# Mortgage Mom Radio
> Weekly mortgage education and live Q&A with Debbie Marcoux, NMLS #237926. Real-talk advice on home buying, refinancing, and the financing programs big banks don't tell you about.
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## Pages
- [About Debbie](https://www.mortgagemomradio.com/about.md) - Meet Debbie Marcoux, host of Mortgage Mom Radio. 30+ years lending, 14 states, NMLS #237926.
- [Accessibility](https://www.mortgagemomradio.com/accessibility.md) - Legal Accessibility. We're committed to making Mortgage Mom Radio usable by everyone — homebuyers, listeners, and partners alike. Our commitment Mortgage Mom Radio strives to conform to WCAG 2.2 Level AA across this website, our podcast, our newsletter, and our YouTube content. We design with scree…
- [Apply Now](https://www.mortgagemomradio.com/apply.md) - Start your mortgage application with Debbie Marcoux. NMLS #237926. Licensed in 14 states.
- [Contact](https://www.mortgagemomradio.com/contact.md) - This page has moved. Our contact page is now the appointment page. Continue to Schedule an Appointment →
- [State Licensing](https://www.mortgagemomradio.com/licensing.md) - Debbie Marcoux is a licensed mortgage loan originator in 14 states. NMLS #237926. Verify on NMLS Consumer Access.
- [Live Show](https://www.mortgagemomradio.com/live.md) - Join the Mortgage Mom Radio LIVE show Wednesdays at 1pm PST.
- [Newsletter](https://www.mortgagemomradio.com/newsletter.md) - Get the Mortgage Mom Radio newsletter — weekly mortgage tips and market updates.
- [Referral Partners](https://www.mortgagemomradio.com/partners.md) - Real estate agents and referral partners who trust Mortgage Mom Radio.
- [Podcast](https://www.mortgagemomradio.com/podcast.md) - All Mortgage Mom Radio episodes — listen, learn, and never miss a show.
- [Press & Media Kit](https://www.mortgagemomradio.com/press.md) - Press inquiries, media kit, and booking information for Mortgage Mom Radio.
- [Privacy Policy](https://www.mortgagemomradio.com/privacy.md) - Legal Privacy Policy. What we collect, what we do with it, and how to control it. Who we are Mortgage Mom Radio is a real estate and mortgage education brand operated by Debbie Marcoux (NMLS #237926), a Mortgage Loan Originator with JMJ Financial Group (NMLS #167867). This policy explains what info…
- [Client Reviews](https://www.mortgagemomradio.com/reviews.md) - What clients say about working with Debbie Marcoux and Mortgage Mom Radio.
- [Schedule an Appointment](https://www.mortgagemomradio.com/schedule.md) - Get in touch with Debbie Marcoux and the Mortgage Mom Radio team.
- [Sponsors & Advertisers](https://www.mortgagemomradio.com/sponsors.md) - Reach the Mortgage Mom Radio audience — sponsorship and advertising opportunities.
- [Meet the Team](https://www.mortgagemomradio.com/team.md) - Mortgage Mom Radio Meet the Team Family-run, licensed across the country, and built on the idea that your home and your future come first. Here are the faces behind the show, the files, and the phone calls. The People Debbie Marcoux Branch Manager · Loan Officer · Host, Mortgage Mom Radio NMLS #237…
- [Terms of Use](https://www.mortgagemomradio.com/terms.md) - Legal Terms of Use. Please read these terms carefully before using mortgagemomradio.net. Acceptance By accessing or using this website, podcast, YouTube content, or any related materials produced by Mortgage Mom Radio (a DBA of JMJ Financial Group, NMLS ID 167867), you agree to these Terms of Use.…
- [Thanks for Subscribing](https://www.mortgagemomradio.com/thanks.md) - Thanks for joining the Mortgage Mom Radio newsletter.
- [Mortgage Tools](https://www.mortgagemomradio.com/tools.md) - Free mortgage calculators, downloadable guides, and resources from Debbie Marcoux.
- [Welcome — Your Free Guides](https://www.mortgagemomradio.com/welcome.md) - Welcome You're in. Welcome to the family. Thank you for subscribing to the Mortgage Mom Radio newsletter. Your three free homebuyer guides are ready to download below, and your first weekly email arrives Friday morning. Your Free Guides Three guides to get you started. The First-Time Buyer's 10-Ste…

## Posts
- [Mortgage Mom Radio Weekly - August 7, 2026](https://www.mortgagemomradio.com/newsletter-2026-08-07.md) - Happy Friday — Mortgage Mom here. The 30-year is sitting at 6.77% again this week — quiet on the rate front, which is honestly not the worst news when you're trying to plan.
- [Mortgage Mom Radio Weekly - July 31, 2026](https://www.mortgagemomradio.com/newsletter-2026-07-31.md) - Welcome back — Mortgage Mom here. The 30-year ticked lower to 6.77% this week. Not a huge move, but every basis point matters when you're running numbers.
