The January jobs report came in roughly double expectations — and hopes for a Fed rate cut before midyear went with it. Debbie breaks down the numbers, what Fed officials are signaling, why mortgage pricing worsened the same day, and why waiting above 6.75% may be costing you every month.…
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……
Neither the 50-year mortgage nor the portable mortgage exists in the US today — start there. Debbie runs the real 30-vs-50 numbers (about $300/month, at a likely higher rate), explains who each idea would help and hurt, and how porting works in Canada and the UK: balance only, full requalification.…
Self-employed, paid in crypto, or moving before you've found the new job? Debbie tours the loan programs most borrowers never hear about — no-ratio loans with zero income docs, bank statement loans, DSCR loans that qualify on the property's rent, and construction financing that beats hard money.…
The Fed's first cut of 2025 landed — and mortgage rates barely moved, because rate sheets priced it in weeks ago. Debbie reads the Fed's statement on air, explains Powell's take on the housing shortage, when a refinance makes sense, and how often you can actually refinance.…
Producer prices came in well below expectations — negative inflation — and the experts say the Fed cut is all but certain. Debbie explains why mortgage rates improve before the announcement, not on it, and why the October 2024 rate window lasted barely a week before an 11-month wait.…
Consolidating your mortgage and a HELOC usually counts as a cash-out refinance — even with no cash in hand — and costs about half a point in rate. Debbie shares real quotes (7.25% vs 6.75% for the same client), the two-step consolidation strategy, and FHA/VA streamlines priced in the low 5s.…
Mortgage pricing finally punched through the wall it hit for 11 straight months — checked live on air. Debbie explains what Powell's Jackson Hole speech did to rate sheets, why waiting for the Fed's announcement day to lock is a mistake, and the HELOC blended-rate math that's getting close to 6%.…
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!……
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……
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……
Most objections to reverse mortgages come from the kids — and most are based on myths. Debbie walks through who really keeps title, what heirs actually owe on a non-recourse loan, whether you can be forced out, and how the balance grows when there's no monthly payment.…
Debbie Marcoux
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