Mortgage Mom Radio

The Fed just flipped the script. Rate Hike on the table?

Debbie Marcoux NMLS ID 237926 — Wed, 08 Jul 2026 21:59:25 +0000

For over a year the whole audience has heard "when will the Fed cut" — and this week two of the most senior voices on the FOMC used blunt, on-the-record language to say the opposite is now realistic. It directly reframes the "should I lock or wait" Debbie Marcoux, NMLS ID 237926 also licensed in AZ-0941504, CA-DBO237926, FL-LO76508, GA-69178, HI, IL-031.0058339, MO, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926

The Biggest Housing Bill in 36 Years, what's in it?

Debbie Marcoux NMLS ID 237926 — Wed, 01 Jul 2026 21:59:27 +0000

There's a big housing bill in the news right now — the biggest one in 36 years — and I've been getting a lot of questions about what it actually means. Let me walk you through what's in it, where it stands, and how it affects you if you're buying, selling, or refinancing this year. Debbie Marcoux, NMLS ID 237926 also licensed in AZ-0941504, CA-DBO237926, FL-LO76508, GA-69178, HI, IL-031.0058339, MO, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926

I’m Back! Market Updates and New Loan Programs Available

Debbie Marcoux NMLS ID 237926 — Thu, 25 Jun 2026 17:03:59 +0000

Today I discussed new programs such as Jumbo with only 10% down, construction and fix and flip loans for investors. Would you like to ask questions while I'm live on air? Subscribe now to receive a link to join each week. Text LIVE to 844-935-3634 Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Business, Consumer Services and Housing Agency, NMLS ID 237926. Also licensed in, AZ-0941504, Fl-LO76508, GA-69178, HI-237926, ID-MLO-2080237926, IL-031.0058339, NV-57237, NC-I-210940, OR, TN-184373, TX, WA-MLO-237926.

Investment Property Cash Flow

Debbie Marcoux NMLS ID 237926 — Wed, 18 Feb 2026 22:58:06 +0000

Want to buy an investment property or sell yours and move it out of CA? Let's talk 1031 exchange and cash flow. Would you like to ask questions while I'm live on air? Subscribe now to receive a link to join each week. Text LIVE to 844-935-3634. Support the stream: https://streamlabs.com/mortgagemomradio1 Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Business, Consumer Services and Housing Agency, NMLS ID 237926. Also licensed in, AZ-0941504, Fl-LO76508, GA-69178, HI-237926, ID-MLO-2080237926, IL-031.0058339, NV-57237, NC-I-210940, OR, TN-184373, TX, WA-MLO-237926.

February 11, 2026 Jobs Report! Will Future Rate Cuts Stall?

Debbie Marcoux NMLS ID 237926 — Wed, 11 Feb 2026 21:02:53 +0000

Today was an amazing jobs report that nobody expected. Future rate cuts are questionable. Today's show is all about education and why a job's report may hinder mortgage rates from falling further in the near future. Would you like to ask questions while I'm live on air? Subscribe now to receive a link to join each week. Text LIVE to 844-935-3634. Support the stream: https://streamlabs.com/mortgagemomradio1 Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Business, Consumer Services and Housing Agency, NMLS ID 237926. Also licensed in, AZ-0941504, Fl-LO76508, GA-69178, HI-237926, ID-MLO-2080237926, IL-031.0058339, NV-57237, NC-I-210940, OR, TN-184373, TX, WA-MLO-237926.

Hearing that interest rates have dropped? What rate would you get today?

Debbie Marcoux NMLS ID 237926 — Wed, 04 Feb 2026 23:07:49 +0000

Hearing that interest rates have fallen? Would you like to know what your interest rate would be today? Send me an email with your scenario! All interest rates quoted are subject to change until locked in and conditional upon underwritten loan approval. Get a text message when I go live with a link to join. Text "LIVE" to 844-935-3634. Support the stream: https://streamlabs.com/mortgagemomradio1 Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Business, Consumer Services and Housing Agency, NMLS ID 237926. Also licensed in, AZ-0941504, Fl-LO76508, GA-69178, HI-237926, ID-MLO-2080237926, IL-031.0058339, NV-57237, NC-I-210940, OR, TN-184373, TX, WA-MLO-237926.

50YR Terms and Portable Mortgages – What are they talking about?

Debbie Marcoux NMLS ID 237926 — Fri, 21 Nov 2025 16:43:23 +0000

Why is everyone talking about 50YR terms? What are the benefits and downsides? What are portable mortgages and how might that help you if it is something that they implement as an option in the future? Watch LIVE and ask your questions. Get a text message when I go live with a link to join. Text "LIVE" to 844-935-3634. Support the stream: https://streamlabs.com/mortgagemomradio1 Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Business, Consumer Services and Housing Agency, NMLS ID 237926. Also licensed in, AZ-0941504, Fl-LO76508, GA-69178, HI-237926, ID-MLO-2080237926, IL-031.0058339, NV-57237, NC-I-210940, OR, TN-184373, TX, WA-MLO-237926.

Loan Programs You Didn’t Know Existed!

Debbie Marcoux NMLS ID 237926 — Wed, 24 Sep 2025 21:25:15 +0000

No Ratio - Can't prove income? Bank Statements - Self Employed but can't show tax returns? Debt Service Ratio - Looking to buy that rental property, Airbnb, or VRBO/ Construction Loan - Run out of funds, looking for a fix and flip or to build a spec home? Watch LIVE and ask your questions. Get a text message when I go live with a link to join. Text "LIVE" to 844-935-3634. Support the stream: https://streamlabs.com/mortgagemomradio1 Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Business, Consumer Services and Housing Agency, NMLS ID 237926. Also licensed in, AZ-0941504, Fl-LO76508, GA-69178, HI-237926, ID-MLO-2080237926, IL-031.0058339, NV-57237, NC-I-210940, OR, TN-184373, TX, WA-MLO-237926.

Fed Cut Rates 0.25% – How are the markets reacting to the decision?

Debbie Marcoux NMLS ID 237926 — Wed, 17 Sep 2025 21:33:57 +0000

How many more rate cuts will we get this year? How are the markets reacting to the decision? Watch LIVE and ask your questions. Get a text message when I go live with a link to join. Text "LIVE" to 844-935-3634. Support the stream: https://streamlabs.com/mortgagemomradio1 Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Business, Consumer Services and Housing Agency, NMLS ID 237926. Also licensed in, AZ-0941504, Fl-LO76508, GA-69178, HI-237926, ID-MLO-2080237926, IL-031.0058339, NV-57237, NC-I-210940, OR, TN-184373, TX, WA-MLO-237926.

PPI (Producer Price Index) came in well below expectations showing negative inflation.

Debbie Marcoux NMLS ID 237926 — Wed, 10 Sep 2025 21:01:17 +0000

PPI (Producer Price Index) came in well below expectations showing negative inflation. Bond market & Stock futures jumped higher, 10 year note fell further. Mortgage Demand is up! This is your one week warning before the Fed Rate Cut decisions are made. Get an application submitted and possibly (we watch day by day right now) lock-in before the market changes next Wednesday when the Fed talks. We are at the lowest interest rates that we have had since October of 2024. Watch LIVE and ask your questions. Get a text message when I go live with a link to join. Text "LIVE" to 844-935-3634. Support the stream: https://streamlabs.com/mortgagemomradio1 Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Business, Consumer Services and Housing Agency, NMLS ID 237926. Also licensed in, AZ-0941504, Fl-LO76508, GA-69178, HI-237926, ID-MLO-2080237926, IL-031.0058339, NV-57237, NC-I-210940, OR, TN-184373, TX, WA-MLO-237926.

Do you need to refinance? Let’s talk about how it works!

Debbie Marcoux NMLS ID 237926 — Wed, 03 Sep 2025 21:52:57 +0000

Experts Say there is a 90% chance of a Fed Rate cut at next week's Fed Meeting. Do you need to refinance? Let's talk about how it works! Watch LIVE and ask your questions. Get a text message when I go live with a link to join. Text "LIVE" to 844-935-3634. Support the stream: https://streamlabs.com/mortgagemomradio1 Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Business, Consumer Services and Housing Agency, NMLS ID 237926. Also licensed in, AZ-0941504, Fl-LO76508, GA-69178, HI-237926, ID-MLO-2080237926, IL-031.0058339, NV-57237, NC-I-210940, OR, TN-184373, TX, WA-MLO-237926.

We finally broke an 11-Month Interest Rate Barrier!

Debbie Marcoux NMLS ID 237926 — Wed, 27 Aug 2025 21:03:24 +0000

Will we see even lower interest rates? Should you wait for a Fed Rate Cut to lock in an interest rate? Watch LIVE and ask your questions. Get a text message when I go live with a link to join. Text "LIVE" to 844-935-3634. Support the stream: https://streamlabs.com/mortgagemomradio1 Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Business, Consumer Services and Housing Agency, NMLS ID 237926. Also licensed in, AZ-0941504, Fl-LO76508, GA-69178, HI-237926, ID-MLO-2080237926, IL-031.0058339, NV-57237, NC-I-210940, OR, TN-184373, TX, WA-MLO-237926.

Will the Fed Cut Rates in September?

Debbie Marcoux NMLS ID 237926 — Mon, 25 Aug 2025 19:40:51 +0000

We'll know more after Friday's Jackson Hole Symposium. Join me live next Wednesday at 1PM on YouTube to stay up to date with Real Estate, Mortgage, and Interest Rate Market! Don't miss a live show. Ask your questions and get your answers. Text "LIVE" to 844-935-3634! 844-935-3634, call us! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Business, Consumer Services and Housing Agency. Also licensed in, AZ-0941504, CA-237926, Fl-LO76508, GA-69178, HI-237926, ID-MLO-2080237926, IL-031.0058339, NV-57237, NC-I-210940, OR, TN-184373, TX, WA-MLO-237926. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Interest rates are falling, will they continue to move lower?

Debbie Marcoux NMLS ID 237926 — Thu, 14 Aug 2025 17:00:11 +0000

Why are interest rates falling right now? Will they continue? What will it take for the Fed to lower interest rates? 844-935-3634, call us! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Business, Consumer Services and Housing Agency. Also licensed in, AZ-0941504, CA-237926, Fl-LO76508, GA-69178, HI-237926, ID-MLO-2080237926, IL-031.0058339, NV-57237, NC-I-210940, OR, TN-184373, TX, WA-MLO-237926. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Conventional vs FHA – What’s the difference between the two loan programs.

Debbie Marcoux NMLS ID 237926 — Wed, 11 Jun 2025 23:14:20 +0000

Why would a loan officer suggest an FHA or a Conventional loan to you. Learn more in today’s episode. 844-935-3634, call us! Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Reverse Mortgage Myth’s and Facts!

Debbie Marcoux NMLS ID 237926 — Wed, 04 Jun 2025 23:55:36 +0000

Reverse mortgages are misunderstood and can be a great asset in retiring comfortably. 844-935-3634, call us! Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Honoring Memorial Day and the History of the Holiday!

Debbie Marcoux NMLS ID 237926 — Wed, 21 May 2025 21:25:19 +0000

Did you know that you are supposed to fly your flag at half mass until noon and then raise it until sundown? How did Memorial Day come to be, what are we celebrating, and how is it different than Veteran’s Day. Short history lesson from the Mortgage Mom! 844-935-3634, call us! Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

The Fed Meeting 5/7/2025 – Holding Rates Higher For Longer!

