Mortgage Mom Radio - Podcast: Recent Episodes
Debbie Marcoux - Mortgage Mom Radio
Mortgage Mom Radio is a mortgage and real estate advice show. We help all those who are navigating the real estate, home buying, and mortgage process. You are encouraged to call us with all of your questions 844-935-3634! Our phones are answered 24 hours to help you. Want to be a guest on our next show? Call in Saturday mornings between 7AM and 8AM.
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.
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.comLooking 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.
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.
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.
The Federal Reserve left rates unchanged today. The last two inflation reports being worse than expected have created bumps in the road which continues the higher for longer narrative of the Federal Reserve.There were some positive pieces to today’s meeting with the slowing of the sale of treasuries on a monthly basis beginning on June 1, 2024. This is a good indicator that we are possibly at a tipping point to start seeing some cooling in the economy, which will ultimately lead to future rate cuts.As indicated in many shows, I do believe that our first rate cuts will not come until fourth quarter of 2024 whether that we earlier or as late as December.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.
The Federal Reserve left rates unchanged today. The last two inflation reports being worse than expected have created bumps in the road which continues the higher for longer narrative of the Federal Reserve.There were some positive pieces to today’s meeting with the slowing of the sale of treasuries on a monthly basis beginning on June 1, 2024. This is a good indicator that we are possibly at a tipping point to start seeing some cooling in the economy, which will ultimately lead to future rate cuts.As indicated in many shows, I do believe that our first rate cuts will not come until fourth quarter of 2024 whether that we earlier or as late as December.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.
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.
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.
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!
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.
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?
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.
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!
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.
This was a great show as I went over questions that have been asked by my listeners. These are great questions because they cover important questions that the listeners have. My goal is to bring you the information that you need when exploring a new home purchase or refinance. I love the questions, keep them coming!
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.
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!
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.
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.
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.
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
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 NOWWe 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 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 NOWWe 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
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 NOWWe 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
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 NOWWe 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
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 NOWWe 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'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 NOWWe 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
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 NOWWe 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
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 NOWWe 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
Housing Predictions for 2024!For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOWWe 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
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 NOWWe 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
For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOWWe 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
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 NOWWe 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
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 NOWWe 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
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 NOWWe 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
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 NOWWe 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
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 NOWWe 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 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 NOWWe 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
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
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
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
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
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
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
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
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 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
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
On Wednesday, the Federal Reserve raised the Fed Funds Rate to a range of 5.25 to 5.50% and this move was widely expected. Fed Chair Powell also shared that if the data comes in strong over the next two months, they will raise rates again in September. The opposite is true. What data was the Fed talking about? Mr. Powell was specific and said there will be two jobs and CPI (inflation) reports, and one employment cost index which garners most of their attention before the Fed meets again in September when they decide what to do with interest rates. One of the main reasons interest rates remain high and the Fed has continued to raise rates is the underlying resilience of the economy. Many economists, market watchers and central bankers were calling for a recession by the middle of this year. In fact, one reputable publication back in November said there was a 100% chance of a recession in 2023. Fortunately, or unfortunately, depending on how you're looking at it, the economy is currently growing near 2% and unemployment is at 3.6%, which are not conditions that lead to an economic recession. Looking forward...watching the economic data will be important to determine whether the Fed increases rates further. At the very least we should be prepared for the Fed to hold the Fed Funds Rate at current levels for quite a bit longer. How much longer? The Federal Reserve wants to see inflation come down to 2%. The Fed's favorite gauge of inflation is currently running at 4.6% so, there is a lot of wood to chop for inflation to get near the Fed's target. In fact, the Fed's forecast calls for core inflation to reach its goal in the year 2025. So, when we hear higher for longer, that's what we mean. For reference: In the last rate hiking cycle back in 2018, the Fed cut rates 7 months after the last hike. Meanwhile, during that same time, home loan rates steadily improved. Bottom line: The Federal Reserve may very well be done hiking rates. However, long-term rates may likely edge lower slowly. Why? The economy is slowing. Slowly, unemployment is rising, slowly, and inflation is rising slowly. 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 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
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
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
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
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
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
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
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
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
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
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
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
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
In this episode of our podcast, we explore the California Housing Finance Agency (CalHFA) and its shared appreciation loan program. We explain how CalHFA works, who qualifies for their programs, and what benefits they offer to homeowners. We also discuss shared appreciation loans, a unique type of financing that allows homeowners to access cash without adding to their monthly debt obligations. Our guest expert provides valuable insights into the pros and cons of shared appreciation loans and how they can be a valuable tool for homeowners in certain situations. Tune in to learn more about CalHFA and shared appreciation loans!
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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 NOWWe 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 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
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
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
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
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
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
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
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
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
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
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
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 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
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
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
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
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
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
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
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
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
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
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.
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
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
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
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
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
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
10/5/2022
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 @ 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
9/25/2022
Today we held a homebuyer workshop. We provided education to get you through the home buying process. Learn everything you need to know from A to Z.
You can also watch this workshop on our YouTube Channel to view the slides as we make our way through the presentation.
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
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
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
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
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
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
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 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
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
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 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
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
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 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
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.
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
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
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.
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
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
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.
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
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
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.
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, OR, TN-184373, TX, WA-MLO-237926
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
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.
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, OR, TN-184373, TX, WA-MLO-237926
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
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.
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, OR, TN-184373, TX, WA-MLO-237926
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.
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, OR, TN-184373, TX, WA-MLO-237926
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.
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, OR, TN-184373, TX, WA-MLO-237926
6/13/2022
This week the Fed is due to announce the next Federal Funds or Federal Prime Rate increase. It has been previously mentioned that every 6 weeks the fed plans to increase the rate by .50%. This time, before the meeting began, it was hinted that we would see an increase of .75%. This in itself has shot the stock market, the cryptocurrency market, and interest rates into a tailspin for the worse.
Additionally, last week it was announced that inflation has hit a 40 year high. The current inflation numbers haven't been seen since 1981.
What does this mean to you?
Should you consider buying a home right now?
How do you get your budget inline? With gas and grocery costs being more than 10% of the household income right now, what can you do to get your expenses down?
Should you consider a refinance even though your first mortgage rate is lower than what is available today?
We have multiple homebuyer workshops scheduled for the rest of the year. RSVP now for our closest date! See below.
Homebuyer Workshop
RSVP
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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.
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, OR, TN-184373, TX, WA-MLO-237926
06/02/2022
Today we talked all about our upcoming homebuyer workshop. We are super excited to see you both in person and virtually. Listen to the show, get your free tickets, and get yourself ready to become homeowners!
Homebuyer Workshop
RSVP
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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.
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, OR, TN-184373, TX, WA-MLO-237926
5/27/2022
We are now offering:
Home Equity Lines of Credit - Home Equity Loans - Bridge Loans
This is fantastic when you have a really low interest rate on your current mortgage but you are looking to take cash out for home improvements or debt consolidation.
Bridge loans offer you a way to get the cash out of your property so that you can purchase without having to sell. A bridge loan does have to be paid off within 11 months so this would be a product for someone who does want to sell their home, but they want to move first to avoid the hassle of showing their home while living in the property.
Give us a call to learn more about these exciting new programs.
Would you like to RSVP for our Homebuyer Workshop?
Homebuyer Workshop
RSVP
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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.
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, OR, TN-184373, TX, WA-MLO-237926
5/25/2022
Today I continued to review all of our new loan programs and announcements that we have had since the beginning of the year. We touched base once again regarding the following:
Homebuyer and Homeowner Workshop available dates Interest Rate Buy Downs vs Buying Down Your Interest Rate Adjustable Rate Mortgages USDA Loan Programs Home Solar
Would you like to RSVP for our Homebuyer Workshop?
Homebuyer Workshop
RSVP
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window.EBWidgets.createWidget({ widgetType: 'checkout', eventId: '340224198737', modal: true, modalTriggerElementId: 'eventbrite-widget-modal-trigger-340224198737', onOrderComplete: exampleCallback });
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.
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, OR, TN-184373, TX, WA-MLO-237926
5/14/2022
Today was a re-cap of new programs announced over the last 6 weeks as well as Workshops that we've announced.
Lock and Shop Program Earnest Money Insurance Program (Don't lose your earnest money, let us insure it) Homeowner Workshop - Are you thinking about selling your home, moving out of state, possibly behind on mortgage payments? Homebuyer Workshop - Looking to purchase a home and need help getting started? Have you been actively looking but you are striking out when writing offers?
Would you like to RSVP for one of our Workshops?
Homeowner Workshop
RSVP
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Homebuyer Workshop
RSVP
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window.EBWidgets.createWidget({ widgetType: 'checkout', eventId: '340224198737', modal: true, modalTriggerElementId: 'eventbrite-widget-modal-trigger-340224198737', onOrderComplete: exampleCallback });
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.
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, OR, TN-184373, TX, WA-MLO-237926
5/10/2022
Restrictions are gone and we're ready to get back to in-person business! We will once again be offering Homebuyer Workshops as well as Homeowner Workshops in person.
I'm super excited to announce that we will be offering two workshops coming up in the month of June.
June 4, 2022 - Our first ever, Homeowner Workshop!
This workshop is for our HOMEWONERS
This workshop will give you everything that you need to know about selling your home. If you are considering selling your home and buying another, we've got you covered there too!
How much is my home worth? How much would I walk away from after closing costs and commissions? How much are closing costs and commissions? What are they for? How much will I qualify for to buy again? If I am in forbearance and sell my home, can I buy again? What if I am in forbearance and I do not want to sell, what are my options?
Our goal is to educate you around the process of selling your home as well as getting you prepared for your next home purchase. If you are caught in a bind with your current mortgage, selling your home may not be your only option and we will walk you through your options in that scenario as well.
We must keep this workshop small. We are going to provide a good amount of information which will include one-on-one consultations for each homeowner. We want you to leave understanding all of your options to help you make the best decision for you and your family!
If you would like to RSVP for this event, please click on the link and type Homeowner Workshop in the message section. We will call you to confirm your reservation and the details of the event, date, time, and documents that you should bring with you!
June 25, 2022 - Homebuyer Workshop!
Do you want to buy and have been striking out with offers or need help getting started?
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 more credit score quickly? What is Escrow? Lock and Shop program? EMD Insurance program?
Again, our goal with this workshop is to educate you around the process of purchasing a home. The more prepared and educated that you are, the less stressful that the experience will be. This should be an exciting time, not an emotional and upsetting transaction.
If you would like to RSVP for this event, please click on the link and type Homebuyer Workshop in the message section. We will call you to confirm your reservation and the details of the event, date, time, and documents that you should bring with you!
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.
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, OR, TN-184373, TX, WA-MLO-237926
4/26/2022
Is your loan currently in forbearance but you have not yet reached out to the bank to get back on track or rectify the balance due?
Today we discussed the current situation of the US in regards to the amount of homeowners who had put their loan in forbearance at the beginning of the pandemic. We gave updated figures as to the number of homeowners who are still currently in forbearance and will soon need to rectify the balance due.
What are the options available to you if you are in forbearance and it's time to talk with the bank.
Loan Modification Loan Refinance Sell your home to retain the equity
How will the $1,000,000 homeowners who are still unable to make mortgage payments move the market? Will we see more homes and inventory that are listed for sale, will it slow down the appreciation that we have been experiencing over the last few years?
If you are a buyer who has been actively seeking a new home and struggling with current prices and interest rates, should you still be shopping?
We gave a lot of valuable information in this episode and we are here to help anyone who needs our assistance. Not sure what you can do? Give us a call!
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, OR, TN-184373, TX, WA-MLO-237926
4/18/2022
Today we announced our New Lock and Shop Program! What does this mean? Exactly what it sounds like. You can now lock in an interest rate while you shop. You do not need to have an address identified or be under contract.
Learn more by listening to today's episode. Call us for additional details or to get your lock and shop started! 844-935-3634
Exciting news, our North Carolina license was also just approved. We now have 12 states under our belt where we can help you and we continue to add more as rapidly as we can. If your looking to make a move, in my opinion, we are the best in the business, give us a call.
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, OR, TN-184373, TX, WA-MLO-237926
4/13/2022
Have you been thinking about getting solar on your house?
Does it make sense for you and your family? Which option is best? Do you purchase the panels outright, lease them, or have you had someone talk to you about a power purchase? Learn what each is, what are the best options, and does solar make sense where you live?
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
4/13/2022 Today we talked about our New EMD Guarantee Program - Compete in Today's Crazy Market!
What is an EMD Guarantee? When you open escrow/title depending on the state where you are purchasing, you will likely wire money to show the seller that you have every intention of buying the home. This wire is called your earnest money deposit.
Most contracts will give you a contingency time frame to get your financing in order or better known as your loan contingency. If you can write NO LOAN CONTINGENCY, the seller will take you more seriously.
We have come up with a way that you can waive your loan contingency and close in as little as 5 business days!
Watch today's show and give us a call if you would like to get your pre-approval started. 844-935-3634!
Want to learn more or talk with one of us today? Give us a call, we'd be happy to discuss this loan program with you. 844-935-3634
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
4/6/2022
USDA home loans are amazing! Today we had David Corwin, Deputy Director with the USDA on our show to talk about eligibility and the benefits of a USDA home loan.
Did you know:
You can buy a home using a USDA home loan with zero down payment They work off of the appraised value, not the purchase price which means that you could potentially finance more than what you bought the home for. The income limits are 115% of the median income in the area where you will purchase (this is quite generous). 67% of households in the US will qualify 92% of the homes in the US are within USDA approved rural areas
Want to learn more or talk with one of us today? Give us a call, we'd be happy to discuss this loan program with you. 844-935-3634
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
4/4/2022
Today we talked about VA home loans. If you are a vet and you want to purchase or refinance, you have more options available to you then most other loan programs. From zero down payment to taking cash out at almost 100% of your property value, you have earned it.
VA home loans are also much more lenient with credit scores and debt ratios making it easier to qualify for the loan. If you haven't reached out to see if it is possible for you, now is the time!
Give us a call today, we'd be happy to speak with you about your options and get you pre-approved for a new home purchase or refinance of your existing residence.
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
3/28/2022
Today we talked about the changes that were announced by Experian, Equifax, and Transunion. The credit bureaus have agreed to change what is reported when it comes to medical collections. In this episode we discuss the three changes that will occur between between July 2022 and the beginning of 2023. If you have medical collections on your credit report you have good news in store. You should see a bump to your credit score once all of the changes are rolled out.
George Hartmann with Credit Repair in 30 gave us all of the details about those upcoming changes as well as additional tips and advice. If you want to contact George to discuss your own credit and ways to improve your score, you can contact him at creditrepairin30.com
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
3/24/2022
Today's episode was filled with emotion. We have all finally come to realize and must embrace that our current environment has changed. Over the last 10 years we have for the most part been on the down elevator in the rate department. Starting in the middle of 2021, interest rates began to climb very slowly. By January of 2022 it was evident that the rates were going to continue to push up on that rate escalator. As of March 1, we were barreling forward from slow steady upward climb to a high speed elevator in downtown.
