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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
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
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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
Homebuyer Workshop
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
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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
Podcast: Play in new window | Download (Duration: 1:00:00 — 68.5MB) | Embed
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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
Podcast: Play in new window | Download (Duration: 54:44 — 62.9MB) | Embed
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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
Podcast: Play in new window | Download (Duration: 41:36 — 47.7MB) | Embed
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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
Podcast: Play in new window | Download (Duration: 35:09 — 40.1MB) | Embed
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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
Podcast: Play in new window | Download (Duration: 34:05 — 40.7MB) | Embed
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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
Podcast: Play in new window | Download (Duration: 35:49 — 39.6MB) | Embed
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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
Podcast: Play in new window | Download (Duration: 56:57 — 52.3MB) | Embed
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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
