Radio Shows - Podcast | Page 14 of 43

Podcast: Play in new window | Download (Duration: 56:57 — 52.2MB) | Embed

Subscribe: Apple Podcasts | Android | Email | RSS | More

Wednesday, November 17th, 2021

Homeowners Associations! The good, the bad, and the ugly 🙂

Debbie and Heidi had fantastic audience questions this week that ranged in topic from buying a second home to obtaining an appraisal waiver for your loan application.

They also jumped into Homeowners Associations and what they feel are the positives and negatives of living in a subdivision with an HOA. Even the Mortgage Mom can get in trouble if the rules aren’t followed!

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, ID – MLO 2080237926, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Podcast: Play in new window | Download (Duration: 56:53 — 52.2MB) | Embed

Subscribe: Apple Podcasts | Android | Email | RSS | More

November 2, 2021

Our show this week was fantastic! Carrie Margulies, Mortgage Educator and Loan Officer with Mortgage Mom Radio, and Mom (Debbie Marcoux) spent the entire hour answering questions from our listeners.

We receive questions by email, live chat, website, and phone. We absolutely love it when you get interactive. Our best shows are those with tons of questions. Please submit your question to not only get the answers that you are looking for, but to help answer the same questions for someone else who might be too shy to put it out there!

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

Get your free consultation today, click to BOOK NOW

We are LIVE on YOUTUBE every Wednesday. Interact with us LIVE while we record! Ask us your questions right in the comments or call in and you will be patched through right to the studio. Text “MOM” to 844-935-3634 for a weekly link to join when we get started.

Podcast: Play in new window | Download (Duration: 56:59 — 52.2MB) | Embed

Subscribe: Apple Podcasts | Android | Email | RSS | More

Wednesday, October 27th, 2021 –

Do you have MORTGAGE INSURANCE? Have you thought about how you get rid of it? You might have mortgage insurance if you have a conventional loan, and you certainly have mortgage insurance if you have an FHA loan.

If you bought your home anytime before April 2021 and you have not investigated refinancing your loan to remove it, now is the time to call or book an appointment on our website!

Property values are up, and rates are still very low, refinancing your home now could save you thousands of dollars. Don’t sit around and wait for your home value to drop or interest rates to go up. You may find that waiting takes away the opportunity that you could cash in on now.

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

Get your free consultation today, click to BOOK NOW

Podcast: Play in new window | Download (Duration: 56:52 — 52.1MB) | Embed

Subscribe: Apple Podcasts | Android | Email | RSS | More

Wednesday, October 13th, 2021

This week, Debbie brings in Loan Officer Larry Ehrlich aka “Mortgage Dad,” to talk about the current climate of Mortgage and Real-Estate. Below are the topics that they hit on in this episode:

Debbie starts off the show by urging her audience to check out her YouTube videos which contains free information, especially with the latest video/segment of the Home Buying Workshop.
Debbie and Larry discuss Loan Limits and guidelines constantly changing. Debbie says that the “word on the street” is that there will be the biggest jump in Loan Limits in the past 50 years. If that’s the case, Larry believes this will help first time buyers and people that want to refinance.
They discuss the details of how this can help and or effect homeowners in high-cost areas, especially in California.
They go on to talk about how Conventional Loans and Conforming Loans are more advantageous than Jumbo Loans, especially when people want to pull cash out for renovations, school for college, etc.
Debbie suggests for clients to call in and schedule an appointment with her team, so they get the application going for the purpose of “being prepared.” In that way, when the Loan Limits come out, then all they must do is hit the submit button and the higher limit will be locked.
They go on to talk about Appraisals and how the market is shifting. Debbie says that the most educational advice she can give at this time in relation to appraisals and the market is “DO NOT remove your appraisal contingency” for various reasons.
Larry goes on to give examples on why. Larry says, “Get your application in right away, because it is never too early just to start.”
Debbie and Larry both say that the value of your property right now is the highest it has ever been, therefore pulling cash out right now would be the best time to do so.

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

Clients and audience members must text the word “mom” to the phone number 844-935-3634 (We Lend 4 You) to get updates and links. So do that TODAY!

How do you schedule a phone consultation with mom? BOOK NOW Get your free consultation today!

We are LIVE on YOUTUBE every Wednesday. Watch us record our show! Ask us your questions right in the feed or call in and we will answer them for you LIVE. Text “MOM” to 844-935-3634 for a weekly link to join when we get started.

Podcast: Play in new window | Download (Duration: 56:56 — 52.2MB) | Embed

Subscribe: Apple Podcasts | Android | Email | RSS | More

Wednesday, October 6th, 2021

Debbie brings in Loan Officer and Real-Estate Veteran Heather Barkley-Kilpatrick to talk everything Mortgage and Real-Estate.