Debbie Marcoux NMLS ID 237926 — Wed, 07 May 2025 20:47:51 +0000

The Fed is holding strong with their Higher For Longer stance. When will we finally get that first rate cut in 2025? 844-935-3634, call us! Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Will next weeks Fed meeting bring us a quick dip in the rates?

Debbie Marcoux NMLS ID 237926 — Wed, 30 Apr 2025 21:37:25 +0000

Reading the economic reports this week, GDP was lower than anticipated. It was honestly quite bad, but consumer spending is up, month over month, from February to March 2025. The Core PCE inflation numbers came in higher than expected, and it is anticipated that the Fed will hold rates steady at next Wednesday’s meeting. But, will we get a quick knee jerk reaction that will give many homeowners and homebuyers an opportunity to lock in an interest rate? 60% of analysts are expecting our first rate cut from the Fed in 2025 to be at their June meeting. Traders and investors will be hanging on to every word that is Fed Chairman Jerome Powell says trying to gauge their next move. I am predicting a good amount of volatility following the meeting. If the market swings in our favor, it could be the best rates that we have seen in 2025. 844-935-3634, call us! Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Property Taxes, Supplemental Bills, and Escrow Accounts

Debbie Marcoux NMLS ID 237926 — Thu, 24 Apr 2025 18:30:00 +0000

I focused on an issue that has been a major story in the media recently. Homeowners monthly payments are skyrocketing because of their property tax bills. Please understand how it works and what you can do as a homeowner or a new buyer to safeguard yourself from a messy situation later! 844-935-3634, call us! Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Stock Market and Mortgage Rates Are Volatile!

Debbie Marcoux NMLS ID 237926 — Fri, 18 Apr 2025 22:01:33 +0000

Did you miss out on the quick dip in mortgage rates last Friday? Let’s get you ready to take advantage of the next dip. 844-935-3634, call us! Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Are Home Prices Going to Crash?

Debbie Marcoux NMLS ID 237926 — Wed, 16 Apr 2025 22:00:19 +0000

Why are you seeing media about a housing crash? Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

The Best Strategy To Lock In Your Interest Rate

Debbie Marcoux NMLS ID 237926 — Fri, 14 Mar 2025 21:52:45 +0000

Interest rates have fallen for 7 consecutive days, but today, we’re headed right back up again. If you are in need of a new mortgage loan, refinance or purchase, it is important to understand when the best time to lock in your interest rate is. Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

How Much Does A Refinance Cost?

Debbie Marcoux NMLS ID 237926 — Thu, 13 Mar 2025 21:31:34 +0000

Today we talk about refinance closing costs. How do they work, what should you expect? Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Mortgage Applications Increase Week Over Week!

Debbie Marcoux NMLS ID 237926 — Wed, 12 Mar 2025 21:03:53 +0000

Both purchase and refinance applications have increased week over week. Why? With interest rates improving, mortgage loans are becoming more affordable opening up opportunity for homebuyers and refinances for current homeowners. Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Fed Pauses Rate Cuts!

Debbie Marcoux NMLS ID 237926 — Thu, 30 Jan 2025 17:10:46 +0000

Is it the Trump Administration's fault that rate cuts were paused yesterday? Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Mortgage applications increase by 33.3%, why?

Debbie Marcoux NMLS ID 237926 — Wed, 15 Jan 2025 23:04:30 +0000

Wondering if you should be looking into a purchase or a refinance? Why are so many applying for mortgage applications all of the sudden? Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

CA Wildfire Help and Information!

Debbie Marcoux NMLS ID 237926 — Fri, 10 Jan 2025 00:25:43 +0000

Important data for those who have lost their home or have been displaced. We will also talk about CA Insurance Policies and what to do at your next renewal. Many carriers will drop current policies. Be prepared! Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

The Fed Dropped Rates / Dow Down 1100PTS

Debbie Marcoux NMLS ID 237926 — Wed, 18 Dec 2024 23:45:46 +0000

Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Planning to purchase a home in 2025?

Debbie Marcoux NMLS ID 237926 — Thu, 12 Dec 2024 14:00:19 +0000

Will we see a recession in 2025?

Debbie Marcoux NMLS ID 237926 — Wed, 11 Dec 2024 22:00:27 +0000

The History of Interest Rates and Administrations!

Debbie Marcoux NMLS ID 237926 — Wed, 23 Oct 2024 21:08:50 +0000

Interest Rate History Lesson! From Obama through Biden. Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Mortgage Fraud! Talk to your loan officer about your plans!

Debbie Marcoux NMLS ID 237926 — Thu, 17 Oct 2024 22:59:21 +0000

Many times clients have no idea that they could be committing mortgage fraud. There can be major consequences when this takes place. Make sure that you are talking openly and honestly with your mortgage loan officer to determine the best loan program for you! Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Autism and Service Dogs!

Debbie Marcoux NMLS ID 237926 — Thu, 03 Oct 2024 18:40:43 +0000

War between Iran and Israel has quickly increased the cost per barrel for oil. This will in turn increase inflation. We have a strike at the ports which will also be a driver of inflation. Interest rates are headed the wrong direction as the news of the ADP report comes in better than expected. I decided to take a break from the bad news and instead we had fund meeting our new little boy, Obi Wan Kanewfi, who will be trained to help our Autistic son Zeke. Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Should you wait for lower rates?

Debbie Marcoux NMLS ID 237926 — Wed, 25 Sep 2024 23:22:12 +0000

Is it best to refinance now or wait for even lower rates? How about that home purchase, is it better to wait until after the election or purchase now. Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

The Fed Finally Cuts Rates! What Are Your New Possibilities?

Debbie Marcoux NMLS ID 237926 — Wed, 18 Sep 2024 23:26:38 +0000

After three long years of higher for longer, we finally get our first rate cut by the Fed. What's to come and how does this open up new possibilities for you? Got debt and need to get it handled? Need to lower your mortgage payment? Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

FHA and VA Streamlines Are Back!

Debbie Marcoux NMLS ID 237926 — Thu, 12 Sep 2024 18:21:32 +0000

Anybody that has an FHA or VA Loan and their interest rate is above 6% is now in a position that a streamline refinance to help them to reduce their rate and monthly payments. In this episode we explain how the program works and the average interest rates that we have been locking in. Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Interest Rates Are Falling!

Debbie Marcoux NMLS ID 237926 — Wed, 11 Sep 2024 21:41:58 +0000

Today we discuss mortgage interest rates, where they are at currently, why they have come down, and who is benefiting from the reduced interest rates that we have been so fortunate to see! We also discuss next week’s Fed meeting and how that will impact the current rate sheets that we have. Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Federal Reserve Hold’s Prime Rate Steady but Rate Sheets Improve!

Debbie Marcoux NMLS ID 237926 — Thu, 01 Aug 2024 15:00:42 +0000

Why do rate sheets improve when the Fed Holds rates steady? Have you taken a VA or an FHA loan in the last two years? A streamline refinance may be ready for you. Inquiry with us directly to determine your eligibility. Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. AZ-0941504, CA-DBO237926, Fl-LO76508, GA-69178, ID-MLO 2080237926 IL-031.0058339, MO, NC I-210940, NV-57237, OR, TN-184373, TX, WA-MLO-237926 Licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Easy Home Equity Line of Credit – Close in 5 Business Days!

Debbie Marcoux NMLS ID 237926 — Wed, 31 Jul 2024 23:01:25 +0000

We just rolled out one of the easiest home equity lines of credit. It’s an incredible loan option and can help you to consolidate debt, complete home improvements, or purchase another property. Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. AZ-0941504, CA-DBO237926, Fl-LO76508, GA-69178, ID-MLO 2080237926 IL-031.0058339, MO, NC I-210940, NV-57237, OR, TN-184373, TX, WA-MLO-237926 Licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Do you know what your blended rate is? Debt Consolidation!

Debbie Marcoux NMLS ID 237926 — Wed, 12 Jun 2024 22:27:39 +0000

Do you know what you are paying monthly in interest with all of your debts combined? It might be time to do a debt consolidation loan either with a home equity line or home equity loan or possibly even a refinance. Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. AZ-0941504, CA-DBO237926, Fl-LO76508, GA-69178, ID-MLO 2080237926 IL-031.0058339, MO, NC I-210940, NV-57237, OR, TN-184373, TX, WA-MLO-237926 Licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

RedefineLO.com – Realtors!!! You need this!

Debbie Marcoux NMLS ID 237926 — Wed, 05 Jun 2024 21:56:57 +0000

Are you a real estate agent looking to make additional commission on your buyers? I can show you how to earn thousands in extra income every month. With minimal effort you will keep your buyer, their loan, and the additional commission within your control. A quick 5 minute phone call will put you on your way to earning thousands of dollars in commissions every month. Complete your team and become your buyer’s one stop shop! Redefine lending with fully underwrite and approve your buyer on your behalf. Close more deals faster and cleaner. Stop giving away your clients and keep the lenders commission in your pocket. Schedule your meeting for more details today at redefinelo.com Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. AZ-0941504, CA-DBO237926, Fl-LO76508, GA-69178, ID-MLO 2080237926 IL-031.0058339, MO, NC I-210940, NV-57237, OR, TN-184373, TX, WA-MLO-237926 Licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Retail Sales Disappoint. Mortgage Rates Are Improving!

Debbie Marcoux NMLS ID 237926 — Thu, 16 May 2024 19:05:20 +0000

Today we discussed the retail sales report and how that has sparked a big drop in mortgage interest rates. The economy is starting to cool and all of the necessary factors for the Fed to consider the first rate cut can’t be ignored. Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. AZ-0941504, CA-DBO237926, Fl-LO76508, GA-69178, ID-MLO 2080237926 IL-031.0058339, MO, NC I-210940, NV-57237, OR, TN-184373, TX, WA-MLO-237926 Licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Mortgage Rates Are Improving! Why?

Debbie Marcoux NMLS ID 237926 — Thu, 09 May 2024 17:16:57 +0000

Why are mortgage rates suddenly improving? Financial Data is starting to show signs of weakness. The unemployment report issued on Friday, May 3, 2024, was worse than expected. Although it is tough on the economy, it is a blessing for mortgage rates. Continued improvement from here is very possible. What additional reports are showing signs of weakness? We dive in right here on Mortgage Mom Radio! Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. AZ-0941504, CA-DBO237926, Fl-LO76508, GA-69178, ID-MLO 2080237926 IL-031.0058339, MO, NC I-210940, NV-57237, OR, TN-184373, TX, WA-MLO-237926 Licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Rent vs. Own – Should you buy in today’s market?

Debbie Marcoux NMLS ID 237926 — Thu, 25 Apr 2024 19:31:16 +0000

Today we went through two scenarios comparing what rents would be vs. what your mortgage payment would be if you were to buy a home. It’s my goal to give you the numbers so that you can decide if you should be looking at purchasing a home today. Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. AZ-0941504, CA-DBO237926, Fl-LO76508, GA-69178, ID-MLO 2080237926 IL-031.0058339, MO, NC I-210940, NV-57237, OR, TN-184373, TX, WA-MLO-237926 Licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Debbie Marcoux AZ-0941504, CA-DBO237926, Fl-LO76508, GA-69178, IL-031.0058339, NC I-210940, NV-57237, OR, TN-184373, TX, WA-MLO-237926 is Licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

April 10, 2024 Inflation Report – STOP SPENDING NOW!

