Mortgage Mom Radio

Debbie Marcoux NMLS ID 237926

Mortgage Mom Radio is a mortgage and real estate education show hosted by Debbie Marcoux, NMLS ID 237926. I help all those who are navigating the real estate, home buying, and mortgage process. Mortgage Mom Radio is a DBA of JMJ Financial NMLS ID 167867, JMJ Financial Group is licensed by the California Department of Financial Protection and Innovation under the Residential Mortgage Lending Act, License number 41DBO-46011 | CA DBO 603 F427. Debbie Marcoux NMLS ID 237926. All licensing information can be found at https://www..nmlsconsumeraccess.org/

  1. 2d ago

    Low Appraisal? Don't Panic. Here's How to Save the Deal

    You're under contract, and the appraisal comes in below the price. Now what? The deal isn't dead. In this show I walk through the four real options you have, how to challenge an appraisal the right way, and what to do before the appraiser ever comes out. On Fannie Mae and FHA loans you get one formal challenge per appraisal, so I'll show you how to make it count. What I cover: - Why a low appraisal matters, and what the lender actually lends on - Your four options: renegotiate, bring more cash, challenge it, or walk away - How a reconsideration of value works, and what makes a strong request - What doesn't work when you challenge an appraisal - Your right to see the appraisal before closing - Three things to do before the appraiser shows up Text LIVE to 844-935-3634 Live every Wednesday at 3PM PT FOLLOW ME Instagram: https://www.instagram.com/mortgagemomradio/ TikTok: https://www.tiktok.com/@mortgage_mom_radio Facebook: https://www.facebook.com/MortgageMomRadio/ YouTube: https://www.youtube.com/@MortgageMomRadio LISTEN TO THE PODCAST New episode every Wednesday Apple Podcasts: https://podcasts.apple.com/us/podcast/mortgage-mom-radio/id1304740997 Spotify: https://open.spotify.com/show/2SbAZaXjpchmWN0JUe0Oag Amazon Music: https://music.amazon.com/podcasts/80ba9751-f236-4839-97dc-0728fbbde563/mortgage-mom-radio All episodes: https://www.mortgagemomradio.com/podcast/ #LowAppraisal #HomeAppraisal #ReconsiderationOfValue #HomeBuying #FirstTimeHomeBuyer #MortgageTips #MortgageMomRadio #NMLS237926 Recorded October 21, 2026. Market conditions and interest rates can change. This is general education, not legal, tax or financial advice, and not a rate quote or a commitment to lend. Debbie Marcoux NMLS 237926.

  2. Oct 7

    Renting Out Your Current Home to Buy Your Next One? Fannie Mae's New Rules Start December 1, 2026

    Thinking about keeping your current home as a rental and buying your next one? Starting December 1, Fannie Mae changes how lenders count the rent from the house you're leaving, and some lenders may start sooner. A signed lease won't do it anymore, the rent has to be supported by the market, and the rent can cancel your old payment but can't add to your income. If you've been a landlord for less than a year, there's a reserve requirement too. Here's what it means for you, and how to plan if you're buying in the next few months. What I cover: - What a "departing residence" is, and why lenders treat it differently - Why a lease no longer counts, and what replaces it - The 75 percent rule, and how the rent is applied to your old payment - The six months of reserves you may need if you're new to being a landlord - When the new rules start, and why some lenders may use them earlier - How to plan if you're buying before or after December 1 Text LIVE to 844-935-3634 Live every Wednesday at 3PM PT FOLLOW ME Instagram: https://www.instagram.com/mortgagemomradio/ TikTok: https://www.tiktok.com/@mortgage_mom_radio Facebook: https://www.facebook.com/MortgageMomRadio/ YouTube: https://www.youtube.com/@MortgageMomRadio LISTEN TO THE PODCAST New episode every Wednesday Apple Podcasts: https://podcasts.apple.com/us/podcast/mortgage-mom-radio/id1304740997 Spotify: https://open.spotify.com/show/2SbAZaXjpchmWN0JUe0Oag Amazon Music: https://music.amazon.com/podcasts/80ba9751-f236-4839-97dc-0728fbbde563/mortgage-mom-radio All episodes: https://www.mortgagemomradio.com/podcast/ #DepartingResidence #RentalIncome #FannieMae #MoveUpBuyer #HomeBuying #MortgageTips #MortgageMomRadio #NMLS237926 Recorded October 7, 2026. Market conditions and interest rates can change. This is general education, not legal, tax or financial advice, and not a rate quote or a commitment to lend. Debbie Marcoux NMLS 237926.

