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. 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 - Podcast

Refinance While Values Are High

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! 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

The stress of buying and selling your home concurrently!

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

Should you buy in today’s market or wait?

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  

Understanding your Credit Score & Tips to Improve It

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! 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  

Title Lien’s – Do you owe more than just your first mortgage?

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

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

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    

Using your bonus income to qualify!

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

Homebuyer Workshop Unit 15- Closing Your Loan

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 Mortgag...

VA Cash Out Refinance to 100%

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

How to buy or refinance during divorce!

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?   “Catching Up with Mom.” Debbie reflects on her trip to Lake Havasu last weekend, while Heidi talks about the fascination, she was with the monsoons outside of her home.   Debbie is also excited to announce the official Mortgage Mom Radio online store (now available) where you can purchase MMR merchandise through their website. STORE/T-SHIRTS & MORE   Debbie takes a great question from a caller who is in the movie industry and who is also a veteran looking to buy his first home. The caller asks about just starting a new job and his Debt-to-Income Ratio. How does that all work? Debbie gives great educational direction, and the caller has an “Aha moment.” This brings up the point that every situation and circumstance is different based upon the various backgrounds of potential clients. So therefore, it is important for anyone listening that is considering getting a loan or Refi should be calling in for a consultation.   Debbie moves onto the subject of DSCR or Debt Service programs for investors where the property qualifies on its own for the financing, not the borrower’s income.   Heidi then takes on bank statement loan programs for self-employed borrowers.   Next week, they will be talking about Divorce. What you need to know if you are trying to buy a new home or refinance your current home but the divorce is not final yet.   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

Can You Get Financing With A New Job?

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: How often do I need to update documents and have my credit re-run to keep my Pre-Approval active? I would like to buy a second home in Las Vegas, can you refer me to a new agent? Can I put down 3% to buy a second primary residence? Should I take a Home Equity Line of Credit to pull out cash from my free and clear home to purchase an investment property? 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

Hero/Pace Loans – Refinance to pay off your balance and reduce property tax bill!

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  

Should You Refinance During A Remodel?

Wednesday, July 7th, 2021 - On today’s show, Debbie brings in Team Member and Loan Assistant Heidi Slagle-Points once again to talk about the Mortgage/Lending industry. They start off the show with their segment “Catching Up With Mom” where they both reflect on their 4th of July weekend . Heidi then asks the audience and future buyers to not pay off their debt if it’s already being included on their loan. This will substantially delay the process due to the tremendous amount of extra paperwork, etc.. This was the first week that Debbie took live calls with questions during the YouTube Live Stream. How do you call us with your questions and get to hear yourself on radio? Text "MOM" to 844-935-3634 to opt in for a reminder text message each week with the link to click when we go live.  Here are some of the topics that came up during our live question and answer session this week: Appraisals - Getting them ordered Turn-around time on applications - How fast can we close? Mortgage insurance (M.I.) Refinancing for cash out to buy an investment property “Intent to Proceed” document. The faster and more efficient the clients are with their documents, the quicker the turn-around time for appraisals and underwriting  They compare FHA Loans versus V.A. Loans and how V.A. Loans are always better to use if you are eligible and your down payment is limited V.A. Loans cannot be used for investment properties, only primary residences Heidi drills down on the benefits of doing a V.A. Cash-Out refinance Debbie explains what a Mixed Use Property is  She also talks with an audience member about their forbearance situation. Heidi chimes in with the benefit of a deferment package     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'll 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 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 Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today!  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, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881    

Want to be on the Show? Text “MOM” to 844-935-3634!

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!   We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with 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! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP 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

Gift Of Equity Purchase

Mortgage Mom Radio is a mortgage and real estate advice show. We help all those who are navigating the real estate, home buying, and mortgage process. You are encouraged to call us with all of your questions 844-935-3634! Our phones are answered 24 hours to help you. Want to be a guest on our next show? Call in Saturday mornings between 7AM and 8AM.

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Mortgage Mom Radio - Podcast

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