Debbie Marcoux NMLS ID 237926 — Thu, 11 Apr 2024 18:43:08 +0000

Today's CPI - Consumer Price Index Report was released and it was higher than expected. For the 2nd month in a row, inflation has increased rather than decreased. What does this mean to you and what can you do to help reduce inflation? Debbie Marcoux AZ-0941504, CA-DBO237926, Fl-LO76508, GA-69178, IL-031.0058339, NC I-210940, NV-57237, OR, TN-184373, TX, WA-MLO-237926 is Licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

What does a realtor really do? How much do they make?

Debbie Marcoux NMLS ID 237926 — Thu, 04 Apr 2024 22:52:53 +0000

Recently there has been some very bad press around real estate agents, how much they earn, and how hard they work. Today we are crushing that thought process and bringing you the reality of a real estate agent’s job and life!

NAR Settlement – What was it about, how will things change?

Debbie Marcoux NMLS ID 237926 — Fri, 29 Mar 2024 19:02:35 +0000

Been reading those headlines about the National Association of Realtors and the lawsuit settlement? We’re diving in today with all kinds of great information and incite!

What was it about? How will it change how you buy and sell real estate?

NAR Settlement and How it Might Affect Buyers and Sellers!

Debbie Marcoux NMLS ID 237926 — Wed, 27 Mar 2024 19:58:55 +0000

Wondering about the recent NAR settlement and how it might affect you? You're not alone I've been flooded with questions about this topic, especially from first-time buyers worried about the changes. While it's making headlines, remember, it's just that—news There's no need to panic! Some adjustments are on the horizon for how we navigate real estate transactions Tune in next week as we explore this subject more, offering valuable insights and practical tips for buyers and sellers alike. At Mortgage Mom Radio, we believe in arming you with the knowledge and tools you need to make informed decisions about the housing market Stay tuned and stay empowered! AZ-0941504, CA-DBO237926, Fl-LO76508, GA-69178, IL-031.0058339, NC I-210940, NV-57237, OR, TN-184373, TX, WA-MLO-237926 Licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. . . . #MomLifebelike #WorkingMoms #MomBosslife #MortgageMom #azlender #arizonarealestate #azrealestate #phoenixrealestate #BalancingAct #Mompreneurlife #MomLifeBalance #WorkingMomLife #ProfessionalMom #MomGoals #momlife #MomLifeJuggle #mortgagepodcast #findingbalance #loanoptions #pdxrealtor #mortgagelife #mortgagespecialist #mortgageadvisor #californialoanofficer #californiamortgage #nevadarealestate #Washingtonrealestate #californiahomes #texasrealestate #mortgagemomradio Support the stream: https://streamlabs.com/mortgagemomradio1

Fed Meeting March 20, 2024 & NAR Settlement

Debbie Marcoux NMLS ID 237926 — Thu, 21 Mar 2024 18:32:41 +0000

The Fed meeting is over for March 2024. What did they say? Is there a light at the end of the tunnel for lower rates in our future?

Been reading those headlines about the National Association of Realtors and the lawsuit settlement and changes coming to real estate commissions? We’re diving in today with all kinds of great information and incite!

Fed Meeting March 2024

Debbie Marcoux NMLS ID 237926 — Thu, 21 Mar 2024 08:52:33 +0000

Get interactive and ask your questions right here on Mortgage Mom Radio! We are LIVE on YouTube every Wednesday. Watch us record our show and ask us your questions. Text “MOM” to 844-935-3634. We will send you a link each week to interact live. How do you schedule a phone appointment with mom? Go to our website, MortgageMomRadio.com and click “Appointments” Get your free consultation today! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID MLO- 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Frequently Asked Questions

Debbie Marcoux NMLS ID 237926 — Thu, 14 Mar 2024 08:42:37 +0000

Support the stream: https://streamlabs.com/mortgagemomradio1

Real Estate Myth’s – Let’s Talk Truth!

Debbie Marcoux NMLS ID 237926 — Thu, 07 Mar 2024 18:42:02 +0000

Your neighbors, your parents, and many other’s believe myth’s to be fact. Today we talk about those common misconceptions correct the information with facts!

Mortgage Mom Radio Homebuyer Workshop 2024!

Debbie Marcoux NMLS ID 237926 — Thu, 07 Mar 2024 15:43:16 +0000

Learn everything that you need to know from start to finish about the homebuying process! We take you from key terms and words that are used within a real estate transaction through closing your loan. Call us now to get your FREE consultation 844-935-3634! Debbie Marcoux NMLS ID 237926, licensed in AZ-0941504, CA-237926, Fl-LO76508, GA-69178, IL-031.0058339, NC I-210940, NV-57237, OR, TN-184373, TX, WA-MLO-237926 Licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act. Support the stream: https://streamlabs.com/mortgagemomradio1

Debunking Real Estate Myth's

Debbie Marcoux NMLS ID 237926 — Thu, 07 Mar 2024 10:02:40 +0000

Common misconceptions can get you twisted! We talk about what's fact! Debbie Marcoux is licensed by the Department of Financial Protectiona nd Innovations under the California Residential Mortgage Lending Act NMLS ID 237926, also licensed in AZ-0941504, Fl-LO76508, GA-69178, IL-031.0058339, MO, NC I-210940, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Should you wait to buy/refi until the interest rates come down or do it now?

Debbie Marcoux NMLS ID 237926 — Thu, 29 Feb 2024 09:56:31 +0000

Should you wait to buy/refi until interest rates come down?

Debbie Marcoux NMLS ID 237926 — Wed, 28 Feb 2024 22:28:02 +0000

Does it make sense to wait for interest rates to come down to help with affordability? Not necessarily. Tune into today’s show to learn more about purchasing a home in 2024 while we are in a higher rate environment. Should you consider refinancing to get the cash out that you need? It could also make sense to do something today. Get the education that you need from today’s show if you are considering a new mortgage.

On March 6, 2024 @ 5PM we will be streaming our Homebuyer Workshop LIVE! You will have the opportunity to ask your questions and get your answers right in the chat feed!

Do you want to buy a home but need help getting started? We have been delivering successful homebuyer workshops since 2015. Our goal with this workshop is to educate you about the process of purchasing a home. The more prepared and educated you are, the less stressful the experience will be. This should be an exciting time, not an emotional and upsetting transaction.

We will be covering the following:

Real Estate and Mortgage Buzz Words – the most utilized words and their definitions within a real estate transaction
Loan Programs and their guidelines – FHA/USDA/VA/CONVENTIONAL
Closing Costs
Credit Repair
Escrow
Getting Pre-Approved
Locking in your interest rate
Signing your disclosures
Ordering your appraisal
Conditional Loan Approval
Final Loan Approval
Signing Loan Documents
Funding and Closing

Text “RSVP” to 844-935-3634 – We will text you a link to join before we get started!

Debbie Marcoux AZ-0941504, CA-DBO237926, Fl-LO76508, GA-69178, ID-MLO 2080237926 IL-031.0058339, MO, NC I-210940, NV-57237, OR, TN-184373, TX, WA-MLO-237926 is Licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Homebuyer Workshop March 6th 2024!

Debbie Marcoux NMLS ID 237926 — Thu, 22 Feb 2024 09:38:49 +0000

Get interactive and ask your questions right here on Mortgage Mom Radio! RSVP https://slktxt.io/ZvyS We are LIVE on YouTube every Wednesday. Watch us record our show and ask us your questions. Text “MOM” to 844-935-3634. We will send you a link each week to interact live. How do you schedule a phone appointment with mom? Go to our website, MortgageMomRadio.com and click “Appointments” Get your free consultation today! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Homebuyer Workshop March 6th 2024!

Debbie Marcoux NMLS ID 237926 — Thu, 22 Feb 2024 09:38:49 +0000

Do you want to purchase a home in 2024?

Debbie Marcoux NMLS ID 237926 — Wed, 21 Feb 2024 21:56:12 +0000

On March 6, 2024 @ 5PM we will be streaming our Homebuyer Workshop LIVE! You will have the opportunity to ask your questions and get your answers right in the chat feed!

We will be covering the following:

Real Estate and Mortgage Buzz Words – the most utilized words and their definitions within a real estate transaction
Loan Programs and their guidelines – FHA/USDA/VA/CONVENTIONAL
Closing Costs
Credit Repair
Escrow
Getting Pre-Approved
Locking in your interest rate
Signing your disclosures
Ordering your appraisal
Conditional Loan Approval
Final Loan Approval
Signing Loan Documents
Funding and Closing

Text “RSVP” to 844-935-3634 – We will text you a link to join before we get started!

Locking In Your Interest Rate

Debbie Marcoux NMLS ID 237926 — Fri, 16 Feb 2024 22:59:10 +0000

Everything that you need to know about locking in your interest rate. When should you lock it, when can you lock it, once you are locked what are your options if interest rates improve.

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Text “MOM” to 844-935-3634 to receive a link once a week to join the show.

Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NC, NV-57237, MO, OR, TN-184373, TX, WA-MLO-237926

Locking In Your Interest Rate!

Debbie Marcoux NMLS ID 237926 — Thu, 15 Feb 2024 09:51:09 +0000

California Down Payment Assistance with CALHFA

Debbie Marcoux NMLS ID 237926 — Wed, 14 Feb 2024 22:57:47 +0000

CALHFA down payment assistance is available to many first-time buyers who didn’t know that they could qualify! Learn more in today’s episode.

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Down Payment Assistance - CALHFA

Debbie Marcoux NMLS ID 237926 — Thu, 08 Feb 2024 11:38:54 +0000

Federal Reserve Left Rates Unchanged. When will we see rate cuts?

Debbie Marcoux NMLS ID 237926 — Wed, 07 Feb 2024 18:54:47 +0000

The Federal Reserve left rates unchanged once again. What did he say during his conference and when do we anticipate to see future rate cuts?

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

New Year – New Credit! Achieve Your Goals!

Debbie Marcoux NMLS ID 237926 — Fri, 26 Jan 2024 17:00:04 +0000

In this episode we discuss the most important details behind your credit report and how to achieve the highest credit score possible.

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

New Year New Credit! Achieve Your Goals!

Debbie Marcoux NMLS ID 237926 — Thu, 25 Jan 2024 10:10:42 +0000

CA Homeowners Insurance in Crisis!

Debbie Marcoux NMLS ID 237926 — Wed, 24 Jan 2024 23:44:10 +0000

In this episode we discuss what brought about the issues with current homeowners insurance and what your options are if your policy has been dropped or you are having a difficult time securing a new policy for your new home purchase.

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

CA Homeowners Insurance in Crisis!

Debbie Marcoux NMLS ID 237926 — Thu, 18 Jan 2024 10:10:06 +0000

Mortgage Rates below 5%, is that possible in today’s market? YES!

Debbie Marcoux NMLS ID 237926 — Wed, 17 Jan 2024 19:38:58 +0000

Mortgage Rates below 5%, is that possible in today’s market? YES!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

What’s To Come In 2024

Debbie Marcoux NMLS ID 237926 — Wed, 17 Jan 2024 19:37:51 +0000

What’s To Come In 2024. Review of 2023 and forecast for 2024!

I also gave great tips for buyers and sellers in today’s current housing market!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Mortgage Rates below 5%, is that possible in today's market? YES!

Debbie Marcoux NMLS ID 237926 — Thu, 11 Jan 2024 09:58:08 +0000

What's To Come In 2024!

