Credit repair specialist George Hartmann joins Debbie to kill the myths — starting with leaving a balance on your card — and explain what actually moves a score: statement dates, authorized users, charge-offs versus collections, and what a 567 costs you versus a 740.…
FHA down to a 550 score, VA near it, 1099 and bank statement loans, asset qualifier loans, DSCR loans for rentals, and hard money. Debbie walks through the programs built for borrowers standard underwriting turns away — plus the six-month reserve requirement nobody warns you about.…
68.7% of American homeowners are mortgage-free or hold at least 50% equity, and inventory is running at half a normal market. Debbie explains why selling releases more equity than a cash-out refinance ever will — and walks through her own move, sold in one day.…
Done being a landlord but not willing to pay the capital gains? A Delaware Statutory Trust satisfies a 1031 exchange and hands management to somebody else. Debbie, securities-licensed advisor Jamie Furlong and broker Danielle Whitney Moore cover how DSTs work, what they pay, and who they rule out.…
The Fed hiked to the highest level in 22 years and mortgage rates barely twitched. Debbie explains why mortgages follow mortgage-backed securities instead of the Fed, what Powell said he'd watch before September, and the rule that matters most: budget the payment for 24 months.…
A week after the Fed's first pause in ten meetings, Debbie reads the actual crash forecasts — Elon Musk on one side, Fannie Mae, NAR and Redfin on the other — then turns to record credit card debt and what homeowners with equity can do about it.…
Four real refinance scenarios — three of them loans in process — showing what a blended-rate calculation reveals. One family's 3.75% first mortgage was hiding a true blended rate of 9.69%, and consolidating at 7.125% cut $1,100 a month.…
Rates spiked one week and dropped the next. Debbie takes it apart — the debt ceiling standoff, Fed officials talking ahead of the June meeting, and how lenders price an expected hike into rate sheets before it happens.…
Fannie, Freddie, FHA and VA all start by asking you to prove your income. Debbie walks through four that don't: the Community Mortgage, bank statement loans, debt service ratio loans where the rental qualifies instead of you, and hard money — with the scores, down payments and reserves each takes.…
One condo, one hour of showings, 42 applications — from people with 750 credit scores and $50,000 in the bank, who paid $10,900 just to get the keys. Debbie and guest Mary do the math on what buying the same unit would have cost them.…
The Fed raised a quarter point the morning this aired, and the headline was that good credit now subsidizes bad. Debbie reads the FOMC statement and an industry note showing the fee change was worth about an eighth of a percent — and had been live since February.…
Everyone waiting for California prices to collapse got a 2.2% dip — about $16,000 — while rates rose and they kept paying rent. Debbie walks through the CAR data, why she doesn't expect a big fallout, what renters are up against, and why listing-site payment estimates are wrong.…
Debbie Marcoux
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