Your Home Journey Begins Here
At Silver Lining Mortgage, every step is built on trust, speed, and simplicity. From easy approvals to transparent guidance, discover how Duane Buziak makes home financing smoother and stress-free for every client.
Quick & Easy Pre-Approvals
Get approved in hours not days. Experience a fast, transparent process designed to keep both buyers and realtors stress-free.
Your Trusted Mortgage Maestro
Count on Duane’s expert guidance and clear communication to ensure smooth closings and a stress-free mortgage journey.
NoTouch Credit Advantage
Great Rates, Greater Confidence
Access competitive loan programs designed to save more. Achieve your dream home with smart, affordable financing.
With Duane Buziak, securing your mortgage is effortless and transparent.
At Silver Lining Mortgage, we don’t just offer loans we provide clarity, confidence, and personalized guidance. Duane Buziak works with a wide range of loan programs designed to fit your lifestyle, financial goals, and timeline, ensuring a seamless journey from pre-approval to closing.
Comprehensive Support Beyond Mortgages
At Silver Lining Mortgage, Duane goes the extra mile to make your homeownership journey effortless. Through trusted partnerships with realtors, insurers, and financial experts, you’ll receive complete guidance from your first search to the day you move in and beyond.
What Our Client Says
We’re proud to have earned the trust of our clients. Here’s what they have to say about their experience with us:
Buying a home or refinancing can feel overwhelming but the right guidance changes everything. Explore expert insights, loan advice, and market updates to make confident, well-informed financial decisions.
Buying or refinancing a home doesn’t have to be stressful it’s a journey, and we’re here to make it simple, smart, and successful. Explore trusted insights, expert strategies, and personalized support designed to help you make confident financial moves.
Home Loan Insights
Discover the best loan programs tailored to your goals from first-time buyers to seasoned homeowners, find what truly fits your lifestyle.
- Compare multiple loan types with ease
- Learn which program saves you the most long-term
Market Trends & Strategies
Stay ahead with up-to-date mortgage trends and proven financial tips to make smarter, faster decisions in today’s market.
- Understand current rate movements and opportunities
- Get strategies to lock in the best possible deal
Expert Support, Always
Got questions? Our team is here with clear answers and hands-on guidance from start to close — because your peace of mind matters most.
- Connect directly with licensed mortgage experts
- Receive step-by-step help through every stage
Answers to Your General Question
What is the difference between pre-approval and pre-qualification?
The pre-approval process is much more complete than pre-qualification. For pre-qualification, the loan officer asks you a few questions and provides you with a pre-qual letter. Pre-approval includes all the steps of a full approval, except for the appraisal and title search. Pre-approval can put you in a better negotiating position, much like a cash buyer.
When does it make sense to refinance?
Usually, people refinance to save money either by obtaining a lower interest rate or by reducing the term of the loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts. The decision to refinance can be difficult, since there are several reasons to refinance. However, if you are looking to save money, try this calculation: Calculate the total cost of the refinance Calculate the monthly savingsDivide the total cost of the refinance (#1) by the monthly savings (#2). This is the “break even” time. If you own the house longer than this, you will save money by refinancing. Since refinancing is a complex topic, consult a mortgage professional.
What is rate Lock?
A rate lock is a contractual agreement between the lender and buyer. There are four components to a rate lock: loan program, interest rate, points, and the length of the lock.
What is the difference between a mortgage broker and a lender?
A mortgage broker counsels you on the loans available from different wholesalers, takes your application, and usually processes the loan which involves putting together the complete file of information about your transaction including the credit report, appraisal, verification of your employment and assets, and so on. When the file is complete, but sometimes sooner, the lender “underwrites” the loan, which means deciding whether or not you are an acceptable risk.
Will I save money going directly to a mortgage lender?
Not necessarily. In fact, if you are a reasonably astute shopper, you will probably do better dealing with a mortgage broker. Mortgage brokers do not add any net cost to the lending process, because they perform functions that would otherwise have to be done by employees of the lender. Furthermore, because mortgage brokers deal with multiple lenders in a typical case, 25 to 30, sometimes more they can shop for the best terms available on any given day. In addition, they can find the lenders who specialize in various market niches that many other lenders avoid, such as loans to applicants with poor credit ratings, loans to borrowers who do not intend to occupy the property, loans with minimal or no down payment, and so on.