Debbie Marcoux NMLS ID 237926 — Thu, 04 Jan 2024 09:56:07 +0000

Fed announced today they are holding rates again. 6th consecutive week of improved rates. Refi ap…

Debbie Marcoux NMLS ID 237926 — Thu, 14 Dec 2023 18:27:15 +0000

Fed Hold’s Rates – 6th Consecutive Week of Interest Rate Declines – Refi Applications Up

Debbie Marcoux NMLS ID 237926 — Wed, 13 Dec 2023 23:59:39 +0000

Fed announced today they are holding rates again. 6th consecutive week of improved rates. Refi app’s up 19%.

I also gave great tips for buyers and sellers in today’s current housing market!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Interest Rates Are Falling! 5th Straight Consecutive Week!

Debbie Marcoux NMLS ID 237926 — Sat, 09 Dec 2023 16:00:59 +0000

Where are interest rates today, get your thumb on the market!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Interest Rates Are Falling!

Debbie Marcoux NMLS ID 237926 — Thu, 07 Dec 2023 10:20:11 +0000

Housing Predictions for 2024!

Debbie Marcoux NMLS ID 237926 — Wed, 06 Dec 2023 22:10:20 +0000

Housing Predictions for 2024!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Housing Market Predictions for 2024

Debbie Marcoux NMLS ID 237926 — Thu, 30 Nov 2023 10:10:36 +0000

Happy Thanksgiving! Tips and tricks for a Juicy Turkey!

Debbie Marcoux NMLS ID 237926 — Sat, 18 Nov 2023 22:01:41 +0000

Today we took a break from Mortgage and had fun with Turkey!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Happy Thanksgiving!! Let's talk cooking TURKEY and the best methods.

Debbie Marcoux NMLS ID 237926 — Thu, 16 Nov 2023 09:58:48 +0000

Interest Rates Took A Quick Dip, Why?

Debbie Marcoux NMLS ID 237926 — Wed, 15 Nov 2023 22:24:30 +0000

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Interest Rates Dropped, Why?

Debbie Marcoux NMLS ID 237926 — Thu, 09 Nov 2023 08:51:39 +0000

Interest Rates Dropped, Why?

Debbie Marcoux NMLS ID 237926 — Thu, 09 Nov 2023 08:51:39 +0000

Is your lender promising a free refi when interest rates drop?

Debbie Marcoux NMLS ID 237926 — Thu, 02 Nov 2023 08:49:41 +0000

Buy Now Refinance Later, 2 Deals For One Price, Is it Real?

Debbie Marcoux NMLS ID 237926 — Wed, 01 Nov 2023 22:03:30 +0000

Buy Now Refinance Later? 2 deals for the price of one, is it real? We also talked about today’s Fed Announcement to not increase interest rates!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Big Change! 5% down on 2-4 Unit Property

Debbie Marcoux NMLS ID 237926 — Thu, 26 Oct 2023 08:36:05 +0000

Updated guidelines for 2-4 unit properties!

Debbie Marcoux NMLS ID 237926 — Wed, 25 Oct 2023 22:21:49 +0000

We hit quite a few guideline updates today from 2-4 units with Fannie Mae to FHA ADU rental income, and disabled children and elderly parent financing opportunities. For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Text "MOM" to 844-935-3634 to receive a link once a week to join the show. Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NC, NV-57237, MO, OR, TN-184373, TX, WA-MLO-237926

Leaked Treasury Intel Warns What Happens Next

Debbie Marcoux NMLS ID 237926 — Wed, 25 Oct 2023 01:30:10 +0000

Join Me LIVE as we discuss how to "Seize the Upside of the Fed's U-Turn" in 2024 while Sidestepping Market Volatility" - Join Me LIVE https://go.1markmoss.com/uturn Yellen Leaks Intel: Warning of the Fed's Next Move. Currently, the market consensus suggests that the Fed has finished hiking rates for now, and the narratives have shifted towards a 'hold here for longer' stance. However, Janet Yellen, at the US Treasury, slipped up and revealed what they're truly expecting to do next. It's such a significant development that it's no wonder they're attempting to keep it under wraps. In this video, I'll dissect the narrative surrounding the 'higher for longer' shift in the Fed's statements. We'll examine precisely what Janet Yellen said, break down the mathematics behind her statements, and I'll explain what this implies, what's on the horizon, and what we should anticipate. So, let's get started. Timecodes 0:00 Janet Yellen's Leaked Intel 1:02 The Sell of a LifeTime 1:44 Consequences of Fast Rate Hikes 3:03 When Will the Fed Pivot 5:01 Where Rates are Truly Going 12:40 Government Has 2 Choices to Make Link to Article: https://realinvestmentadvice.com/janet-yellen-suggests-much-lower-for-much-longer/ *WE ARE HIRING* - forget a recession in 2024, we are growing, come join the team! https://www.1markmoss.com/jobs Order "UnCommunist Manifesto" Here: go.1markmoss.com/uncommunist INCREASE YOUR SOVEREIGNTY NOW: JOIN MY FREE NEWSLETTER HERE - https://go.1markmoss.com/sovereign (BEWARE OF SCAMMERS) They are impersonating me in the comments. My comments have a "checkmark" so look for that. Please beware, I will never message you asking you to give me money or to talk to me on WhatsApp. This is my only YouTube channel, and my social media platforms can be found below. ___________________________________________________________________________________________ ★☆★ CONNECT WITH MARK ON SOCIAL MEDIA ★☆★ Facebook https://www.facebook.com/1MarkMoss/ Twitter https://twitter.com/1MarkMoss Instagram https://www.instagram.com/markmoss/ LinkedIn https://www.linkedin.com/in/markmoss/ ____________________________________________________________________________________________ Disclaimer: I am NOT a financial advisor, and nothing I say is meant to be a recommendation to buy or sell any financial instrument. I will NEVER ask you to send me money to trade or invest for you. Please report any suspicious emails or fake social media profiles claiming to be me. Don't invest money you can't afford to lose. There are no guarantees or certainties in trading or investing. My videos may contain affiliate links or sponsorship to products I believe will add value to your life and help you. In some cases, I may receive payment or other consideration from the companies mentioned in the videos. No matter what I or anyone else says, it’s important to do your own research before making a financial decision. SEE FULL DISCLAIMER HERE: https://go.1markmoss.com/disclaimer

What is a Zombie Mortgage? Should you be concerned as a homeowner?

Debbie Marcoux NMLS ID 237926 — Thu, 19 Oct 2023 16:08:30 +0000

It's almost Halloween and as luck has it, Zombie Mortgages are showing up to haunt you! Learn what they are and if you have any need for concern! For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Text "MOM" to 844-935-3634 to receive a link once a week to join the show. Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NC, NV-57237, MO, OR, TN-184373, TX, WA-MLO-237926

What is a Zombie Mortgage? Should you be concerned as a homeowner?

Debbie Marcoux NMLS ID 237926 — Thu, 19 Oct 2023 08:46:40 +0000

Dave Ramsey Says Now Is The Time To Buy!

Debbie Marcoux NMLS ID 237926 — Thu, 12 Oct 2023 08:36:17 +0000

Dave Ramsey Says Now Is The Time To Buy!

Debbie Marcoux NMLS ID 237926 — Thu, 12 Oct 2023 08:36:17 +0000

Dave Ramsey Say’s Now Is The Time To Buy!

Debbie Marcoux NMLS ID 237926 — Wed, 11 Oct 2023 22:12:13 +0000

In today's episode we dive into an article published by TheStreet.com and Dave Ramsey's recent statement about purchasing a home now rather than later. We also talk about the minutes released today from the Federal Reserve and the possibility that rate hikes are finished. Have you been thinking about buying a home but you've been waiting? This is a great episode to download and tune in! For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Text "MOM" to 844-935-3634 to receive a link once a week to join the show. Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NC, NV-57237, MO, OR, TN-184373, TX, WA-MLO-237926

Equity Rich, Cash Poor, Debt High? New Home Equity Loan Options Available.

Debbie Marcoux NMLS ID 237926 — Thu, 05 Oct 2023 08:42:32 +0000

We have a new Home Equity Loan Option for Primary Residences, Second Homes, and Investment Properties. It gives you a fixed interest rate for as long as 40 years to stretch those monthly payments out. You will qualify based on the Primary Wage Earners Credit Score, Co-Borrower can have a credit score as low as 550 but Primary Wage Earner must have at least a 660. We will qualify based on traditional income as well as bank statements for those self-employed borrowers. You cannot have any late mortgage payments in the last 12 months. You must have owned the home for at least 6 months. We can close in as little as 10 days. Does this sound like something that might work for you? Give us a call, 844-935-3634. We'd be happy to talk with you to determine if you would be a great candidate for this program. All loans are subject to credit approval. This is not an offer to lend or the full scope of qualifications required. Get interactive and ask your questions right here on Mortgage Mom Radio! We are LIVE on YouTube every Wednesday. Watch us record our show and ask us your questions. Text “MOM” to 844-935-3634. We will send you a link each week to interact live. How do you schedule a phone appointment with mom? Go to our website, MortgageMomRadio.com and click “Appointments” Get your free consultation today! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID MLO- 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Equity Rich, Cash Poor, Debt High, New Home Equity Loan Option Available!

Debbie Marcoux NMLS ID 237926 — Wed, 04 Oct 2023 22:23:56 +0000

We have a new Home Equity Loan Option for Primary Residences, Second Homes, and Investment Properties It gives you a fixed interest rate for as long as 40 years to stretch those monthly payments out. You will qualify based on the Primary Wage Earners Credit Score, Co-Borrower can have a credit score as low as 550 but Primary Wage Earner must have at least a 660. We will qualify based on traditional income as well as bank statements for those self-employed borrowers. You cannot have any late mortgage payments in the last 12 months. You must have owned the home for at least 6 months. We can close in as little as 10 days. Does this sound like something that might work for you? Give us a call, 844-935-3634. We'd be happy to talk with you to determine if you would be a great candidate for this program. All loans are subject to credit approval. This is not an offer to lend or the full scope of qualifications required. For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Text "MOM" to 844-935-3634 to receive a link once a week to join the show. Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NC, NV-57237, MO, OR, TN-184373, TX, WA-MLO-237926

The Fed left rates unchanged today 9/20/2023.

Debbie Marcoux NMLS ID 237926 — Thu, 21 Sep 2023 09:43:45 +0000

The Fed left rates unchanged at today's FOMC meeting. They also gave us a projection for 2024/2025. When will we receive interest rates start to come down? Get interactive and ask your questions right here on Mortgage Mom Radio! We are LIVE on YouTube every Wednesday. Watch us record our show and ask us your questions. Text “MOM” to 844-935-3634. We will send you a link each week to interact live. How do you schedule a phone appointment with mom? Go to our website, MortgageMomRadio.com and click “Appointments” Get your free consultation today! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID MLO- 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

The Fed left rates unchanged 9/20/2023 but gave projections for 2024/2025

Debbie Marcoux NMLS ID 237926 — Wed, 20 Sep 2023 21:50:52 +0000

The Federal Reserve lefts rates unchanged today, 9/20/2023, at the FOMC meeting. They also provided projections for additional rate increase this year but rate reductions in 2024 and 2025. When will we see interest rates start to fall? Tune in to todays episode of Mortgage Mom Radio!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Inflation Rises For 2nd Straight Month

Debbie Marcoux NMLS ID 237926 — Thu, 14 Sep 2023 09:28:06 +0000

We are LIVE on YouTube every Wednesday. Watch us record our show and ask us your questions. Text “MOM” to 844-935-3634. We will send you a link each week to interact live. How do you schedule a phone appointment with mom? Go to our website, MortgageMomRadio.com and click “Appointments” Get your free consultation today! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID MLO- 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

August 2023 Inflation Report shows second straight month in increases.

