PODCAST · education
Mortgage Mom Radio
by Debbie Marcoux NMLS ID 237926
Mortgage Mom Radio is a mortgage and real estate education show hosted by Debbie Marcoux, NMLS ID 237926. I help all those who are navigating the real estate, home buying, and mortgage process. Mortgage Mom Radio is a DBA of JMJ Financial NMLS ID 167867, JMJ Financial Group is licensed by the California Department of Financial Protection and Innovation under the Residential Mortgage Lending Act, License number 41DBO-46011 | CA DBO 603 F427. Debbie Marcoux NMLS ID 237926. All licensing information can be found at https://www..nmlsconsumeraccess.org/
Episodes
-
Low Appraisal? Don't Panic. Here's How to Save the Deal
You're under contract, and the appraisal comes in below the price. Now what? The deal isn't dead. In this show I walk through the four real options you have, how to challenge an appraisal the right way, and what to do before the appraiser ever comes out. On Fannie Mae and FHA loans you get one...
-
Renting Out Your Current Home to Buy Your Next One? Fannie Mae's New Rules Start December 1, 2026
Thinking about keeping your current home as a rental and buying your next one? Starting December 1, Fannie Mae changes how lenders count the rent from the house you're leaving, and some lenders may start sooner. A signed lease won't do it anymore, the rent has to be supported by the market, and…
more -
Buy First or Sell First? The Move-Up Playbook for Today's Market
Found your next home before you've sold the one you're in? You have more options than you think, and in today's market sellers are more willing to work with you than they've been in years. I'll walk you through the five ways to bridge the gap between your current home and your next one, the…
more -
Short Sales Are Back: The Truth for Buyers Hunting a Deal and Sellers Who Are Struggling
Short sales are coming back for the first time since the Great Recession. If you're struggling with your mortgage payment, a short sale may be a better path than foreclosure, and the time to act is before you miss your first payment. If you're a buyer hoping a short sale will get you a better…
more -
How Fannie Mae's ADU Rule Helps Buyers Qualify Using Rental Income
If you are looking at a home with a casita, a guest house, or a converted garage, the rent from that unit may now help you qualify. Fannie Mae announced the change in October 2025, and it has been part of its automated underwriting since March 2026. I also start with a quick update on today's...
-
New Inflation Numbers Are In! What CPI vs PCE Means For Rates Next Week
UPDATE FOR SEPTEMBER 11, 2026: The fresh August CPI inflation report just dropped this morning! While the exact percentages have updated, the core battle between CPI and PCE remains identical. If you are trying to figure out why the news numbers don't seem to match what you are feeling at the...
-
Treasury Buybacks Explained: What Actually Moves Your Mortgage Rate
The government announced it would spend $6 billion buying back its own bonds last week. That is supposed to push yields down, and mortgage rates with them. Yields went up instead, and the 10-year hit its highest level since 2023. Here is why that happened, and what it tells you about who actually...
-
Can You Take Over Someone Else's 3% Mortgage?
There are people out there right now paying two and a half or three percent on their mortgage. If that loan is FHA, VA, or USDA, a buyer may be able to take it over instead of getting a new loan at today's rates. It is called an assumption, and almost nobody uses it. This is not the portable...
-
Why Friday Matters More To Your Rate Than The Next Fed Meeting
The Fed has not moved its rate all year, and mortgage rates went up anyway. In this episode I explain who actually sets your mortgage rate, why the bond market matters more than the next Fed meeting, and what this Friday could change. The 30-year Treasury just hit its highest level since 2007.…
more -
The List Price Is The Opening Bid!
How To Actually Ask For Seller Concessions In The 2026 Resale Market Almost half of American home sellers are now handing buyers money at closing — and most buyers still don't know they're allowed to ask. This week Debbie breaks down the resale market's worst-kept secret: seller concessions hit a...
-
Foreclosures just jumped 21% this year. Is this 2008 all over again?
