On today’s show, Debbie brings in Team Member and Loan Officer Carrie Margulies to talk shop. They start the show off with “Catching Up with Mom” where they chat about last Father’s Day weekend, Debbie’s Lake Havasu birthday and the big upcoming fireworks concert in Moorpark/Thousand Oaks on July 3rd. Debbie even offers her audience two free tickets for that concert if they download the Mortgage Mom Radio App.
Carrie brings up the ongoing theme of clients having cash for a down-payment but not having proof of where it came from. Debbie and Carrie talk about the importance of depositing cash and letting it “season” in order for it to become usable funds. They drill down on how they can work with those amounts of cash by giving scenarios.
This leads them to the subject of “Gift of Equity Purchase.” Carrie expands on this subject by giving a current example of one of her loans and the benefits of “gifting.” Debbie expands even more on that topic when she talks about the “Parent to Child” gifting. They also take great questions on the subject of gifting from their audience.
Debbie is determined to get a jingle recorded for her new 800 number along with accepting phone calls “live” for her next show.
Rates are still phenomenal according to Debbie and Carrie so pulling cash out and doing a refi is beneficial at this time.
They talk Escrow, title insurance, cancelling mortgage insurance, paying off student loans, homeowner’s insurance, investment properties, closing costs and inherence of property taxes.
Debbie states that the goal of her show is to educate her audience with the wisdom her team have already acquired through their many combined years of finance. She says that there is no such thing as a dumb question. Reach out today!
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Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881