These terms apply to the public website at amydebuskhomeloans.com and to pages served from that host. The site is published for Amy DeBusk Home Loans. Amy DeBusk is Branch Manager and mortgage loan originator NMLS 281056. Origination is through loanDepot.com, LLC, NMLS 174457. She is licensed in California, Tennessee, and Texas. The office associated with this brand is 2999 Douglas Blvd, Ste 180 Rm. 111, Roseville, CA 95661.
By using the site, you agree to these terms. If you do not agree, close the tab and call if you still want a human. Using a calculator, reading a program page, or clicking Apply does not create a client relationship by itself. A loan relationship, if any, is created through loanDepot's application, disclosures, and approval process.
This site is educational
Copy on this site is general information about how mortgage conversations often work for first-time buyers, veterans, self-employed households, multi-generational purchases, refinances, and related paths. It is written so a person in Roseville or Sacramento can arrive at a consult with better questions. It is not a complete statement of any investor guideline, FHA handbook, VA circular, USDA map, or CalHFA rule as of the hour you loaded the page. Those rules change. Your application is not a blog post.
Program pages describe who a path is often for. They do not guarantee that you fit. Qualification is required. Property approval is required. Occupancy, credit, income documentation, entitlement, and program overlays all matter. If a sentence on this site conflicts with a Loan Estimate, Closing Disclosure, or loanDepot disclosure on a live application, the live disclosure wins.
Not a loan offer, not a rate, not a commitment to lend
Nothing on this website is a commitment to lend, a pre-approval, a pre-qualification you can take to a listing agent as a lender letter, or a lock. This site does not publish rates or APRs as offers. Calculator fields that ask for an "example interest rate" are inputs you type so the math can run. They are not Amy DeBusk Home Loans pricing. They are not an annual percentage rate. They are not "a current market quote from a lender."
If you want a loan estimate, apply on the loanDepot LO page or book a consult and then apply. Until then, treat every number on this site as an illustration you asked a browser to compute.
Not legal, tax, or insurance advice
Amy DeBusk originates mortgages. She is not your attorney, CPA, enrolled agent, or insurance broker. Notes about California property tax, SALT, mortgage interest, homestead concepts in other states, or insurance markets are education so you know which professional to call. Title, vesting, gifts, and multi-gen occupancy can have legal consequences. Get advice from a professional licensed for that question in the state where the property sits.
The homeowner tax notes page and any tax-flavored education URLs on this site are not a tax return. Do not prepare a return from them.
California site, origination follows loanDepot and state law
This website is published from a California office context. The look, the local pages, and much of the education assume a reader who is thinking about a California purchase or a licensed-state loan worked from Roseville. Governing law for disputes about this website, to the extent a court will honor a choice-of-law sentence in a consumer terms page, is the State of California, excluding conflict-of-law rules that would point somewhere else. Venue notes are not a waiver of rights you cannot waive.
The mortgage itself, if you originate one, is not "governed by this webpage." Origination, disclosures, servicing transfer, and state licensing follow loanDepot's agreements and the law of the state where the originator is licensed and where the property and product rules apply. A Texas homestead question is not answered by a Roseville blog paragraph. A Tennessee closing custom is not a California escrow custom. We will not pretend otherwise to make a terms page shorter.
Equal Housing Opportunity. Licensing is limited to the states listed in Amy DeBusk NMLS# 281056. loanDepot.com, LLC NMLS# 174457. Equal Housing Opportunity. Licensed in California, Tennessee, and Texas. Verify licensing at NMLS Consumer Access (nmlsconsumeraccess.org). We do not claim a license in a fourth state on this site.
Third-party destinations
This site sends you off-domain on purpose. Apply opens loanDepot. Book opens Calendly. Education includes mortgagemadeeasy.ai, howtobuymyfirsthome.com, blog.amydebuskhomeloans.com, savebotgame.com, YouTube, Reddit, and social profiles. Those destinations have their own terms, privacy notices, and availability. Amy DeBusk Home Loans is not responsible for a third party's outage, a comment you post on Reddit, or a calendar tool's spam filter.
Outbound links are not endorsements of every word on the destination. They are paths Amy uses in the Mortgage Made Easy ecosystem or public profiles for this brand. If a third-party widget fails, use adebusk@loandepot.com or (916) 705-2557.
Intellectual property
Unless a page says otherwise, the text, arrangement, original graphics, and design system of this site are owned by Amy DeBusk Home Loans or used under license. loanDepot names, logos, and application screens belong to their owners. NMLS Consumer Access is a public resource. You may quote short passages with credit for a personal, non-commercial purpose such as sharing a program explanation with a spouse. You may not copy the site as a template for another lender, scrape it to train a competing product without permission, or strip trademarks onto a flyer that implies loanDepot approved your mashup.
Calculator results you generate are yours to screenshot. They are still illustrations, not loanDepot work product.
Acceptable use
Do not use this site to break the law, to probe it for security holes, to dump malware, to harvest emails, or to impersonate Amy DeBusk. Do not submit other people's personal information in a form or calendar note without a lawful reason. Do not use automated tools in a way that degrades the host for everyone else. We may block traffic that looks like abuse.
Do not treat a published NMLS number as a toy. Those identifiers exist so you can verify who you are talking to.
Limitation of liability, in plain English
You use this free public website at your own risk. We work to keep pages accurate and available. We do not promise the site will be up every hour, that every calculator default matches your house, or that a program page includes every overlay a particular investor might add next month.
To the fullest extent California law allows for this kind of informational site, Amy DeBusk Home Loans, Amy DeBusk, and loanDepot.com, LLC are not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the website, including a decision you made after reading a page or moving a slider. Direct damages, if a court finds any, are limited to the amount you paid us to access this website in the last twelve months, which for a public brochure site is typically zero.
Some states do not allow certain limitations. If you have rights that cannot be limited, those rights stay. This paragraph does not limit liability that the law says we cannot limit, including any liability that would apply to a closed loan under federal or state lending statutes. Those statutes live on the loan, not on this terms page.
If a portion of these terms is held unenforceable, the rest still applies. If we do not enforce a sentence one day, we can still enforce it later. These terms are the agreement for website use. They are not the promissory note.
No professional-client relationship from browsing
Reading About Amy does not hire her. Emailing a question may start a conversation. It still is not a loan until loanDepot says it is. We may decline an application that is outside licensed states, outside product fit, or outside what we can originate honestly.
Changes
We may change these terms by posting an updated page. The date in site tokens reflects the build year. Material changes apply going forward. If you have a live loan, your loan documents are not rewritten by a website terms update.
Questions: adebusk@loandepot.com, (916) 705-2557, 2999 Douglas Blvd, Ste 180 Rm. 111, Roseville, CA 95661. Related: privacy, accessibility, contact.
Amy DeBusk NMLS# 281056. loanDepot.com, LLC NMLS# 174457. Equal Housing Opportunity. Licensed in California, Tennessee, and Texas. Verify licensing at NMLS Consumer Access (nmlsconsumeraccess.org).