Debbie Marcoux NMLS ID 237926 — Wed, 13 Sep 2023 21:23:05 +0000

Today we talked about the August Inflation Report and the next Fed Meeting anticipation for September 19-20th.

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Improve Your Credit Score

Debbie Marcoux NMLS ID 237926 — Thu, 07 Sep 2023 09:08:23 +0000

How to improve your credit score!

Debbie Marcoux NMLS ID 237926 — Wed, 06 Sep 2023 23:00:36 +0000

Today we had George Hartmann with Credit Repair in 30 on the show. He provided tips and tricks to increase your credit score.

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Equity is a game changer for homeowners, should you sell now?

Debbie Marcoux NMLS ID 237926 — Thu, 24 Aug 2023 16:00:24 +0000

If you’re a homeowner, you might be torn on whether or not to sell your house right now. Maybe that’s because you don’t want to take on a higher mortgage rate on your next home. If that’s your biggest hurdle, understanding your equity may be exactly what you need to help you feel more comfortable making your move.

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Alternative Loan Options

Debbie Marcoux NMLS ID 237926 — Thu, 24 Aug 2023 09:25:59 +0000

Alternative Loan Options!

Debbie Marcoux NMLS ID 237926 — Wed, 23 Aug 2023 21:40:28 +0000

Struggling with your credit score OR verifying your income for a new home loan, we have many programs available and one might be what you need!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Equity Is a Game Changer for Homeowners

Debbie Marcoux NMLS ID 237926 — Thu, 17 Aug 2023 09:15:41 +0000

1031 Exchange into a DST! Hands off Passive Income!

Debbie Marcoux NMLS ID 237926 — Wed, 16 Aug 2023 18:40:51 +0000

What is a DST? Created under Delaware Law, a DST is a specialized legal entity in which a sponsor firm, acting as trustee, acquires the property, holds the title, and guarantees the mortgage loan.

Ready to sell your investment property but not ready to buy another? Concerned about taxes if you don’t 1031 exchange? DST’s are a great option! What’s a DST and how does it work?

Today’s guests, Jamie Furlong with Legacy Investments & Real Estate and Danielle Whitney-Moore with Keller Williams Realty

There are material risks associated with investing in DST properties and real estate securities including illiquidity, general market conditions, interest rate risks, financing risks, potentially adverse tax consequences, general economic risks, development risks, and potential loss of the entire investment principal. Potential cash flows/returns/appreciation are not guaranteed and could be lower than anticipated. Diversification does not guarantee a profit or protect against a loss in a declining market. It is a method used to help manage investment risk. This is for informational purposes only. Because investor situations and objectives vary. This information is not intended to indicate that an investment is appropriate for or is being recommendation to any individual investor and does not represent tax or legal advice. Jamie offers securities through Concorde Investment Services, LLC (CIS), member FINRA/SIPC. Legacy Investments & Real Estate, LLC is independent of CIS, both of whom are independent of Debbie Marcoux and Danielle Whitney.”

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

1031 Exchange into a DST! Hands off Passive Income!

Debbie Marcoux NMLS ID 237926 — Thu, 10 Aug 2023 08:50:38 +0000

Ready to sell your investment property but not ready to buy another? Concerned about taxes if you don't 1031 exchange? DST's are a great option! What's a DST and how does it work? Today's guests, Jamie Furlong with Legacy Investments & Real Estate and Danielle Whitney-Moore with Keller Williams Realty There are material risks associated with investing in DST properties and real estate securities including illiquidity, general market conditions, interest rate risks, financing risks, potentially adverse tax consequences, general economic risks, development risks, and potential loss of the entire investment principal. Potential cash flows/returns/appreciation are not guaranteed and could be lower than anticipated. Diversification does not guarantee a profit or protect against a loss in a declining market. It is a method used to help manage investment risk. This is for informational purposes only. Because investor situations and objectives vary. This information is not intended to indicate that an investment is appropriate for or is being recommendation to any individual investor and does not represent tax or legal advice. Jamie offers securities through Concorde Investment Services, LLC (CIS), member FINRA/SIPC. Legacy Investments & Real Estate, LLC is independent of CIS, both of whom are independent of Debbie Marcoux and Danielle Whitney.” We are LIVE on YouTube every Wednesday. Watch us record our show and ask us your questions. Text “MOM” to 844-935-3634. We will send you a link each week to interact live. How do you schedule a phone appointment with mom? Go to our website, MortgageMomRadio.com and click “Appointments” Get your free consultation today! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID MLO- 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Fed Raised Rates

Debbie Marcoux NMLS ID 237926 — Fri, 04 Aug 2023 08:32:10 +0000

Federal reserve didn't hike

Debbie Marcoux NMLS ID 237926 — Thu, 22 Jun 2023 12:05:52 +0000

Federal reserve didn't hike

Debbie Marcoux NMLS ID 237926 — Thu, 22 Jun 2023 12:05:52 +0000

Federal reserve didn’t hike

Debbie Marcoux NMLS ID 237926 — Wed, 21 Jun 2023 23:51:33 +0000

The Federal Reserve did not hike rates. Lets talk about it.

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Swimming In Debt But Afraid To Refinance?

Debbie Marcoux NMLS ID 237926 — Thu, 08 Jun 2023 10:04:51 +0000

Swimming In Debt But Afraid To Refinance?

Debbie Marcoux NMLS ID 237926 — Wed, 07 Jun 2023 22:21:10 +0000

Are you drowning in debt and are wanting to refinance but don’t know how or where to start? Join us today to learn how we can help you!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Mortgage Rate Roller Coaster

Debbie Marcoux NMLS ID 237926 — Thu, 01 Jun 2023 09:35:27 +0000

Mortgage Rate Roller Coaster

Debbie Marcoux NMLS ID 237926 — Wed, 31 May 2023 22:21:30 +0000

Join the Mortgage Mom as she discusses h9w the debt ceiling resolution and future fed rate hikes are sending mortgage rates on a roller coaster ride.

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Alternative Loan Options

Debbie Marcoux NMLS ID 237926 — Thu, 18 May 2023 09:23:17 +0000

Alternative Loan Options

Debbie Marcoux NMLS ID 237926 — Wed, 17 May 2023 22:14:24 +0000

Join Mortgage Mom Radio as they dive into the world of alternative loan options! In this episode, they explore creative financing solutions beyond traditional mortgages, helping listeners uncover unique opportunities to secure their dream homes.

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Are you in the market for a home rental? Has the search been difficult? What are you other options?

Debbie Marcoux NMLS ID 237926 — Thu, 11 May 2023 09:22:01 +0000

Are you in the market for a home rental? Has the search been difficult? What are you other options?

Debbie Marcoux NMLS ID 237926 — Wed, 10 May 2023 23:31:44 +0000

Are you in the market for a home rental but finding the search process to be overwhelming and challenging? Look no further! In our captivating podcast, “Navigating the Rental Market,” we delve into the world of home rentals, offering valuable insights and alternative options.

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Debbie Marcoux - Mortgage Mom Radio Fed Rate Hike, Higher Credit Score = Higher Rate? Renters…

Debbie Marcoux NMLS ID 237926 — Thu, 04 May 2023 08:59:39 +0000

Debbie Marcoux – Mortgage Mom Radio Fed Rate Hike, Higher Credit Score = Higher Rate? Renters…

Debbie Marcoux NMLS ID 237926 — Wed, 03 May 2023 22:19:30 +0000

In this episode of Mortgage Mom Radio, our host Debbie Marcoux discusses the Fed rate hike and its impact on mortgage rates. She also sheds light on a common misconception that having a higher credit score automatically means you’ll get a higher interest rate on your mortgage. Additionally, Debbie addresses concerns that renters may have about making the switch to homeownership and offers valuable insights into the benefits of owning a home. Tune in to gain inside information from “Mortgage Mom” herself and make informed decisions for your financial future.

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

California Real Estate Update

Debbie Marcoux NMLS ID 237926 — Fri, 21 Apr 2023 08:28:27 +0000

California Real Estate Update

Debbie Marcoux NMLS ID 237926 — Fri, 21 Apr 2023 00:11:14 +0000

Welcome to today’s episode where we will be discussing the latest updates on the California real estate market. With the recent economic changes and the ongoing pandemic, the real estate market has been subject to many fluctuations. In this episode, we will explore the current state of the market and what it means for buyers, sellers, and investors alike.

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Interest Rates Are Shifting

Debbie Marcoux NMLS ID 237926 — Thu, 06 Apr 2023 09:22:16 +0000

Interest Rates Are Shifting

Debbie Marcoux NMLS ID 237926 — Wed, 05 Apr 2023 22:17:36 +0000

In this episode, we delve into the topic of interest rates and their impact on the housing market. As the economic climate shifts, so do interest rates, and we explore what this means for home buyers and sellers. With the start of a new year, it's no surprise that we're seeing an influx of people looking to purchase homes. But with interest rates in a state of flux, the decision to buy can be a difficult one. We break down the pros and cons of buying in a rising interest rate environment and offer tips on how to navigate the market. For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Text "MOM" to 844-935-3634 to receive a link once a week to join the show. Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NC, NV-57237, MO, OR, TN-184373, TX, WA-MLO-237926

Dream For All - CALHFA

Debbie Marcoux NMLS ID 237926 — Fri, 31 Mar 2023 09:06:03 +0000

3/22/23 Fed Hikes Rate 25 BPS

Debbie Marcoux NMLS ID 237926 — Thu, 23 Mar 2023 09:09:44 +0000

3/22/23 Fed Hikes Rate 25 BPS

Debbie Marcoux NMLS ID 237926 — Wed, 22 Mar 2023 22:34:22 +0000

Join us for an insightful discussion on the recent hike in interest rates by the Federal Reserve and its profound impact on the housing market and economy as a whole. Our experts will delve into the nitty-gritty of this development, including how it affects both homebuyers and mortgage lenders. From examining current trends to forecasting future outcomes, our comprehensive analysis promises to provide you with valuable insights that can help inform your financial decisions. Don’t miss out on this informative episode!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Banking Collapse - How does this affect the mortgage and real estate industry's

Debbie Marcoux NMLS ID 237926 — Thu, 16 Mar 2023 09:21:56 +0000

Banking Collapse – How does this affect the mortgage and real estate industry’s

Debbie Marcoux NMLS ID 237926 — Wed, 15 Mar 2023 21:56:38 +0000

In this discussion, we will explore the aftermath of recent bank collapses and their potential impact on the mortgage and real estate sectors. We will delve into the ripple effects that these events may have on the overall economy in upcoming years. From a macro perspective, we will examine how these developments may influence various industries and markets across the country. Additionally, we will consider any potential opportunities or challenges that could arise as a result of these changes in the economic landscape. Ultimately, our goal is to provide insights into what lies ahead for businesses and individuals navigating this shifting financial terrain.

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Have Home Prices Bottomed?

