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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
Podcast: Play in new window | Download (Duration: 56:38 — 69.7MB) | Embed
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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
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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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
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: 1:00:44 — 71.3MB) | Embed
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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
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: 36:27 — 43.1MB) | Embed
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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
Podcast: Play in new window | Download (Duration: 59:47 — 69.9MB) | Embed
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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
Podcast: Play in new window | Download (Duration: 35:32 — 40.8MB) | Embed
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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