  3. Sep 30

    Buy First or Sell First? The Move-Up Playbook for Today's Market

    Found your next home before you've sold the one you're in? You have more options than you think, and in today's market sellers are more willing to work with you than they've been in years. I'll walk you through the five ways to bridge the gap between your current home and your next one, the Fannie Mae change coming for anyone who wants to keep their house as a rental, and the move most people have never heard of for lowering your new payment after the old house sells. What I cover: - Selling first, and how a rent-back keeps you from moving twice - Making your offer contingent on selling - Bridge loans, and a home equity line on your current home - Keeping your house as a rental, and the new Fannie Mae rules starting December 1 - Recasting your new loan after the old one sells - How to pick the route that fits your equity, income and market Text LIVE to 844-935-3634 Live every Wednesday at 3PM PT FOLLOW ME Instagram: https://www.instagram.com/mortgagemomradio/ TikTok: https://www.tiktok.com/@mortgage_mom_radio Facebook: https://www.facebook.com/MortgageMomRadio/ YouTube: https://www.youtube.com/@MortgageMomRadio LISTEN TO THE PODCAST New episode every Wednesday Apple Podcasts: https://podcasts.apple.com/us/podcast/mortgage-mom-radio/id1304740997 Spotify: https://open.spotify.com/show/2SbAZaXjpchmWN0JUe0Oag Amazon Music: https://music.amazon.com/podcasts/80ba9751-f236-4839-97dc-0728fbbde563/mortgage-mom-radio All episodes: https://www.mortgagemomradio.com/podcast/ #MoveUpBuyer #BuyBeforeYouSell #BridgeLoan #ContingentOffer #HomeBuying #RealEstate #MortgageTips #MortgageMomRadio #NMLS237926 Recorded September 30, 2026. Market conditions and interest rates can change. This is general education, not legal, tax or financial advice, and not a rate quote or a commitment to lend. Debbie Marcoux NMLS 237926.

  4. Sep 23

    Short Sales Are Back: The Truth for Buyers Hunting a Deal and Sellers Who Are Struggling

    Short sales are coming back for the first time since the Great Recession. If you're struggling with your mortgage payment, a short sale may be a better path than foreclosure, and the time to act is before you miss your first payment. If you're a buyer hoping a short sale will get you a better deal, there's a lot you need to know before you make an offer. What I cover: - What a short sale is, and why they're rising again - When to call your lender, and who else to call - How sellers qualify, and why the hardship letter matters - What happens with the leftover balance, taxes and your credit - Why a short sale can take months, and how buyers should prepare - Whether a short sale is really a better deal Text LIVE to 844-935-3634 Live every Wednesday at 3PM PT FOLLOW ME Instagram: https://www.instagram.com/mortgagemomradio/ TikTok: https://www.tiktok.com/@mortgage_mom_radio Facebook: https://www.facebook.com/MortgageMomRadio/ YouTube: https://www.youtube.com/@MortgageMomRadio LISTEN TO THE PODCAST New episode every Wednesday Apple Podcasts: https://podcasts.apple.com/us/podcast/mortgage-mom-radio/id1304740997 Spotify: https://open.spotify.com/show/2SbAZaXjpchmWN0JUe0Oag Amazon Music: https://music.amazon.com/podcasts/80ba9751-f236-4839-97dc-0728fbbde563/mortgage-mom-radio All episodes: https://www.mortgagemomradio.com/podcast/ #ShortSale #Foreclosure #HomeBuying #Homeowners #RealEstate #MortgageTips #MortgageMomRadio #NMLS237926 Recorded September 23, 2026. Market conditions and interest rates can change. This is general education, not legal, tax or financial advice, and not a rate quote. Debbie Marcoux NMLS 237926.

