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

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.

  1. Home Equity Line of Credit
  2. SBA loan
  3. HERO loan
  4. Pace Loan
  5. Loan Modification
  6. Loan Deferment
  7. Down Payment Assistance
  8. Back Child Support
  9. Back Alimony
  10. 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!

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 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

Wednesday, July 21st, 2021

What is going on in this week’s show?

Debbie Marcoux, the Mortgage Mom, brings in Co-Host, Heidi Slagle-Points, to talk Lending and Mortgage. They start off the show with their segment “Catching Up with Mom” where they both reflect on their weekends. Debbie asks her sound editor, Drewin Young, to write another jingle for her toll-free number.

Debbie gives a shot out to Seattle, WA and Las Vegas, NV since she is now on radio stations in those states.

She offers to interview, both on camera and on radio, any previous client willing to talk about their experience with her company. What better way to get the word out then real testimonials! YOU too can be on the show, just give Mortgage Mom Radio a call!

Since the show is interactive, the questions asked by listeners this week were as follows:

Debbie will take your questions “live” during the show. Text “MOM” to 844-935-3634 to receive the link to get in each week. You must call in during that hour while they are streaming live if you would like to be part of the show.

Debbie and Heidi talk current interest rates and Pace Hero Loans (loans for energy efficient improvements). Heidi drills down on this subject of Pace Hero Loans and expands on the benefits of refinancing them to lower monthly payments and monthly property taxes. Debbie then gets very detailed on how this Pace Hero Loan process works by giving different types of scenarios.

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. Make sure to SUBSCRIBE to our channel and turn on your notifications to know when we get started. Or text “MOM” to 844-935-3634 for a weekly reminder link 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!

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

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, July 14th, 2021 – On today’s segment, Debbie brings in Loan Officer and Real-Estate Agent Heather Barkley-Kilpatrick to discuss important topics. They start off the show by answering comments and questions “live.” Debbie states that her show is FREE and that the goal of her show is to get her audience and clients educated on the Mortgage & Loan industry.

Debbie also makes an important announcement that her company is NOT affiliated with Movement Mortgage any longer for they are now with JMJ Financial. To avoid confusion and solicitation, Debbie asks that her audience members and clients should always contact her directly.

They talk about Bank Statement Loans and how beneficial that program can be for people that are self-employed.

Debbie explains a recent incident they had with a client after all the leg work had been done on the client’s loan. The story goes: The house the client was trying to buy was in complete shambles, but nobody knew that until the loan was on the verge of getting processed. Unfortunately, the client neglected to bring up the condition of the house. This situation can tie the hands of the lender. This incident also brings up the subject of Renovation Loans and how important it is for clients to always be upfront with their buying plans. Debbie claims that even if the house needs minimal remodeling, this needs to be disclosed to the lender. Debbie and her team will always lead her clients down the proper path if the clients are upfront and honest about their situation.

Debbie and Heather say that it is always a good time to buy, especially if you are buying a home to live in it. Real-estate is for the long term.

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. Make sure to SUBSCRIBE to our channel and turn on your notifications to know when we get started. Or text “MOM” to 844-935-3634 for a weekly reminder link 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!

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

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

 

 

A Look Into the Markets

 

 

As we enter the second half of 2021, we want to review where we are with the economy, rates, and what to look for in the second half of the year. The 10-year note yield, a proxy for long-term rates, is hovering near 1.45%, matching multi-month lows. This has helped keep mortgage rates near 3%, below many economist expectations.

What happened? Why are rates still low, providing yet another opportunity for would-be homeowners? The bond market is forward-looking and is seeing slower progress on the job creation front. At the moment, there are still over 9M job openings, a record high. Additionally, while fears of higher and sustained inflation are all over the place, the bond market is currently telling us the fears are misguided. If future inflation is to be higher and persistent, rates would already be creeping higher.

This does not mean it’s clear sailing ahead for continued low rates. Over the next couple of months, we will be watching both the inflation a nd jobs data to determine when the Fed might start tapering bond purchases.

There are rumors amongst Wall Street that the Federal Reserve will start tapering mortgage bonds purchases first, meaning they will gradually buy fewer bonds. When the Fed mentions they will start buying less, that may be the start to higher mortgage rates. The main reason is mounting pressure to start buying fewer bonds and ultimately stop buying them all together, which means rates in the second half of 2021 are likely to be higher than they are right now.