Close enough to help. Space to feel at home.
Maybe you want to share dinner more often, make appointments easier, or know you can be there when your parents need you. Bringing your family closer can offer so much. It also brings questions about space, privacy, care, and what everyone can comfortably afford.
Start with what your family needs day to day.
An easier entry, a downstairs bedroom or separate space for a parent can change the housing plan. I can help you explore the financing for buying together or adapting the home you already have.
Amy DeBusk | Branch Manager & Mortgage Advisor
Amy DeBusk Home Loans, powered by loanDepot
You do not need to have every answer before we talk. I want to understand what a good day at home would look like for each of you. From there, we can explore the housing and mortgage options that might support it.
Start with everyday life
Think about the details that would make home more comfortable now and as needs change. A bedroom and bathroom on the main floor, an easier entry, room to move around, or a quiet place to rest may matter more than extra square footage.
Include your parents in that conversation. What would help them feel independent? Would they prefer their own kitchen and entrance, or would a thoughtfully arranged shared home feel right? Your family's accessibility needs belong at the beginning of the search. A qualified professional can help evaluate a property's layout and potential changes.
Buy together or improve the home you have?
A different home may offer a layout that works sooner. Our buying a home with family hub walks through shared purchases, contributions, and options for more than one generation.
If you love your current neighborhood, explore the remodel and renovation hub. An addition, an adapted bathroom, or an ADU may be worth considering. Before counting on a particular project, investigate permits, contractor estimates, site constraints, and where everyone would live during the work.
I can help you compare the financing side of those choices. We will look at the proposed payment, cash needed, money left for care, and room in your spending plan for the unexpected. A project that looks appealing on paper still needs to work for your everyday life.
Give everyone a voice in the financial plan
When several family members contribute, it helps to discuss expectations early. Who will contribute toward the purchase? Who will pay ongoing expenses? What happens if someone's income or care needs change?
If improvements are part of the plan, we can work alongside your project professionals to connect the financing requirements with the work being considered.
We can review the mortgage questions together. Your attorney and tax advisor can help with ownership, contributions, inheritance, and agreements between family members. Making those decisions thoughtfully gives everyone a clearer understanding before you commit.
If you or a family member has military service, let me know. We can review whether a VA home loan is an option for the proposed purchase and who would be borrowing and living in the home.
A little preparation can make the first conversation easier
Bring your priorities, any home you are considering, and a general picture of the homes and mortgages your family already has. You can also use the Family Compound Planner to organize ideas and questions. Keep private financial and medical information out of the tool.
Our family homebuying guides can help you begin the conversation together. If a parent is moving from another area, the bringing family closer page explores that next chapter.
Questions you may be asking
Should we buy a home or add an ADU?
Start with your family's needs, timing, and the property you have. We can compare financing options while you explore project feasibility, costs, and approvals with the appropriate professionals.
Does accessibility automatically determine which loan we need?
No single mortgage path fits every accessibility need. Let us separate the changes your family needs from the property and loan requirements that apply to your particular purchase or renovation.
Can we talk before we know who will be on the loan?
Yes. That is a useful place to start. I can explain the mortgage questions to review, and you can work with your legal and tax advisors on ownership and family agreements.