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!

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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

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

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 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:

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