  5. Sep 16

    How Fannie Mae's ADU Rule Helps Buyers Qualify Using Rental Income

    If you are looking at a home with a casita, a guest house, or a converted garage, the rent from that unit may now help you qualify. Fannie Mae announced the change in October 2025, and it has been part of its automated underwriting since March 2026. I also start with a quick update on today's Federal Reserve rate decision. What I cover: - Today's Fed decision in two minutes - What counts as an accessory dwelling unit - Who this rule applies to, and who it does not - The limits on how much of that income can count - Why permitting and the appraisal matter Text MOM to 844-935-3634 to get answers to your questions Text LIVE to 844-935-3634 for go-live alerts Live every Wednesday at 3PM PT FOLLOW ME Instagram: https://www.instagram.com/mortgagemomradio/ TikTok: https://www.tiktok.com/@mortgage_mom_radio Facebook: https://www.facebook.com/MortgageMomRadio/ YouTube: https://www.youtube.com/@MortgageMomRadio LISTEN TO THE PODCAST New episode every Wednesday Apple Podcasts: https://podcasts.apple.com/us/podcast/mortgage-mom-radio/id1304740997 Spotify: https://open.spotify.com/show/2SbAZaXjpchmWN0JUe0Oag Amazon Music: https://music.amazon.com/podcasts/80ba9751-f236-4839-97dc-0728fbbde563/mortgage-mom-radio All episodes: https://www.mortgagemomradio.com/podcast/ #Casita #ADU #GuestHouse #FannieMae #HomeBuying #FirstTimeHomeBuyer #MortgageTips #MortgageMomRadio #NMLS237926 Recorded September 16, 2026. Market conditions and interest rates can change. This is general education, not a rate quote or financial advice. Debbie Marcoux NMLS 237926.

  6. Sep 11

    New Inflation Numbers Are In! What CPI vs PCE Means For Rates Next Week

    UPDATE FOR SEPTEMBER 11, 2026: The fresh August CPI inflation report just dropped this morning! While the exact percentages have updated, the core battle between CPI and PCE remains identical. If you are trying to figure out why the news numbers don't seem to match what you are feeling at the grocery store or what the Federal Reserve is saying about interest rates next week, this video breaks down the exact formula difference you need to know. Two Inflation Numbers. One Says 2.5%, One Says 3.3%. Both Are Right. There are two official inflation reports, and for July they disagreed: core CPI came in at 2.5% and core PCE at 3.3%. Same month, same country, both correct. In this video I walk you through what CPI, core CPI, PCE and core PCE actually measure, which one the Federal Reserve really steers by, and why core CPI is running further below core PCE than at any point since 2000. It comes down to one thing: shelter. I'm not predicting what the Fed will do or where rates go next. This is about understanding the numbers everyone quotes at you. I recorded this on September 9, 2026, so the figures are from the July reports; the August CPI comes out September 11. Sources: U.S. Bureau of Labor Statistics and Bureau of Economic Analysis, via FRED. CHAPTERS 0:00 Two inflation numbers, both correct 1:29 CPI: the fixed basket 3:06 Core CPI: food and energy out 4:09 PCE: what's paid on your behalf 5:44 Core PCE 6:27 What the Fed actually targets 8:27 The inversion: deepest since 2000 10:28 July by July 11:46 Why it flipped: shelter 12:13 Home prices and rates right now 13:52 Revisions and the formula 15:34 Recap 17:35 Live show, weekly text and tools Join me live every Wednesday at 3pm PT right here on YouTube. Text LIVE to 844-935-3634 and I'll text you when I go live. Rates, calculators and my weekly newsletter: https://www.mortgagemomradio.com/ Listen to the podcast Apple Podcasts: https://podcasts.apple.com/us/podcast/mortgage-mom-radio/id1304740997 Spotify: https://open.spotify.com/show/2SbAZaXjpchmWN0JUe0Oag Amazon Music: https://music.amazon.com/podcasts/80ba9751-f236-4839-97dc-0728fbbde563/mortgage-mom-radio Follow along Instagram: https://www.instagram.com/mortgagemomradio/ TikTok: https://www.tiktok.com/@mortgage_mom_radio Facebook: https://www.facebook.com/MortgageMomRadio/ Text MOM to 844-935-3634 #Inflation #CPI #PCE #FederalReserve #MortgageRates #HomeBuying #MortgageMomRadio #NMLS237926 Recorded September 9, 2026. Market conditions and interest rates can change. This is general education, not a rate quote or financial advice. Debbie Marcoux NMLS 237926. JMJ Financial dba Mortgage Mom Radio NMLS 167867. Equal Housing Lender.

