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:

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.

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

Wednesday, October 6th, 2021

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

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.

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

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!

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.

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

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!

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.

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

 

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

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!

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.

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

 

 

This is the last piece of the Homebuyer Workshop Series 2021. If you are looking for education on buying a home and have no idea where to start, go to our 2021 Workshop Series on YouTube. The link is below for you to find it easily. Start at the beginning and binge them all of the way through. You’ll be ready to call us and make an appointment by the time you finish!

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.

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 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

Wednesday, August 11th, 2021

Tons of great questions from today’s show, both through YouTube comments and phone calls! Here is a brief rundown from the show this week.

A caller asks Debbie why she decided to create Mortgage Mom Radio? Debbie answers and talks with Heidi about their friendship and how she twisted her arm to be on air.

Debbie and Heidi then take a call LIVE on air with an audience member with some important questions. The caller asks about a rate quote she received from another lender that sounded too good to be true. Debbie and Heidi are there to answer everything in detail, hence giving the caller great direction. After analyzing this call, Debbie points out the ongoing trend of solicitation when it comes to loan opportunities from other lenders. She urges her audience to ALWAYS call in or go to the website and make an appointment with the MMR Team. It’s the best way for clients and audience members to receive the correct information and make the best decisions for themselves with knowledge.

Debbie and Heidi answer more questions LIVE and through social media. The question they always get is: “When is it a good time to buy?” They both agree that it’s always a good time to buy, but not always a good time to sell. Heidi says that right now rates are still low and it’s always better to own something than to rent, especially because rental costs are “insane in every state!” Debbie drills down on the benefit of owning a home versus renting a home when it comes to tax write offs and other long-term benefits. They go on to talk property types, loan to values, credit scores, debt to income ratios and how all these elements affect people differently depending on their background and financial status. “Every situation is different, so call in today!” They say!

Debbie talks about the benefits of the MMR phone App and the new “official” Mortgage Mom Radio Store where you can purchase beer stein/mugs, wine glasses and tumblers. They’ve got beach bags, hats, T-shirts and more!

Debbie reminds her listeners that she is NOT affiliated with Movement Mortgage and that they have been trying to solicit her previous clients by claiming to be working with her and her team. This is clearly a blatant misrepresentation because the solicitors are using Debbie’s name. VERY IMPORTANT: Reach out and contact Mortgage Mom directly, ALWAYS and for everything, even if you get an e-mail saying it’s from Debbie!

Debbie and Heidi move on to talk about VA Cash Out Loans and how 90% financing is the norm right now even though 100% can be available for these types of loans. They take a deep dive on how to get to that 100%. The bottom line, 100% is available and you can obtain the cash you are looking for if you are a veteran. If you have been told that you are limited to 90% then call our team.

Debbie then clarifies that questions from clients and audience members NEED to be sent through e-mail and NOT through TEXT. Clients and audience members must text the word “MOM” to the phone number 844-935-3634 (WE LEND 4 U) to get the phone app and links to watch each live show.

Debbie also announces that her team will be moving back into office space this week, which they are very excited about.

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.

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

Wednesday, August 4th, 2021

  

On today’s show, Debbie brings in Team Member and Loan Assistant Heidi Slagle-Points to talk Lending, Mortgage, and Divorce. Although Heidi is “under the weather” on this segment, she pushes through and makes out like a champ while simultaneously sharing great information! Debbie also announces that her sound man, Drewin Young, is finally working on a new jingle for the Mortgage Mom Radio phone number and hoping to have it ready within the next few weeks.

As usual the girls go into their segment labeled “Catching Up with Mom” and proceed to morph the conversation into the ongoing trend of the Great Migration from California to other states that are less expensive. Debbie explains to her audience to always do their research on all aspects of other states (before making that final decision to leave their current state) when it comes to property taxes, groceries and even gardening. Heidi then adds on by pointing out that her internet is significantly more expensive living in Arizona compared to California.

They move into the hot and difficult topic of divorce where they set up various informative scenarios that deal with buying new homes while in the middle of the separation prior to the finalized divorce proceedings. They drill down on subjects of community property states versus non-community property states, joint accounts, alimony and child support and how to strategically work with these elements and how to properly use them to a client’s benefit.

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.

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 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

Wednesday, July 28th, 2021

Our show is interactive and educational based on Debbie Marcoux, The Mortgage Mom, and her team’s opinions of the business. They are NOT financial advisors!

 

What did we talk about during this week’s show?

 

 

 

 

 

 

 

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.

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