Debbie starts off the show by giving a shout out to all her new radio markets: San Antonio, Savanna, Lake Havasu, and Las Vegas.
Debbie and Heather bring up the subject of what it’s like to “stage” a house so it’s ready to be sold, especially because Debbie is currently in the middle of selling her home.
Debbie talks about her fear of putting her house up for sale before finding another home to buy.
Heather and Debbie explain in depth the pros and cons of contingency. Heather suggests for sellers to put their home on the market so they can at least see the kind of offers that can come in, which can give the seller an idea of what kind of equity they are looking at having to purchase another home.
Heather explains what closing concurrently is in relation to buying and selling a home.
Debbie reminds everyone that interest rates are going to rise, so it’s best to call in and get a plan going immediately so there aren’t any regrets.
Debbie goes on to say that “It’s not a question of “IF” interest rates are going to rise, it’s a question of when.”
Debbie and Heather then answer questions live from audience members with very informative answers. They say that the best thing to do is to connect with them through the Mortgage Mom App, e-mail or to just call in. They are here to help you every step of the way!

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

Clients and audience members must text the word “mom” to the phone number 844-935-3634 (We Lend 4 You) to get updates and links. So do that TODAY!

How do you schedule a phone consultation with mom? BOOK NOW Get your free consultation today!

Podcast: Play in new window | Download (Duration: 57:07 — 52.4MB) | Embed

Subscribe: Apple Podcasts | Android | Email | RSS | More

Wednesday, September 29th, 2021

On today’s show, Debbie brings in Team Members, Larry Ehrlich aka “The Mortgage Dad,” Cindy Russon, and Heather Barkley-Kilpatrick, to talk about the infamous question, should buy now or wait?

Larry points out that the rates are for sure going to rise according to the Feds. He also suggests that people should investigate buying if they are renting at this time.

Debbie then explains what “tapering” means in the world of finance while Larry explains inflation in relation to rates.

Heather jumps in and discusses her calculations with lower interest rates vs. higher interest rates and what that means to your bottom-line sales price.

Cindy and Heather talk about the housing crisis and how there is a housing shortage, especially in California. Debbie doesn’t think people should “wait” to buy. If there is an opportunity to get a home, “do it” she says, especially because of the U.S. being 5 million homes short.

The team discusses the topics of forbearances, foreclosures, and evictions. Debbie gives highly educational viewpoints and scenarios on what could happen to homeowners if they try to refinance down the road when interest rates are higher, especially if they were in forbearance.

With her real-estate background, Heather focuses on the details of how forbearance can force homeowners into selling or foreclosing. She goes on to say that a short sale is always better than a foreclosure.

Larry and the team say that potential clients should always reach out to Mortgage Mom Radio if they are feeling bleak about their financial situation. They are here to help you no matter what your situation might be.

The whole team agrees that at this point in time, the best investment anyone can make would be in rentals. Debbie says that even if property values drop, rent will not. If anything, rent will increase says Heather.

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

Clients and audience members must text the word “mom” to the phone number 844-935-3634 (We Lend 4 You) in order to get updates and links. So do that TODAY!

How do you schedule a phone consultation with mom? BOOK NOW Get your free consultation today!

Podcast: Play in new window | Download (Duration: 57:02 — 52.3MB) | Embed

Subscribe: Apple Podcasts | Android | Email | RSS | More

Mortgage Mom Radio Workshop – Understanding your credit score and tips and tricks to increase it.

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

Clients and audience members must text the word “mom” to the phone number 844-935-3634 (We Lend 4 You) in order to get updates and links. So do that TODAY!

How do you schedule a phone consultation with mom? BOOK NOW Get your free consultation today!

Podcast: Play in new window | Download (Duration: 52:29 — 53.0MB) | Embed

Subscribe: Apple Podcasts | Android | Email | RSS | More

Do you have lien’s against the title of your home? If you have a mortgage, you have a lien. There are other liens that could be filed against your home as well and maybe you don’t even know! Consider the list below, do any of these sound familiar? if you are looking to refinance, we need to know if any of these things may have happened or could exist. It is very important to discuss everything you owe to everyone that you owe it, even if it might not be on your credit report.

Home Equity Line of Credit
SBA loan
HERO loan
Pace Loan
Loan Modification
Loan Deferment
Down Payment Assistance
Back Child Support
Back Alimony
IRS or State Tax balances

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

Clients and audience members must text the word “mom” to the phone number 844-935-3634 (We Lend 4 You) in order to get updates and links. So do that TODAY!

