Radio Shows - Podcast | Page 13 of 44

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2/24/2022

During this weeks episode I focused on Rent vs. Own. With property values increasing, interest rates increasing, and inventory becoming even lower than it has been over the last few years, many of my clients have started to believe that they are priced out of the market and they should put their home buying plans on hold.

This couldn’t be further from the truth. Today I touched on all of those questions including, current rents, future rent values, as well as interest rates, monthly payments, and more.

First time buyers and future/current owners of rental investment properties will all benefit from this information.

Don’t miss out on another great Mortgage Mom Radio episode!

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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

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2/16/2022

Mortgage Mom Radio Live: Buy Now Pay Later!

Today’s show: Today we focused on the Buy Now Pay Later Programs and how they will affect your qualifications for a new mortgage, whether that be for a purchase or a refinance. Learn all you need to know in this episode of Mortgage Mom Radio!

This was Heather’s first go at it by herself and boy did she do great!

We are LIVE on YouTube every Monday and Wednesday @ 1PM. Watch us record our show and ask us your questions. Text “MOM” to 844-935-3634. We will send you a link each week to interact live.

How do you schedule a phone appointment with mom? Go to our website, mortgagemomradio.com

Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID MLO- 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

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2/9/2022

Today we had Chris Lechner, Broker/Owner of Global Point Relocation Services on the show. He is an expert in the relocation field being immersed daily with corporate relocation clients for very large corporations such as Northrup Grumman.

Chris gave us detailed information about the relocation process and tips to reduce the stress level when trying to sell your home in one state to move to another.

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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.

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2/9/2022

Are you relocating to another state? Today we talked about tips and tricks for your long haul move.

We are your one stop shop for a referral to a realtor to sell your home, where you live today, and buy your next home, in your new city. We are also licensed in many states and will help you to obtain your pre-approval for your purchase. We can help you in CA, AZ, WA, OR, ID, NV, TX, IL, GA, TN, and FL. HI and CO are just around the corner. We will continue to add more as quickly as we can.

Don’t miss our show tomorrow as we continue to discuss relocation. I will be talking with Chris Lechner, Managing Broker/Owner of Global Point Relocation. Working with relocation on a daily basis I can’t wait for the education that he will bring to us tomorrow!

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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.

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Today’s episode was a re-cap of our live seminar on Saturday 1/29/2022, as well as our interview with CryptoWendyO on Monday, 1/31/2022.

The short story, Yes, we can use your Bitcoin and Crypto assets for your home purchase, closing costs, down payment, and reserves. Do you want to use your crypto assets and you have been told that you cannot? Give us a call, 844-935-3634!

This is a nice consolidation episode of the information received during the hour and half episode on Saturday and the hour long episode on Monday. We covered detailed information about what is Bitcoin, Wallet, Exchange, How do you buy, etc. Then on Monday, we went even deeper and more technical into the Metaverse, buying real estate in the Metaverse, and Web3.

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The mortgage industry has been making progress in utilizing Bitcoin for down payment and closing costs. Many loans require reserves and we are looking forward to utilizing Bitcoin for those requirements as well.

Today’s show will be with CryptoWendyO and Tony Cuda, VP of Financing at JMJ Financial. He will be answering all of Wendy’s tough questions and explaining the programs that we have available from Fannie Mae/Freddie Mac products to Portfolio lenders and how we can utilize your Bitcoin! Are there lenders that will not require liquidation? Why yes there are!

We will then jump into education by CryptoWendyO to explain the Metaverse and purchasing Real Estate in the new world!

I am looking forward to an exciting episode of Mortgage Mom Radio!

Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW

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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.

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Have you been thinking about buying Bitcoin and have no idea what it is, not sure where to start? What’s the wallet that you hear about? Do you need an exchange? What the heck is that? We’re going to take you through the basics to get you acquainted.

Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW

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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.

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1/26/2022

We are back in tax season again; does it ever end! I feel like we were just here a few months ago.

What is important this year to keep your eye on? Did you receive any stimulus payments? Did you receive any child tax payments? If you receive any letters at all in the mail from the IRS about payments that you received, make sure to keep copies of those letters and provide them to your tax preparer.

Today we had Denise Taylor, our Tax Grandma on the show. She talked to us about your online IRS account and the new iD.me that you must verify through to get to your account. She also talked about what you need to do with those letters, what do you do if the letters show income that you did not receive.

This was a very beneficial episode for everyone, whether you are a homeowner or not. I would highly recommend tuning in. Mortgage Mom Radio is here to help educate you on anything that could impact you or your ability to purchase a home or refinance a home. Your tax returns are an essential part.

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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.

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1/24/2022

Thirty-five percent of first-time buyers and existing homeowners believe they need a down payment of 16% to 20% of the purchase price.

Ten percent believe they need more than 20% for a down payment to purchase a home, according to survey data from the National Association of REALTORS®. With the recent double digit rise in home values, this can be a very difficult hurdle to push through.

The good news, this is not true at all! It is a misperception based on old data from years past. There are low down payment options available. Many might say, “with low down payments you will be forced to pay mortgage insurance.” That might be, however there are many programs with less than 20% down payment that offer options without paying a monthly expense for mortgage insurance.

There are programs that you will pay for mortgage insurance but at only 3-3.5% down payment, it certainly gets you a foot in the door for homeownership. Have you seen the cost of rent in your area lately? If you have been living in the same home with a long-term rental contract, that’s great news for you. Keep your fingers crossed that your landlord does not increase your rents. The current rent vs. own, even with the elevated home prices, is proving to be more beneficial to own a rather than rent.

