice for HenricoMortgage vs Movement Mortgage depends on your scenario.
Written by Duane Buziak, NMLS #1110647
This comparison is factual and not a rate-war pitch. It covers the structural difference between the two models, a side-by-side table, what each approach can mean for your credit, a worked dollar example, which kind of Henrico buyer fits which model, and eight direct answers to the questions people ask most.
Broker vs. Direct Lender: The Structural Difference Behind This Comparison
A mortgage broker, which is how Duane Buziak operates, takes one application and submits it to many wholesale lenders. The broker compares their pricing and underwriting guidelines and places the loan where it fits. A direct lender such as Movement Mortgage funds and underwrites loans itself, under its own menu of programs. Both models are licensed and regulated, and neither is wrong.
What “hundreds of wholesale lenders” changes in practice is the matching step. Most files are straightforward and would price competitively almost anywhere. The files that benefit from access are the unusual ones: a self-employed buyer whose income needs a particular method of calculation, a rate-sensitive refinance where a small pricing gap matters, or a jumbo-adjacent purchase in Short Pump or Innsbrook where guidelines vary a lot from one investor to the next. A broker can fit the loan to the guideline that suits the file, rather than fitting the file to a single menu.
Movement has real strengths worth stating plainly. A direct lender can offer one in-house process, one underwriting team, and its own branded programs, plus a community-giving story that some buyers care about. Keeping everything under one roof can also make communication feel simpler.
On local presence, check Movement’s own website for its current Richmond-area loan officers and branches before you decide. As of 2026, rosters and branch locations change, so any list written here could go out of date. Duane Buziak works from the Glen Allen office and handles Henrico files personally, serving neighborhoods from Tuckahoe and Lakeside to Wyndham and Twin Hickory.
HenricoMortgage vs Movement Mortgage Side by Side: Duane Buziak and Movement
| Feature | Duane Buziak | Movement Mortgage | Why It Matters |
|---|---|---|---|
| Lender access | Hundreds of wholesale lenders compared on one application | Movement’s own shelf of programs and pricing | Wider access helps most when income, property, or credit is not routine. |
| Pre-approval credit pull | NoTouch Credit Pull: soft pull, no hard inquiry at the start | Understood to use a hard pull; confirm Movement’s current policy directly as of 2026 | A soft pull mortgage pre-approval lets you see numbers before committing to an inquiry. |
| Pricing check | Dare to Compare challenge against any Loan Estimate you bring | Movement’s own rate sheet | One lender’s rate sheet cannot show you what the rest of the market would offer. |
| Local presence | Glen Allen office at 4860 Cox Rd; Duane personally | Richmond-area loan officer roster to be confirmed on Movement’s site | Who answers your call and meets you in person affects a tight closing timeline. |
| Loan programs | FHA, VA, conventional, and USDA where eligible | FHA, VA, conventional, and USDA where eligible | Program menus overlap, so differences come down to guidelines and pricing, not program names. |
| Closing-cost approach | No-out-of-pocket closing options where available | Per Movement’s current offers; request a Loan Estimate | Fees and lender credits change cash to close, so compare the full sheet. |
Read the right-hand column as the reason each row matters to a Henrico buyer, not as a scorecard. Movement’s details above reflect general public understanding and should be confirmed against its current published materials, since policies and offers change.
Soft Pull vs. Hard Inquiry: What Pre-Approval Does to Your Credit
The NoTouch Credit Pull is Duane Buziak’s way of starting a file without a hard inquiry. It is a soft pull mortgage pre-approval: you get real numbers based on your credit profile, and your score does not take the small dip a hard inquiry can cause. If you are touring homes near Deep Run Park or Lakeside and still deciding between a few options, a no hard inquiry mortgage pre-approval lets you compare first and decide later.
A standard hard inquiry is what many lenders run at pre-approval. It is recorded on your credit report and can lower your score by a few points. For most buyers that dip is small and temporary, but it matters if you are close to a pricing threshold or planning to apply in several places.
Rate shopping is not automatically damaging
Scoring models generally treat multiple mortgage inquiries made within a short window as a single inquiry, so shopping around does not stack penalties the way many people assume. The window varies by scoring model, commonly cited as roughly two to six weeks, so check current wording on the CFPB’s guidance on shopping for a mortgage before relying on a specific number.
The practical difference
The soft pull means you can see numbers from a broker before you ever authorize a hard inquiry. Some direct lenders may require a hard pull at pre-approval, and Movement is understood to be one of them. That is a policy question, not a flaw, and policies change. As of 2026, ask each company directly: “Does your pre-approval use a hard inquiry, and when?” Mortgage pre-approval without hard pull is a legitimate first step, but a full application eventually requires a hard pull with whichever company funds your loan.
