Start your application.
Whether you're buying or refinancing, the first step is the same: a quick conversation about what you're trying to do. Pick whichever way is easiest.
Start a mortgage application with Debbie Marcoux, NMLS #237926, a licensed mortgage loan originator with JMJ Financial Group (NMLS #167867). Debbie is licensed in 13 states: AZ, CA, FL, GA, HI, ID, IL, NV, NC, OR, TN, TX, WA.
Loan programs available: Conventional, FHA, VA, USDA, Jumbo, DSCR (investor), Bank Statement (self-employed), Reverse Mortgage, and Refinance. Applications are processed through a secure encrypted portal — no documents are sent over email.
Full online application
The full 1003 application through Debbie's secure JMJ Financial portal. Takes about 15 minutes and goes straight to her.
Start application →Schedule a call
Pick a time that works for you and Debbie will call. Best if you want to talk through your options before applying.
Book a time →Just ask a question
Not sure what you need yet? Send a quick message and Debbie will get back to you.
Send a message →Run the numbers first
Not ready to talk yet? Use the free tools to see what you'd qualify for.
See the tools →What happens after you apply.
- Discovery call — Debbie calls to understand your goals, timeline, and situation. No pressure.
- Pre-approval — She runs your credit and income, and gives you a pre-approval letter you can shop with.
- Loan structuring — Once you have a property (or refi target), she structures the loan to fit your goals.
- Closing — Debbie's team walks you through underwriting and closing, start to finish.