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 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……
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……
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……
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……
Social media says falling rates will flood the market with listings and crash home prices. Debbie takes the theory apart: what locked-in sellers will really do, why inventory is still at 60 days versus 180 in 2008, and why post-Dodd-Frank underwriting means no foreclosure wave.…
Refinance rates just dropped fast — FHA to about 6.25%, conventional to about 6.75%. Debbie breaks down real closing costs (average $4,500–$5,000), lender-paid vs. borrower-paid deals, FHA and VA streamlines, what "no-cost refinance" ads really mean, and the break-even math.…
The Fed held at 4.25–4.5% after three straight cuts, and the headlines made it about politics. Debbie watched the whole press conference: what Powell actually said, why March looks like another pause, and why mortgage rates improved on the very day the Fed didn't cut.…
Recorded live during the January 2025 LA fires: where to start with 211, how to document your losses, insurance claims and the California FAIR Plan, applying with FEMA, why LA County escrows are on hold, and why your mortgage payment doesn't stop when your house burns.…
Broadcast the afternoon of the December 2024 Fed meeting: why a fully-anticipated quarter-point cut sent mortgage rates up, what the two-cuts-in-2025 signal did to the Dow, and Debbie's own forecast — three to four cuts, and better rates by December 2025.…
One week after the Fed's half-point cut, mortgage rates actually ticked up — and applications jumped 46%. Debbie explains why you refinance on need, not timing, why buyers should get ahead of the herd, and why the election won't decide your mortgage rate.…
April retail sales came in flat and mortgage rates improved about half a percent in a week. Debbie explains why bad economic news helps rates, why a recession doesn't mean cheaper homes — Bankrate still projected +6.4% for 2024 — and why to get pre-approved before the Fed's first cut.…
Debbie Marcoux
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