I've had more clients ask me this exact question in the past two weeks than almost any other topic all year, so today I sat down with the actual data — not the headline, the underlying numbers — and walked through what's really happening versus what happened during the Great Recession. Here's the...
-
Homeowners Insurance is killing deals at closing!
21% of homes going under contract in 2026 aren't closing. It's not the appraisal. It's not the loan. It's not the inspection. It's the insurance. I've been in the mortgage business for over 30 years and I have NEVER seen a market where more clean, qualified, pre-approved buyers are losing their...
-
The Fed Just Said No Rate Cut
The Fed just made its decision — no rate cut. In fact, three Fed officials voted to RAISE rates, and Wall Street now expects a hike as soon as September. So what does that actually mean for your mortgage? On today's show, Debbie Marcoux — The Mortgage Mom — breaks down the Fed's 9–3 vote, new Fed...
-
Mortgage Rates Just Hit 2026 Highs — What Happened & What Buyers Do Now
Mortgage rates just hit their highest levels of 2026 — the 30-year fixed reached 6.75% on Mortgage News Daily's tracker this week, with Freddie Mac's survey at 6.55%. On today's show, Debbie breaks down what pushed rates up: rising fuel prices, new Treasury supply concerns, and bond selling…
more -
The Biggest Condo Lending Change In Over A Decade!
The biggest condo lending rule change in over a decade drops August 3rd. If you're buying, selling, or refinancing a condo, this affects you. On March 18, 2026, Fannie Mae dropped Lender Letter LL-2026-03 — the biggest overhaul to condo lending rules in a decade. Freddie Mac followed with a...
-
The Fed just flipped the script. Rate Hike on the table?
For over a year the whole audience has heard "when will the Fed cut" — and this week two of the most senior voices on the FOMC used blunt, on-the-record language to say the opposite is now realistic. It directly reframes the "should I lock or wait" Debbie Marcoux, NMLS ID 237926 also licensed in...
-
The Biggest Housing Bill in 36 Years, what's in it?
There's a big housing bill in the news right now — the biggest one in 36 years — and I've been getting a lot of questions about what it actually means. Let me walk you through what's in it, where it stands, and how it affects you if you're buying, selling, or refinancing this year. Debbie…
more -
I’m Back! Market Updates and New Loan Programs Available
Today I discussed new programs such as Jumbo with only 10% down, construction and fix and flip loans for investors. Would you like to ask questions while I'm live on air? Subscribe now to receive a link to join each week. Text LIVE to 844-935-3634 Debbie Marcoux is licensed by the Department of...
-
Investment Property Cash Flow
Want to buy an investment property or sell yours and move it out of CA? Let's talk 1031 exchange and cash flow. Would you like to ask questions while I'm live on air? Subscribe now to receive a link to join each week. Text LIVE to 844-935-3634. Support the stream:...
-
February 11, 2026 Jobs Report! Will Future Rate Cuts Stall?
Today was an amazing jobs report that nobody expected. Future rate cuts are questionable. Today's show is all about education and why a job's report may hinder mortgage rates from falling further in the near future. Would you like to ask questions while I'm live on air? Subscribe now to receive a...
-
Hearing that interest rates have dropped? What rate would you get today?
Hearing that interest rates have fallen? Would you like to know what your interest rate would be today? Send me an email with your scenario! All interest rates quoted are subject to change until locked in and conditional upon underwritten loan approval. Get a text message when I go live with a…
more -
50YR Terms and Portable Mortgages – What are they talking about?
Why is everyone talking about 50YR terms? What are the benefits and downsides? What are portable mortgages and how might that help you if it is something that they implement as an option in the future? Watch LIVE and ask your questions. Get a text message when I go live with a link to join. Text...
-
Loan Programs You Didn’t Know Existed!
No Ratio - Can't prove income? Bank Statements - Self Employed but can't show tax returns? Debt Service Ratio - Looking to buy that rental property, Airbnb, or VRBO/ Construction Loan - Run out of funds, looking for a fix and flip or to build a spec home? Watch LIVE and ask your questions. Get a...