Understanding that this is the new future, and preparing for additional rate hikes and higher mortgage interest rates by year end, I thought that it was the time to start looking at what alternatives are available to keep housing prices affordable, allow for current homeowners to take cash out of their homes without a huge increase over their current payment today. This pushed me to start looking at old programs that were part of daily life in loan origination back in the late 1990's and early 2000's.
Adjustable rate mortgages used to be one of the options that were presented to every client during every consultation. With interest rates as low as they have been over the last few years, those programs stopped making their way onto the options list. At a time where interest rates start to hit numbers that can become a challenging, it is important to introduce how they work, how long that they are locked in for, and what happens after the initial lock period is expired.
Additionally, most consumers have not heard of 1-1, 2-1, and 3-1 buydowns. Don't confuse a buy down with discount points. Discount points would buy your rate down for the term of the loan. In general if you pay 1PT (1% of your loan amount) you can lower the market rate by about .25%. With a buy down, think of it as a start rate. You get a lower interest rate for an introductory period of time. In the 1-1 buy down, you would reduce your rate by 1% for the first year and then adjust to the note rate for the remaining term of the 30 year fixed. For example, if today's rate is 5%, your first year you will make a payment based on 4%. The 2/1 buy down, using the same example of market rate being 5% would begin at 3% the first year, 4% the second year, and 5% being the rate for the remaining 28 years. The 3/1 buy down following the same pattern but beginning 3% lower than the market rate today.
The buydown program is a great fit for someone who knows that their income is lower today then where it will be in the future. Wondering if this is something that would work well for you? Consider where you expect your income to be by the time that the note has hit is full rate for the remaining term. Did you just start a job where you will get bonus income but it hasn't started yet. At a lower hourly rate during a probationary period but you know that your annual raises will bring your income up to a point that the future payment will not be an issue. This could be a great program for you.
The last piece of this show included a solution for those of you who have an interest rate on your current mortgage that is so low that you hate to disturb it, but you know that you need to pull some cash out? Thought about a HELOC but worried about where the payment will be after all of the federal reserve rate hikes expected this year and next? Home improvements and debt consolidation don't typically work on your schedule, but they need to take place. Our blended rate calculator will do the math for you. It's not up to me or my team to convince you that it's a good idea to refinance your home, but the match of the calculator will show you what you are paying today as an average between all your monthly debts. This will help you to feel more comfortable losing that rate that you currently have and moving forward with the debt consolidation or improvements that you have been considering.
This was a great show jam packed with a ton of education...
The Federal Reserve announced today that they will be increasing the Federal Reserve Prime Rate, also known as the Fed Funds Rate, but .25%. They expect to increase the interest rate by .25% every 6 weeks until they end the year at a total rate of 1.9. We started off the year at .05 where we have been sitting since April 2020. Prior to March of 2020 the Fed Funds Rate was 1.58.
Do you want to understand what this all means to you? How do we expect the future of the real estate market and mortgage rates respond?
Additionally on this show, we brought in Michael Mazure with United Capital Group. Michael talked about Hard Money Loans and the loan scenarios that would benefit from hard money lending.
This was a great show, a little long, but it had a ton of great content!
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
3/9/2022
Inflation Inflation Inflation! Are you tired of hearing that word? Are you tired of feeling the pain of the gas prices, groceries, utilities, all soaring? Well, I can't fix those things but I did give you some tips and tricks to try to reduce your monthly budget in this episode.
We all make decisions based on what we can afford. For example, when you buy a new car or a home, you go through your monthly debts, your take home income, your expenses on groceries, utilities, eating out, etc. If your income hasn't changed from what it was when you made those large purchases, you may no longer be able to afford those payments that you signed up for.
The only option that you have is to try to bring down the expenses that you can control such as vacations, utilities, and eating out. How do you control your utilities? The gas company, power, water, trash, they aren't going to give you a special deal because your struggling. Listen now to hear mom's tips.
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
3/7/2022
Today's title pretty much sums it up. Are you shopping for a new mortgage and you have been presented with an option for a lower interest rate if you pay points? Whether you are buying a house or considering refinancing, you may or may not want to buy points. The best way to understand why you may have to or why you may want or not want to, is to watch today's episode!
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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.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
3/4/2022
1031 Exchange transactions are very common among investors who have rental properties and chose to sell. Unless you have occupied the property for a minimum of two years out of the last five years, you will pay capital gains. The only way to avoid capital gains is to roll over the proceeds to a new investment property. Rolling over the proceeds from one investment to another is called a 1031 Exchange.
There are many rules around the 1031 Exchange process. We touch on many of those rules today but to learn more or to get your questions answered on this topic, schedule yourself a free phone consultation. We will discuss your personal scenario with you and get you moving in the right direction.
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
2/28/2022
Were you wondering if it is possible to take cash out of your home so that you can buy a new home, move, renovate, and then sell? Today I gave you 4 different options that are available to make that happen.
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
2/24/2022
During this weeks episode I focused on Rent vs. Own. With property values increasing, interest rates increasing, and inventory becoming even lower than it has been over the last few years, many of my clients have started to believe that they are priced out of the market and they should put their home buying plans on hold.
This couldn't be further from the truth. Today I touched on all of those questions including, current rents, future rent values, as well as interest rates, monthly payments, and more.
First time buyers and future/current owners of rental investment properties will all benefit from this information.
Don't miss out on another great Mortgage Mom Radio episode!
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
2/16/2022
Mortgage Mom Radio Live: Buy Now Pay Later!
Today’s show: Today we focused on the Buy Now Pay Later Programs and how they will affect your qualifications for a new mortgage, whether that be for a purchase or a refinance. Learn all you need to know in this episode of Mortgage Mom Radio!
This was Heather's first go at it by herself and boy did she do great!
We are LIVE on YouTube every Monday and Wednesday @ 1PM. 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
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
2/9/2022
Today we had Chris Lechner, Broker/Owner of Global Point Relocation Services on the show. He is an expert in the relocation field being immersed daily with corporate relocation clients for very large corporations such as Northrup Grumman.
Chris gave us detailed information about the relocation process and tips to reduce the stress level when trying to sell your home in one state to move to another.
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
2/9/2022
Are you relocating to another state? Today we talked about tips and tricks for your long haul move.
We are your one stop shop for a referral to a realtor to sell your home, where you live today, and buy your next home, in your new city. We are also licensed in many states and will help you to obtain your pre-approval for your purchase. We can help you in CA, AZ, WA, OR, ID, NV, TX, IL, GA, TN, and FL. HI and CO are just around the corner. We will continue to add more as quickly as we can.
Don't miss our show tomorrow as we continue to discuss relocation. I will be talking with Chris Lechner, Managing Broker/Owner of Global Point Relocation. Working with relocation on a daily basis I can't wait for the education that he will bring to us tomorrow!
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Today's episode was a re-cap of our live seminar on Saturday 1/29/2022, as well as our interview with CryptoWendyO on Monday, 1/31/2022.
The short story, Yes, we can use your Bitcoin and Crypto assets for your home purchase, closing costs, down payment, and reserves. Do you want to use your crypto assets and you have been told that you cannot? Give us a call, 844-935-3634!
This is a nice consolidation episode of the information received during the hour and half episode on Saturday and the hour long episode on Monday. We covered detailed information about what is Bitcoin, Wallet, Exchange, How do you buy, etc. Then on Monday, we went even deeper and more technical into the Metaverse, buying real estate in the Metaverse, and Web3.
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
The mortgage industry has been making progress in utilizing Bitcoin for down payment and closing costs. Many loans require reserves and we are looking forward to utilizing Bitcoin for those requirements as well.
Today's show will be with CryptoWendyO and Tony Cuda, VP of Financing at JMJ Financial. He will be answering all of Wendy's tough questions and explaining the programs that we have available from Fannie Mae/Freddie Mac products to Portfolio lenders and how we can utilize your Bitcoin! Are there lenders that will not require liquidation? Why yes there are!
We will then jump into education by CryptoWendyO to explain the Metaverse and purchasing Real Estate in the new world!
I am looking forward to an exciting episode of Mortgage Mom Radio!
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Have you been thinking about buying Bitcoin and have no idea what it is, not sure where to start? What's the wallet that you hear about? Do you need an exchange? What the heck is that? We're going to take you through the basics to get you acquainted.
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
1/26/2022
We are back in tax season again; does it ever end! I feel like we were just here a few months ago.
What is important this year to keep your eye on? Did you receive any stimulus payments? Did you receive any child tax payments? If you receive any letters at all in the mail from the IRS about payments that you received, make sure to keep copies of those letters and provide them to your tax preparer.
Today we had Denise Taylor, our Tax Grandma on the show. She talked to us about your online IRS account and the new iD.me that you must verify through to get to your account. She also talked about what you need to do with those letters, what do you do if the letters show income that you did not receive.
This was a very beneficial episode for everyone, whether you are a homeowner or not. I would highly recommend tuning in. Mortgage Mom Radio is here to help educate you on anything that could impact you or your ability to purchase a home or refinance a home. Your tax returns are an essential part.
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
1/24/2022
Thirty-five percent of first-time buyers and existing homeowners believe they need a down payment of 16% to 20% of the purchase price.
Ten percent believe they need more than 20% for a down payment to purchase a home, according to survey data from the National Association of REALTORS®. With the recent double digit rise in home values, this can be a very difficult hurdle to push through.
The good news, this is not true at all! It is a misperception based on old data from years past. There are low down payment options available. Many might say, "with low down payments you will be forced to pay mortgage insurance." That might be, however there are many programs with less than 20% down payment that offer options without paying a monthly expense for mortgage insurance.
There are programs that you will pay for mortgage insurance but at only 3-3.5% down payment, it certainly gets you a foot in the door for homeownership. Have you seen the cost of rent in your area lately? If you have been living in the same home with a long-term rental contract, that's great news for you. Keep your fingers crossed that your landlord does not increase your rents. The current rent vs. own, even with the elevated home prices, is proving to be more beneficial to own a rather than rent.
Market Update: 1/24/2022
Home loan rates ticked up this week to the highest levels in two years. Let's discuss what's happened this past week and what to watch in the weeks ahead.
"Up, Up, Up - Can only go up from here" ...Up by Shania Twain
Interest Rates Rising Globally
The U.S. bond market took the long weekend to ponder Federal Reserve Monetary Policy and what they will do at next week's Fed meeting and beyond.
Once the bond market reopened on Tuesday, it came to the realization that rates "can only go up from here."
Much like 2018, the Fed is hawkish, and they want to raise rates multiple times and possibly "shrink" their balance sheet (sell bonds).
The Treasury market saw the 2-year note yield, an instrument that responds to the notion of Fed rate hikes, spike above 1.00% for the first time in two years. The 10-year yield, which many look to as a rate that ebbs and flows with mortgage rates, ticked up above 1.85%, also the highest in two years.
Mortgage-backed securities (MBS), where home loan rates are derived, dropped sharply again, pushing rates to the highest mark in two years.
The spike here caused ripples abroad, where the German 10-year bund yield crept up to 0.0% for the first time in years. Germany and most of Europe have had negative rates for years and 2022 may be the year that changes.
Oil Prices Spiking
Just when you thought it was safe to fill up your tank, oil has gushed to $86 ... a seven-year high. This spike is untimely as we are already dealing with 7% consumer inflation and a market fearing multiple Fed rate hikes to fight inflation. In the absence of oil prices receding, it will lead to more inflation and expectations of even more. On the latter, this is the fear of the Fed, that consumers will get comfortable and expect higher prices in the future. Inflation expectations are self-fulfilling, meaning if we expect higher prices, we get them. The opposite is true.
It's All About the Fed, Folks
There is no lack of opinions on what the Fed will do this year as it relates to interest rates and their balance sheet. And it is this uncertainty that has caused incredible volatility in the stock and bond markets. The markets are fearing the Fed will hike rates four times or more this year.
Back in 2018, the Fed hiked rates four times and ultimately stocks declined sharply, and housing was disrupted. Subsequently, the Fed spent 2019 reversing all the hawkishness and cut rates in July 2019.
Listening to the Fed is very important as the financial markets and housing are tethered to interest rates, which they control ... to some degree. Let's see what they say and do next week.
It's that time again!! You should be receiving your W-2's in the mail any day! I found a funny meme the other day that was quite true for many. It said, you can easily find a picture from 10 years ago to participate in the then and now photos on Facebook but you can't find last years W-2 when your loan officer requests it...lol
W-2's are very important. If you are not self employed or own investment properties, then the Federal and State tax returns that you file are not necessary when completing your home loan application. What is important are your W-2's. If you are self employed and issue yourself a W-2, both the tax returns and the W-2's are required. Please make sure that you scan them and save them to your computer or in the cloud where you will easily be able to access them.
Furthermore, your final pay stubs from each year are very important as well. Who would think that the final pay stub received each year should be kept with the copy of your W-2? Most wouldn't even think to do that. Why do we need them, why are they important? If you receive Bonus income, Overtime, Commission, shift differential, or any other variable payments as part of your annual salary, we need to be able to see the breakdown. We need a two year history, and we need to calculate the average. If we need to order this information from your employer, it can take days sometimes week to receive what we need. If you keep those pay stubs somewhere safe and easy to get to, when we ask for them, you can send them over and we can quickly calculate your income and give you the approval that you are looking for.
Next week, Wednesday, January 26th, 2022, we will have Denise Taylor our Tax Grandma back on the show. It's 2022 and tax season opens up on January 24th for filing. Are you ready? Do you own a home? Is your CPA telling you that you need deductions? Don't miss next weeks episode where she will provide us any updates that we need to be aware of tips and tricks for a successful filing year.
How do you watch the show live and ask your questions? Text "MOM" to 844-935-3634. You will receive a link by text just minutes before we get started. You will be able to watch us stream the show live right through YouTube and ask your questions in the comments box. Or Subscribe to our channel. Just search, Mortgage Mom Radio, and make sure to turn on your notifications.
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Have you been hearing the words Cryptocurrency, Crypto, Bitcoin, Ethereum, and feel like you have no idea where to start? Is it all foreign to you but you know that you need to do something to get started for your families future? What is a wallet? Why do they talk about cold wallets? What is an exchange? What is the difference between buying from Coinbase and leaving your funds n the exchange or transferring them to a wallet?
Saturday, January 29th @ 1PM PST, Mortgage Mom Radio will be co-hosting an event with Danielle Whitney-Moore of Team Whitney from Keller Williams Rancho Palos Verdes.
Danielle went above and beyond to secure our head speaker Grant Luna with Anderson Business Advisors. Grant has been an active investor and educator in the Bitcoin and Cryptocurrentcy space in multiple ways. HIs experience includes creating an educational webinar series for Valiant Trading, hosting a weekly webinar for Anderson Business Advisors, as well as maintaining an active role with the Orange County Bitcoin Network. Grant particularly enjoys the fundamental aspects of Bitcoin's history, network structure, and helping people with their technical usage and understanding of Bitcoin.
Mortgage Mom Radio has also secured Tony Cuda, Underwriting Manager of JMJ Financial to talk about Bitcoin and how we can utilize it for down payment and reserves depending on the loan program that you chose. It is important to understand the fundamentals/guidelines of the loan program that you will fit best within and to prepare in advance if you need to utilize the assets that you have built in the cryptocurrency space.
