Make the first step towards owning your own home today! Your home purchase and the equity that you create with help to build your financial future! Workshop 201 focuses on Finding the right real estate agent for you and your family. Learn what those important questions are that you should be asking to identify the right person for you. If you missed Workshop’s 101-106, go back and watch those as we are bringing you start to finish through the home buying process! Subscribe now to get updates as we release new homebuyer workshops and our refinance series coming soon!

How do you get through to Mom? Email is a fantastic way to get through to the Mortgage Mom! Debbie@MortgageMomRadio.com Text messages and phone calls are great too! Do you know how to contact us? Text the word “MOM” to 474747 or give us a call 844-935-3634!

Download our Phone App loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube!

Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by “CA Department of Business Oversight under the California Residential Mortgage Lending Act” # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Here’s a text I recently received “Mom: me and my boyfriend are looking to buy a home in Murietta or Menifee. We make about 75k combined, but he has 20k in debt. As first time buyers, what should be our priorities?” Listen as I break it down in this episode!

Do you have any mortgage questions that you would like to ask? Text the word “MOM” to 474747 or give us a call 844-935-3634!

All of 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 last but not least, watch our weekly Homebuyer Workshop Series on YouTube!

Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by “CA Department of Business Oversight under the California Residential Mortgage Lending Act” # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Today’s Question from a listener: I filed Bankruptcy in 2012, can I buy a house?

Bankruptcy is scary but you can purchase a home within two years of the discharge date. There are alternative programs that will allow you to buy a home immediately following a bankruptcy and…. did you know that if you are in the middle of a Chapter 13 bankruptcy that you can get financing with 12 months of payments under your belt?

Do you have any mortgage questions that you would like to ask? Text the word “MOM” to 474747 or give us a call 844-935-3634!

All of 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 last but not least, watch our weekly Homebuyer Workshop Series on YouTube!

Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by “CA Department of Business Oversight under the California Residential Mortgage Lending Act” # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Today on Mortgage Mom Radio , it’s all about credit! Do you have issues that you would like to resolve?

Do you have any mortgage questions that you would like to ask? Text the word “MOM” to 474747 or give us a call 844-935-3634!

All of 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 last but not least, watch our weekly Homebuyer Workshop Series on YouTube!

Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by “CA Department of Business Oversight under the California Residential Mortgage Lending Act” # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

 

No Credit or Rebuilding Credit, this is the place to start! Learn how to move forward whether it’s for the first time or just starting over! 

Do you have any mortgage questions that you would like to ask? Text the word “MOM” to 474747 or give us a call 844-935-3634!

All of 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 last but not least, watch our weekly Homebuyer Workshop Series on YouTube!

Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by “CA Department of Business Oversight under the California Residential Mortgage Lending Act” # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

 

Mortgage Mom Radio now has a Homebuyer Workshop on YouTube. Are you thinking about buying a home and you’ve never done it before? Go to our Mortgage Mom Radio Channel and start with Workshop 101 and move through each of the 30 minutes videos in the series!

Do you have any mortgage questions that you would like to ask? Text the word “MOM” to 474747 or give us a call 844-935-3634!

All of 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 last but not least, watch our weekly Homebuyer Workshop Series on YouTube!

Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by “CA Department of Business Oversight under the California Residential Mortgage Lending Act” # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

 

Homeowners, this is a FREE Event! Click on “MORE INFO” below to get register!

What will be covered?

Homeowners’ Insurance Policy Review
It could never happen to me, or could it? The Malibu fire destroyed more than 616 homes and other structures. Standard homeowners’ insurance policies provide coverage for disasters such as damage due to fire, lightning, hail, and explosions, and if the limit of your insurance policy is based on your mortgage (as some banks require), it may not adequately cover the cost of rebuilding. Our recommended State Farm Insurance Agent, Tom Hindman, will review your coverage at this event (regardless of the company it is from) and make sure it is sufficient coverage on your property in case of a disaster.

Proposition 60 or Proposition 90
Can I use Proposition 60 or Proposition 90 on my next real estate purchase? Meet with our local title representative, Ronna Luna, to learn how to position yourself to take advantage of transferring the base year value of your current residence to your next property.

Refinancing or Financing to Invest in Additional Real Estate
Is refinancing right for you? Meet with one of our preferred lenders, Deborah Marcoux, well known as the “Mortgage Mom” on GoCountry 105 to discuss refinancing or financing for your next real estate investment purchase.

Life Insurance Policy
Security is no accident. Term life insurance is a very economical way to secure your family’s future. A $500,000 30-year guaranteed term life policy can be as little as $78.74 per month. (This policy amount is based on a 35-year-old male.) Our recommended State Farm Insurance Agent, Tom Hindman, will be present to discuss life insurance policies.

Homeowners’ Property Tax Exemption
Have you filed for your homeowners’ property tax exemption? Our title representative, Ronna Luna, will check to see if you have filed this exemption and give you the application to fill out if you have not already filed it.

Current Vesting
What is your current vesting on your property? We will send you a copy of your grant deed within 48 hours for you to confirm your current vesting on your property. Ronna Luna, our title representative, will be providing you with some vesting information as well.

 

 

Do you have any mortgage questions that you would like to ask? Text the word “MOM” to 474747 or give us a call 844-935-3634!

All of 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 last but not least, watch our weekly Homebuyer Workshop Series on YouTube!

Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by “CA Department of Business Oversight under the California Residential Mortgage Lending Act” # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

 

Don’t miss mom’s diaper discussion about cloth vs Pampers vs Huggies! 

Do you have any mortgage questions that you would like to ask? Text the word “MOM” to 474747 or give us a call 844-935-3634!

All of 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 last but not least, watch our weekly Homebuyer Workshop Series on YouTube!

Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by “CA Department of Business Oversight under the California Residential Mortgage Lending Act” # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

 

If you are already in escrow and your loan officer calls with new terms, should you just accept the higher rate and new terms offered, or do you have time to shop around?

Want to know more about calling Mortgage Mom Radio?

Do you have any mortgage questions that you would like to ask? Text the word “MOM” to 474747 or give us a call 844-935-3634!

All of 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 last but not least, watch our weekly Homebuyer Workshop Series on YouTube!

Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by “CA Department of Business Oversight under the California Residential Mortgage Lending Act” # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

 

 

What is a blended rate calculator and why does mom trust it? Where do first time-buyers start if they are ready to start exploring the process?

Do you have any mortgage questions that you would like to ask? Text the word “MOM” to 474747 or give us a call 844-935-3634!

All of 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 last but not least, watch our weekly Homebuyer Workshop Series on YouTube!

Debbie Marcoux CA-DBO237926, AZ-0941504, TX, NV-57237 | JMJ Financial supports Equal Housing Opportunity. NMLS ID# 167867 (http://www.nmlsconsumeraccess.org/) | 877-314-1499. JMJ Financial is licensed by “CA Department of Business Oversight under the California Residential Mortgage Lending Act” # 41DBO-46011, AZ # 0943949, TX #167867. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.