The Fed hiked to 4.75–5.00% on March 22, 2023, and mortgage rates improved within two hours. Debbie explains why, translates the Fed's press release, and answers an hour of listener questions on home prices, foreclosures, refinancing, and which of your debts change overnight.…
Silicon Valley Bank failed on a Friday, Signature followed over the weekend, and by Monday mortgage rates hit their best levels in over a month. Debbie explains what actually broke at SVB, why a bank failure pushes mortgage rates down, and how the Fed forecast flipped in a weekend.…
Buyers are writing offers and hearing nothing back. Debbie and a RE/MAX agent break down why listing agents stopped answering, the questions that separate a working agent from a checked-out one, and why the button on a listing portal almost never reaches the agent who has the house.…
Debbie retracts her own 10% price-drop call. NAR forecasts the national median down just 1.6% in 2023 and up 3.1% in 2024, and her team's county numbers show Southern California barely moved. Plus the VA funding fee cut and how to shop lenders without wrecking your score.…
FHA cut its annual mortgage insurance premium and raised the high-balance threshold. Debbie runs the new monthly payments at six loan sizes, explains why FHA now beats conventional for most low-down-payment buyers, and who should call about a streamline refinance today.…
A listener was told a Chapter 13 locked him out of buying for three years. It doesn't. Debbie explains FHA's twelve-month rule and court approval, why she refuses to quote one "today's rate," and previews the free Home Buyer Workshop covering the whole transaction start to finish.…
Single women own about 10.7 million homes to single men's 8.1 million, while earning 83 cents on the dollar. Debbie on why ownership is the wealth vehicle, how to buy before you couple up, and the free calculators that give you a real payment instead of a portal estimate.…
The Fed hiked a quarter point on February 1, 2023 and mortgage rates improved on the news. Debbie reads Powell’s statement in full, explains which loans the Fed actually controls, and why a smaller hike was the signal she had been waiting for since December.…
Investment property rates aren’t high because your loan officer decided so — they’re priced by risk adjustments that stack on top of the owner-occupied rate. Debbie walks through the math with real examples, then answers the question every homeowner is asking: HELOC or refinance?…
Debbie’s first show of 2023 walks through a Bankrate roundup of housing forecasts — four analysts, three scenarios, and predictions from 5% to 8.5% by year end — then gives her own: values down about 10%, inventory staying tight, and no reason to keep waiting.…
The Fed slowed from three-quarters of a point to a half, and Debbie explains why that’s the good news. Then her favorite advice she’s ever given: buy the smallest place you can live in, keep it when you move up, and let a tenant carry it.…
Heading into 2023, Debbie's most-asked question was whether to wait for five percent rates. Her answer: the rate is the wrong thing to time. Why the Fed does not set your mortgage rate, how seller concessions hid a real price correction, and six listener questions answered.…
Debbie Marcoux
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