Mortgage Mom Radio
Business & Finance
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 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
- 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-…
- 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 q…
- 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…
- 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. Ge…
- 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 bu…
- 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:/…
- 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 decis…
- 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"…
- 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 strea…
- 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.…
- 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 Calif…
- 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,…
- 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 |…
- 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 th…
- 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,…
- 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…
- 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…
- 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,…
- 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 Departm…
- 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 rat…
- 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 N…
- 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 Mar…
- 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 #16…
- 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…
- 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…
- 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…
- 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…
- 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 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-LO…
- 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 l…
- 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 t…
- 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.…
- The Fed Finally Cuts Rates! What Are Your New Possibilities?
After three long years of higher for longer, we finally get our first rate cut by the Fed. What's to come and how does this open up new possibilities for you? Got debt and need to get it handled? Need to lower your mortgage payment? Lookin…
- FHA and VA Streamlines Are Back!
Anybody that has an FHA or VA Loan and their interest rate is above 6% is now in a position that a streamline refinance to help them to reduce their rate and monthly payments. In this episode we explain how the program works and the averag…
- Interest Rates Are Falling!
Today we discuss mortgage interest rates, where they are at currently, why they have come down, and who is benefiting from the reduced interest rates that we have been so fortunate to see! We also discuss next week's Fed meeting and how th…
- Federal Reserve Hold’s Prime Rate Steady but Rate Sheets Improve!
Why do rate sheets improve when the Fed Holds rates steady? Have you taken a VA or an FHA loan in the last two years? A streamline refinance may be ready for you. Inquiry with us directly to determine your eligibility. Looking for numbers…
- Easy Home Equity Line of Credit – Close in 5 Business Days!
We just rolled out one of the easiest home equity lines of credit. It's an incredible loan option and can help you to consolidate debt, complete home improvements, or purchase another property. Looking for numbers for your own personal sce…
- Do you know what your blended rate is? Debt Consolidation!
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…
- RedefineLO.com – Realtors!!! You need this!
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 wit…
- Retail Sales Disappoint. Mortgage Rates Are Improving!
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. Lookin…
- Mortgage Rates Are Improving! Why?
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 mort…
- The Fed Decision May 1, 2024
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…
- Rent vs. Own – Should you buy in today’s market?
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…
- April 10, 2024 Inflation Report – STOP SPENDING NOW!
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? Deb…
- What does a realtor really do? How much do they make?
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 Marcou…
- NAR Settlement – What was it about, how will things change?
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 estat…
- Fed Meeting March 20, 2024 & NAR Settlement
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 chan…
- Frequently Asked Questions By Our Listeners!
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 explo…
- Real Estate Myth’s – Let’s Talk Truth!
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…
- Should you wait to buy/refi until interest rates come down?
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 ref…