How do you join us for the seminar? TEXT "MOM" to 844-935-3634 to receive a link just minutes before we get started. You can actively participate right through YouTube where I will have the seminar streaming.
You can also go to the seminar in person. Give us a call at the same number, 844-935-3634 and we will get you signed up for the event, as well as the in person details to attend.
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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 or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
The Federal Reserve has announced that they plan to increase the prime rate at least 3 times possibly 4 in 2022. We have already seen rate increases of approximately .75% on most loan products since the end of December 2021.
If you are a buyer looking to purchase a home, this could drastically change how much that you qualify for. It is very important that you reach out to your loan officer or even possibly re-start your loan application for an updated qualification number.
If you have been thinking about making a change to a new lender, this would be the time. Reach out to us today to see what we can do for you and please make sure that the numbers you were planning on are still available to you.
Don't waste your time or your realtors time and don't fall in love with a home to be disappointed later.
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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 or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Have you looked at your credit card statement's recently? Many American's do not look at their credit card statements. As a matter of fact, most don't have any idea how much that they are paying in interest or what the interest rate is for the balances that they carry. Have you looked at yours?
What are the options available to pay those debts off ?
Do you own a home? The answer is different for those who do not own homes and for those who do? There are options for both homeowners with equity and those homeowners and non-homeowners who need to get the finances under control.
Tune in to this episode to learn what you can do if you charged those cards up over the holiday and it's time to start paying the piper!
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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 or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Do you have solar on your home now? Are you hoping to get solar added to your home?
Did you know that you can lease or buy your solar equipment just like you would a car?
What are the differences between each?
Is one better than another when you decide to sell your home?
What about a refinance or financing for the new buyer, does it matter if it is a lease or a buy?
What is the benefit to each option?
Tune in as I answer these questions for you on today's episode!
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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 or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
The broad mention of "Appraisal Waiver" during a home purchase can mean two different things.
Are you trying to get the attention of a seller by waiving your appraisal or did your lender tell you that they received an appraisal waiver from the system? These are two very different things and you could get caught in a very bad situation if you don't understand the difference between the two.
Learn more with today's episode!
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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 or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Do you have student loan debt?
Are you ready for the monthly payments that have been in deferment to come due?
Have you budgeted for those payments that you haven't had to make it almost two years?
What can you do to get those under control if your not a homeowner?
Do you own a home with equity?
There are many options available to both homeowners and those who do not own. Listen to today's episode to learn more!
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We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
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, NV-57237, OR, TN-184373, TX, WA-MLO-237926
The Fed announced on December 15th that they plan to increase interest rates three times in 2022 and three more times in 2023. What does this mean to you? Do you have debt that is tied to the prime rate such as a credit card or a home equity line of credit?
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We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Thank you so much for all of our listeners, students, and clients for being part of the Mortgage Mom Radio Family in 2021! We send off 2021 in this episode and we'll see on the next one in 2022!
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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 or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926
The title of this show says it all.
Do you have an FHA loan and pay mortgage insurance?
Do you have a conventional loan and pay monthly mortgage insurance.
Get all of the scoop you need on how about how to remove your monthly mortgage insurance and reduce your total monthly payment!
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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 or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Did your lender tell you that you were signing for a 30 YR fixed rate?
Did you expect that your monthly payment would never change and always be the same?
Why is it changing?
Can it change again?
Tune in as we explain your taxes and insurance.
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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 or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Wednesday, December 15th, 2021 This episode was full of information on multiple topics. In the first segment, Debbie and Heidi start by discussing FHAs in relation to Mortgage Insurance (MI) and how to get rid of that MI. Debbie says the best way to get out of the MI is to refinance, and that it should be done immediately due to interest rates currently being low and property values being high. They go on to discuss Conventional Loans and what the various options to choose from when wanting to remove Mortgage Insurance. They jump into the subject of Escrows and what that is. Heidi explains that Escrows are Property Taxes & Homeowner’s Insurance, and that they are constantly changing on an annual basis. They drill down on this subject along with explaining the issues new homeowners will run into when cashing a “property tax refund check” by their current Lender. Debbie says to put that check into an account that cannot be touched, and let it stay in the account for at least 12 months to see if it must be paid back. She also recommends calling the Lender that issued the check in the first place to see what that check is for. We move to the second part of the segment where Debbie brings in Loan Officer Cindy Russon to discuss Accessory Dwelling Units (ADUs). Cindy talks about “Junior” Accessory Dwelling Units and the benefits of those along with normal ADUs (a separate structure from the home). Debbie expands on the details of an ADU by discussing its required square footage in relation to the structure of the main house. They get into HOAs and the rules and regulations (mainly in California) on how ADUs can now be used efficiently due to the restrictions being lifted. Debbie says that the process for getting ADUs in place would most likely be a Cash-Out Refinance to build the ADU, and then a second refinance (after the ADU is built) with a better interest rate on your home since it will now be worth more due to the ADU. Debbie says that Cash Out Refinance-Loans are better than Renovation Loans because the homeowner is 100% in charge of how that money is spent, especially if the homeowner has sources for building a proper structure for the ADU. Debbie and Cindy both say that the best way to start this process is to connect with them today! Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Wednesday, December 8th, 2021
On today’s segment, Debbie and Heather discuss important trending topics in the Mortgage and Lending industry. At the top of the show, Debbie mentions how the format of the show will be changing a bit, including more of her team coming onto the show. She will be hosting 3 live stream's per week on YouTube, Monday, Tuesday, and Wednesday. Rather than one, one hour stream per week, they will be shorter 20 minute or less segments. This should provide easier to watch content, and additional days available for live interaction to accommodate your schedules.
The Mortgage Mom Radio team is available seven days a week for appointments. If you call, 844-935-3634, the call service will schedule your appointment even after hours.
Heather and Debbie discuss trending economic “Holiday Season” topics. One of the main topics they focus on is the “Buy Now Pay Later” trend i.e. Klarna and Afterpay. They explain the details of how those services work and how important it is to know what you are getting into when using them.
They go on to talk about how refinancing your home (pulling cash out) could benefit you to pay off those high interest rate credit cards, medical debts, student loans, as well as the buy now pay later agreements. Heather brings up a great example of how you can bring your credit card balances to $0, save money on your monthly cash flow, while paying down your loan quicker by adding additional money to your payment.
Debbie explains that reviewing a Blended Rate Calculation with all debts that you own will prove that sometimes paying off the debt and refinancing into a higher rate may make sense. The math does not lie, so why not see the calculation to determine if it is right for you? Book your free phone consultation today on MortgageMomRadio.com!
Debbie says that EVERYONE should be trying to buy a home right now, especially with inflation on the rise.
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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 or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Wednesday, December 1st, 2021
On today’s show, Debbie and Heidi reflect on their uneventful yet very relaxing long-needed weekend.
They then jump right into the trending hot topics of the Mortgage and Real-Estate Industry. Debbie makes a big announcement of the “new” changes on Loan Limits in the states/counties that her radio show is airing in. Those are:
San Antonio, Texas (Bexar County) - $647,200.00 Los Angeles, California (LA County) - $970,800.00 Savannah, Georgia (entire state) - $647,200.00 Arizona (entire state) - $647,200.00 Seattle, Washington (King County) - $891,250.00 Nevada (entire state) - $647,200.00
Debbie explains how these loan limits make it more feasible for buyers to put less down when purchasing a home.
Debbie goes onto explain the difference between FHA Loans and Conventional Loans along with the benefits that each type of loan provides.
They take a great question regarding an Insurance Binder and how that works in the industry.
Debbie and Heidi continue answering listeners questions throughout the hour!
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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 or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Wednesday, November 10th, 2021
Today’s show brought on quite a few viewer questions. We answered questions regarding the topics listed below:
Land Loans AKA Lot Loans and Construction Loans Occupancy Refinancing to purchase another home Refinancing to remove mortgage insurance Will property values appreciate in 2022 “The Great Migration” from big cities to small towns Hourly income vs Salary Loss of work due Covid and how it will affect you loan qualifications
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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 or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, ID - MLO 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Wednesday, November 3rd, 2021 – Buying your home with Crypto Assets
“Can you use your Bitcoin for down payment or for reserves?” Debbie answers this question by saying, “Yes, maybe.” Sourcing the funds is the hardest piece for Crypto, not the asset itself. Mortgage loans require a paper trail and that’s where things get difficult. Debbie mentions how it’s hard to show a transaction history, when the money sits in a virtual “wallet.”
Debbie and Heather discuss Robin Hood accounts and how those accounts have the capability of showing sourced assets if used properly. They go on to talk about Coinbase, Webull, BlockFi, Gemini and how to use those money exchanges efficiently to make a concise paper trail.
Debbie proclaims that Crypto will not be going away anytime soon, and that it will indeed get bigger and bigger. Debbie believes that Crypto will be the “way of the future” very soon. This brings her into the subject of Jumbo Loans and how those specific loans do not work with Crypto quite yet. Debbie’s solution for this is to get that Crypto money into an actual bank account so that money can “season.” Debbie and Heather go into details on how that all works.
Connecting with Mortgage Mom Radio is the first step into coming up with a proper game plan, call our office, send us an e-mail, go to our website, or use the Mortgage Mom Phone App! We are open 7 days a week for a free consultation, get yourself connected today!
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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 or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, ID - MLO 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Wednesday, November 17th, 2021
Homeowners Associations! The good, the bad, and the ugly :-)
Debbie and Heidi had fantastic audience questions this week that ranged in topic from buying a second home to obtaining an appraisal waiver for your loan application.
They also jumped into Homeowners Associations and what they feel are the positives and negatives of living in a subdivision with an HOA. Even the Mortgage Mom can get in trouble if the rules aren’t followed!
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
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 or call in and you will be patched through to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, ID - MLO 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926
November 2, 2021
Our show this week was fantastic! Carrie Margulies, Mortgage Educator and Loan Officer with Mortgage Mom Radio, and Mom (Debbie Marcoux) spent the entire hour answering questions from our listeners.
We receive questions by email, live chat, website, and phone. We absolutely love it when you get interactive. Our best shows are those with tons of questions. Please submit your question to not only get the answers that you are looking for, but to help answer the same questions for someone else who might be too shy to put it out there!
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
Get your free consultation today, click to BOOK NOW
We are LIVE on YOUTUBE every Wednesday. Interact with us LIVE while we record! Ask us your questions right in the comments or call in and you will be patched through right to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, ID - MLO 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Wednesday, October 27th, 2021 –
Do you have MORTGAGE INSURANCE? Have you thought about how you get rid of it? You might have mortgage insurance if you have a conventional loan, and you certainly have mortgage insurance if you have an FHA loan.
If you bought your home anytime before April 2021 and you have not investigated refinancing your loan to remove it, now is the time to call or book an appointment on our website!
Property values are up, and rates are still very low, refinancing your home now could save you thousands of dollars. Don’t sit around and wait for your home value to drop or interest rates to go up. You may find that waiting takes away the opportunity that you could cash in on now.
Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
Get your free consultation today, click to BOOK NOW
We are LIVE on YOUTUBE every Wednesday. Interact with us LIVE while we record! Ask us your questions right in the comments or call in and you will be patched through right to the studio. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, ID - MLO 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Wednesday, October 13th, 2021
This week, Debbie brings in Loan Officer Larry Ehrlich aka “Mortgage Dad,” to talk about the current climate of Mortgage and Real-Estate. Below are the topics that they hit on in this episode:
Debbie starts off the show by urging her audience to check out her YouTube videos which contains free information, especially with the latest video/segment of the Home Buying Workshop. Debbie and Larry discuss Loan Limits and guidelines constantly changing. Debbie says that the “word on the street” is that there will be the biggest jump in Loan Limits in the past 50 years. If that’s the case, Larry believes this will help first time buyers and people that want to refinance. They discuss the details of how this can help and or effect homeowners in high-cost areas, especially in California. They go on to talk about how Conventional Loans and Conforming Loans are more advantageous than Jumbo Loans, especially when people want to pull cash out for renovations, school for college, etc. Debbie suggests for clients to call in and schedule an appointment with her team, so they get the application going for the purpose of “being prepared.” In that way, when the Loan Limits come out, then all they must do is hit the submit button and the higher limit will be locked. They go on to talk about Appraisals and how the market is shifting. Debbie says that the most educational advice she can give at this time in relation to appraisals and the market is “DO NOT remove your appraisal contingency” for various reasons. Larry goes on to give examples on why. Larry says, “Get your application in right away, because it is never too early just to start.” Debbie and Larry both say that the value of your property right now is the highest it has ever been, therefore pulling cash out right now would be the best time to do so.
Check out the new Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
Clients and audience members must text the word “mom” to the phone number 844-935-3634 (We Lend 4 You) to get updates and links. So do that TODAY!
How do you schedule a phone consultation with mom? BOOK NOW Get your free consultation today!
We are LIVE on YOUTUBE every Wednesday. Watch us record our show! Ask us your questions right in the feed or call in and we will answer them for you LIVE. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, ID - MLO 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Wednesday, October 6th, 2021
Debbie brings in Loan Officer and Real-Estate Veteran Heather Barkley-Kilpatrick to talk everything Mortgage and Real-Estate.
Debbie starts off the show by giving a shout out to all her new radio markets: San Antonio, Savanna, Lake Havasu, and Las Vegas. Debbie and Heather bring up the subject of what it’s like to “stage” a house so it’s ready to be sold, especially because Debbie is currently in the middle of selling her home. Debbie talks about her fear of putting her house up for sale before finding another home to buy. Heather and Debbie explain in depth the pros and cons of contingency. Heather suggests for sellers to put their home on the market so they can at least see the kind of offers that can come in, which can give the seller an idea of what kind of equity they are looking at having to purchase another home. Heather explains what closing concurrently is in relation to buying and selling a home. Debbie reminds everyone that interest rates are going to rise, so it’s best to call in and get a plan going immediately so there aren’t any regrets. Debbie goes on to say that “It’s not a question of “IF” interest rates are going to rise, it’s a question of when.” Debbie and Heather then answer questions live from audience members with very informative answers. They say that the best thing to do is to connect with them through the Mortgage Mom App, e-mail or to just call in. They are here to help you every step of the way!
Check out the new Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
Clients and audience members must text the word “mom” to the phone number 844-935-3634 (We Lend 4 You) to get updates and links. So do that TODAY!
How do you schedule a phone consultation with mom? BOOK NOW Get your free consultation today!
We are LIVE on YOUTUBE every Wednesday. Watch us record our show! Ask us your questions right in the feed or call in and we will answer them for you LIVE. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, ID - MLO 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Wednesday, September 29th, 2021
On today’s show, Debbie brings in Team Members, Larry Ehrlich aka “The Mortgage Dad,” Cindy Russon, and Heather Barkley-Kilpatrick, to talk about the infamous question, should buy now or wait?
Larry points out that the rates are for sure going to rise according to the Feds. He also suggests that people should investigate buying if they are renting at this time.
Debbie then explains what “tapering” means in the world of finance while Larry explains inflation in relation to rates.
Heather jumps in and discusses her calculations with lower interest rates vs. higher interest rates and what that means to your bottom-line sales price.