Debbie Marcoux NMLS ID 237926 — Thu, 09 Mar 2023 23:43:51 +0000

Today, we discuss the current housing market and whether home prices have hit the bottom. We explore the potential for future growth and consider the implications of current market conditions. We also look at the potential impact of government policies and other factors that could affect investment decisions. Finally, we offer our insights and advice on the best strategies to consider when buying or selling a home.

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

How To Select The Right Real Estate Agent

Debbie Marcoux NMLS ID 237926 — Thu, 09 Mar 2023 10:10:09 +0000

How To Select The Right Real Estate Agent

Debbie Marcoux NMLS ID 237926 — Wed, 08 Mar 2023 23:43:33 +0000

Today on our podcast, we discuss the crucial factors to consider when selecting a real estate agent. We’ll cover what questions to ask, the different types of agents available, and the qualities to look for in an experienced professional. Tune in to get all the information you need to make your real estate journey a success!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

FHA – Big Changes = More Affordable Mortgages

Debbie Marcoux NMLS ID 237926 — Thu, 23 Feb 2023 19:09:23 +0000

Feb 22, 2023 FHA announced a reduction to the monthly mortgage insurance on their mortgage loans. This is very exciting!

Tune in to this episode to learn more about those changes and how it will help you!

Do you currently have an FHA loan? Streamline refinances are simple and you have the opportunity to reduce your monthly payment with the new mortgage insurance premium depending on the interest rate of your current loan. Call us to find out if this would benefit you! 844-935-3634.

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

FHA - Big Changes More Affordable

Debbie Marcoux NMLS ID 237926 — Thu, 23 Feb 2023 10:06:30 +0000

Homebuyer Workshop 2023

Debbie Marcoux NMLS ID 237926 — Wed, 22 Feb 2023 19:29:22 +0000

You ready to buy a home but have no idea where to start? Text “workshop” to 844-935-3634 to receive a link to join when we get started.

Save the Date: March 11, 2023 @ 12:00PM PST

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Homebuyer Workshop 2023

Debbie Marcoux NMLS ID 237926 — Thu, 16 Feb 2023 10:28:16 +0000

Go Ladies! Women Outpace Men

Debbie Marcoux NMLS ID 237926 — Tue, 14 Feb 2023 00:59:29 +0000

Single Women outpace men in homeownership!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

2/1/23 Fed Meeting - Increased Rates

Debbie Marcoux NMLS ID 237926 — Thu, 02 Feb 2023 10:13:54 +0000

www.mortgagemomradio.com We are LIVE on YouTube every Wednesday. Watch us record our show and ask us your questions. Text “MOM” to 844-935-3634. We will send you a link each week to interact live. How do you schedule a phone appointment with mom? Go to our website, MortgageMomRadio.com and click “Appointments” Get your free consultation today! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID MLO- 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

2/1/23 Fed Meeting – Increased Rates

Debbie Marcoux NMLS ID 237926 — Thu, 02 Feb 2023 00:44:58 +0000

2/1/2023

The Fed increased rates by .25%. What does this mean for you and how will it change interest rates?

Today we talked about getting off the fence and getting your pre-approval started. Why? Tune in to find out more!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Mortgage Mom Radio Live

Debbie Marcoux NMLS ID 237926 — Thu, 26 Jan 2023 10:39:08 +0000

Mortgage Applications Are Up 28%! Rates have dipped!

Debbie Marcoux NMLS ID 237926 — Thu, 26 Jan 2023 00:07:03 +0000

Today we talked about getting off the fence and getting your pre-approval started. Why? Tune in to find out more!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Mortgage Mom Radio Makes Home-Buying Affordable

Debbie Marcoux NMLS ID 237926 — Thu, 19 Jan 2023 10:11:19 +0000

Mortgage Mom Radio Makes Home-Buying Affordable

Debbie Marcoux NMLS ID 237926 — Thu, 19 Jan 2023 00:02:47 +0000

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Welcome to 2023! What’s In Store For Us This Year?

Debbie Marcoux NMLS ID 237926 — Thu, 12 Jan 2023 00:01:50 +0000

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

BREAKING! Fed Increased Rates By .50%

Debbie Marcoux NMLS ID 237926 — Thu, 15 Dec 2022 09:48:37 +0000

BREAKING! Fed Increased Rates By .50%

Debbie Marcoux NMLS ID 237926 — Wed, 14 Dec 2022 22:21:39 +0000

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

2023 Real Estate and Mortgage Market Predictions

Debbie Marcoux NMLS ID 237926 — Fri, 09 Dec 2022 17:28:10 +0000

12/7/2022

This episode is focused on what I, the Mortgage Mom, believes we will see in 2023 as far as property values and interest rates. Please remember that I am not a financial advisor and do not base all of your financial decisions on my thoughts. Having been in the mortgage and real estate business since 1994, rolling through many different cycles, these are my own thoughts of how we will see the market play out in 2023. Please don’t hesitate to reach out should you ever want to speak with me directly, 844-935-3634.

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

2023 Market Predictions

Debbie Marcoux NMLS ID 237926 — Thu, 08 Dec 2022 10:33:59 +0000

New Loan limits Announced For 2023! How Does This Help You?

Debbie Marcoux NMLS ID 237926 — Fri, 02 Dec 2022 18:52:37 +0000

Fannie Mae and Freddie Mac Announced their increased loan limits on Tuesday this week!

FHA just made their announcement yesterday, Thursday December 1. Next week’s show will focus on the upcoming new loan limits for FHA.

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

New Loan limits Announced For 2023! How Does This Help You?

Debbie Marcoux NMLS ID 237926 — Thu, 01 Dec 2022 09:03:44 +0000

Interest Rates Dropped / Reverse Mortgage

Debbie Marcoux NMLS ID 237926 — Thu, 17 Nov 2022 20:38:05 +0000

Interest rates took a dip last Thursday and they are currently holding. They won't stay around for long as we anticipate the federal reserve to start talking again about increasing interest rates which we believe will start to increase the interest rates further once again. If you haven't locked in an interest rate for a new purchase or a refinance, now is your opportunity. Get in while the rates are at a lower level then where they have been over the last few months! Are you interested in a reverse mortgage? We also discussed a reverse mortgage, who it is good for, and the bullet points that are important to know about the program. For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Text "MOM" to 844-935-3634 to receive a link once a week to join the show. Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NC, NV-57237, MO, OR, TN-184373, TX, WA-MLO-237926

Interest Rates Dropped / Reverse Mortgage

Debbie Marcoux NMLS ID 237926 — Thu, 17 Nov 2022 11:12:27 +0000

Are You A Homeowner In Debt and Not Sure What To Do?

Debbie Marcoux NMLS ID 237926 — Thu, 10 Nov 2022 10:26:59 +0000

Market Guidance

Debbie Marcoux NMLS ID 237926 — Fri, 04 Nov 2022 18:43:07 +0000

11/4/2022

Radio stations KKNW and KIXI in Seattle interviewed the Mortgage Mom. Listen in as she gives you her take on the current market conditions for real estate and mortgage.

The Fed increased the rate for the 4th consecutive time today. Should you buy, should you sell, should you continue to rent?

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

11/2/2022 - Fed hikes rate again, .75%

Debbie Marcoux NMLS ID 237926 — Thu, 03 Nov 2022 09:07:17 +0000

11/2/2022 The Fed increased the rate for the 4th consecutive time today. Should you buy, should you sell, should you continue to rent? We are LIVE on YouTube every Wednesday. Watch us record our show and ask us your questions. Text “MOM” to 844-935-3634. We will send you a link each week to interact live. How do you schedule a phone appointment with mom? Go to our website, MortgageMomRadio.com and click “Appointments” Get your free consultation today! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID MLO- 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

11/2/2022 – Fed hikes rate again, .75%

Debbie Marcoux NMLS ID 237926 — Wed, 02 Nov 2022 23:19:36 +0000

11/2/2022

The Fed increased the rate for the 4th consecutive time today. Should you buy, should you sell, should you continue to rent?

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Farewell To Radio

Debbie Marcoux NMLS ID 237926 — Thu, 27 Oct 2022 09:16:23 +0000

Farewell To Radio

Debbie Marcoux NMLS ID 237926 — Wed, 26 Oct 2022 22:48:46 +0000

10/26/2022

This was our last show that will be sent to the radio stations. We are now only broadcasting to Podcast, YouTube, Instagram, Facebook, Twitch, Parler, and Twitter. If you are listening to the show via radio, make sure that you opt in to get your text message once a week. Text “MOM” to 844-935-3634

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Interview: Debbie Marcoux, The Mortgage Mom!

Debbie Marcoux NMLS ID 237926 — Fri, 21 Oct 2022 20:14:04 +0000

Get to know Debbie better. She’s been talking to you for years and here’s your chance to learn more about her, her career, and her family!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Featured Listing! 1136 Belbury Dr, Diamond Bar, CA 91789

Debbie Marcoux NMLS ID 237926 — Thu, 20 Oct 2022 17:00:54 +0000

About This Home

Curb appeal, the right features and lots of beauty, this Walnut property has it all. Nestled on a peaceful cul-de-sac street, you will find this beautifully landscaped property featuring a classic floorplan with 3 bedrooms, 2 bathrooms and 1,330-SqFt of living space. The interior offers carpet, wood and tile flooring, well-lit rooms, ceiling fan/light fixtures, built-in storage space and lots of storage space. Enjoy relaxing or entertaining in a spacious living room, complete with a stone fireplace and a lovely view of your yard. Nestled under a tray ceiling you have a bright kitchen equipped with built-in appliances and granite countertops. Bedrooms are bright and spacious. The larger of rooms is the Primary bedroom that comes with a private ensuite bathroom. Whether its unwinding after a long day or having guests over during the weekend, your backyard is the place to be. It is a private and large open space with lush green snapping, colorful flowers, and a nice sized patio where you can add a BBQ grill and outdoor seating. The yard includes an abundance of fruit trees such as orange, plum, nectarine, limes and lemons just to name a few! The property has a wide driveway, an attached 2-car garage, plus energy saving solar panels. Award winning school district. Property is located near the Royal Vista Golf Club, popular dining restaurants, schools, parks and more.

Do you have your property on the market and you would like us to help you feature your home? Are you a real estate agent and would like our help with one of your listings? Reach out to us!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

What Is Another Option For Buyers And Sellers That Nobody Is Talking About?

Debbie Marcoux NMLS ID 237926 — Wed, 19 Oct 2022 17:05:20 +0000

What Is Another Option For Buyers And Sellers That Nobody Is Talking About?

Do you know what an A.I.T.D. is?

How about assuming the sellers current financing? Is that possible?

What is a lease option to buy?

How about a rent to own?

Times are difficult right now and we need to look at all of the options that might be available to help sellers sell and buyers buy!

Do you have your property on the market and you would like us to help you feature your home? Are you a real estate agent and would like our help with one of your listings? Reach out to us!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

What Is Another Option For Buyers And Sellers That Nobody Is Talking About?

Debbie Marcoux NMLS ID 237926 — Tue, 18 Oct 2022 09:25:12 +0000

What is an A.I.T.D.? We are LIVE on YouTube every Wednesday. Watch us record our show and ask us your questions. Text “MOM” to 844-935-3634. We will send you a link each week to interact live. How do you schedule a phone appointment with mom? Go to our website, MortgageMomRadio.com and click “Appointments” Get your free consultation today! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID MLO- 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

What Is Another Option For Buyers And Sellers That Nobody Is Talking About?

