Refresh the spaces you use most.
A brighter kitchen, a more useful bathroom, better storage, or a layout that brings everyone together. Begin with the improvements that would make the biggest difference to your day.
Your Remodeling & Renovation Hub
Love where you live. Make your home work for you.
The kitchen everyone gathers in. Room for your growing family. A more comfortable layout for the years ahead. You may already have the neighborhood, the memories, and the address you love. Let's explore what your home could become.
I'll help you connect your ideas with a renovation or home-equity financing plan, so you can understand the possibilities before you commit to the project.
Complimentary 30-minute discovery call
What would make everyday life better?
Start with the way you want to live.
Maybe you've been saving kitchen ideas for years. Perhaps you need another bedroom, more privacy for family, or a home that is easier to move around in. You don't need every finish selected to start. Tell me what isn't working today and what you hope to change.
Have an idea, but not a financing plan yet?
Bring the changes you want to make and any estimates you have. I can help you understand how borrowing for the project would affect your current mortgage, monthly costs and available savings.
Amy DeBusk | Branch Manager & Mortgage Advisor
Amy DeBusk Home Loans, powered by loanDepot
Create room for your next chapter.
An addition, an accessible bathroom, or separate space for extended family may help your home grow with you. The project needs to fit local rules, the property, and the financing you choose.
See the potential in a home you could buy.
The right location and a house with good bones can be a starting point. A purchase-and-renovation loan may help combine buying the home with eligible improvements.
Your complimentary planning guide
Give your ideas a plan with The Remodel Roadmap.
Keep your priorities and questions together as you explore what is possible. Bring your ideas to our conversation, whether you are just beginning or already talking with a contractor.
Download Your Complimentary Remodel GuideMatch the financing to the work
There is more than one way to pay for a remodel.
The right choice depends on your current mortgage, available equity, proposed improvements, and comfortable monthly payment. I'll help you compare a renovation mortgage with using home equity, including what changes and what stays in place.
Conventional renovation financing
HomeStyle Renovation
Buy and improve a home, or refinance to include eligible remodeling in one mortgage.
Explore your options →
Improve an existing home
FHA 203(k) Renovation
Explore FHA financing for eligible repairs and improvements with a purchase or refinance.
Explore your options →
For eligible Veterans
VA Renovation
Explore approved improvements through a VA renovation option, with project-specific requirements.
Explore your options →
Explore the equity you have
Home Equity Loans & HELOCs
Compare a lump-sum loan or a line of credit and whether you can keep your existing first mortgage.
Explore your options →Replace your mortgage and access equity
Cash-Out Refinance
Compare a new mortgage that includes funds for improvements with the loan you already have.
Explore your options →
More comfort, less wasted energy
Energy-Efficient Mortgages
Explore financing for eligible energy improvements alongside a qualifying mortgage.
Explore your options →Renovation mortgage or home-equity financing?
A renovation mortgage brings the work into the loan.
With eligible renovation financing, a purchase or refinance can include approved improvements. The project usually needs a defined scope, contractor review, and an appraisal that considers the completed work. Funds for the renovation are managed through the loan's required process rather than simply handed over for any project you choose.
If you refinance, your existing mortgage is replaced. I'll help you compare the new rate, payment, closing costs, and overall financing, particularly if you like the mortgage you already have.
A second mortgage may let you keep your first mortgage.
A home equity loan generally provides a lump sum, while a home equity line of credit (HELOC) lets you draw funds during an agreed period. A second-lien option may leave your current first mortgage in place, with an additional payment for the new borrowing.
HELOC rates are often variable, and payments can change as rates, balances, and repayment phases change. I'll explain the payment structure and compare it with a home equity loan or cash-out refinance. These loans use your home as collateral, so the payment needs to work alongside your other commitments.
Independent explanation: CFPB's home equity loan and HELOC comparison.
A little planning makes room for possibilities
What needs to happen now, and what can wait?
Separate essential work from improvements you could phase in later. Ask how your plans affect daily life during construction, what funds remain for surprises, and whether the payment will fit if retirement or reduced work hours are ahead. Not every financing option allows the same work schedule, so we should review phasing before choosing a loan.
If you are creating private space for family, explore housing for caregiving and buying with family. If long-term retirement flexibility is the priority, visit Home Loans for Retirement. We will not assume future rent or an increase in value pays for the project.
From your wish list to a project you can move forward with.
- Choose your priorities. Separate needed repairs from the improvements you would love. Decide what should happen now and what could wait.
- Talk with me early. We can review your mortgage, estimated equity, income, and spending plan before you commit to a financing-dependent contract.