- [The Fed Just Said No Rate Cut](https://www.mortgagemomradio.com/the-fed-just-said-no-rate-cut.md) - The Fed just made its decision — no rate cut. Three officials voted to raise rates, and Wall Street now expects a hike as soon as September. Debbie breaks down the 9-3 vote, new Fed Chair Kevin Warsh, and what it all means for your mortgage.
- [Mortgage Mom Radio Weekly - July 24, 2026](https://www.mortgagemomradio.com/newsletter-2026-07-24.md) - Hey friends — Debbie here. The 30-year moved up to 6.81% this week. Movement like this is exactly why we keep our eye on the market together.
- [Mortgage Rates Just Hit 2026 Highs — What Happened & What Buyers Do Now](https://www.mortgagemomradio.com/mortgage-rates-just-hit-2026-highs-what-happened-and-what-buyers-do-now.md) - Mortgage rates just hit their highest levels of 2026 — the 30-year fixed reached 6.75% on Mortgage News Daily's tracker this week, with Freddie Mac's survey at 6.55%. On today's show, Debbie breaks down what pushed rates up: rising fuel prices, new Treasury supply concerns, and bond selli
- [The Biggest Condo Lending Change In Over A Decade!](https://www.mortgagemomradio.com/the-biggest-condo-lending-change-in-over-a-decade.md) - The biggest condo lending rule change in over a decade drops August 3rd. If you're buying, selling, or refinancing a condo, this affects you. On March 18, 2026, Fannie Mae dropped Lender Letter LL-2026-03 — the biggest overhaul to condo lending rules in a decade. Freddie Mac followed with
- [The Fed just flipped the script. Rate Hike on the table?](https://www.mortgagemomradio.com/the-fed-just-flipped-the-script-rate-hike-on-the-table.md) - For over a year the whole audience has heard "when will the Fed cut" — and this week two of the most senior voices on the FOMC used blunt, on-the-record language to say the opposite is now realistic. It directly reframes the "should I lock or wait" Debbie Marcoux, NMLS ID 237926 also licen
- [The Biggest Housing Bill in 36 Years, what's in it?](https://www.mortgagemomradio.com/the-biggest-housing-bill-in-36-years-whats-in-it.md) - There's a big housing bill in the news right now — the biggest one in 36 years — and I've been getting a lot of questions about what it actually means. Let me walk you through what's in it, where it stands, and how it affects you if you're buying, selling, or refinancing this year. Debbie
- [Coming soon](https://www.mortgagemomradio.com/coming-soon.md) - This is mortgagemomradio, a brand new site by Deborah Marcoux that's just getting started. Things will be up and running here shortly, but you can subscribe in the meantime if you'd like to stay up to date and receive emails when new content is published!
- [I’m Back! Market Updates and New Loan Programs Available](https://www.mortgagemomradio.com/i-m-back-market-updates-and-new-loan-programs-available.md) - Today I discussed new programs such as Jumbo with only 10% down, construction and fix and flip loans for investors. Would you like to ask questions while I'm live on air? Subscribe now to receive a link to join each week. Text LIVE to 844-935-3634 Debbie Marcoux is licensed by…
- [Investment Property Cash Flow](https://www.mortgagemomradio.com/investment-property-cash-flow.md) - Want to buy an investment property or sell yours and move it out of CA? Let's talk 1031 exchange and cash flow. Would you like to ask questions while I'm live on air? Subscribe now to receive a link to join each week. Text LIVE to 844-935-3634. Support the stream:…
- [February 11, 2026 Jobs Report! Will Future Rate Cuts Stall?](https://www.mortgagemomradio.com/february-11-2026-jobs-report-will-future-rate-cuts-stall.md) - Today was an amazing jobs report that nobody expected. Future rate cuts are questionable. Today's show is all about education and why a job's report may hinder mortgage rates from falling further in the near future. Would you like to ask questions while I'm live on air?…
- [Hearing that interest rates have dropped? What rate would you get today?](https://www.mortgagemomradio.com/hearing-that-interest-rates-have-dropped-what-rate-would-you-get-today.md) - Hearing that interest rates have fallen? Would you like to know what your interest rate would be today? Send me an email with your scenario! All interest rates quoted are subject to change until locked in and conditional upon underwritten loan approval. Get a text message when I…
- [50YR Terms and Portable Mortgages – What are they talking about?](https://www.mortgagemomradio.com/50yr-terms-and-portable-mortgages-what-are-they-talking-about.md) - Why is everyone talking about 50YR terms? What are the benefits and downsides? What are portable mortgages and how might that help you if it is something that they implement as an option in the future? Watch LIVE and ask your questions. Get a text message when I go live with a…
- [Loan Programs You Didn’t Know Existed!](https://www.mortgagemomradio.com/loan-programs-you-didn-t-know-existed.md) - No Ratio - Can't prove income? Bank Statements - Self Employed but can't show tax returns? Debt Service Ratio - Looking to buy that rental property, Airbnb, or VRBO/ Construction Loan - Run out of funds, looking for a fix and flip or to build a spec home? Watch LIVE and ask your…