Cindy and Heather talk about the housing crisis and how there is a housing shortage, especially in California. Debbie doesn’t think people should “wait” to buy. If there is an opportunity to get a home, “do it” she says, especially because of the U.S. being 5 million homes short.
The team discusses the topics of forbearances, foreclosures, and evictions. Debbie gives highly educational viewpoints and scenarios on what could happen to homeowners if they try to refinance down the road when interest rates are higher, especially if they were in forbearance.
With her real-estate background, Heather focuses on the details of how forbearance can force homeowners into selling or foreclosing. She goes on to say that a short sale is always better than a foreclosure.
Larry and the team say that potential clients should always reach out to Mortgage Mom Radio if they are feeling bleak about their financial situation. They are here to help you no matter what your situation might be.
The whole team agrees that at this point in time, the best investment anyone can make would be in rentals. Debbie says that even if property values drop, rent will not. If anything, rent will increase says Heather.
Check out the new Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
Clients and audience members must text the word “mom” to the phone number 844-935-3634 (We Lend 4 You) in order to get updates and links. So do that TODAY!
How do you schedule a phone consultation with mom? BOOK NOW Get your free consultation today!
We are LIVE on YOUTUBE every Wednesday. Watch us record our show! Ask us your questions right in the feed or call in and we will answer them for you LIVE. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, ID - MLO 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Mortgage Mom Radio Workshop - Understanding your credit score and tips and tricks to increase it.
Check out the new Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
Clients and audience members must text the word “mom” to the phone number 844-935-3634 (We Lend 4 You) in order to get updates and links. So do that TODAY!
How do you schedule a phone consultation with mom? BOOK NOW Get your free consultation today!
We are LIVE on YOUTUBE every Wednesday. Watch us record our show! Ask us your questions right in the feed or call in and we will answer them for you LIVE. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, ID - MLO 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Do you have lien's against the title of your home? If you have a mortgage, you have a lien. There are other liens that could be filed against your home as well and maybe you don't even know! Consider the list below, do any of these sound familiar? if you are looking to refinance, we need to know if any of these things may have happened or could exist. It is very important to discuss everything you owe to everyone that you owe it, even if it might not be on your credit report.
Home Equity Line of Credit SBA loan HERO loan Pace Loan Loan Modification Loan Deferment Down Payment Assistance Back Child Support Back Alimony IRS or State Tax balances
Check out the new Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
Clients and audience members must text the word “mom” to the phone number 844-935-3634 (We Lend 4 You) in order to get updates and links. So do that TODAY!
How do you schedule a phone consultation with mom? BOOK NOW Get your free consultation today!
We are LIVE on YOUTUBE every Wednesday. Watch us record our show! Ask us your questions right in the feed or call in and we will answer them for you LIVE. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, ID - MLO 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Wednesday, September 8th, 2021
RE: Locking in your interest rate - Can you still make changes?
Debbie's co-host today is, mortgage educator and loan officer, Larry Ehrlich, or more lovingly referred to at the company as, our mortgage dad :-)
At the top of the show they discuss the incredibly hot weather in Valencia, Debbie’s new pink boat and other fun topics like “pumpkin spice weather.”
Debbie tells her audience that her team is a “One Stop Shop” and are here to help seven days a week. The team is very reachable. Quoting Debbie, "All you have to do is reach out, no matter what state you are in!” If you are looking to buy, sell, refinance, or all three, they can get you moved forward in the right direction.
Debbie and Larry jump into Mortgage after their quick catch up and begin to discuss the dynamics of locking in your interest rate. When clients ask about locking in rates, Larry says that rates are always constantly changing and that it’s always a risk as to whether it will be decent one day but better the next, and vice versa.
Diving deeper, interest rates are based upon the client’s FICO score and financial history says Debbie. She also says that the applications need to be filled out completely in order to get an accurate interest rate, especially when it comes to your debt to income ratio. Larry says that once you are locked into a rate you are locked in! If the rates get worse during your lock period, you are still locked in. Or if the rates get better, you are locked in! So it can go both ways. The market is very volatile says Larry.
Debbie mentions that in order to keep the locked in “agreed upon” rate, the client must be ready within that rate lock period, typically 30 days. If you are not ready to close within your rate lock term, an extension fee will be incurred. We want to avoid that if at all possible. How do you make sure that you do not get hit with that rate lock extension fee? Be responsive and get in all of your documentation as fast as possible upon request.
Debbie discusses the rate lock being tied to the day that it was requested, not your loan amount or loan program or term. All of those things can be changed along the way but your interest rate is tied to the rate sheet and what was available on the rate sheet issued when the lock was originally requested.
Larry's opinion, "If clients are happy with their rate, lock it, especially because rates are on an upward trend at this time within the market."
The Mortgage Mom team is here every step of the way to help their clients through the application process. Debbie says, “Use the Mortgage Mom Radio App, send us an e-mail or just call in! Getting a free phone consultation is your first step in this process!” The whole goal of Mortgage Mom Radio is to create a game plan for our clients and to educate them. It is the very best way to see your goal past the finish line.
How do you schedule a phone consultation with mom? BOOK NOW Get your free consultation today!
We are LIVE on YOUTUBE every Wednesday. Watch us record our show! Want to be interactive with us live during the show? Or, want to download our phone app? Text "MOM" to 844-935-3634 to receive a weekly link to join. You will also receive the link to download the app.
Thinking of buying your first home and you have no idea where to start? Watch our HOMEBUYER WORKSHOP SERIES on YouTube!
We would love your support help Mortgage Mom Radio continue to bring you free education weekly. Buy a shirt, a beer mug, or beach bag. Check out our T'Shirts and More Store!
Debbie Marcoux is licensed by the Department of Financial Innovations 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
Wednesday, August 25th, 2021
What happened on today's show?
At the top of the show, Debbie and Heidi go into their segment, "Catching Up With Mom" where they reflect on their weekends. Heidi talks about Las Vegas and Debbie talks about Lake Havasu. Debbie pleads for her audience to contact her if they have any "mom" remedies to cure car sickness for children.
Debbie reminds her listeners that her team is open for business 7 days a week for phone appointments.
She is also excited to talk about the Mortgage Mom Radio Phone App is highly efficient and a great way to get things started. You can do EVERYTHING through that App. Heidi drills down on her favorite features of the App, especially the mortgage calculator. Heidi also gives great examples on how to use that calculator with various mortgage and lending-related scenarios, including mortgage insurance calculations. The efficiency of this App is awesome and it helps with giving a very realistic estimate for their clients.
Debbie and Heidi go on to discuss bonus income: Retention bonuses, guaranteed bonuses and sign-on bonuses.
Check out the new Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW
Clients and audience members must text the word “mom” to the phone number 844-935-3634 (We Lend 4 You) in order to get updates and links. So do that TODAY!
How do you schedule a phone consultation with mom? BOOK NOW Get your free consultation today!
We are LIVE on YOUTUBE every Wednesday. Watch us record our show! Ask us your questions right in the feed or call in and we will answer them for you LIVE. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, ID - MLO 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926
This is the last piece of the Homebuyer Workshop Series 2021. If you are looking for education on buying a home and have no idea where to start, go to our 2021 Workshop Series on YouTube. The link is below for you to find it easily. Start at the beginning and binge them all of the way through. You'll be ready to call us and make an appointment by the time you finish!
How do you schedule a phone consultation with mom? BOOK NOW Get your free consultation today!
We are LIVE on YOUTUBE every Wednesday. Watch us record our show! Ask us your questions right in the feed or call in and we will answer them for you LIVE. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Innovations 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
Wednesday, August 11th, 2021 Tons of great questions from today’s show, both through YouTube comments and phone calls! Here is a brief rundown from the show this week.
A caller asks Debbie why she decided to create Mortgage Mom Radio? Debbie answers and talks with Heidi about their friendship and how she twisted her arm to be on air.
Debbie and Heidi then take a call LIVE on air with an audience member with some important questions. The caller asks about a rate quote she received from another lender that sounded too good to be true. Debbie and Heidi are there to answer everything in detail, hence giving the caller great direction. After analyzing this call, Debbie points out the ongoing trend of solicitation when it comes to loan opportunities from other lenders. She urges her audience to ALWAYS call in or go to the website and make an appointment with the MMR Team. It’s the best way for clients and audience members to receive the correct information and make the best decisions for themselves with knowledge.
Debbie and Heidi answer more questions LIVE and through social media. The question they always get is: “When is it a good time to buy?” They both agree that it’s always a good time to buy, but not always a good time to sell. Heidi says that right now rates are still low and it’s always better to own something than to rent, especially because rental costs are “insane in every state!” Debbie drills down on the benefit of owning a home versus renting a home when it comes to tax write offs and other long-term benefits. They go on to talk property types, loan to values, credit scores, debt to income ratios and how all these elements affect people differently depending on their background and financial status. “Every situation is different, so call in today!” They say!
Debbie talks about the benefits of the MMR phone App and the new “official” Mortgage Mom Radio Store where you can purchase beer stein/mugs, wine glasses and tumblers. They've got beach bags, hats, T-shirts and more!
Debbie reminds her listeners that she is NOT affiliated with Movement Mortgage and that they have been trying to solicit her previous clients by claiming to be working with her and her team. This is clearly a blatant misrepresentation because the solicitors are using Debbie’s name. VERY IMPORTANT: Reach out and contact Mortgage Mom directly, ALWAYS and for everything, even if you get an e-mail saying it’s from Debbie!
Debbie and Heidi move on to talk about VA Cash Out Loans and how 90% financing is the norm right now even though 100% can be available for these types of loans. They take a deep dive on how to get to that 100%. The bottom line, 100% is available and you can obtain the cash you are looking for if you are a veteran. If you have been told that you are limited to 90% then call our team.
Debbie then clarifies that questions from clients and audience members NEED to be sent through e-mail and NOT through TEXT. Clients and audience members must text the word “MOM” to the phone number 844-935-3634 (WE LEND 4 U) to get the phone app and links to watch each live show.
Debbie also announces that her team will be moving back into office space this week, which they are very excited about.
How do you schedule a phone consultation with mom? BOOK NOW Get your free consultation today!
We are LIVE on YOUTUBE every Wednesday. Watch us record our show! Ask us your questions right in the feed or call in and we will answer them for you LIVE. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgag...
Wednesday, August 4th, 2021
On today’s show, Debbie brings in Team Member and Loan Assistant Heidi Slagle-Points to talk Lending, Mortgage, and Divorce. Although Heidi is “under the weather” on this segment, she pushes through and makes out like a champ while simultaneously sharing great information! Debbie also announces that her sound man, Drewin Young, is finally working on a new jingle for the Mortgage Mom Radio phone number and hoping to have it ready within the next few weeks.
As usual the girls go into their segment labeled “Catching Up with Mom” and proceed to morph the conversation into the ongoing trend of the Great Migration from California to other states that are less expensive. Debbie explains to her audience to always do their research on all aspects of other states (before making that final decision to leave their current state) when it comes to property taxes, groceries and even gardening. Heidi then adds on by pointing out that her internet is significantly more expensive living in Arizona compared to California.
They move into the hot and difficult topic of divorce where they set up various informative scenarios that deal with buying new homes while in the middle of the separation prior to the finalized divorce proceedings. They drill down on subjects of community property states versus non-community property states, joint accounts, alimony and child support and how to strategically work with these elements and how to properly use them to a client’s benefit.
How do you schedule a phone consultation with mom? BOOK NOW Get your free consultation today!
We are LIVE on YOUTUBE every Wednesday. Watch us record our show! Ask us your questions right in the feed or call in and we will answer them for you LIVE. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Innovations 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
Wednesday, July 28th, 2021 Our show is interactive and educational based on Debbie Marcoux, The Mortgage Mom, and her team’s opinions of the business. They are NOT financial advisors!
What did we talk about during this week’s show?
“Catching Up with Mom.” Debbie reflects on her trip to Lake Havasu last weekend, while Heidi talks about the fascination, she was with the monsoons outside of her home.
Debbie is also excited to announce the official Mortgage Mom Radio online store (now available) where you can purchase MMR merchandise through their website. STORE/T-SHIRTS & MORE
Debbie takes a great question from a caller who is in the movie industry and who is also a veteran looking to buy his first home. The caller asks about just starting a new job and his Debt-to-Income Ratio. How does that all work? Debbie gives great educational direction, and the caller has an “Aha moment.” This brings up the point that every situation and circumstance is different based upon the various backgrounds of potential clients. So therefore, it is important for anyone listening that is considering getting a loan or Refi should be calling in for a consultation.
Debbie moves onto the subject of DSCR or Debt Service programs for investors where the property qualifies on its own for the financing, not the borrower’s income.
Heidi then takes on bank statement loan programs for self-employed borrowers.
Next week, they will be talking about Divorce. What you need to know if you are trying to buy a new home or refinance your current home but the divorce is not final yet.
How do you schedule a phone consultation with mom? BOOK NOW Get your free consultation today!
We are LIVE on YOUTUBE every Wednesday. Watch us record our show! Ask us your questions right in the feed or call in and we will answer them for you LIVE. Text "MOM" to 844-935-3634 for a weekly link to join when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, ID - MLO 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Wednesday, July 21st, 2021 What is going on in this week's show?
Debbie Marcoux, the Mortgage Mom, brings in Co-Host, Heidi Slagle-Points, to talk Lending and Mortgage. They start off the show with their segment “Catching Up with Mom” where they both reflect on their weekends. Debbie asks her sound editor, Drewin Young, to write another jingle for her toll-free number.
Debbie gives a shot out to Seattle, WA and Las Vegas, NV since she is now on radio stations in those states.
She offers to interview, both on camera and on radio, any previous client willing to talk about their experience with her company. What better way to get the word out then real testimonials! YOU too can be on the show, just give Mortgage Mom Radio a call!
Since the show is interactive, the questions asked by listeners this week were as follows:
How often do I need to update documents and have my credit re-run to keep my Pre-Approval active? I would like to buy a second home in Las Vegas, can you refer me to a new agent? Can I put down 3% to buy a second primary residence? Should I take a Home Equity Line of Credit to pull out cash from my free and clear home to purchase an investment property?
Debbie will take your questions “live” during the show. Text "MOM" to 844-935-3634 to receive the link to get in each week. You must call in during that hour while they are streaming live if you would like to be part of the show.
Debbie and Heidi talk current interest rates and Pace Hero Loans (loans for energy efficient improvements). Heidi drills down on this subject of Pace Hero Loans and expands on the benefits of refinancing them to lower monthly payments and monthly property taxes. Debbie then gets very detailed on how this Pace Hero Loan process works by giving different types of scenarios.
We are LIVE on YOUTUBE every Wednesday. Watch us record our show! Ask us your questions right in the feed or call in and we will answer them for you LIVE. Make sure to SUBSCRIBE to our channel and turn on your notifications to know when we get started. Or text "MOM" to 844-935-3634 for a weekly reminder link when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
How do you schedule a phone consultation with mom? BOOK NOW Get your free consultation today!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, ID - MLO 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Wednesday, July 14th, 2021 - On today’s segment, Debbie brings in Loan Officer and Real-Estate Agent Heather Barkley-Kilpatrick to discuss important topics. They start off the show by answering comments and questions “live.” Debbie states that her show is FREE and that the goal of her show is to get her audience and clients educated on the Mortgage & Loan industry.