- Get a clear scope and contractor estimate. Include labor, materials, permits, design fees, and a cushion for unexpected work. Identify any structural changes or work that may require temporary housing.
- Compare the full financing picture. Review cash needed, closing costs, monthly payments, contractor requirements, and how the work is paid for.
- Confirm approvals before work begins. Required permits, loan approval, and contractor approval need to be in place for the chosen renovation loan. Follow its rules for deposits, starting work, and changes.
A larger loan does not automatically mean a better project. I'll help you think through the improvements that matter while leaving room in your spending plan for the rest of your life.
I'll help you connect the proposed work, estimated cost, and timing to financing options, including whether keeping your current first mortgage matters. My team can coordinate lender documentation with your contractor when needed and help you identify professional connections if your project team is still taking shape.
Make room for the people you love
Additions, separate living space, and ADUs.
You may want a parent nearby, more independence for an adult child, or space that gives everyone privacy. An addition or accessory dwelling unit (ADU) could be part of that plan, but financing depends on the project, local approvals, and the selected loan.
We will review the proposed use, plans, utilities, property value, and contractor estimate. I'll confirm whether the work fits a renovation product, home-equity financing, or another construction structure. Future rental income should only be part of qualification when the specific rules allow it.
Explore Buying and Living With FamilyWhat to love about remodeling, and what to plan for.
Keep the location. Improve the experience.
Remodeling can help you stay close to the people and places you love while creating a layout that serves you better. It can address aging systems, improve comfort, and make space for changing needs.
Leave room for the unexpected.
Work can uncover repairs, take longer than expected, or interrupt daily life. Include contingency funds and possible temporary housing. Improvements do not necessarily add dollar-for-dollar value, so compare the benefit to your life with the total cost.
Ideas and guidance for your next step.
Explore renovation financing
Buying a fixer-upper or remodeling
Read about renovation loan options and the questions to ask before choosing your project.
Explore your options →A closer look at the loan
HomeStyle Renovation explained
Learn about eligible projects, contractor approval, and the renovation process.
Explore your options →Space for changing needs
Plan with your family
Explore shared living goals and the conversations that help everyone plan together.
Explore your options →Visit the Renovation & Construction Resource Center · Organize ideas with the Remodel Vision tool
Starting with land and building a new home?
A new custom home follows a different path from remodeling an existing one. Visit Custom Construction Loans for land, plans, permits, one-time-close options, and jumbo construction financing.
Your remodeling questions, answered.
Can I remodel without replacing my current mortgage?
A second-lien home equity loan or HELOC may let you keep your existing first mortgage. You still need to qualify, have sufficient eligible equity, and account for the added payment and costs. I will compare that with refinancing so you understand the full picture.
What if I do not have much equity yet?
An eligible renovation mortgage may consider the home's appraised value after approved improvements. That does not mean every project can be financed or that you need no cash. We will review your loan-to-value, qualifications, project, and required investment.
Can I buy a home and finance the remodel together?
Yes, eligible purchase-and-renovation loans can combine the home purchase and approved improvements. The contractor, scope, appraisal, and completion requirements are part of approval. We should review the property and work before you commit to a plan that depends on this financing.
Can I do the renovation work myself?
For the renovation loan programs I offer, the work must be completed by a licensed contractor approved by the lender. These are not DIY financing options. Contractor documentation and the approved scope need to be in place before work begins under the loan.
Can I finance an addition or ADU?
Possibly, depending on the property, local approvals, project scope, and loan. An ADU or structural addition needs its own eligibility review; it is not automatically allowed under every renovation product. Bring your plans or early ideas so we can identify the right path.
How long will I have to finish the renovation?
The selected program sets the completion deadline and inspection requirements. We will confirm the allowed period and your contractor's schedule before closing. Permit delays and change orders need to be considered, and an extension should not be assumed.
Should I use a HELOC or a renovation mortgage?
A HELOC may fit when you have enough equity and want a separate line of credit. A renovation mortgage may fit a defined project that needs an appraisal based on completed improvements. I will compare payment changes, costs, available funds, contractor requirements, and your current mortgage.
Is remodeling the same as a custom construction loan?
They are related, but they serve different projects. This hub focuses on improving an existing home; custom construction financing is for building a new home, with a separate land, plans, and permitting process. For a new build, visit the Custom Construction Loans page.
Let's talk about what your home could become.
Bring your ideas, your questions, and any estimates you already have. I'll help you understand the financing possibilities and what to do next, even if your remodel is still in the dreaming stage.
Book Time With AmyCall or text (916) 705-2557.