Already own a home? Your story is still unfolding.
The home that welcomed your first puppy may one day need room for a growing family, become your first rental or help support the retirement you've imagined. As life changes, I'm here to help you understand what your home and mortgage could make possible.
Home is where life happens. And yes, that little welcome committee is inspired by my puppy Charlie.
Homeownership is a journey
When you bought your home, it fit a particular moment in your life. Maybe you were just starting out. Maybe it was the backyard, the neighborhood or the chance to finally put down roots.
Bring the mortgage you have into the conversation. I can help you understand whether changing it supports your next step, or whether keeping it and preparing for later makes more sense.
Amy DeBusk | Branch Manager & Mortgage Advisor
Amy DeBusk Home Loans, powered by loanDepot
Years later, your priorities may look different. You might love your home but wish the kitchen worked better. You may need another bedroom, want to keep the house as a rental or feel ready for a simpler pace. You might simply want to know whether your current mortgage still makes sense.
My role is to help you understand your choices and see how they fit your life. Sometimes that means exploring a new loan. Sometimes it means keeping what you have and planning ahead.
Start with the chapter that sounds like you. You can explore at your own pace, and we can talk whenever you're ready.
A payment that fits today
Your income, priorities or timeline may have changed. Explore refinancing, paying off your loan sooner or reviewing mortgage insurance. We can compare costs and long-term impact before you decide.
Explore refinancing
Love your location, change your space
Imagine a kitchen that welcomes everyone, a more useful layout or space for changing needs. Start with what you want to improve, then explore ways to finance it.
Explore remodeling options
Make a plan for your equity
Considering a project or another important goal? Compare ways to borrow against your equity, including whether keeping your current first mortgage makes sense. Equity borrowing adds debt secured by your home.
Explore your equity
Room for what comes next
Need more space, a different location or less to maintain? Explore buying before you sell and how a later recast might fit, when your loan allows it.
Plan your next purchase
A new role for your first home
Your next move could also be your first step into being a landlord. Compare keeping the home with selling it, and understand the responsibilities alongside the possibilities.
Explore the rental path
More freedom in the years ahead
More time with family, travel or simply enjoying home. Explore how your housing choices and mortgage options may support the retirement you want.
Explore retirement optionsKeep the memories. Consider a new purpose.
You may be ready for a different home without feeling ready to let this one go. Keeping it as a rental could be a way to begin building a property portfolio and a legacy for the future. It also means becoming responsible for a business, not just collecting a rent payment.
Compare potential rent with the mortgage, taxes, insurance, maintenance, repairs, vacancy and property management. Set aside reserves for the months when the home needs attention or isn't occupied. Rental income and appreciation are not guaranteed.
I'll help you understand whether you can qualify while keeping your current home and what documentation is needed if rental income can be considered. Expected rent isn't automatically qualifying income, and requirements vary by loan program.
Review your existing loan's occupancy obligations, insurance coverage, HOA rules and local rental requirements before changing how you use the property. Talk with your tax professional about the tax side of converting your home to a rental.
Selling may free up equity and simplify your next move. Keeping it may fit a longer-term plan if the numbers and responsibilities work for you. We can explore both paths without assuming one is right for everyone.
If you are planning housing after divorce, considering your home after losing a spouse, or looking for a smaller home with less upkeep, you deserve a conversation that starts with your priorities. You can explore those pages privately and reach out when it feels right.
You might settle in, renovate a few years later, move and keep the first home as a rental, then simplify in retirement. Or you may stay in one home for decades. There is no schedule you need to follow.
Get comfortable with your payment, build reserves and make the space your own.
Revisit your space and mortgage as your needs change.
Compare staying, moving, renting out or simplifying.
Before changing your mortgage, let's look at what you have today, what you want to accomplish and how long you expect to keep the home. A lower payment alone doesn't tell the whole story. Closing costs and a longer loan term can affect what you pay over time.
Bring your mortgage statement and your questions. I'll help you compare the possibilities, including leaving your current loan in place.
Learn more about mortgage and refinancing terms.
Mortgage Made Easy
More breathing room in your spending plan? A kitchen full of people you love? A first rental or more time with your grandkids? Tell me what matters to you, and let's find a starting point together.
Book Time With AmyMeet with me by Zoom or phone, or at my office by appointment. For a quicker response, call or text (916) 705-2557. You can also send me a question.