Debbie also makes an important announcement that her company is NOT affiliated with Movement Mortgage any longer for they are now with JMJ Financial. To avoid confusion and solicitation, Debbie asks that her audience members and clients should always contact her directly.
They talk about Bank Statement Loans and how beneficial that program can be for people that are self-employed.
Debbie explains a recent incident they had with a client after all the leg work had been done on the client’s loan. The story goes: The house the client was trying to buy was in complete shambles, but nobody knew that until the loan was on the verge of getting processed. Unfortunately, the client neglected to bring up the condition of the house. This situation can tie the hands of the lender. This incident also brings up the subject of Renovation Loans and how important it is for clients to always be upfront with their buying plans. Debbie claims that even if the house needs minimal remodeling, this needs to be disclosed to the lender. Debbie and her team will always lead her clients down the proper path if the clients are upfront and honest about their situation.
Debbie and Heather say that it is always a good time to buy, especially if you are buying a home to live in it. Real-estate is for the long term.
We are LIVE on YOUTUBE every Wednesday. Watch us record our show! Ask us your questions right in the feed or call in and we will answer them for you LIVE. Make sure to SUBSCRIBE to our channel and turn on your notifications to know when we get started. Or text "MOM" to 844-935-3634 for a weekly reminder link when we get started.
Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube!
How do you schedule a phone consultation with mom? BOOK NOW Get your free consultation today!
Debbie Marcoux is licensed by the Department of Financial Institutions under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, ID - MLO 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926
Wednesday, July 7th, 2021 - On today’s show, Debbie brings in Team Member and Loan Assistant Heidi Slagle-Points once again to talk about the Mortgage/Lending industry. They start off the show with their segment “Catching Up With Mom” where they both reflect on their 4th of July weekend . Heidi then asks the audience and future buyers to not pay off their debt if it’s already being included on their loan. This will substantially delay the process due to the tremendous amount of extra paperwork, etc.. This was the first week that Debbie took live calls with questions during the YouTube Live Stream. How do you call us with your questions and get to hear yourself on radio? Text "MOM" to 844-935-3634 to opt in for a reminder text message each week with the link to click when we go live. Here are some of the topics that came up during our live question and answer session this week:
Appraisals - Getting them ordered Turn-around time on applications - How fast can we close? Mortgage insurance (M.I.) Refinancing for cash out to buy an investment property “Intent to Proceed” document. The faster and more efficient the clients are with their documents, the quicker the turn-around time for appraisals and underwriting They compare FHA Loans versus V.A. Loans and how V.A. Loans are always better to use if you are eligible and your down payment is limited V.A. Loans cannot be used for investment properties, only primary residences Heidi drills down on the benefits of doing a V.A. Cash-Out refinance Debbie explains what a Mixed Use Property is She also talks with an audience member about their forbearance situation. Heidi chimes in with the benefit of a deferment package
We are LIVE on YouTube every Wednesday . Watch us record our show! Ask us your questions right in the feed or call in and we'll answer them for you LIVE. Make sure to subscribe to our channel and turn on your notifications to know when we get started. or text "MOM" to 844-935-3634 for a weekly reminder link when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
On today’s show, Debbie brings in Team Member and Loan Officer Carrie Margulies to talk shop. They start the show off with “Catching Up with Mom” where they chat about last Father’s Day weekend, Debbie’s Lake Havasu birthday and the big upcoming fireworks concert in Moorpark/Thousand Oaks on July 3rd. Debbie even offers her audience two free tickets for that concert if they download the Mortgage Mom Radio App. Carrie brings up the ongoing theme of clients having cash for a down-payment but not having proof of where it came from. Debbie and Carrie talk about the importance of depositing cash and letting it “season” in order for it to become usable funds. They drill down on how they can work with those amounts of cash by giving scenarios. This leads them to the subject of “Gift of Equity Purchase.” Carrie expands on this subject by giving a current example of one of her loans and the benefits of “gifting.” Debbie expands even more on that topic when she talks about the “Parent to Child” gifting. They also take great questions on the subject of gifting from their audience. Debbie is determined to get a jingle recorded for her new 800 number along with accepting phone calls “live” for her next show. Rates are still phenomenal according to Debbie and Carrie so pulling cash out and doing a refi is beneficial at this time. They talk Escrow, title insurance, cancelling mortgage insurance, paying off student loans, homeowner’s insurance, investment properties, closing costs and inherence of property taxes. Debbie states that the goal of her show is to educate her audience with the wisdom her team have already acquired through their many combined years of finance. She says that there is no such thing as a dumb question. Reach out today!
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight 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 | Heidi Slagle-Points CA NMLS ID 1666881
On today’s show, Debbie brings in Team Member and Loan Assistant Heidi Slagle-Points to talk shop and other interesting topics. Debbie is excited to finally announce that her 1-800 number is now available, which also accepts texts. They talk about Arizona heat vs. Southern California heat. The conversation leads to how now is the perfect time to get home improvements done. From putting in pools, replacing windows, air conditioning units breaking down, now is a great time to refinance and pull cash out for these repairs because interest rates are still good. They talk credit card debt, lines of credit, blended rates/consolidation, equity loans vs. equity lines and the benefits of canceling mortgage insurance. Debbie and Heidi drill down on FHA’s, modifications, conventional and USDA loans. They educate their audience with details of deferment and forbearances and how it all works. She also tells her audience that disclosing forbearance/deferment history is imperative when talking with her team. The Mortgage Mom Radio Team is there to help you every step of the way! Debbie also talks about the efficiency of her new phone App and how interactive it is for her audience. All you have to do is reach out!
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight 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 | Heidi Slagle-Points CA NMLS ID 1666881
On today’s segment, Debbie brings in real-estate agent and childhood friend Heather Barkley-Kilpatrick to discuss various topics. Debbie also talks with her son (and high-ranking gamer) Mikey about the details of the online gaming world since she is officially sponsoring that part of the industry. Heather chimes in on the subject and points out how lucrative that business has become in recent years while Mikey relates the gaming industry to the world of sports and what the similarities and differences are. This further fuels Debbie’s ongoing determination to one day do a loan with one of these gamers. Debbie expresses on how her show is tailored to bringing education to her listeners and how important that is. She reveals her various referral partners ranging from insurance agents, realtors and home inspectors. Heather drills down on the subject of referral partners with specifics when she talks about bidding, repairs, contractors, roof inspectors, plumbing inspectors and finding a handyman. Debbie takes the opportunity to express how personable and reachable her team is at all times in all home-buying relations. Debbie and Heather then discuss how the rates this week specifically are going up and down and how important it is to get prepared when doing a re-finance or purchasing a home, especially when locking in a rate. They even talk a little bit about Bitcoin and how things that are happening in the world currently do impact the interest rates. Debbie then urges the importance of future home-buyers to be upfront and honest about their credit scores, especially when getting an accurate quote for their loan. She states that going through the credit report with her clients can enhance benefits to these future home-buyers in the long run due to her leveraging talents and years of experience. Debbie gives examples and scenarios of various options she can juggle through with her clients in order to get to a successful decision. Debbie is consistently asking the audience to be interactive on her show, especially because of the potential of bringing up points that can be discussed more in detail. Heather and Debbie reminisce on the 80’s, their childhood experience together and subjects of hairstyles, clothing styles and make-up. Debbie clearly considers her team-members as “family” and the importance of working with them. Both Debbie and Heather jump back on the subject of loans. They talk about paying points for a loan, conventional loans and other scenarios to help further educate the audience. Education for their audience is their goal. Education from Mortgage Mom Radio is free, so “book an appointment and get educated” says Debbie, even if the client may be going through a competitor lender. It doesn’t matter because they are here to help you. Debbie also gives more scenarios on how dropping mortgage insurance will save the client money. Heather also points out how she was able to combine a first and second loan for a client and save them a “ton of money,” including dropping their mortgage insurance. She also says that because of her client calling in with a goal, Heather was able to analyze the goal and give even better options than what the client first embarked on. Debbie discloses to her audience that they can now make appointments on weekends, which is a positive game-changer for her clients. Heather sympathizes with the potential clients that have random schedules, and drills down on Debbie’s point of being open during the weekends. They get on the topic of loan modifications, deferments, forbearances and how Covid enabled these options. Debbie talks about how her team can strategically help with refinancing due to forbearances and deferments. Debbie and Heather bring up three important points: #1 - Hold on to your loan modification paperwork because that is “golden.” #2 - Make an appointment so they can see your situation and help you with it. #3 - Refinancing does NOT show up on your credit report,
Wednesday, June 2nd, 2021 - Debbie opens up today’s show by bringing in seasoned loan officer Larry Ehrlich AKA the Mortgage Dad to explore various topics. They discuss what was first to crash during 2007, 2008 and 2009 with the correlation of investment properties and second homes. They also point out how current investment properties have quite a bit higher of an interest rate compared to primary residence properties due to lenders protecting themselves from future disasters.
Debbie is also determined to do future business with the online gamers out there, especially because she is now officially sponsoring a video game team. Larry gives advice to other loan officers on how important it is to treat their clients like family, especially because of these future clients making the most important choice and investment for their livelihood. Debbie expresses that the goal of her show is to educate loan officers and future buyers. Debbie and Larry both state that walking clients from start to finish is very much an important process, especially when it comes to closing costs, appraisals and home owner’s insurance. Larry talks about how canceling PMI insurance can save buyers a substantial amount of money. Debbie points out that she is licensed in California, Arizona, Washington, Nevada, Idaho, Oregon, Texas, Tennessee, Georgia and Florida. She also talks about how she can help with references for clients in other states she is not licensed in. Debbie briefly talks about the importance of being an actual mortgage licensed bank in comparison to the larger conglomerate banks. She also expresses how working with a smaller team of her own is extremely beneficial, especially with clients having access to all of her team members personally. Larry talks about how setting goals to buying a house is very important. He goes into details of how to save money by sacrificing the little things and how it all adds up. Debbie also drives home that same point with other examples. Debbie talks details on MI’s (mortgage insurance), FHA and conventional loans and how they work, along with great programs like VA and USDA loans.
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week Debbie is joined by returning guest Escrow Officer Jennifer Davidson to continue the 2021 Homebuyers Workshop series by covering what escrow is and important tips to move your loan smoothly through the loan process.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight 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 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week Debbie is joined by returning guest Escrow Officer Jennifer Davidson to continue the 2021 Homebuyers Workshop series by covering what escrow is and important tips to move your loan smoothly through the loan process.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight 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 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week Debbie and Heidi discuss the new Experian Boost feature and explain everything you need to know if you are about to apply or are in the middle of applying for a mortgage.
In This Issue
"It is not in the stars to hold our destiny, but in ourselves." - William Shakespeare
Sell in May and Go Away - When stocks go down, so do rates. 2021 Housing Market Predictions - After dealing with a year of uncertainty in 2020, the housing market looks to hit it big in 2021. Turn an Old Dresser Into a Unique Sink - This simple DIY project can turn an antique into a stunning sink for your bathroom. Q&A: Can You Qualify for a Mortgage Without Credit? - Is it possible to obtain a mortgage, even if you don't have any credit to your name? Knowing what options you have can help you purchase a home.
Please feel free to forward this newsletter to friends, family or co-workers who may find it helpful. What To Watch
Sell in May and Go Away - Explained Each spring, the same phrase pops up for stock investors: "Sell in May and go away." It's important to track, as generally stocks go down, and so do rates. That question is whether or not stock market investors will see “Sell in May and go away” this season. Yahoo Finance tells us that the full axiom was originally, "Sell in May and go away, and come on back on St. Leger's Day.” It has its roots in the city of London. Financial professionals would go on holiday in May for approximately four months to escape the summer heat and return for the St. Leger derby in mid-September. Traders and bankers in the U.S. appropriated the aphorism over the years and condensed it to its current form. The current form is based on the historical tendency for the stock market to produce its best gains between Halloween and May Day (the so-called “winter” months) and to produce well-below-average returns the other six months of the year (the “summer” months). We did not see “Sell in May” last year, as the stock markets were on a big surge higher after the huge losses seen in March due to the shutdowns. But with stocks at record high levels and high market volatility, there is a possibility of a move lower in stock prices after earnings season winds down at the end of the month. Despite never-ending stimulus, which stocks love, they cannot go straight up, and corrections big and small are always healthy and expected. If this were to occur, it could shift some investing dollars from stocks into bonds, which would help to further stabilize or cap the recent rise in mortgage rates that was seen from mid-January until the end of March. If "Sell in May" does not take place this year, do not get too worried. The Federal Reserve continues to try and hold rates at historically low levels and will do so until we see full employment and ideal inflation. Can mortgage rates increase marginally if the economy continues to grow? Yes, that would be normal in an an expanding economy. If the economy is strong, and if the job market continues to rebound, modestly higher rates should not be a deterrent to homeownership. Bottom line: Rates are still historically low, and now is still a great time to either refinance or consider purchasing a home. Source: Mortgage Market Guide
Housing News
2021 Housing Market Predictions The housing market is tricky to predict, especially since 2020 was a year full of unpredictability. Although no one can forecast what will happen with entire certainty, housing trends can give you an idea about what to expect when it comes to buying or selling a home. It should come as no surprise that 2020 saw huge fluctuations in the housing market as the country was hit with massive amounts of unemployment and extensive shelter-in-place orders. However, the housing market saw an uptick in pending home sales and rebounded much faster than other sectors of the eco...
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week Debbie returns from her Mommy Makeover to peel back the curtain a little on the last couple weeks. She then continues on to inform everyone interested in a refinance that you have not missed your window, interest rates are still great for refinancing right now! Debbie and Heidi also go on to discuss loan options most people don't consider and important things to know about filing taxes if you are near closing on a home.
A Look Into the Markets
"Can you take me High Enough?" by Damn Yankees
This past week we watched long-term rates, like mortgages, improve slightly despite a surprising comment from Treasury Secretary, Janey Yellen. Let's break it all down and look at what's on tap for next week.
"It may be that interest rates will have to rise somewhat to make sure that our economy doesn't overheat" - Treasury Secretary, Janet Yellen
Janet Yellen was being interviewed on Zoom when she unleashed this seemingly innocent and likely honest comment. Well, it sent shockwaves across the stock market, pushing the NASDAQ down as much as 400 points on Tuesday alone.
Yellen was once the Fed Chair, and in that former role, it would be her duty to share comments on monetary policy. As Treasury Secretary, it is not her role to discuss rates. Especially, considering the active Fed Chair Jerome Powell saying over and over just days earlier at the Fed Meeting that "now is not the time" to raise rates.
There is big pressure on the Fed to help keep rates low. First and foremost are the upcoming "Plans" being debated in Washington D.C. The American Jobs Plan and American Family Plan are estimated to cost another $4 trillion, on top of the $1 trillion-plus still not spent from the American Rescue Plan. All this spending must be paid for by selling new bonds in the market. What we as a country can't afford now is higher rates as the expense to service all this new debt will be an enormous burden.
