There is something special about coming home
Maybe it is Sunday dinner with family, having grandparents nearby, or returning to a community where you already feel connected. Your time away helped clarify what matters, and now you are imagining your next chapter in California.
Coming back comes with practical questions, too.
Tell me about your current home, work arrangements and the dates that matter to your family. The mortgage preparation can begin before you are back in California.
Amy DeBusk | Branch Manager & Mortgage Advisor
Amy DeBusk Home Loans, powered by loanDepot
You may also have a home to sell, work arrangements to confirm, and a school calendar to consider. We can start with those practical details while keeping the reason for your move at the center of the plan.
Build a timeline around your family
Would selling first give you more certainty about the funds available? Would buying first let you settle in before listing? Could a short rental give you time to choose a neighborhood? The right sequence depends on your finances, qualification, and comfort with the possibilities.
My buying and selling guide compares selling first, contingent offers, and buying before you sell. If school or employment dates are important, bring them into the conversation early so we can plan around them.
Get familiar with today's ownership costs
We can review a payment estimate that includes property taxes, homeowners insurance, and any association dues, along with moving costs and funds you want to retain. Obtain property-specific insurance and tax information before relying on a final spending plan. Your old California payment can be a memory without needing to be the model for your next purchase.
I'll help you build a current financing picture rather than rely on what your last California purchase looked like. We can coordinate with the agents you already trust, or help you find a local real estate professional as you get reacquainted with the area.
The Sacramento relocation guide connects you with local planning resources. If Roseville is on your list, explore Roseville neighborhoods and lifestyle and save the utilities and community contacts for your move.
Your income and current home both belong in the plan
A job transfer, remote work, a new offer, or retirement income may call for different documentation. I will help identify what needs to be verified for the mortgage you are considering. If your current home has not sold, we will discuss how its payment and expected proceeds affect the purchase.
If a smaller home is part of your next chapter, visit a smaller home with more room for living. If you are welcoming parents or adult children, the family buying hub may be a better starting point.
Find your next step home
My article about moving back to California explores the personal and practical sides of returning. You can also bring your questions directly to me.
Tell me where you are moving from and what brings you back. I will help you identify the mortgage questions to answer next.
Your questions, answered
Can we buy before our out-of-state home sells?
Possibly. We need to review qualification, funds, the existing mortgage, and the costs of owning both homes. A sale contingency or selling first may also fit.
Can we plan around the school year?
Yes. Share the dates that matter to your household. We can compare the financing timeline with moving and temporary housing options before you commit.
What if my job will remain out of state?
The lender will need to understand whether and how your income continues after the move. We can review the employment arrangement and required documentation early.