Debbie Marcoux NMLS ID 237926 — Tue, 18 Oct 2022 09:25:12 +0000

Featured Listing! 3040 Andretti Lane, Henderson, NV 89052

Debbie Marcoux NMLS ID 237926 — Sat, 15 Oct 2022 15:00:15 +0000

3040 Andretti Lane, Henderson, NV 89052

What beautiful mountain views! This well maintained home has been remodeled. All appliances are 2 years old including refrigerator and washer and dryer! NuCore waterproof flooring throughout living room, dining room kitchen areas. The carpet upstairs is also 2 years young. Let’s not forget energy efficient features. 2 brand new 16 seer a/c units and the solar panels are made by Tesla & paid in full for energy savings ($550 A MONTH SAVINGS) added value!! This Home sits on a elevated lot with mountain views in the masterplan community of Seven Hills! Golf course view & city lights views from upstairs windows!

Do you have your property on the market and you would like us to help you feature your home? Are you a real estate agent and would like our help with one of your listings? Reach out to us!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Featured Listing! 12809 Curtis and King Road, Norwalk, CA

Debbie Marcoux NMLS ID 237926 — Fri, 14 Oct 2022 18:23:23 +0000

APPLY NOW

PHONE CONSULTATION

Looking for a home where you can simply move in, unpack, and relax? Discover this desirable 3-bedroom, 2-bath residence set on a corner lot that allows RV access. Tall palms and tasteful landscaping lend to its excellent curb appeal, plus a sprinkler system maintains the lush front/back lawns. Entering the foyer, you’ll notice the soothing earth tones contrasted beautifully by crisp white crown molding and baseboards. Hardwood-style flooring gleams under the warm glow of recessed lighting, as elegant shutters usher in natural light and offer privacy. Step into the galley kitchen where cooks of all skill levels will be inspired by a functional layout featuring ample granite countertop space, plenty of storage in rich wood cabinets, and modern stainless steel appliances. Your primary retreat is an ensuite and includes a walk-in closet. Outside, fencing and mature foliage surround you to give the backyard complete privacy. A recently added patio provides a shaded spot for enjoying fresh air and evening breezes with plenty of space for al fresco meals. Other must-have features include a separate laundry room and an attached 2-car garage with built-in storage. This incredible home is in an unbeatable location close to shopping, dining, and schools, with easy access to the 105 and 605 freeways. Ready to experience the idyllic lifestyle you deserve? Why just read about it when you can come see it all for yourself!

Do you have your property on the market and you would like us to help you feature your home? Are you a real estate agent and would like our help with one of your listings? Reach out to us!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Nothing But The Truth! Answers to the hard questions! Should you buy now or wait?

Debbie Marcoux NMLS ID 237926 — Thu, 13 Oct 2022 09:00:43 +0000

Today we took questions from our listeners and answered them. We covered: Is it better to buy a home now or wait Can I buy a condo now and rent it later to buy again Can I buy a home out of state where I want to retire How long should I expect to be in my home if I buy today Can I refinance the rate in the future if they drop Can I get rental income from renting a room to help me qualify and the list goes on... We are LIVE on YouTube every Wednesday. Watch us record our show and ask us your questions. Text “MOM” to 844-935-3634. We will send you a link each week to interact live. How do you schedule a phone appointment with mom? Go to our website, MortgageMomRadio.com and click “Appointments” Get your free consultation today! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID MLO- 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Nothing But The Truth! Answers to the hard questions! Should you buy now or wait?

Debbie Marcoux NMLS ID 237926 — Wed, 12 Oct 2022 22:56:07 +0000

10/12/2022

Today we took questions from our listeners and answered them.

We covered:

Is it better to buy a home now or wait
Can I buy a condo now and rent it later to buy again
Can I buy a home out of state where I want to retire
How long should I expect to be in my home if I buy today
Can I refinance the rate in the future if they drop
Can I get rental income from renting a room to help me qualify
and the list goes on…

Do you have your property on the market and you would like us to help you feature your home? Are you a real estate agent and would like our help with one of your listings? Reach out to us!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Featured Listing! 31535 Indian Oak Road, Acton, CA 93510

Debbie Marcoux NMLS ID 237926 — Tue, 11 Oct 2022 15:00:16 +0000

APPLY NOW

PHONE CONSULTATION

Views, Views, & more Views. .. Charming one story Ranch estate Home on over 6 acres nestled in the tranquil hills of Acton. This one story home boasts an open floor plan with 4 bedrooms and 2 full baths, just tastefully remodeled. Featuring brand new central heating and air conditioning system, new interior and exterior painting, all new laminate wood floors throughout, large Living room and adjoining dining room with plenty of natural light and views from every angle! The family room is open and bright with a beautiful stone fire place to heat up the room on a cold night! Kitchen has all new cabinets, quartz counter tops, & new appliances. Both bathrooms remodeled with custom tile work and new light fixtures. Outside you will find a concrete patio with lost of room to roam and surrounding beautiful views of the valley. Attached 2 car garage enters directly into the kitchen. The property is off Crown Valley and a short drive from HWY 14 and local conveniences!

Do you have your property on the market and you would like us to help you feature your home? Are you a real estate agent and would like our help with one of your listings? Reach out to us!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

No Ratio Loan – Primary Residence and Second home

Debbie Marcoux NMLS ID 237926 — Mon, 10 Oct 2022 15:00:23 +0000

APPLY NOW

PHONE CONSULTATION

Do you have a large down payment, reserves in the bank, a great credit score, but you can’t verify your income? Looking to purchase a primary residence or a second home? This loan can help you!

Who is this loan good for?

Relocating but you haven’t secured your new employment yet
Self-employed borrowers who haven’t been in business for two years
Seasonal Employees
Gig Workers
And the list goes on…

We are LIVE on YOUTUBE every Wednesday. Interact with us LIVE while we record! Ask us your questions right in the comments. Text “MOM” to 844-935-3634 to receive a link once a week to join the show.

VA Home Loans – Did you know?

Debbie Marcoux NMLS ID 237926 — Sun, 09 Oct 2022 15:00:03 +0000

APPLY NOW

PHONE CONSULTATION

If you have VA Benefits, you have the opportunity to own a home with no money out of pocket. Rents are skyrocketing and out of control. Buy a home and lock in your monthly payment. In this quick video, I go over the benefits that you have with your VA financing.

Do you own a home now and you are looking to get cash out of your property? The VA home loan allows for the highest percentage of cash out over any other loan type.

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Featured Listing! 956 W 10th Street Unit B, San Pedro, CA

Debbie Marcoux NMLS ID 237926 — Sat, 08 Oct 2022 15:00:32 +0000

APPLY NOW: https://mortgagemomradio.com/apply/ 956 10th Street, Unit B, San Pedro, CA Private, peaceful, pleasant… This 3-bedroom, 2-bathroom one-level condo is located in the highly desirable Vista Del Oro neighborhood in San Pedro. Venture through the front door and turn left to enter the master suite, with two sizeable closets and its own ensuite bathroom. Proceed down the hallway past two more spacious bedrooms and the interior laundry area. At the rear of the unit, you will find the cheerful living room with hardwood floors, a cozy glass rock fireplace, and a dry bar, which already has the sink hookups to convert it to a wet bar. Adjacent to the living room you will find the dining area and sunny and bright kitchen, featuring sparkling stainless-steel appliances, including a 5-burner stove, range hood, double oven, refrigerator, and dishwasher. For entertaining, you will enjoy not one, but TWO separate balcony areas with an outdoor storage area. Don’t miss the two parking spots and your own large private storage room in the secure community garage. This property is also close to restaurants, shopping, and nightlife in the downtown San Pedro area, the beach, Cabrillo Marina, the famous Crafted at the Port of Los Angeles, and Brouwerij West brewery. Hurry and buy in San Pedro before the brand-new waterfront public market is complete! Are you trying to sell your home or you are real estate agent with a fantastic listing? Reach out to us, we'd love to help! For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Text "MOM" to 844-935-3634 to receive a link once a week to join the show. Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NC, NV-57237, MO, OR, TN-184373, TX, WA-MLO-237926

Featured Listing! 2405 Windjammer Way, Las Vegas, NV 89107

Debbie Marcoux NMLS ID 237926 — Fri, 07 Oct 2022 16:32:41 +0000

APPLY NOW: https://mortgagemomradio.com/apply/

We love this property in Las Vegas! Looking for a one story home that is a sprawling almost 4000 square feet on just about half an acre? Exempt from HOA in Rancho Bel Air! Contact us to see this one in person!

Are you trying to sell your home or you are real estate agent with a fantastic listing? Reach out to us, we’d love to help!

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Q&A All Things Real Estate And Mortgage

Debbie Marcoux NMLS ID 237926 — Thu, 06 Oct 2022 09:04:29 +0000

Q&A – All things real estate and mortgage! Today, our listeners motivated the show. I opened it up to any questions at all that anyone watching wanted to ask. There were a ton of great questions and I answered them all. We talked about: Reverse Mortgage Sellers buying down the rate Will Gen Z have the ability to buy a home someday Will rates come down What is a HELOC or HELOAN …and more! https://mortgagemomradio.com/apply/ For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW We are LIVE on YouTube every Wednesday. Watch us record our show and ask us your questions. Text “MOM” to 844-935-3634. We will send you a link each week to interact live. How do you schedule a phone appointment with mom? Go to our website, MortgageMomRadio.com and click “Appointments” Get your free consultation today! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID MLO- 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Q&A All Things Real Estate And Mortgage

Debbie Marcoux NMLS ID 237926 — Wed, 05 Oct 2022 22:12:49 +0000

10/5/2022

Reverse Mortgage
Sellers buying down the rate
Will Gen Z have the ability to buy a home someday
Will rates come down
What is a HELOC or HELOAN
…and more!

https://mortgagemomradio.com/apply/

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Buy Downs / Lock & Shop

Debbie Marcoux NMLS ID 237926 — Thu, 29 Sep 2022 00:12:16 +0000

9/28/2022

Today we talked about buy downs (lower your rate for the first year or two), we also talked about locking in your loan while you shop to secure your interest rate.

https://mortgagemomradio.com/apply/

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Big NEWS! New Loan Program Available – No Income Qualifying

Debbie Marcoux NMLS ID 237926 — Fri, 23 Sep 2022 21:24:50 +0000

9/23/2022

We have big news with a new loan program to bring to you! After recording this episode, I received the full details of the loan. Please read below for updated information!

Community Mortgage was designed to fill the void and address the issues limiting prime, credit worthy borrowers’ access to credit through common sense underwriting. This exclusive mortgage product is unique in the marketplace. This exclusive mortgage product is unique in the marketplace.

Program Highlights:

Primary Residence and Second Homes
Credit Underwriting based on loan to value, fico score, and liquidity
Income Documentation Not Required
Income NOT STATED on application
Debt to income ratio not calculated
Asset Seasoning – 30 days
Loan Amounts up to $3M
Up to 80% loan to value
Loan to value for cash out refinance up to 70%
Fico Score beginning at 640
Reserves needed – starting at 12 months based on loan size

For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW

Market Update

Debbie Marcoux NMLS ID 237926 — Thu, 22 Sep 2022 18:01:39 +0000

9/19/2022

What is going on with the real and mortgage markets today? The fed just increased the prime rate, where will you feel the pinch?