Sell in May and Go Away
Stocks, especially the tech-laden NASDAQ, may have used Yellen's comment as a reason to sell – but some of the downward pressure in stocks may be a seasonal phenomenon called "Sell in May and Go Away". The idea is that stocks generally underperform during the summer months when many take vacations, thereby creating lower trading volume, larger price swings and more risk.
As you could imagine, the pain in stocks was a gain for bonds. The 10-year yield declined to 1.56%, down nicely from 1.75% from just a few weeks ago.
If the summer selloff in stocks continues, we may see further improvement in rates.
Opportunity knocks again
With the recent improvement in rates, many more people can still benefit from a refinance and it will certainly help drive the purchase market. However – any rate improvement could be short-lived – here's three reasons why locking at today's rates may make sense:
Treasury Secretary Janey Yellen's comments for higher rates, was honest. Lumber and other commodity prices are soaring – higher rates would cool that off. There is growing pressure on Fed Chair Powell to start "tapering" bond purchases. Again, in response to "frothy" assets like stocks and real estate. We are going to see higher inflation numbers over the next few weeks – what we don't know is how high the numbers will be or how bonds will react. Bonds do not like inflation – it's like kryptonite to Superman...a killer.
Bottom line: Rates have improved of late, but the good times may be relatively short-lived. Those thinking about locking in today's rates should do so.
Looking Ahead
Next week we will get a reading on consumer inflation by way of the Consumer Price Index (CPI). It is forecast to come in above 3% year over year – mainly due to year over year increases in oil and commodities. This will be the first time in 50 years since headline year over year consumer inf...
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week Debbie is joined by newcomer to the Mortgage Mom team, Heather Kilpatrick, to continue the Homebuyer Workshop series by explaining the role of the real estate agent and why it is very important to find the best one for you.
A Look Into the Markets
"Oh yeah" - "Oh Yeah" by Yello ("Ferris Bueller's Day Off") In the absence of any meaningful economic report this past week, we watched bond prices rise while rates inched lower. Oh yeah!!! Let us break down what is going on and look into next week as the boredom ends. The Path of Least Resistance Rates have been steadily improving over the past few weeks as consumer inflation fears have waned. With a nice trend in place and no news to knock bonds down, prices continued their path of least resistance: higher. How high? Mortgage-backed securities, which are where home loan rates are derived, closed at their highest level since March 2nd this past week, and the 10-year yield hovered near 1.55%, also the lowest in nearly two months. FOMC Blackout Period The Federal Open Market Committee (FOMC), which meets eight times per year to discuss economic conditions and determine whether to hike or lower the Fed Fund Rates, can always move the market when they speak or during interviews. However, the FOMC has established a blackout period where FOMC members are to limit their public speaking and interviews. The current period is April 17 through 29th. When Fed members are not talking or sharing their views, the markets can't react to any perceived positive or negative statements. The quiet ends next week when the Fed delivers their Monetary Policy Statement on Wednesday at 2:00 p.m. ET. More on that below. Bonds Regaining Some Shine A couple of interesting trends happened this week which could bode well for rates in the near-to-intermediate term. First, stocks struggled a bit this past week, and when they dropped, rates also declined. This is a typical market reaction, but something we have not seen much of this year during the steady increase in rates. If stocks continue to stumble and we see a seasonal, "Sell in May and go away," reaction, it could leave room for further rate improvement. Second, the 20-year bond auction this past week was well received. This means the buying appetite for Treasury securities was very good despite the recent improvement in rates/yields. If this trend continues, it will help keep long-term rates relatively low. Housing en Fuego March existing-home sales showed the median price rose by an annual record-breaking pace of 17.2%. This scorching rise is due mainly to an anemic 2.1 months of available inventory for sale. Homes sold in 18 days on average, another record low. This is all good news for someone selling a home, but as we know, it is rough for folks purchasing one. With rates ticking back down, vaccinations administered, and economies reopening, we should expect continued strength in housing and hopefully more inventory available for sale. Bottom line: This is an amazing moment to take advantage of the current interest rates as the present improvement in rates could be short lived. Looking Ahead As mentioned, it's Fed Week. The FOMC will deliver its Monetary Policy Statement as well as its outlook on the economy on Wednesday. There is zero chance of a rate hike. And there is likely no chance the Fed mentions "tapering" of any bond purchases; let's hope so. For when the Fed stops buying bonds, rates will move higher in a hurry. We will also get some high-impact reports like Gross Domestic Product and the Fed's favored gauge of inflation, the Core Personal Consumption Index (PCE). Moreover, there will be a ton of corporate earnings, which could impact both stocks and bonds/rates.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed,
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week we continue the Homebuyer Workshop series by covering the details of the Bank Statement loan program and more!
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight 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 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week we continue the Homebuyer Workshop series by covering the details of the Bank Statement loan program and more!
In this Issue
"There is nothing I would not do for those who are really my friends. I have no notion of loving people by halves, it is not my nature." - Jane Austen
As home prices continue to rise, those with their heart set on homeownership might seek non-traditional ways of climbing the property ladder. In this issue, we'll cover these ideas as well as the following:
What to Watch - After weeks of lower bond prices and higher yields, the cure for higher rates may be higher rates, as the uptick in yield could be luring in buyers. Rent-to-Own Properties on the Rise - The popularity of rent-to-own properties has increased recently, but it remains a risky option for many homebuyers looking to purchase their home. Ways to Hang Plants Outdoors - You don't need a green thumb to hang plants outside as long as you have a few household items. Q&A: What Type of Market Is It? - How do you know if it's a buyer's or seller's market? Knowing which one it is can help you determine if you should buy, sell, or hold on to your property.
What to Watch Where Are Rates Headed? After weeks of lower bond prices and higher yields, the cure for higher rates may be higher rates as the uptick in yield could be luring in buyers. Reports now read that Japan may become a net buyer of U.S. Treasury securities after being a net seller for quite some time. One of the continued tailwinds for relatively low rates here in the U.S. is the ridiculously low rates around the globe. Also on the radar in the weeks and months ahead could be the continued rise in the U.S. stock markets. The possibility of the bullish sentiment for stocks may be fueled by new stimulus on the way as states continue to reopen fully and if rates stabilize. The U.S. economy could be on track for a breakout year. The Atlanta Fed is forecasting a whopping 8.3% gain in Q1 2021 Gross Domestic Product! So what does this mean for mortgage rates? If we continue to see some stabilization in yields, we may see some modest improvement in rates. At the same time, we should expect a continued rise in rates as the economy improves. The Federal Reserve has said as much in the past few weeks. Sam Khater, Freddie Mac's Chief Economist, said, "While purchase activity remains high, it has cooled off over the last few weeks and is currently on par with early March 2020, prior to the pandemic. However, the rise in mortgage rates over the next couple of months is likely to be more muted in comparison to the last few weeks, and we expect a strong spring sales season." Bottom line: Home borrowing costs remain historically low, and now is a good time to get off the fence and jump into home ownership. Source: Mortgage Market Guide Housing News Rent-to-Own Properties on the Rise The demand for these types of properties has increased recently. While opting for a rent-to-own property looks good on paper, since you don't need to plunk down a huge down payment, it comes with its own risks. One major risk is that unlike the typical buying or rental process, the rent-to-own doesn't have a standard contract as the terms are completely negotiable. This is known as the lease option, and both sides must agree to certain terms. With a rent-to-own home, you agree to rent a home for a specific time with the understanding that you gain ownership of the home. The timeframe can last from several months to several years. Another downside is that you will probably pay higher prices than if you were to rent. But if you think about it, a portion of your monthly payment is going toward the down payment on the home. You can use the accrued money to purchase the home at the end of your agreement. The money is typically non-refundable,
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week we continue the Homebuyer Workshop series by covering the details of the USDA loan program. We also discuss fluctuating interest rates, appraisal waivers, and the availability of homes right now.
A Look Into the Markets This past week we watched long-term interest rates improve nicely from the highest levels in over a year. The recent chatter about higher inflation has cooled down and allowed other themes to come in and influence stocks and interest rates, and it was mostly negative and bond-friendly. Let us break down what happened. "Cause I'm the taxman, yeah, I'm the taxman" - "Taxman," by The Beatles Bonds and rates love bad news and slower economic conditions, so when the talk of "largest tax increase in decades" went across the wires this week, stocks and rates moved lower with the 10-year Note yield dropping to 1.59% from 1.75% just days earlier. It's far from clear what and who will be taxed, but what is clear is that corporate tax rates are going up, and that has a negative effect on stocks - hence the pullback. Taxes, whether you love them or hate them, hamper economic growth and weigh on consumer demand, which lowers inflation pressures: another positive for rates. "Vaccination is a national priority" - French President Emmanuel Macron Another big negative and uncertain event has been the sharp rise in COVID cases throughout Europe. The main cause of the spike appears to be a slow vaccination rollout. Fresh lockdowns throughout the region could cause economic harm and elevate uncertainty, which again may cause stocks and rates to move lower. The Buck Is Strong Despite enormous spending by the U.S. government and much more on the way, the U.S. dollar has strengthened against other global currencies, touching the highest level since November 2020. Why does this matter? Many commodities, like oil, are priced in U.S. dollars, so as the dollar gets stronger, it has put downward pressure on the price of a barrel of oil. This has an effect of lowering inflation pressures, because so many products are made of oil. A strong dollar also makes our imports cheaper, which also lowers inflation pressures which bonds and rates love. Bottom line: Rates have improved week-over-week and the trend may very well continue. However, like we experienced several weeks ago, any further rate improvement may be modest and short-lived. As economies reopen, we should expect rates to continue to increase further over time. So, if you or someone you know would like to talk about this incredible opportunity, please contact me. Looking Ahead There are many high-impact economic reports next week, including the ADP report and Friday's Jobs Report. One of the Fed's mandates is to promote maximum employment. As we get closer to that goal, that is when the Fed will lower its bond purchases and hike rates. We are nowhere near full employment at the moment.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926,
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week we broadcast from our new Mortgage Mom Radio studio and discuss the new application form used by all mortgage lenders, forbearance and what to do before pursuing a refinance, and tips you can use to help make the mortgage process smoother and easier for everyone.
And, as always, we answer your questions submitted in the comment feeds on YouTube, Facebook, and Twitch!
Tickets for the Walking Phoenix’s virtual concert benefiting the Pacific Mesothelioma Center can be found here: https://walkingphoenixes.veeps.com/stream/schedule Find Drew’s music at https://irishcowgirlmusic.com/
Rates Hit Historically Low Levels Interest rates hit historically low levels last year due to the pandemic outbreak and the worst quarterly decline in economic growth ever. Those rates have helped millions of homeowners to refinance and save significant money on interest expense. On the purchase side, along with several other tailwinds, low rates have fueled a bonanza in housing. Fortunately, we are closer to getting past the pandemic as vaccines are now seeing widespread distribution. This, along with enormous stimulus measures, pent-up consumer demand, and easy monetary policy, tells us the good times of ultra-low rates may have come to an end. To back up this claim, a Freddie Mac spokesperson said, "New COVID-19 cases are receding, which is encouraging and that has led to a rise in Treasury rates." Translation: Higher rates may be ahead, but not so fast. The Federal Reserve has played a pivotal role in keeping rates relatively low by purchasing $120 billion worth of Treasurys and mortgage-backed-securities per month. But despite those efforts, rates have crept steadily higher in the past month with the 10-year yield moving from .50% last August to the current level of 1.15% due in part to an improving economy, along with the aforementioned vaccination distribution and COVID-19 losing its grip. Should rates move too high too quickly, the Fed will likely do more to try and pin down long-term rates, like purchasing even more bonds. But be aware, rates are subject to inflation expectations along with the direction of stocks and bonds and the economic landscape, to name a few. Bottom line: If the economy continues to improve, rates have no other direction but to move higher. Last year this time in a strong economy, the 30-year fixed-rate mortgage was 3.47% and if rates were to return to those levels, they would still be near all-time record lows. Mortgage Rages are Projected to Stay Low in 2021 While 2020 was definitely a roller coaster of a year, one thing is certain: The real estate market not only met expectations, it actually surpassed them and broke records. As we continue into 2021, people are once again wondering what the housing market will bring. Here are the housing and mortgage projections you want to keep in mind for the coming year. In 2020, 30-year fixed mortgage rates hit record lows, which was one of the main reasons for the thriving real estate market. These rates made homeownership affordable for many people, and eager buyers were ready to take advantage of the savings. Most experts predict mortgage rates will remain low in 2021. As a result, they also predict an increase in home sales. If you're thinking about selling your home, this is good news. Higher demand usually increases home prices, so you'll likely be able to get more for your home. If you plan to buy, you have good news to look forward to as well: Some experts think we'll see an increase in inventory as both new homes from builders and properties from hesitant homeowners who waited out the pandemic hit the market. If you're thinking about buying a new home this year, now is the time to act. Contact your loan officer to learn about the current mortgage rates and plan your next move in this burgeoning market.
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week we continue the Homebuyers Workshop 2021 series by covering the details of the jumbo loan program. And as always, we answer your questions submitted in the comment feeds on YouTube, Facebook, and Twitch!
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight 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 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week we talk about rising interest rates and what this means for your home purchase or refinance.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight 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 | Heidi Slagle-Points CA NMLS ID 1666881
Tickets for the Walking Phoenix's virtual concert can be found here: https://walkingphoenixes.veeps.com/stream/schedule Find Drew's music at https://irishcowgirlmusic.com/
This week we take a break from discussing mortgages and the homebuyer workshop to bring in the voice of the Mortgage Mom jingle, Drew Young of the Walking Phoenixes to speak about his upcoming benefit virtual concert to raise awareness for those suffering from mesothelioma. He speaks about why raising awareness is important to him and what we can do to help.
As an added bonus, you get to hear a live acoustic version of the Mortgage Mom Radio jingle and a sample of a couple songs we will hear in his upcoming virtual concert!
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight 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 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week we continue the Homebuyers Workshop 2021 series by covering the details of the conventional loan program. And as always, we answer your questions submitted in the comment feeds on YouTube, Facebook, and Twitch!
Don't forget to keep watching past the hour mark for another segment of Mortgage Mom After Dark!
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight 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 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week we continue the Homebuyers Workshop 2021 series by covering the details of the FHA loan program including down payments, leniency on things like bankruptcies and foreclosures, debt to income ratios, lower rates and more!
And as always, we answer your questions submitted in the comment feeds on YouTube and Facebook!
A Look Into the Markets This past week, the Federal Reserve held their first meeting of 2021 and shared its thoughts on the economy, inflation, and interest rates.
Below are three important takeaways for the mortgage/housing world and overall economy:
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"In terms of tapering, it's just premature." Fed Chair Jerome Powell, in his press conference, essentially told the world they will continue to purchase $120B worth of Treasurys and mortgage-backed securities for the foreseeable future. This means relatively low mortgage rates throughout 2021.
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"Frankly, we'd welcome higher inflation." The Fed said inflation is not a problem now, and it would like to see higher inflation in the future. This gives the Fed cover to continue its asset purchase program described above for at least this year. However, if the Fed gets what it wants, higher inflation, it will be talking about "tapering" bond purchases and even hiking interest rates. Follow consumer inflation readings going forward, as they will be what the Fed watches to determine the need for future rate hikes and less bond buying.