Market Update: 1/24/2022

Home loan rates ticked up this week to the highest levels in two years. Let’s discuss what’s happened this past week and what to watch in the weeks ahead.

“Up, Up, Up – Can only go up from here” …Up by Shania Twain

Interest Rates Rising Globally

The U.S. bond market took the long weekend to ponder Federal Reserve Monetary Policy and what they will do at next week’s Fed meeting and beyond.

Once the bond market reopened on Tuesday, it came to the realization that rates “can only go up from here.”

Much like 2018, the Fed is hawkish, and they want to raise rates multiple times and possibly “shrink” their balance sheet (sell bonds).

The Treasury market saw the 2-year note yield, an instrument that responds to the notion of Fed rate hikes, spike above 1.00% for the first time in two years. The 10-year yield, which many look to as a rate that ebbs and flows with mortgage rates, ticked up above 1.85%, also the highest in two years.

Mortgage-backed securities (MBS), where home loan rates are derived, dropped sharply again, pushing rates to the highest mark in two years.

The spike here caused ripples abroad, where the German 10-year bund yield crept up to 0.0% for the first time in years. Germany and most of Europe have had negative rates for years and 2022 may be the year that changes.

Oil Prices Spiking

Just when you thought it was safe to fill up your tank, oil has gushed to $86 … a seven-year high. This spike is untimely as we are already dealing with 7% consumer inflation and a market fearing multiple Fed rate hikes to fight inflation. In the absence of oil prices receding, it will lead to more inflation and expectations of even more. On the latter, this is the fear of the Fed, that consumers will get comfortable and expect higher prices in the future. Inflation expectations are self-fulfilling, meaning if we expect higher prices, we get them. The opposite is true.

It’s All About the Fed, Folks

There is no lack of opinions on what the Fed will do this year as it relates to interest rates and their balance sheet. And it is this uncertainty that has caused incredible volatility in the stock and bond markets. The markets are fearing the Fed will hike rates four times or more this year.

Back in 2018, the Fed hiked rates four times and ultimately stocks declined sharply, and housing was disrupted. Subsequently, the Fed spent 2019 reversing all the hawkishness and cut rates in July 2019.

Listening to the Fed is very important as the financial markets and housing are tethered to interest rates, which they control … to some degree. Let’s see what they say and do next week.

Bottom line: The sentiment in the financial markets has shifted very quickly. The Fed went from a tailwind to a headwind as it relates to rates. If you are considering a mortgage, rates are still suppressed thanks to the Fed bond-buying program which will end in March. Don’t delay.

Looking Ahead

As we shared, it’s all about the Fed. And next Wednesday at 2:00 p.m. ET, we shall see what they do and say. And if this big event weren’t enough, the Fed’s favored gauge of inflation, the Core PCE, will be released next week. The most recent reading showed inflation running at 40-year highs. If inflation creeps higher still, the Fed will continue its hawkish tone. Should we see some moderation, it could give the Fed some wiggle room to be less hawkish and adopt some wait-and-see attitude towards multiple rate hikes this year.

Mortgage-backed security (MBS) prices are what determine home loan rates. The chart below is a 10-year view of the Fannie Mae 30-year 3.0% coupon, where currently closed loans are being packaged. As prices go higher, rates move lower and vice versa. Much like January 2018, MBS prices have declined 190+ basis points this month causing a sharp spike in home loan rates. Be careful. Back in 2019, with a similar Fed backdrop, rates crept higher every month as the Fed hikes rates multiple times.

Chart: Fannie Mae 2.0% Mortgage Bond (Friday Jan 21, 2022)

Economic Calendar for the Week of January 24 – January 28

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It’s that time again!! You should be receiving your W-2’s in the mail any day! I found a funny meme the other day that was quite true for many. It said, you can easily find a picture from 10 years ago to participate in the then and now photos on Facebook but you can’t find last years W-2 when your loan officer requests it…lol

W-2’s are very important. If you are not self employed or own investment properties, then the Federal and State tax returns that you file are not necessary when completing your home loan application. What is important are your W-2’s. If you are self employed and issue yourself a W-2, both the tax returns and the W-2’s are required. Please make sure that you scan them and save them to your computer or in the cloud where you will easily be able to access them.

Furthermore, your final pay stubs from each year are very important as well. Who would think that the final pay stub received each year should be kept with the copy of your W-2? Most wouldn’t even think to do that. Why do we need them, why are they important? If you receive Bonus income, Overtime, Commission, shift differential, or any other variable payments as part of your annual salary, we need to be able to see the breakdown. We need a two year history, and we need to calculate the average. If we need to order this information from your employer, it can take days sometimes week to receive what we need. If you keep those pay stubs somewhere safe and easy to get to, when we ask for them, you can send them over and we can quickly calculate your income and give you the approval that you are looking for.

Next week, Wednesday, January 26th, 2022, we will have Denise Taylor our Tax Grandma back on the show. It’s 2022 and tax season opens up on January 24th for filing. Are you ready? Do you own a home? Is your CPA telling you that you need deductions? Don’t miss next weeks episode where she will provide us any updates that we need to be aware of tips and tricks for a successful filing year.

How do you watch the show live and ask your questions? Text “MOM” to 844-935-3634. You will receive a link by text just minutes before we get started. You will be able to watch us stream the show live right through YouTube and ask your questions in the comments box. Or Subscribe to our channel. Just search, Mortgage Mom Radio, and make sure to turn on your notifications.

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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.