Book your free phone consultation today, BOOK NOW

Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NC, NV-57237, MO, OR, TN-184373, TX, WA-MLO-237926

Market Update

Debbie Marcoux NMLS ID 237926 — Tue, 20 Sep 2022 12:33:21 +0000

Mortgage Mom Radio Featured Listings

Debbie Marcoux NMLS ID 237926 — Tue, 20 Sep 2022 10:38:20 +0000

Today we let you watch as we film our featured listings of the week. We are LIVE on YouTube every Wednesday. Watch us record our show and ask us your questions. Text “MOM” to 844-935-3634. We will send you a link each week to interact live. How do you schedule a phone appointment with mom? Go to our website, MortgageMomRadio.com and click “Appointments” Get your free consultation today! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID MLO- 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

What Is The Best Way To Get Cash Out Of Your Home?

Debbie Marcoux NMLS ID 237926 — Tue, 13 Sep 2022 09:37:05 +0000

What Is The Best Way To Get Cash Out Of Your Home?

Debbie Marcoux NMLS ID 237926 — Mon, 12 Sep 2022 23:32:16 +0000

9/12/2022

What is the best way to get cash out of your home? Is it with a Home Equity Line of Credit, a Home Equity Loan, or a good old fashioned refinance?

Do you know what might happen to your Home Equity Line of Credit if property values fall?

Tune into today’s episode as we talk about the options available to take cash out of your property!

Book your free phone consultation today, BOOK NOW

Are We In A Housing Recession?

Debbie Marcoux NMLS ID 237926 — Thu, 08 Sep 2022 09:04:46 +0000

Today’s show: We are LIVE on YouTube every Wednesday. Watch us record our show and ask us your questions. Text “MOM” to 844-935-3634. We will send you a link each week to interact live. How do you schedule a phone appointment with mom? Go to our website, MortgageMomRadio.com and click “Appointments” Get your free consultation today! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID MLO- 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Are We In A Housing Recession?

Debbie Marcoux NMLS ID 237926 — Wed, 07 Sep 2022 22:41:09 +0000

9/7/2022

Are we in a housing recession?

What does recession actually mean and how does that corelate to housing?

Should you still be considering purchasing a new home or investment property?

Tune in to this weeks episode to learn about the real estate market and the latest statistics that have been released.

Book your free phone consultation today, BOOK NOW

Skyrocketing Rents!

Debbie Marcoux NMLS ID 237926 — Fri, 26 Aug 2022 19:12:54 +0000

8/26/2022

Have you recently felt the pinch of your rents increasing? If you haven’t yet, there is a good chance that you will when your contract comes up for renewal. Today we discuss the opportunities for current owners to purchase rental properties for additional income as well as renters to purchase their first home to shield against rising rent costs.

Book your free phone consultation today, BOOK NOW

We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Text “MOM” to 844-935-3634 to receive a link once a week to join the show.

Relocating To A New State

Debbie Marcoux NMLS ID 237926 — Mon, 22 Aug 2022 17:17:01 +0000

8/22/2022

Are you thinking about moving? Have you been wondering where to start? Our team is licensed in numerous states across the country. We can be your first point of contact to get your financing in place and help you to locate a real estate agent in the area where you are focused. Are you not quite sure where that move might take you? That’s o.k. too. We are licensed in AZ, CA, FL, GA, ID, IL, MO, NC, NV, OR, TN, TX, and WA.

Do you know what the job requirements are if you are going to transfer to a new location? Give us a call to help you put your plan in place and execute your move correctly.

Book your free phone consultation today, BOOK NOW

Relocating To A New State

Debbie Marcoux NMLS ID 237926 — Thu, 18 Aug 2022 09:15:15 +0000

Homebuyer Workshop 2022 - 8/14 @ 1PM PST

Debbie Marcoux NMLS ID 237926 — Mon, 15 Aug 2022 13:25:39 +0000

Join us for a fun afternoon of education and entertainment, all wrapped into one! Do you want to buy a home but need help getting started? Has your rent recently gone up? The market has shifted from a sellers market to a buyers market with more opportunity to grab a deal and get some of your costs paid. Buying a home protects future increases in your monthly payment as well! We have been delivering successful homebuyer workshops since 2015. We had a few years where contact was limited, and these workshops had to be made via YouTube. We’re excited to have you back and ready to learn in-person. We will be covering the following: Real Estate and Mortgage Buzz Words – the most utilized words and their definitions Loan Programs and their guidelines – FHA/USDA/VA/CONVENTIONAL/JUMBO/SELF-EMPLOYED BANK STATEMENT/DEBT SERVICE/ASSET DEPLETION/CRYPTO ASSETS Closing Costs – What are they, how much are they, what are they for? Credit Repair – How can I increase my credit score quickly? What is Escrow? Applying for the pre-approval – what do you need and when is the right time? Lock and Shop program – lock in a rate now while you shop! EMD Insurance program – make offers to sellers that will make your contract stand out just like all cash! Our goal is to educate you around the process of purchasing a home. The more prepared and educated you are, the less stressful the experience will be. This should be an exciting time, not an emotional and upsetting transaction.

Transitioning From Sellers Market to Buyers Market

Debbie Marcoux NMLS ID 237926 — Fri, 12 Aug 2022 19:29:36 +0000

8/12/2022

The home sale market is starting to cool off. We are watching the markets on the West Coast slowing down. We are also starting to see the majority of the nation transitioning from a Sellers Market to a Buyers Market.

How does this effect you as a seller? What can you do to get your home to stand out among the others?

How does this effect you as a buyer? What new opportunities does this bring you that you could not have obtained before?

Our next homebuyer workshop is virtual! It’s this Sunday at 1PM via YouTube. It is completely FREE! Register now to get your link.

Homebuyer Workshop – 8/14/2022 – Sign up now!

https://www.eventbrite.com/e/367079603977

Book your free phone consultation today, BOOK NOW

Transitioning From a Sellers Market to Buyers Market!

Debbie Marcoux NMLS ID 237926 — Thu, 11 Aug 2022 10:52:27 +0000

Today’s show: The home sale market is cooling off. We are seeing the shift from a sellers market to a buyers market. What does this mean for you as a buyer or a seller? We are LIVE on YouTube every Wednesday. Watch us record our show and ask us your questions. Text “MOM” to 844-935-3634. We will send you a link each week to interact live. How do you schedule a phone appointment with mom? Go to our website, MortgageMomRadio.com and click “Appointments” Get your free consultation today! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID MLO- 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

What To Expect From Wednesday’s Fed Meeting

Debbie Marcoux NMLS ID 237926 — Tue, 26 Jul 2022 21:00:14 +0000

7/26/2022

Today we discussed the upcoming Fed announcement about the Federal Reserve Prime Rate. Will they increase the rates? What will that do to mortgage rates, home equity lines of credit, credit cards, student loans, car loans, etc.

Tune in to learn more!

Our next Homebuyer Workshop is right around the corner. Don’t miss out!

Homebuyer Workshop

https://www.eventbrite.com/e/367079603977

Book your free phone consultation today, BOOK NOW

What To Expect From Wednesday's Fed Meeting

Debbie Marcoux NMLS ID 237926 — Tue, 26 Jul 2022 09:39:36 +0000

Today’s show: Today we discussed the Federal Reserve meeting and what we are anticipating with their announcement in regards to mortgage rates, equity lines of credit, credit cards, and car loans. We are LIVE on YouTube every Wednesday. Watch us record our show and ask us your questions. Text “MOM” to 844-935-3634. We will send you a link each week to interact live. How do you schedule a phone appointment with mom? Go to our website, MortgageMomRadio.com and click “Appointments” Get your free consultation today! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID MLO- 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Home Equity Lines and Loans, The Good, The Bad, The Ugly

Debbie Marcoux NMLS ID 237926 — Wed, 20 Jul 2022 21:52:39 +0000

7/20/2022

Home Equity Lines and Loans – The Good, The Bad, & The Ugly! What do you need to know about the most popular way to pull cash out of your home in today’s market?

Our next Homebuyer Workshop is in just a few weeks. Get your tickets now to give yourself the opportunity to purchase a home as the shift from sellers market to buyers market is underway!

Homebuyer Workshop

https://www.eventbrite.com/e/367079603977

Book your free phone consultation today, BOOK NOW

Is Now A Good Time To Buy?

Debbie Marcoux NMLS ID 237926 — Tue, 19 Jul 2022 09:03:51 +0000

Is Now A Good Time To Buy?

Debbie Marcoux NMLS ID 237926 — Mon, 18 Jul 2022 23:22:54 +0000

7/18/2022

Is now a good time to buy? That’s what I’ve been asked just about every day for the last few months. We explore this topic today and give you the answers that you are looking for!

Homebuyer Workshop

https://www.eventbrite.com/e/367079603977

Book your free phone consultation today, BOOK NOW

What Is Mortgage Mom Radio? What services do we provide?

Debbie Marcoux NMLS ID 237926 — Thu, 30 Jun 2022 20:43:53 +0000

6/29/2022

Mortgage Mom Radio provides you with a new podcast, YouTube, and Radio Show weekly. It’s FREE education and FREE consultations!

How did we get started?

Why do we do this?

What services do we provide that you can chose to work with us directly?

Tune in to learn more about Debbie Marcoux and her team at Mortgage Mom Radio!

We have multiple homebuyer workshops scheduled for the rest of the year. RSVP now for our closest date! See below.

Homebuyer Workshop

https://www.eventbrite.com/e/367079603977

Book your free phone consultation today, BOOK NOW

We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments.

What Is MortgageMomRadio

Debbie Marcoux NMLS ID 237926 — Thu, 30 Jun 2022 08:57:02 +0000

What is Mortgage Mom Radio? What services do we provide? We are LIVE on YouTube every Wednesday. Watch us record our show and ask us your questions. Text “MOM” to 844-935-3634. We will send you a link each week to interact live. How do you schedule a phone appointment with mom? Go to our website, MortgageMomRadio.com and click “Appointments” Get your free consultation today! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID MLO- 2080237926, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926

What is a Notice of Default? What happens next?

Debbie Marcoux NMLS ID 237926 — Mon, 27 Jun 2022 19:00:50 +0000

6/27/2022

Many homeowners have recently received a Notice of Default, why now?

For more than two years, the federal government and has put a moratorium on foreclosures. Meaning, if someone was behind prior to the pandemic, they could not be foreclosed on. Many became behind due to the pandemic and as stated, there was nothing that the bank, county (think property taxes), or HOA’s (yes, that’s right, your HOA can foreclose on you), good do to collect or move forward with sale to rectify the balanced owed.

In today’s episode we talked about the following:

What is a notice of default?
How much time do you have before being issue a notice of trustee sale?
What is a notice of trustee sale?
Are you in jeopardy of losing your home?
Do you have any options to save your property outside of paying the lender the full balance due?

Sometimes selling your home is your only way to take care of your balance due, but if there is a way to save your home and get you back on track without the sale of your home, Mortgage Mom Radio is here to help you make that happen!

We have multiple homebuyer workshops scheduled for the rest of the year. RSVP now for our closest date! See below.

Homebuyer Workshop

https://www.eventbrite.com/e/367079603977

Book your free phone consultation today, BOOK NOW

We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments.

Notice of Default

Debbie Marcoux NMLS ID 237926 — Thu, 23 Jun 2022 09:06:06 +0000