-
Fed Cut Rates 0.25% – How are the markets reacting to the decision?
How many more rate cuts will we get this year? How are the markets reacting to the decision? Watch LIVE and ask your questions. Get a text message when I go live with a link to join. Text "LIVE" to 844-935-3634. Support the stream: https://streamlabs.com/mortgagemomradio1 Debbie Marcoux is…
more -
PPI (Producer Price Index) came in well below expectations showing negative inflation.
PPI (Producer Price Index) came in well below expectations showing negative inflation. Bond market & Stock futures jumped higher, 10 year note fell further. Mortgage Demand is up! This is your one week warning before the Fed Rate Cut decisions are made. Get an application submitted and possibly…
more -
Do you need to refinance? Let’s talk about how it works!
Experts Say there is a 90% chance of a Fed Rate cut at next week's Fed Meeting. Do you need to refinance? Let's talk about how it works! Watch LIVE and ask your questions. Get a text message when I go live with a link to join. Text "LIVE" to 844-935-3634. Support the stream:...
-
We finally broke an 11-Month Interest Rate Barrier!
Will we see even lower interest rates? Should you wait for a Fed Rate Cut to lock in an interest rate? Watch LIVE and ask your questions. Get a text message when I go live with a link to join. Text "LIVE" to 844-935-3634. Support the stream: https://streamlabs.com/mortgagemomradio1 Debbie Marcoux...
-
Will the Fed Cut Rates in September?
We'll know more after Friday's Jackson Hole Symposium. Join me live next Wednesday at 1PM on YouTube to stay up to date with Real Estate, Mortgage, and Interest Rate Market! Don't miss a live show. Ask your questions and get your answers. Text "LIVE" to 844-935-3634! 844-935-3634, call us! Debbie...
-
Interest rates are falling, will they continue to move lower?
Why are interest rates falling right now? Will they continue? What will it take for the Fed to lower interest rates? 844-935-3634, call us! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Business, Consumer Services and Housing Agency. Also...
-
Conventional vs FHA – What’s the difference between the two loan programs.
Why would a loan officer suggest an FHA or a Conventional loan to you. Learn more in today’s episode. 844-935-3634, call us! Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867...
-
Reverse Mortgage Myth’s and Facts!
Reverse mortgages are misunderstood and can be a great asset in retiring comfortably. 844-935-3634, call us! Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the...
-
Honoring Memorial Day and the History of the Holiday!
Did you know that you are supposed to fly your flag at half mass until noon and then raise it until sundown? How did Memorial Day come to be, what are we celebrating, and how is it different than Veteran’s Day. Short history lesson from the Mortgage Mom! 844-935-3634, call us! Debbie Marcoux –...
-
The Fed Meeting 5/7/2025 – Holding Rates Higher For Longer!
The Fed is holding strong with their Higher For Longer stance. When will we finally get that first rate cut in 2025? 844-935-3634, call us! Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS…
more -
Will next weeks Fed meeting bring us a quick dip in the rates?
Reading the economic reports this week, GDP was lower than anticipated. It was honestly quite bad, but consumer spending is up, month over month, from February to March 2025. The Core PCE inflation numbers came in higher than expected, and it is anticipated that the Fed will hold rates steady at...
-
Property Taxes, Supplemental Bills, and Escrow Accounts
I focused on an issue that has been a major story in the media recently. Homeowners monthly payments are skyrocketing because of their property tax bills. Please understand how it works and what you can do as a homeowner or a new buyer to safeguard yourself from a messy situation later!...
-
Stock Market and Mortgage Rates Are Volatile!
Did you miss out on the quick dip in mortgage rates last Friday? Let’s get you ready to take advantage of the next dip. 844-935-3634, call us! Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group…
more -
Are Home Prices Going to Crash?
Why are you seeing media about a housing crash? Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the...
