Foreclosure filings are up 21% year-over-year and the headlines are screaming 2008. Debbie puts the real numbers side by side — the 2010 peak, the normal market of 2019, and today — and shows why record equity and ability-to-repay underwriting make this a normalizing market, not a crisis.…
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.…
21% of 2026 home sales are collapsing over insurance — the top non-financing deal killer. Debbie covers the California FAIR Plan's 29.1% hike, Florida's wind mitigation rules, why a quote is not a binder, and the day-one habits that keep an insurance surprise from killing your closing.…
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 held rates for a fifth straight meeting — but three officials voted to hike, and Wall Street now puts 76–80% odds on a September increase. Debbie explains why mortgage rates rose anyway, where they stand this week, and what buyers, borrowers in escrow, and refinancers should do now.…
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 their highest levels of 2026 — Freddie Mac at 6.55%, Mortgage News Daily at 6.75%. Debbie breaks down the three drivers behind the jump, why this is the new normal, and the credit-first game plan that made first-time buyers 33% of June's closings.…
The biggest condo lending change in over a decade hits August 3, 2026. Debbie walks through Fannie Mae's Lender Letter LL-2026-03: the 10-unit review waiver, new insurance deductible caps, the death of the limited review, 15% reserves, balcony inspections — and how condo sellers get ahead of it all.…
After a year of "when will the Fed cut," the script has flipped: a rate hike is on the table for the July 29 meeting. Debbie explains what Kevin Warsh's "prices are too high" means for mortgage rates, how much worse rates could get by month-end, and why borrowers in escrow should lock today.…
The 21st Century Road to Housing Act passed both chambers and awaits the president's signature. Debbie breaks down the three pieces that touch your wallet: unlocking mortgages under $100,000, one standard process for fighting a low appraisal, and a 350-home cap on corporate landlords.…
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……
California landlords are selling and moving their money — but where? Debbie explains how a 1031 exchange really works (it matches the sales price, not the loan), why the trail has run Texas → Nevada → Arizona, and the rent-by-the-room college-town math delivering the best cash flow she's seen.…
Debbie Marcoux
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