Serving Those Who Served
Debbie Laney is honored to help active-duty military, veterans, and their families achieve the dream of homeownership — with the VA benefits they've earned.
"It is my honor to serve the men and women who have served our country. Helping a veteran or military family get into a home — with the benefits they've earned — is one of the most rewarding things I do."
— Debbie Laney, NMLS #228108
Our Commitment
A Personal Commitment to the Military Community
For over 30 years, Debbie has called Colorado Springs home — a community deeply shaped by the men and women who serve our country. Her dedication to military families isn't just professional. It's personal. She understands the unique challenges of military life: frequent moves, deployments, and navigating a complex benefits system. That's why she's made VA lending a cornerstone of her practice.
The VA Advantage
Why a VA Loan?
The VA loan is one of the most powerful home financing tools available — and one of the most underutilized. Here's what makes it exceptional.
No Down Payment
Eligible borrowers can purchase a home with zero down — preserving your savings for what matters most.
No Private Mortgage Insurance
Unlike conventional loans, VA loans require no PMI — saving you hundreds of dollars every month.
Competitive Interest Rates
VA loans consistently offer some of the lowest interest rates available on the market.
Flexible Credit Requirements
VA loans are more forgiving of past credit challenges, making homeownership accessible to more veterans.
Lifetime Benefit
Your VA loan benefit can be used again and again — for purchases, refinances, and future homes.
VA IRRRL Streamline Refinance
Already have a VA loan? The Interest Rate Reduction Refinance Loan lets you lower your rate with minimal paperwork.
Eligibility
Who Qualifies?
VA loan benefits are available to a wide range of service members and their families. Debbie will help you confirm your eligibility and obtain your Certificate of Eligibility (COE) — often in just minutes.
Simple Steps
How It Works
Confirm Eligibility
Debbie will help you obtain your Certificate of Eligibility (COE) quickly and easily.
Get Pre-Approved
Know your buying power before you start shopping — with a clear, honest pre-approval.
Find Your Home
Shop with confidence knowing your financing is in expert hands.
Close & Move In
Debbie guides you through every step to a smooth, on-time closing.
Ready to Use Your VA Benefits?
Let Debbie walk you through the process — no pressure, no jargon. Just honest guidance from someone who truly cares.