Meet Debbie Marcoux.
Branch Manager, host, educator, and three-decade mortgage professional on a mission to make home financing something you actually understand.
Debbie Marcoux is a licensed mortgage loan originator (NMLS #237926) and host of the Mortgage Mom Radio podcast and weekly live show. She has over 30 years of mortgage and real estate experience and is currently a Branch Manager at JMJ Financial Group (NMLS #167867).
Debbie is licensed to originate mortgages in 13 U.S. states: Arizona, California, Florida, Georgia, Hawaii, Idaho, Illinois, Nevada, North Carolina, Oregon, Tennessee, Texas, and Washington. She specializes in conventional, FHA, VA, jumbo, DSCR (debt-service coverage ratio) investor loans, and bank-statement loans for self-employed borrowers.
Verify Debbie's license on the NMLS Consumer Access registry.
A 30-year career, two real estate careers, and a mission.
Debbie started her real estate career in 1995 at the age of 18, selling homes through some of the most formative years of the California market. In 2001, her first son was born, and the unpredictable schedule of a working real estate agent gave way to something more sustainable. In 2002, she pivoted into mortgage lending — a side of the business that let her use the same client relationships, the same market expertise, and the same instinct for guiding people through big decisions, with the office hours that come with raising a family.
She has been originating mortgages ever since. Over the course of 24+ years in lending (and a full 31 years in real estate overall), Debbie has helped thousands of families through every kind of market — the housing boom, the 2008 crash, the rate-shock years, and everything in between.
“Mortgage Mom Radio is a real estate and mortgage education program. Early in my career I found that most of the issues that would arise for a client was simply due to not having enough knowledge or education about the homebuying and home financing process, the market, or the opportunities available to meet their goals.
Watching my clients struggle and realizing that there is a deep need for education in this field, I developed Mortgage Mom Radio. We also help our clients choose the right mortgage program to fit their needs — Conventional, FHA, VA, Bank Statement, Investment Programs, Renovation, Fix & Flip, Reverse, and more.
30 years later, both of my sons have also joined the team. If you need help and don't know who to call — call MOM.” — Debbie Marcoux
From Saturday-morning radio to live Wednesdays on YouTube.
The show has worn three different faces over the last decade. The mission — free, honest, plain-English mortgage education — never changed.
Saturday mornings on Go Country 105.
The show launched on live radio in Los Angeles — an unusual home for mortgage education, but it worked. Listeners called in with real questions every week.
The radio show became a podcast.
As listeners began catching the show on demand instead of live, the format shifted naturally to podcasting — available everywhere, anytime, on every app.
Live every Wednesday at 3PM PST on YouTube.
The current chapter is a weekly live show. “I love the listener interactions and live questions during the show,” Debbie says — and viewers can text LIVE to 844‑935‑3634 to get the link delivered to their phone every week.
Both of her sons are on the team.
The same first son whose 2001 arrival kicked off Debbie's switch into mortgage is now part of the business. So is his younger brother. Both are currently working alongside Debbie as Loan Officer Assistants and Production Managers of the podcast and YouTube channel — and they're instrumental in the team's success. Both are scheduled to be licensed within the next month, continuing the Mortgage Mom legacy.
- Manuel “Manny” Zermeno NMLS #2403157
- Miguel “Mikey” Zermeno NMLS #2850875
Same team. New home base.
Debbie recently moved from Valencia, CA to Lake Havasu City, AZ and now runs her branch from her new location. It's the same awesome team and the same excellent service her clients have come to expect — just a new view out the window.
The full toolbox.
Choosing the right loan program is half the battle. These are the programs Debbie works with every day.
Not sure which one fits? That's exactly what the conversation is for. Schedule a call.
If you need help and don't know who to call — call MOM.
Whether you're buying your first home, your fifth, or refinancing what you already have, start with a conversation. No pressure, no jargon, no surprises.