How do you schedule a phone consultation with mom? BOOK NOW Get your free consultation today!

Podcast: Play in new window | Download (Duration: 56:59 — 52.2MB) | Embed

Subscribe: Apple Podcasts | Android | Email | RSS | More

Wednesday, September 8th, 2021

RE: Locking in your interest rate – Can you still make changes?

Debbie’s co-host today is, mortgage educator and loan officer, Larry Ehrlich, or more lovingly referred to at the company as, our mortgage dad 🙂

At the top of the show they discuss the incredibly hot weather in Valencia, Debbie’s new pink boat and other fun topics like “pumpkin spice weather.”

Debbie tells her audience that her team is a “One Stop Shop” and are here to help seven days a week. The team is very reachable. Quoting Debbie, “All you have to do is reach out, no matter what state you are in!” If you are looking to buy, sell, refinance, or all three, they can get you moved forward in the right direction.

Debbie and Larry jump into Mortgage after their quick catch up and begin to discuss the dynamics of locking in your interest rate. When clients ask about locking in rates, Larry says that rates are always constantly changing and that it’s always a risk as to whether it will be decent one day but better the next, and vice versa.

Diving deeper, interest rates are based upon the client’s FICO score and financial history says Debbie. She also says that the applications need to be filled out completely in order to get an accurate interest rate, especially when it comes to your debt to income ratio. Larry says that once you are locked into a rate you are locked in! If the rates get worse during your lock period, you are still locked in. Or if the rates get better, you are locked in! So it can go both ways. The market is very volatile says Larry.

Debbie mentions that in order to keep the locked in “agreed upon” rate, the client must be ready within that rate lock period, typically 30 days. If you are not ready to close within your rate lock term, an extension fee will be incurred. We want to avoid that if at all possible. How do you make sure that you do not get hit with that rate lock extension fee? Be responsive and get in all of your documentation as fast as possible upon request.

Debbie discusses the rate lock being tied to the day that it was requested, not your loan amount or loan program or term. All of those things can be changed along the way but your interest rate is tied to the rate sheet and what was available on the rate sheet issued when the lock was originally requested.

Larry’s opinion, “If clients are happy with their rate, lock it, especially because rates are on an upward trend at this time within the market.”

The Mortgage Mom team is here every step of the way to help their clients through the application process. Debbie says, “Use the Mortgage Mom Radio App, send us an e-mail or just call in! Getting a free phone consultation is your first step in this process!” The whole goal of Mortgage Mom Radio is to create a game plan for our clients and to educate them. It is the very best way to see your goal past the finish line.

How do you schedule a phone consultation with mom? BOOK NOW Get your free consultation today!

We are LIVE on YOUTUBE every Wednesday. Watch us record our show! Want to be interactive with us live during the show? Or, want to download our phone app? Text “MOM” to 844-935-3634 to receive a weekly link to join. You will also receive the link to download the app.

Thinking of buying your first home and you have no idea where to start? Watch our HOMEBUYER WORKSHOP SERIES on YouTube!

We would love your support help Mortgage Mom Radio continue to bring you free education weekly. Buy a shirt, a beer mug, or beach bag. Check out our T’Shirts and More Store!

Debbie Marcoux is licensed by the Department of Financial Innovations 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

Podcast: Play in new window | Download (Duration: 57:03 — 52.3MB) | Embed

Subscribe: Apple Podcasts | Android | Email | RSS | More

Wednesday, August 25th, 2021

What happened on today’s show?

At the top of the show, Debbie and Heidi go into their segment, “Catching Up With Mom” where they reflect on their weekends. Heidi talks about Las Vegas and Debbie talks about Lake Havasu. Debbie pleads for her audience to contact her if they have any “mom” remedies to cure car sickness for children.

Debbie reminds her listeners that her team is open for business 7 days a week for phone appointments.

She is also excited to talk about the Mortgage Mom Radio Phone App is highly efficient and a great way to get things started. You can do EVERYTHING through that App. Heidi drills down on her favorite features of the App, especially the mortgage calculator. Heidi also gives great examples on how to use that calculator with various mortgage and lending-related scenarios, including mortgage insurance calculations. The efficiency of this App is awesome and it helps with giving a very realistic estimate for their clients.

Debbie and Heidi go on to discuss bonus income: Retention bonuses, guaranteed bonuses and sign-on bonuses.

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

Clients and audience members must text the word “mom” to the phone number 844-935-3634 (We Lend 4 You) in order to get updates and links. So do that TODAY!

How do you schedule a phone consultation with mom? BOOK NOW Get your free consultation today!