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"There's nothing more important to the economy right now than people getting vaccinated." All of the stimulus to help revive and stimulate the economy doesn't do much if businesses can't open and people are not out and about. The initial vaccination process had issues, but the process has since ramped up around the country, and there are more vaccines on the way. When you couple all of the stimulus from both the Fed and the government with economies reopening and the American spirit, we should expect strong economic growth later this year. At that time, we may start to see a concern with inflation and a need to "taper" bond purchases, as described above. Bottom line: The Fed continues to support the housing industry by purchasing bonds, until they get what they want: higher inflation. If you or someone you know would like to talk about the incredible opportunity, please contact me.
Looking Ahead
Next week is Jobs Week. On Wednesday, we get a look at private job creation within the ADP Report. Then next Friday, we will see the January Jobs Report which includes the official unemployment rate, the number of jobs created or lost, and hourly earnings, or how much people are paid.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight 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 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week we continue the Homebuyers Workshop 2021 series by covering the details of the VA loan program including requirements and benefits. Afterwards we answer your questions that were left in the comments and stay tuned past the 1 hour mark for some Mortgage Mom After Dark bonus content!
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight 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 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week we continue the Homebuyers Workshop 2021 series by covering the the many benefits along with the responsibilities of homeownership. Afterwards we answer your questions that were left in the comments and stay tuned past the 1 hour mark for bonus content!
A Look Into the Markets "But if you try sometimes, well, you might find, you get what you need" ... You Can't Always Get What You Want -- The Rolling Stones. "Don't Fight the Fed" The Federal Reserve has been very clear on their communications over the past 18 months. They want to see inflation run hotter before even thinking about raising interest rates. And when we say interest rates, the only interest rates the Fed can control are short-term interest rates, by hiking or cutting the Fed Funds Rate. Long-term rates, like mortgages, are driven by the financial markets and inflation expectations. Yes, the Fed is buying bonds to manipulate long-term rates -- more on that below. If inflation is rising, it puts upward pressure on long-term rates, which is exactly what has happened over the last two weeks as inflation expectations rose to the highest level in two years and the 10-year yield spiked to 1.19%, the highest level since last March. The Quandary? More stimulus is on the way. The incoming Biden administration has put forth a plan to spend trillions of dollars to help revive and stimulate the economy, and this is a major reason why inflation expectations, real asset, and commodity prices are rising, thereby causing the spike to be higher in long-term rates. The incoming huge stimulus and rising inflation expectations would normally give the Fed reason to stop buying bonds every month. Remember, the Fed is currently purchasing at least $120B in Treasurys and mortgage-backed securities (MBS) each month to artificially help keep long-term rates relatively low. So, with inflation rising, does the Fed stop buying bonds and let market conditions dictate the real pricing of interest rates? Not any time soon. And while some Fed members were out talking about "tapering" purchases, Fed Chair Powell spoke on Thursday and told the markets they will continue the present bond buying program. This means we may see a continued uptick in inflation expectations, and the Fed may be pressured to do even more, like buy additional bonds to help keep long-term rates low. Bottom line: With only a couple weeks into 2021, we are already seeing a shift towards slightly higher rates. If you or someone you know would like to talk about the incredible opportunity, please contact me. Looking Ahead Next week the economic calendar is light, but corporate earnings season will be in full swing. This means we will hear what corporations are thinking about current and future conditions. If stocks move higher on the notion of better days ahead, rates may follow suit. The opposite is true.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504,
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week we start off the new year by revisiting our Homebuyer Workshop and go over updates and changes for 2021. We start out with Catching Up With Mom, discussing all the fun and excitement over the holiday weeks. We then move on to cover the first installment of the revised Homebuyer Workshop and explain many of the real estate buzz words that are important to know when getting ready to buy a home. Afterwards we answer your questions that were left in the comments and stay tuned past the 1 hour mark for bonus content!
A Look Into the Markets For the week of January 11, 2021 "Inflation is when you pay $15 for a $10 haircut you used to get for $5 when you had hair" - Sam Ewing This past week we watched stocks and rates move higher with the former hitting all-time highs and the 10-year yield crossing above 1.00% for the first time since March. At the same time, mortgage-backed securities (MBS) traded lower, causing home loan rates to tick up just slightly from the lowest levels ever. What was the main driver for these market moves? Inflation. The Georgia Senate runoff ended with one party in power of all three branches of government. The market's knee-jerk reaction is we will see endless stimulus measures, and this has sent inflation expectations to the highest levels in over 2 years!!! The Problem: MBS are the bonds which determine mortgage rates, and inflation is one of the main drivers. If inflation rises, rates rise – period! Fortunately, the daily Fed bond buying has offset some of the selling pressure caused by the rising inflation fears. Looking ahead, if inflation expectations continue to rise, the Fed will be forced to do more to pin down long-term rates, like more bond buying or some sort of yield curve control (YCC). The Opportunity: Millennials made up more than 1/3 of home purchases in 2020. One thing they have no experience with is inflation. The last time we had serious inflation, many of them were not even born. It is an opportunity for mortgage and housing professionals to educate them on the problem above and the screaming opportunity. In an era of higher inflation, you want to own real assets, like real estate which is a wonderful hedge against higher inflation. Moreover, when inflation rises, wages rise. So millennials today can lock in an "artificially" low mortgage rate thanks to the Fed bond buying, and more easily pay down that mortgage over time with ever increasing wages seen in an inflationary environment. Bottom line: This past week we may be seeing a shift towards slightly higher rates in 2021. If you or someone you know would like to talk about the incredible opportunity, please contact me. Looking Ahead Things have changed. Economic reports will take a bit of a back seat as the never-ending stimulus from the government and Fed will be the big drivers. If reports are good or bad, it may not matter as much because a tidal wave of new stimulus is coming. Consumer inflation has not been a problem up until now, and next week we will get some readings that could be market movers.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips?
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week is the last show of 2020 and we bring on Heidi, Carrie, Matthew, and Manny to take a look back at the ups and downs of the 2020 mortgage roller coaster. We share some memories and stories of the difficulties of life in these unprecedented times all while answering your questions in the comments throughout the show.
Thank you for being a listener and enjoy the holidays over the next couple weeks! Stay safe and we'll see you in 2021!
This Week's Look Into the Markets: "The ongoing public health crisis will continue to weigh on economic activity, employment, and inflation in the near term, and poses considerable risks to the economic outlook over the medium term," ... December 16, 2020, from the Fed's Monetary Policy Statement. This past week Stocks climbed to all-time highs, and rates were able to hold steady near all-time lows. The big news of the week was the Fed Meeting. It is important to follow Fed activities as they are the most powerful central bank on the planet, and what they say and do can cause seismic shifts in the financial markets. The dual mandate of the Fed is to promote maximum employment and price stability (inflation). At the moment, unemployment is too high and inflation is too low, so the Fed said they are "committed to using its full range of tools to support the U.S. economy in this challenging time." What the Fed didn't say limited the improvement in both Stocks and rates. When it came to the Federal Reserve's Bond-buying program, the financial markets were hoping the Fed would "up" their Bond purchases to help further pin down long-term rates like mortgages, but this didn't happen. Instead, the Fed said it will "continue to increase its holdings of Treasury securities by at least $80 billion per month and agency mortgage-backed securities by at least $40 billion per month. The Fed will continue this program until substantial further progress has been made toward the current pace to sustain the Committee's maximum employment and price stability goals". The takeaway -- the Fed will continue to purchase at least $120 billion worth of Bonds until we see unemployment sharply lower and inflation solidly higher. This means home loan rates should remain relatively low for a long time. Bottom line: Even with the Fed Bond-buying, rates have ticked up slightly from the recent all-time lows. With vaccine distribution and more stimulus on the way, it may be difficult to see rates improve much, if at all. If you or someone you know would like to talk about the incredible opportunity, please contact me. Looking Ahead The financial markets may continue to bask in the glow of the Fed's seemingly never-ending monetary support. As of this writing, we still do not have a fiscal stimulus bill out of Congress, but we expect and hope to see a plan before Christmas. There is an enormous amount of political pressure to get a stimulus bill passed. The Bond market has a holiday-shortened 1:00 p.m. ET close on Thursday, Dec. 24 and full market closure on Christmas, Friday.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Crista Hermance from Hermance Law joins us this week to educate us on wills vs trusts, power of attorney, community property vs joint tenants, taking property out of a trust for a refinance, and more. Plus we answer listener questions throughout the show.
In This Issue
"Never hope for it more than you work for it." -- Sonya Teclai
Despite the pandemic hitting the country during the summer, low mortgage rates and evolving housing needs caused the housing market to thrive. We'll dive into these factors and more, including:
What to Watch - 2020 is Coming to an End: Right now it's all about stimulus and vaccine hopes. Housing News - Summer 2020 Was a Selling Frenzy: Low mortgage rates and changing home needs fueled the summertime housing boom. Home Improvement - Painting Over Textured Materials: When wanting a change to your home's interior, what is the best way to paint over brick, stone, and wood? Q&A - Why Is the Market Thriving During a Pandemic? Learn why people are grabbing homes at record numbers.
Please feel free to forward this newsletter to friends, family or co-workers who may find it helpful.
2020 is Coming to an End
As 2020 comes to an end, with many saying bring on 2021, it's all about stimulus and vaccine hopes right now. The U.S. financial markets continue to await any headlines from D.C. and there is political pressure on both sides of Congress to get something done.
Mortgage rates were unchanged last week at 2.92% and remain near record lows, but what could the near-term future hold as we head into the new year where rates are concerned? Even with the recent rise in the U.S.10-year yield, home loan rates have continued to improve thanks to the Federal Reserve's (the Fed) asset purchase program.
There is some concern that upward pressure in rates exists, and in addition to the market looking forward at vaccines and more stimulus, there is real asset inflation everywhere: materials, commodities, Stocks, and housing. With the Fed and incoming president looking to add even more stimulus, there could be more asset inflation and potentially some upward pressure on mortgage rates.
The good news is that should rates creep higher, the Fed will likely do even more to pin down long-term rates like measures such as QE and some sort of yield curve control.
Source: Mortgage Market Guide
Summer 2020 Was a Selling Frenzy
Traditionally, September is a slow month for sales as families are already settled into the school year. However, the U.S. housing market saw a tremendous rally this September as low mortgage rates and buyers' demand for additional space during COVID-19 created the need for a change.
The U.S. Census Bureau/HUD announced in October that new single-family home sales in September 2020 were at a seasonally adjusted annual rate of 959,000, which is 3.5% below the revised August rate of 994,000 but 32.1% higher than September 2019's estimate of 726,000. Of these new homes sold in September 2020, the median sales price was $326,800, while the average sale price was $405,400.
Some of the shifts in the real state industry are due to low interest rates and changes in demographics. Demand for new housing in some parts of the country has overwhelmed home builders, making supplies an ongoing challenge. Analysts report that the high demand is due to the lack of existing home inventory available for purchase.
Sources: Mansionglobal.com, Housing Wire, deseret.com
Painting Over Textured Materials
When you move into a new-to-you home, the previous homeowners might have had different decorating tastes than you. If you just plunked down a bunch of money for your new home, you might not have room in your budget for a complete remodel. Luckily, with a little elbow grease and a few tools, you can paint over certain materials yourself.
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Larry Ehrlich joins us this week to discuss upcoming changes to loan limits coming in 2021 and what that means for you and your purchasing options. We also answer your questions submitted in the comments during the live broadcast.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Your weekly Mortgage Market Guide:
1) Stimulus Talks Are Back
The big news this past week was the renewed stimulus talks and the "chance" that we may see a $900 billion stimulus bill included in the government funding package this month.
Up until now, both political parties have been unable to agree on a stimulus package. In addition to the political pressure on both sides to come to an agreement, there are two deadlines Congress has "chances" to get this deal done.
By December 11, Congress must come to an agreement on a funding bill to avoid a government shutdown. As mentioned, we may see a stimulus package included in this funding measure.
If Congress misses this window, they have until December 21 before Congress goes on recess until year-end.
Stocks and rates have been behaving like a deal will get done with both moving higher.
2) Vaccines on the Way
Markets are forward-looking and both Stocks and rates have been rising on hopes and optimism that mass vaccine distribution is just around the corner.
In addition to several vaccines already showing high efficacy rates, there are many more vaccines and therapeutics in the pipeline. Continued good news from vaccines and therapeutics will be a tailwind for Stocks and rates, pushing them higher. The opposite is also true.
3) COVID-19 Cases on the Rise
The rise in COVID-19 cases, hospitalizations, and deaths is a major concern. Even though markets are forward-looking, the uncertainty and threat of more shutdowns is limiting the rise in Stocks and rates. The tug-of-war between vaccine hopes, rising cases, and uncertainty will continue to be a major driver for the next few months. Remember what Fed Chair Powell said back in July, "The path of the economy will depend significantly on the course of the virus." This statement has aged well several months later.
Bottom line: Rates remain right at historic lows, per Freddie Mac this week. With a vaccine and more stimulus on the way, it may be difficult to see rates improve much -- if at all. If you or someone you know would like to talk about the incredible opportunity, please contact me.
Looking Ahead
The main market drivers we mentioned above will drive the activity this week and beyond. In addition to tracking these headlines, the markets will have to deal with another round of Treasury supply as a boatload of 3- and 10-year Notes, and 30-year Bonds are sold. With yields increasing to the highest levels in months, it will be interesting to see the "buying appetite" at these auctions. There are also some important inflation readings this week. Tame consumer inflation is a major reason why home loan rates remain low. If inflation rises, rates rise. If disinflation or outright deflation emerges, rates decline.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Cameron Robinson of RR Appraisals joins us this week to educate us on the appraisal process, what you need to know about it, and things to look out for when working with appraisers.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Today's show was recorded on Veterans Day and we would like to take a moment to thank everyone that has or is currently serving in all branches of our Military.
We also experienced some technical difficulties as we learned YouTube was down at the time we went live so we apologize for the cuts early in the episode.
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we spoke about some ways to help budget your holiday season to relieve some of the financial strain caused by over-extending during the holidays, the importance of setting up a trust, and an extended Catching Up With Mom segment.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. George Hartmann from creditrepairin30.com joins us this week to talk about credit repair. He gives us a little background on his history in credit repair and shares valuable knowledge and tips on the effect of revolving balances, late payments, identity theft, and how to stay on top of your credit score.
We also stick around past the one hour mark for our first installment of our bonus segment, "Mortgage Mom After Dark" that you won't hear on the radio!
