Rates improved four days straight after the first weak jobs report of the cycle. Debbie reads the NY Fed's $17.5 trillion household debt report, explains why maxed-out credit cards cool inflation, and shows homeowners how a HELOC can clear card debt before the cuts arrive.…
Debbie and guest Heather — lender, licensed agent, real estate law background — break down the NAR settlement: buyer broker agreements, commissions leaving the MLS, why prices won't drop, and the VA and seller-credit rules that decide who can pay your agent.…
The March 2024 Fed meeting ended in another hold at 5.25–5.5% — and mortgage rates improved anyway. Debbie reads the FOMC statement on air, gives her timeline for the first cut, previews the NAR settlement, and covers the CalHFA Dream For All lottery opening April 3.…
Debbie answers the questions real buyers asked at her home buyer workshop: the three-year first-time buyer rule, how assumable mortgages actually work, what it takes to remove PMI, buying an investment property when your home is FHA, and who can use a VA loan.…
Debbie's full two-hour home buyer workshop, start to finish: the vocabulary nobody explains, FHA vs. conventional vs. VA vs. USDA, the 2% closing-cost rule, exactly which documents a pre-approval needs, how to shorten contingencies to compete, and the three-day closing disclosure rule.…
Debbie takes on the myths buyers and sellers still believe: that 20% down is required, that pre-approval wrecks your credit, that the down payment is your only upfront cost, that you must sell before you buy, and the listing-price tricks that quietly cost sellers money.…
Prices are high, rates are high - so should you wait? Debbie works the question with her live audience: who can afford to wait, why buy-now-refinance-later usually wins, what a refinance really costs, and the blended-rate math for tapping equity without losing a 3.5% first mortgage.…
Most would-be buyers postpone because they assume they don't qualify - and never test the assumption. Debbie explains why a consultation is not an application, what her free home buyer workshop covers, and answers listener questions on FHA rent history and how many credit cards you should carry.…
A rate quote isn't a rate until it's locked. Debbie explains when you can lock, how 15/30/60/90-day locks price, what floating really means, what an extension costs if closing slips, and why nobody can honestly predict rates more than a day or two out.…
A higher score means a better rate, more loan programs and a lower down payment. Credit expert George Hartmann gives Debbie five concrete rules - on-time payments, the 20% balance line, authorized users, inquiries and disputing before you settle - plus a warning about debt relief programs.…
Carriers stopped writing new California policies, premiums are climbing, and some condo complexes lost coverage entirely - which blocks financing. Debbie explains what caused it, what the FAIR Plan really covers, and the five things to do if you get a non-renewal letter.…
A rate under 5% in January 2024 sounds impossible. Debbie walks three live loans from her pipeline — conventional, FHA and VA — and shows exactly what a seller-paid temporary buydown costs, how big a credit you have to negotiate, and what each year's payment really looks like.…
Debbie Marcoux
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