  7. Sep 9

    Treasury Buybacks Explained: What Actually Moves Your Mortgage Rate

    The government announced it would spend $6 billion buying back its own bonds last week. That is supposed to push yields down, and mortgage rates with them. Yields went up instead, and the 10-year hit its highest level since 2023. Here is why that happened, and what it tells you about who actually controls your rate. What I cover: - What a Treasury buyback is, in plain English - Why the market wanted more than it got, and why that pushed yields the wrong way - Why it is never just what they do, it is what they do versus what was expected - Where rates actually stand right now, including one surprise on ARMs - What to do if you have been waiting for rates to come down Text MOM to 844-935-3634 Text LIVE to 844-935-3634 for go-live alerts Live every Wednesday at 3PM PT FOLLOW ME Instagram: https://www.instagram.com/mortgagemomradio/ TikTok: https://www.tiktok.com/@mortgage_mom_radio Facebook: https://www.facebook.com/MortgageMomRadio/ YouTube: https://www.youtube.com/@MortgageMomRadio LISTEN TO THE PODCAST New episode every Wednesday Apple Podcasts: https://podcasts.apple.com/us/podcast/mortgage-mom-radio/id1304740997 Spotify: https://open.spotify.com/show/2SbAZaXjpchmWN0JUe0Oag Amazon Music: https://music.amazon.com/podcasts/80ba9751-f236-4839-97dc-0728fbbde563/mortgage-mom-radio All episodes: https://www.mortgagemomradio.com/podcast/ #MortgageRates #TreasuryYields #HomeBuying #FirstTimeHomeBuyer #InterestRates #HousingMarket #RefinanceTips #MortgageMomRadio #NMLS237926 Recorded September 9, 2026. Market conditions and interest rates can change. This is general education, not a rate quote or financial advice. Debbie Marcoux NMLS 237926.

  8. Sep 2

    Can You Take Over Someone Else's 3% Mortgage?

    There are people out there right now paying two and a half or three percent on their mortgage. If that loan is FHA, VA, or USDA, a buyer may be able to take it over instead of getting a new loan at today's rates. It is called an assumption, and almost nobody uses it. This is not the portable mortgage idea from the policy debate. Portable mortgages do not exist in the United States. Assumptions already do. In this video I walk through who qualifies, what it can actually save, and the two things that stop most assumptions from happening. What I cover: - Why this is not the same as a portable mortgage, and why that matters - Which loans are assumable and which are not - What an assumption can save on a typical balance - Why you assume the balance and not the price, and what that gap means for you - What every VA seller needs to understand about their entitlement before they agree to this - What to ask a servicer before you count on any of it If you are looking at a home with an assumable loan, or you are a seller wondering whether yours is worth advertising, let's talk before you commit either way. Text MOM to 844-935-3634 #AssumableMortgage #VALoan #FHALoan #MortgageRates #HomeBuying #FirstTimeHomeBuyer #RealEstateTips #MortgageMomRadio #NMLS237926 Recorded September 2, 2026. Market conditions and interest rates can change. This is general education, not a rate quote or financial advice. Loan assumption is subject to servicer approval and program guidelines. Debbie Marcoux NMLS 237926.

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4.6
out of 5
15 Ratings

About

Mortgage Mom Radio is a mortgage and real estate education show hosted by Debbie Marcoux, NMLS ID 237926. I help all those who are navigating the real estate, home buying, and mortgage process. Mortgage Mom Radio is a DBA of JMJ Financial NMLS ID 167867, JMJ Financial Group is licensed by the California Department of Financial Protection and Innovation under the Residential Mortgage Lending Act, License number 41DBO-46011 | CA DBO 603 F427. Debbie Marcoux NMLS ID 237926. All licensing information can be found at https://www..nmlsconsumeraccess.org/

Information

  • Creator
    Debbie Marcoux NMLS ID 237926
  • Years Active
    2017 - 2026
  • Episodes
    643
  • Rating
    Clean
  • Copyright
    © Copyright 2026 Mortgage Mom Radio. All Rights Reserved.
  • Show Website
    Mortgage Mom Radio

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