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Escrow Officer Jennifer Davidson joins us this week to explain what escrow is, why it is necessary, how they protect clients on both sides of the transaction, conflict resolution between parties in a transaction, the other responsibilities of your Escrow Officer, and tips to keep your loan moving smoothly through the loan approval process.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Chief Title Officer Joe Pena joins the show this week to educate our listeners on what exactly Title Insurance is, why we need it, and what it means to lenders and to you, the buyer.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Underwriter Jon Olkoski joins the show this week to educate our listeners on what goes on behind the scenes of your loan when it goes to underwriting for approval.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we had Real Estate Broker Danielle Whitney Moore on the show to answer questions and give expert advice for working with Real Estate agents.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we discussed what to consider when choosing between VA and Conventional loans and why the best choice is not always the same for everyone. We also gave some advice and tips you should know while shopping around different lenders.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we gave some advice and education on the subject of Debt Consolidation. We also responded to real emails from people looking for a mortgage.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we gave some advice and education for first-time buyers and give some real-life examples of difficult mortgage decisions.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we are finally back in studio after 30 days of working on the road! Come check in and catch up with Mom in this week's show.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we returned from a two week break with an exciting show featuring Larry and Carrie! After catching up on everything that has happened over the last two weeks, we discussed why refinancing is right for some and not for others as well as changes coming from Fannie Mae.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we answered questions surrounding closing costs and also the importance of working with the right real estate agent. We also wished Heidi luck in her move to Arizona and shared an adorable video from our littlest fan!
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we discussed the benefits of owning a duplex/triplex/quadplex, deferment vs forbearance, important things to know about self-employed income when applying, and answer listeners' questions.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we revisited 2019's FHA and VA loan workshop, stopping it along the way to cover what has changed since just last year.
The Future of Homeownership
In a recent survey involving more than 100 economists, Zillow found that housing experts share the opinion that Generation Z is likely to become homeowners at a higher rate than millennials. Millennials are currently in the prime years for purchasing a first home, and yet homeownership among the group has fallen. Gen Z is currently 23 and younger, but in 15 years when they reach the age millennials are now, 45% of the economists polled believe over 60% of them will be homeowners.
One of the reasons for the increase in homeownership is that the inventory crisis that makes it challenging for current buyers to afford a home is expected to resolve itself. In addition, economists believe that Gen Zers will be more likely to live in affordable areas versus the millennial generation who are drawn to expensive urban neighborhoods.
Another contributing factor is that Gen Z is expected to enter the job market during an upswing in the economic cycle, although time will tell how the current pandemic will impact the economy long term. Millennials were coming out of college and entering the workforce right as the economy went into recession, creating income-related hurdles and career challenges.
A recent study of Gen Z found that the majority of the Gen Z members polled prefer to move to diverse communities and want features like backyards with decks or patios for outdoor entertaining, open floor plans, garages, and hardwood flooring. Though members of this generation are digital natives, only 17% of respondents indicated that smart-home technology was an important feature for them. Forty-six percent, nearly half of all respondents, said they want a single-family home, while only 7% want a townhome, 5% want a multi-family unit, and 5% want a condo.
Despite being better connected than previous generations, Gen Z is often referred to as the loneliest generation. It comes as no surprise then that one of their top priorities for a home is having entertaining spaces both inside and outside the home. They want large outdoor spaces for spending time with friends and family as well as open floor plans to optimize the space in their homes.
If you have any questions regarding home loan rates or products, give me a call. I'm always happy to help.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we talked about HOAs CC&Rs and the difference between them, the loan application process, mortgage impounds, and insurance.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today Debbie returns from vacation and Heidi returns in-studio! We talked about pre-approvals and making offers, and updates on refinancing with today's mortgage rates.
We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we talked about closing costs and paying points for your interest rate. How do you determine if it makes sense to do so? Mortgage Mom Radio Live - The Mortgage Mom is going on vacation! Thank you Germaine Marine - Arizona for all of your help to get my family off to a great start for our summer vacation! We had Larry, our Mortgage Dad on the show today and he is so insightful. He had a ton of great advice today, you don't want to miss this one! The Mortgage Dad is in charge while I'm out, give him a call, 844-935-3634, ask for Larry!
We are LIVE on YouTube every Wednesday at 5PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio air's weekly focusing on topics that will educate our listeners around mortgage lending. Today we talked about closing costs and paying points for your interest rate. How do you determine if it makes sense to do so?
We are LIVE on YouTube every Wednesday at 5PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we talked about many topics from things to consider before going into forbearance or taking a deferment and how they are different, to locking in interest rates.
We are LIVE on YouTube every Wednesday at 5PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we talked about many topics from forbearance to lowering your interest rate. Should you pay points, can you remove your mortgage insurance? The show wouldn't be complete without a few technical problems!
We are LIVE on YouTube every Wednesday at 5PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week Mortgage Mom Radio chats with the Tax Grandma Denise Taylor about some important and very interesting tax changes, then we discuss things to consider when determining if this is the time to refinance, review what we are doing to support you in this difficult time, and what is happening with interest rates in the wake of COVID-19.
We are LIVE on YouTube every Wednesday at 5PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio air's weekly focusing on topics that will educate our listeners around mortgage lending. Today we focused on the the Coronavirus and how it has changed our mortgage industry overnight. Are you wondering if you should defer your mortgage payments, have you been trying to purchase a home with down payment assistance, do you need cash out of your home but your credit score is just average, we continue to talk each week as our lending guidelines change to keep you up to date in regards to what is available to you in loan programs, down payment requirements, cash out allowed, credit score requirements, etc.
We are LIVE on YouTube every Wednesday at 5PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Today we focused on the Coronavirus and how it has changed our mortgage industry overnight. Are you wondering if you should defer your mortgage payments, have you been trying to purchase a home with down payment assistance, do you need cash out of your home but your credit score is just average, we touch on the changes in this episode. Jumbo loans, where did they go? Bank Statement loan programs, self-employed borrowers, tune in for more!
We are LIVE on YouTube every Wednesday at 5PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio air's weekly focusing on topics that will educate our listeners around mortgage lending. Today we focused on the the fed reducing the rate to 0% what does that mean to you? Will you get a zero percent rate for your mortgage?
We also talked about the trying times ahead with talks of possible recession on it's way. How can you safeguard yourself and protect your credit and home? Should you be considering purchasing a home today? If you are a renter, should you be concerned? How do you get your application quickly reviewed and locked in during these times that are so busy for mortgage lenders? It was a jam packed show with a ton of great information!
Tune in every Wednesday at 9AM to watch us record our show live! We typically run at 5PM, but due to the virus and the limited amount of resources, we will temporarily be switching our show to 9AM on Wednesday's instead.
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! www.mortgagemomradio.com
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link below! https://mortgagemomradio.cardtapp.com
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mortgage Mom Radio air's weekly focusing on topics that will educate our listeners around mortgage lending. Today we focused on the influx of new loan applications due to the falling interest rates and what that means to you. We also talked about first time buyers and getting into your first home!
We also explained how we calculate income for Self-Employed Borrowers as well as how soon that you can buy a home and obtain financing after a bankruptcy. What kind of bankruptcy did you have? What were the circumstances that took place that created the need for the bankruptcy?
Tune in every Wednesday at 5PM to watch us record our show live!
Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! www.mortgagemomradio.com
How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link below! https://mortgagemomradio.cardtapp.com/
Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our Homebuyer Workshop Series on YouTube!
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Today we focused on The Federal Reserve Prime Rate being reduced by .50PT in Emergency Meeting. How does this effect you? Should you refinance your mortgage? Where did rates go?
We also explained how we calculate income for Self-Employed Borrowers as well as how soon that you can buy a home and obtain financing after a bankruptcy. What kind of bankruptcy did you have? What were the circumstances that took place that created the need for the bankruptcy?
Tune in every Wednesday at 5PM to watch us record our show live!
Don't forget to watch all the upcoming shows in march so you can find out when you can enter the giveaway for Stagecoach 2019 Tickets! We won't tell you what show we will be doing the giveaway on, so don't forget to watch every show in march.
How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom, debbie@mortgagemomradio.com. Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634!
Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our Homebuyer Workshop Series on YouTube!
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Today we focused on renovating your home utilizing a renovation loan. We also talked about adding an ADU (Additional Dwelling Units) utilizing renovation financing. Our income topic today focused on how we calculate commission income when qualifying for a home loan. Our Homebuyer topic today was on Physical inspections, what are they, different than an appraisal, and should you get one.
Don't forget to watch all the upcoming shows in march so you can find out when you can enter the giveaway for Stagecoach 2019 Tickets! We won't tell you what show we will be doing the giveaway on, so don't forget to watch every show in march.
How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom, debbie@mortgagemomradio.com. Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634!
Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our Homebuyer Workshop Series on YouTube!
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
Mom talks about here first adventure with the new RV. We talk about how you can win free tickets to this years Stagecoach Music Festival. Want to know what a 30 day rate lock is and why its important for you to know about, listen now. Also, you guys always wonder how we calculate your hourly income, listen now to find out how we do it. Make sure you tune in next Wednesday at 5 P.M. to hear new information and also make sure to like, subscribe, and turn on those notifications to enter yourself into the Stagecoach Ticket Raffle.
How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom, debbie@mortgagemomradio.com. Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634!
Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our Homebuyer Workshop Series on YouTube!
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
We had Steve Altonian, our Credit Cowboy on our show today to talk all about credit score changes that are on the horizon. Be prepared, know how you will be effected and what the best steps are to guarantee your highest score possible!
How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom, debbie@mortgagemomradio.com. Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634!
Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our Homebuyer Workshop Series on YouTube!
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
This week we had some really great information that can help you regardless of whether your a homeowner today or a future homeowner. We talked with our Tax Grandma about the upcoming tax season and what we need to do to get prepared. Did you know that many of us in CA may have paid too much last year?
Catch up with the mom's, what do they have going on this week? Diets, Grandbabies, garage cleaning, just about everything you would expect from mom. New exercise regiment? Do you have a remedy to help Debbie with her colds?
Are you the surviving spouse of a Veteran? There are very specific guidelines around the eligibility to use your benefits. Give us a call and we will go through those with you one on one.
How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom, debbie@mortgagemomradio.com. Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634!
Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our Homebuyer Workshop Series on YouTube!
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
This was a big show! We had Drew Young in, singer song writer, and currently working on his documentary, "We Share the Gift". He was also the genius behind our new Mortgage Mom Radio jingle!
We also covered important details about Home Equity Lines of Credit, financing both purchase and refinance when you have tax liens, and a little bit more about Down Payment Assistance.
It was a great show with a lot of valuable information as well as little singing.
How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom, debbie@mortgagemomradio.com. Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634!
Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our Homebuyer Workshop Series on YouTube!
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
In this episode we catch up with mom and talk about GM Financial reporting payments incorrectly to Debbie's credit report and how she fixed it. Heidi was declined for a loan that she never applied for, and we go into the multiple options of down payment assistance programs for California. Have you heard of Calhfa, California Dreamin, or GSFA? Loans are all about acronyms but we give you the details that you need to determine if down payment assistance might be an option for you!
How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom, debbie@mortgagemomradio.com. Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634!
Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our Homebuyer Workshop Series on YouTube!
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881
In this episode we focus on:
Mortgage Mom Radio Goals for 2020 Sneak Peak into Down Payment Assistance New Guideline changes for investment property purchases Upcoming Birthday's YouTube Live - Our Maiden Voyage
Complete California Down Payment Assistance information will be broken down next week. If you've been trying to purchase a home and your not quite sure how you are going to come up with a down payment, check back next Monday. It's going to be jam packed with information that you cannot get anywhere else!
How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom, debbie@mortgagemomradio.com. Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634!
Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our Homebuyer Workshop Series on YouTube!
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Movement Mortgage, LLC supports Equal Housing Opportunity. NMLS ID# 39179 (For licensing information, go to: www.nmlsconsumeraccess.org) | 877-314-1499.
In this episode we talk about mortgage payments and how you don't want to miss any one. When you miss a mortgage payment, it gets really hard for Debbie help you out when trying to find a new home or help you with a loan on your current home. Please make sure you always make those payments on time.
What is the best time of year to buy a home? What time of the year do most people like to move into a new home? The Moms go over all of this in this weeks episode!
How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom, debbie@mortgagemomradio.com. Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634!
Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our Homebuyer Workshop Series on YouTube!
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Movement Mortgage, LLC supports Equal Housing Opportunity. NMLS ID# 39179 (For licensing information, go to: www.nmlsconsumeraccess.org) | 877-314-1499.
Yes you've read that right! Debbie and Heidi will be going live on YouTube every Friday at 9am for the rest of 2020. They will be recording their show for Satudary during the live event, so if you want to tune in please do and ask your questions. We will answer your questions LIVE on Friday's!
How will you make 2020 a better year than 2019? Are you scared of trying new things, such as buying a home? Well don't be, call the Mortgage Mom and we'll help get you into a new home!
How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom, debbie@mortgagemomradio.com. Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634!
Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our Homebuyer Workshop Series on YouTube!
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Movement Mortgage, LLC supports Equal Housing Opportunity. NMLS ID# 39179 (For licensing information, go to: www.nmlsconsumeraccess.org) | 877-314-1499.
Catch up with The Mom's! How did their holiday season go? Debbie had her dad in town from Illinois for Christmas and New Years. It was the first time she's spent the holidays with him since she was a kid! The Mom's talk about their New Years Resolutions and give some ideas around what you could set as your New Years resolution as well. Do you need to pay off student loan debt or possibly personal debt incurred during the holiday's? Maybe it's time to get out of your apartment and into your own home!
How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom, debbie@mortgagemomradio.com. Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634!
Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our Homebuyer Workshop Series on YouTube!
Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Movement Mortgage, LLC supports Equal Housing Opportunity. NMLS ID# 39179 (For licensing information, go to: www.nmlsconsumeraccess.org) | 877-314-1499.
Watch Mom Live on YouTube! We just finished our Maiden Voyage of YouTube Live! We will be bringing our show to you weekly by live stream on our YouTube Channel. Subscribe to our channel now and enable notifications to watch us record all of the content that you love, live from our studio! You can reach our channel by clicking on the following link YouTube Live Stream
How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom, debbie@mortgagemomradio.com. Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634!
Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our Homebuyer Workshop Series on YouTube!
AZ-0941504, CA-DBO237926, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Movement Mortgage, LLC supports Equal Housing Opportunity. NMLS ID# 39179 (For licensing information, go to: www.nmlsconsumeraccess.org) | 877-314-1499. Movement Mortgage, LLC is licensed by AZ # 0918544, CA Department of Business Oversight under the California Residential Mortgage Lending Act # 4131054, GA # 23002, IL # MB.6760898, NV # 3401, OR # ML-5081, TN # 112748, TX, WA # CL-39179.
At the end of every year, we receive all of the updates and changes to guidelines and loan programs. This year we received fantastic news that the Conventional and FHA loan limits are being increased. This very well may help you, even if you already have your loan. This is big news for both purchase and refinance transactions.
Miss lasts weeks show? Don't worry about it, I have all the podcasts up from last week you just have to go back and listen to them. We talked about some really helpful things you won't want to miss out on, so go back and listen you won't want to miss out on it!
How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom, debbie@mortgagemomradio.com. Text messages and phone calls are great too! Do you know how to contact us? Text the word "MOM" to 474747 or give us a call 844-935-3634!
Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our Homebuyer Workshop Series on YouTube!
AZ-0941504, CA-DBO237926, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Movement Mortgage, LLC supports Equal Housing Opportunity. NMLS ID# 39179 (For licensing information, go to: www.nmlsconsumeraccess.org) | 877-314-1499. Movement Mortgage, LLC is licensed by AZ # 0918544, CA Department of Business Oversight under the California Residential Mortgage Lending Act # 4131054, GA # 23002, IL # MB.6760898, NV # 3401, OR # ML-5081, TN # 112748, TX, WA # CL-39179.