Mortgage Made Easy · Your VA homebuying plan
You may be buying your first home, moving closer to family, or using your VA benefit again. You deserve a clear picture of what is possible and someone who will help you put the pieces together.
I'm Amy DeBusk, Branch Manager & Mortgage Advisor with loanDepot. My team and I help Veterans and military families connect their benefits, finances, and timing to a home that fits their next chapter.
Before we talk about a loan, I want to understand your move. Are you looking for more room, adjusting to new orders, leaving active service, or hoping to put down roots near family? We will talk about your timeline, your current housing, and a payment that leaves room for everyday life.
We help you obtain or review your Certificate of Eligibility, discuss prior VA loan use, and identify entitlement questions to resolve. You do not need to arrive knowing the terminology. A COE confirms service-related eligibility; your complete application still needs review.
I help you understand which income, credit, and savings documents we need and why. If you are changing jobs, self-employed, or preparing for a military transition, we will discuss those details early so you know what needs attention.
We review the loan payment alongside taxes, insurance, any HOA dues, and upfront costs. I explain the funding fee and whether an exemption may apply, then help you compare appropriate financing paths without assuming VA is the only choice.
Explore VA loan options and benefits → · Start exploring payment scenarios →
Eligible Veterans, active-duty service members, National Guard and Reserve members, and certain surviving spouses may qualify. Service requirements depend on your service history and status. We help you request your Certificate of Eligibility (COE), then explain what it shows. VA determines benefit eligibility; we also review income, credit, and occupancy for the loan.
You do not need to know which form to bring before reaching out. Tell my team about your service and any prior VA loan, and we will guide you through the documentation needed. Review the VA's eligibility guidance →
It may be possible to have two VA loans at the same time. Remaining entitlement can support another purchase, subject to qualification and any required down payment. The new purchase must meet VA occupancy requirements as your home, rather than being solely an investment property.
I review the entitlement tied to your existing loan and what remains for the next purchase. We consider the new property's county, price, and financing needs to determine whether a down payment may be required.
We also review the responsibility of carrying both homes. If you plan to rent the first one, I explain how proposed rental income must be documented and evaluated.
Selling and paying off your existing VA loan may allow you to request restoration of the entitlement used. My team helps you coordinate the mortgage documentation with your sale and purchase timeline.
We will confirm the restoration and financing plan rather than assume that listing the home frees up your benefit.
VA also allows a one-time entitlement restoration when a prior VA loan is paid in full and you retain the property. I help you identify the questions and documentation for VA review before relying on this path.
Paying off or refinancing an existing loan deserves a cost comparison. We will consider whether it supports your overall plan.
Start with your current mortgage statement, your COE if you have it, and the location and price range of your next home. I will help you compare keeping, selling, and alternative financing paths. You do not have to calculate entitlement alone.
Explore turning your current home into a rental → · Read VA's explanation of using your benefit again →
My team helps you prepare for pre-approval, explains requests for documents, and keeps you informed as your loan moves through appraisal, underwriting, and closing. If something needs attention, we talk about what it means and the choices in front of you.
We work alongside your real estate professional on financing questions and the purchase timeline. If you still need an agent, we can help you connect with someone who understands the home and community you are looking for. Bring your team, or let me help you build one.
The appraisal and property requirements matter too. Before you commit to a home that needs work, let's discuss the proposed improvements and whether VA renovation financing or another option deserves a closer look.
We review your existing VA loan, remaining entitlement, and plans to sell or keep your home before deciding how to finance the next one.
Explore keeping your home as a rental →I compare your current loan with the proposed terms, costs, and time you expect to keep the loan. An IRRRL may be a path for an existing VA loan; accessing equity is a separate conversation.
Understand VA refinance options →Whether family will live with you or your move crosses state lines, tell me the full picture. We can connect occupancy, income, and financing questions before you choose a direction.
Read Sandra and Mike's family story →
Understand your options
Explore purchase, refinance, and renovation options, plus my VA videos and guide.
Explore the VA Hub →
Keep learning at your pace
Find articles, guides, videos, and planning tools for the questions that matter to your next move.
Visit the Resource Center →Start with the question on your mind. My Veterans Resource Center brings together articles and guides, and you can watch my VA videos right here on the website. The VA planning tool can help organize questions to bring to me. I will verify the loan details for your circumstances.
For official benefit information, visit VA home loan resources.
Tell me where you are today and what you hope comes next. We can meet by Zoom or phone, or arrange an appointment at my office. If you are ready to apply, my team will help you understand the secure document process. If you are still exploring, a conversation is a good place to begin.
Serving homebuyers and homeowners in Roseville, Rocklin, Lincoln, Citrus Heights, Antelope, Fair Oaks, Carmichael, Sacramento, and across California, Tennessee, and Texas.