-
The Best Strategy To Lock In Your Interest Rate
Interest rates have fallen for 7 consecutive days, but today, we’re headed right back up again. If you are in need of a new mortgage loan, refinance or purchase, it is important to understand when the best time to lock in your interest rate is. Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508,...
-
How Much Does A Refinance Cost?
Today we talk about refinance closing costs. How do they work, what should you expect? Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial...
-
Mortgage Applications Increase Week Over Week!
Both purchase and refinance applications have increased week over week. Why? With interest rates improving, mortgage loans are becoming more affordable opening up opportunity for homebuyers and refinances for current homeowners. Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID,...
-
Fed Pauses Rate Cuts!
Is it the Trump Administration's fault that rate cuts were paused yesterday? Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection…
more -
Mortgage applications increase by 33.3%, why?
Wondering if you should be looking into a purchase or a refinance? Why are so many applying for mortgage applications all of the sudden? Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID...
-
CA Wildfire Help and Information!
Important data for those who have lost their home or have been displaced. We will also talk about CA Insurance Policies and what to do at your next renewal. Many carriers will drop current policies. Be prepared! Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC,...
-
The Fed Dropped Rates / Dow Down 1100PTS
Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee...
-
Planning to purchase a home in 2025?
Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee...
-
Will we see a recession in 2025?
Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee...
-
The History of Interest Rates and Administrations!
Interest Rate History Lesson! From Obama through Biden. Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR,...
-
Mortgage Fraud! Talk to your loan officer about your plans!
Many times clients have no idea that they could be committing mortgage fraud. There can be major consequences when this takes place. Make sure that you are talking openly and honestly with your mortgage loan officer to determine the best loan program for you! Looking for numbers for your own...
-
Autism and Service Dogs!
War between Iran and Israel has quickly increased the cost per barrel for oil. This will in turn increase inflation. We have a strike at the ports which will also be a driver of inflation. Interest rates are headed the wrong direction as the news of the ADP report comes in better than expected. I...
-
Should you wait for lower rates?
Is it best to refinance now or wait for even lower rates? How about that home purchase, is it better to wait until after the election or purchase now. Looking for numbers for your own personal scenario, go to our website, mortgagemomradio.com and book a consultation or call 844-935-3634. Debbie...
We're indexing this podcast's transcripts for the first time — this can take a minute or two. We'll show results as soon as they're ready.
No matches for "" in this podcast's transcripts.
No topics indexed yet for this podcast.
Loading reviews...
ABOUT THIS SHOW
Mortgage Mom Radio is a mortgage and real estate education show hosted by Debbie Marcoux, NMLS ID 237926. I help all those who are navigating the real estate, home buying, and mortgage process. Mortgage Mom Radio is a DBA of JMJ Financial NMLS ID 167867, JMJ Financial Group is licensed by the California Department of Financial Protection and Innovation under the Residential Mortgage Lending Act, License number 41DBO-46011 | CA DBO 603 F427. Debbie Marcoux NMLS ID 237926. All licensing information can be found at https://www..nmlsconsumeraccess.org/
HOSTED BY
Debbie Marcoux NMLS ID 237926
Loading similar podcasts...
Frequently Asked Questions
How many episodes does Mortgage Mom Radio have?
Mortgage Mom Radio currently has 669 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Mortgage Mom Radio about?
Mortgage Mom Radio is a mortgage and real estate education show hosted by Debbie Marcoux, NMLS ID 237926. I help all those who are navigating the real estate, home buying, and mortgage process. Mortgage Mom Radio is a DBA of JMJ Financial NMLS ID 167867, JMJ Financial Group is licensed by the...
How often does Mortgage Mom Radio release new episodes?
Mortgage Mom Radio releases new episodes frequently with a large back catalog of 669 episodes. Check the episode list for recent publication dates.
Where can I listen to Mortgage Mom Radio?
You can listen to Mortgage Mom Radio on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts Mortgage Mom Radio?
Mortgage Mom Radio is created and hosted by Debbie Marcoux NMLS ID 237926.
URL copied to clipboard!