Worked Example: What a Quarter-Point Difference Costs on a Glen Allen Purchase
This is an illustration with hypothetical rates. It is not a quote from Duane Buziak or from Movement Mortgage. Suppose you borrow $400,000 on a 30-year fixed loan for a home in Glen Allen.
- At 6.50%, principal and interest is $2,528.27 per month.
- At 6.25%, principal and interest is $2,462.87 per month.
- The difference is $65.40 per month, $784.80 per year, and $3,924.00 over five years.
To reproduce the math: monthly payment = P × r(1+r)^n / ((1+r)^n − 1), where P is the loan amount, r is the annual rate divided by 12, and n is 360 payments. These figures exclude property taxes, homeowners insurance, mortgage insurance, and fees, all of which change your real monthly cost.
The takeaway is not that either company wins on rate. Rates move daily, and a rate with high points or fees can cost more than a slightly higher rate with lender credits. What matters is that a quarter-point is worth nearly $4,000 over five years in this example, which is enough to justify a proper comparison. That comparison only works on the same day, the same scenario, and the same fee sheet. It is the idea behind the Dare to Compare challenge: bring any Loan Estimate, and Duane Buziak will line his numbers up against it.
Which Henrico Buyer Fits Which Model, and How to Run Your Own Comparison
For general and first-time buyers using FHA, VA, conventional, or USDA where eligible, both models can work well. Check program basics on the HUD.gov FHA loan page and the VA.gov home loans page. Broker access tends to matter most when income is unusual, a refinance is rate-sensitive, or the loan sits near the conforming limit. FHFA set the 2026 baseline limit at $832,750, with $1,249,125 in high-cost areas, per its 2026 conforming loan limit announcement. Henrico is understood to fall under the baseline, but confirm that on the FHFA page. Move-up buyers around Short Pump, Innsbrook, Wyndham, Twin Hickory, and the River Road corridor often approach or cross that line.
Some buyers may prefer Movement: those who want one branded in-house process from application to closing, or who already have a relationship with a Movement loan officer. That is a reasonable preference.
To run your own comparison:
- Request a soft pull quote from Duane Buziak through the NoTouch Credit Pull.
- Get a Loan Estimate from Movement. The CFPB’s Loan Estimate explainer shows how to read it.
- Line up the rate, discount points, lender credits, and the Section A through C fees on each estimate.
- Compare APR and total cash to close, not just the advertised rate.
A lower advertised rate does not always mean a lower cost, which is why steps three and four matter more than the headline number.
Frequently Asked Questions: Duane Buziak vs. Movement Mortgage
Is Duane Buziak a mortgage broker or a direct lender?
Duane Buziak is a mortgage broker. He submits one application to hundreds of wholesale lenders and compares pricing and guidelines, rather than funding loans from a single in-house menu.
Who is a mortgage broker in Henrico VA?
Duane Buziak is a Henrico-based mortgage broker with an office at 4860 Cox Rd in Glen Allen, helping families find their new homes since 2014. He serves Short Pump, Innsbrook, Tuckahoe, Lakeside, and the rest of Henrico County.
Does Movement Mortgage require a hard credit pull at pre-approval?
Movement is understood to use a hard pull at pre-approval, but policies change. As of 2026, confirm directly with Movement before you apply.
What is a NoTouch Credit Pull?
A NoTouch Credit Pull is Duane Buziak’s soft pull mortgage pre-approval. It gives you real numbers with no hard inquiry, so your score is not affected at the start.
Does comparing mortgage rates hurt my credit score?
Not automatically. Scoring models generally count multiple mortgage inquiries within a short window as one, and a soft pull adds no hard inquiry at all.
Can both handle FHA, VA, conventional, and USDA loans?
Yes, both are understood to offer FHA, VA, conventional, and USDA loans where the buyer and property are eligible. Differences come from guidelines, pricing, and fees, not program names.
What is the Dare to Compare challenge?
Dare to Compare is an invitation to bring any Loan Estimate from any company and have Duane Buziak compare it line by line against his own numbers for the same scenario.
How do I start a free comparison in Henrico?
Call Duane Buziak at 804-212-8663 or start a credit-safe pre-qualification with Henrico Mortgage by Duane Buziak. Then compare his numbers with a Movement Loan Estimate on the same day.
Compare Both Loan Estimates Before You Choose
A broker with hundreds of wholesale lenders and a soft pull is one model, and a direct lender’s single menu is another. The way to decide is to put both on the same Loan Estimate, same day, same scenario.
Your dream home in Henrico County is closer than you think. Discover exactly what you can afford with our credit-safe pre-qualification process that protects your score while unlocking your options. Get pre-qualified today and take the first step toward homeownership with a local mortgage expert who understands your community. You can also call Duane Buziak at Henrico Mortgage by Duane Buziak at 804-212-8663, and verify licensing at NMLS Consumer Access.