- [Fed Cut Rates 0.25% – How are the markets reacting to the decision?](https://www.mortgagemomradio.com/fed-cut-rates-0-25-how-are-the-markets-reacting-to-the-decision.md) - How many more rate cuts will we get this year? How are the markets reacting to the decision? Watch LIVE and ask your questions. Get a text message when I go live with a link to join. Text "LIVE" to 844-935-3634. Support the stream: https://streamlabs.com/mortgagemomradio1 Debbie…
- [PPI (Producer Price Index) came in well below expectations showing negative inflation.](https://www.mortgagemomradio.com/ppi-producer-price-index-came-in-well-below-expectations-showing-negative-inflat.md) - PPI (Producer Price Index) came in well below expectations showing negative inflation. Bond market & Stock futures jumped higher, 10 year note fell further. Mortgage Demand is up! This is your one week warning before the Fed Rate Cut decisions are made. Get an application…
- [Do you need to refinance? Let’s talk about how it works!](https://www.mortgagemomradio.com/do-you-need-to-refinance-let-s-talk-about-how-it-works.md) - Experts Say there is a 90% chance of a Fed Rate cut at next week's Fed Meeting. Do you need to refinance? Let's talk about how it works! Watch LIVE and ask your questions. Get a text message when I go live with a link to join. Text "LIVE" to 844-935-3634. Support the stream:…
- [We finally broke an 11-Month Interest Rate Barrier!](https://www.mortgagemomradio.com/we-finally-broke-an-11-month-interest-rate-barrier.md) - Will we see even lower interest rates? Should you wait for a Fed Rate Cut to lock in an interest rate? Watch LIVE and ask your questions. Get a text message when I go live with a link to join. Text "LIVE" to 844-935-3634. Support the stream:…
- [Will the Fed Cut Rates in September?](https://www.mortgagemomradio.com/will-the-fed-cut-rates-in-september.md) - We'll know more after Friday's Jackson Hole Symposium. Join me live next Wednesday at 1PM on YouTube to stay up to date with Real Estate, Mortgage, and Interest Rate Market! Don't miss a live show. Ask your questions and get your answers. Text "LIVE" to 844-935-3634!…
- [Interest rates are falling, will they continue to move lower?](https://www.mortgagemomradio.com/interest-rates-are-falling-will-they-continue-to-move-lower.md) - Why are interest rates falling right now? Will they continue? What will it take for the Fed to lower interest rates? 844-935-3634, call us! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Business, Consumer Services and…
- [Conventional vs FHA – What’s the difference between the two loan programs.](https://www.mortgagemomradio.com/conventional-vs-fha-what-s-the-difference-between-the-two-loan-programs.md) - Why would a loan officer suggest an FHA or a Conventional loan to you. Learn more in today’s episode. 844-935-3634, call us! Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group…
- [Reverse Mortgage Myth’s and Facts!](https://www.mortgagemomradio.com/reverse-mortgage-myth-s-and-facts.md) - Reverse mortgages are misunderstood and can be a great asset in retiring comfortably. 844-935-3634, call us! Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867…
- [Honoring Memorial Day and the History of the Holiday!](https://www.mortgagemomradio.com/honoring-memorial-day-and-the-history-of-the-holiday.md) - Did you know that you are supposed to fly your flag at half mass until noon and then raise it until sundown? How did Memorial Day come to be, what are we celebrating, and how is it different than Veteran’s Day. Short history lesson from the Mortgage Mom! 844-935-3634, call us!…
- [The Fed Meeting 5/7/2025 – Holding Rates Higher For Longer!](https://www.mortgagemomradio.com/the-fed-meeting-5-7-2025-holding-rates-higher-for-longer.md) - The Fed is holding strong with their Higher For Longer stance. When will we finally get that first rate cut in 2025? 844-935-3634, call us! Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ…
- [Will next weeks Fed meeting bring us a quick dip in the rates?](https://www.mortgagemomradio.com/will-next-weeks-fed-meeting-bring-us-a-quick-dip-in-the-rates.md) - Reading the economic reports this week, GDP was lower than anticipated. It was honestly quite bad, but consumer spending is up, month over month, from February to March 2025. The Core PCE inflation numbers came in higher than expected, and it is anticipated that the Fed will…
- [Property Taxes, Supplemental Bills, and Escrow Accounts](https://www.mortgagemomradio.com/property-taxes-supplemental-bills-and-escrow-accounts.md) - I focused on an issue that has been a major story in the media recently. Homeowners monthly payments are skyrocketing because of their property tax bills. Please understand how it works and what you can do as a homeowner or a new buyer to safeguard yourself from a messy…
- [Stock Market and Mortgage Rates Are Volatile!](https://www.mortgagemomradio.com/stock-market-and-mortgage-rates-are-volatile.md) - Did you miss out on the quick dip in mortgage rates last Friday? Let’s get you ready to take advantage of the next dip. 844-935-3634, call us! Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ…
- [Are Home Prices Going to Crash?](https://www.mortgagemomradio.com/are-home-prices-going-to-crash.md) - Why are you seeing media about a housing crash? Debbie Marcoux – AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and…

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