No. Everything stays on SMS or Messenger unless you specifically ask for a call. We never initiate calls unsolicited — period. MortgageByText exists so you stay in control of the conversation.

Yes — every initial rate check through MortgageByText uses a soft credit pull only. Your score is never touched during the inquiry phase. This is our NoTouch Credit Pull commitment: no hard inquiry mortgage pre approval, no credit hit, no mortgage pre approval without hard pull sneaking in. Hard pulls only happen when you give explicit written consent to move to a full application.

Duane Buziak (NMLS #1110647) is licensed in Virginia, Florida, Tennessee, Georgia, and DC. Text RATE along with your state and scenario and we'll confirm coverage immediately.

Yes. Many clients start with a quick text and switch to Messenger — your conversation history stays with the same licensed expert. Both channels are fully supported.

Yes. We use secure encrypted links for any sensitive documents. Nothing confidential travels through standard SMS — you'll receive a secure upload portal link instead.

As an independent mortgage broker with access to 500+ wholesale lenders, we can text you options across Conventional, FHA, VA (down to 500 FICO), USDA, Jumbo, DSCR, HELOC, and non-QM programs. Text QUALIFY to see what you're eligible for.

Our average response time is under 5 minutes during business hours. You'll get a real licensed expert — not a bot — and rates are pulled live, not from a cached rate sheet.

As an independent broker, we shop 500+ wholesale lenders to find your best rate and terms — banks only show you their own products. We also operate as a Total Cost Ecosystem: partner title company (saving ~$2K at closing), discount realtor network, and insurance referrals. And unlike Rocket Mortgage or similar lenders, we never call you unsolicited. Text-first, always.