The day after the 2023 conforming loan limits were announced, two of Debbie's loan officers explained the three tiers of conventional lending: what separates conforming from high balance from jumbo, and why crossing a line costs you up to half a point in rate. A 2022 historical record.…
Rates fell six tenths of a point in a single day, and Debbie did not expect it to hold. Then the explainer people keep asking her for: how a reverse mortgage works, who it suits, what your heirs actually inherit, and why age decides how much you can borrow.…
Two real consultations worked start to finish on air: a homeowner with $50,000 in cards and a 3% mortgage, and a buyer who put 3.5% down last year and cannot reach the equity he can see. Plus what a short sale actually is, and the myth that you must be behind on payments.…
Hours after the Fed's fourth straight three-quarter-point hike in November 2022, Debbie explains why the increase was already priced into rate sheets, the rule of thumb for what rising rates cost your budget, and why a home equity line is the wrong fix for credit card debt.…
Everyone was telling homeowners to take a home equity line instead of touching their 3% first mortgage. Debbie does the math out loud: draw that line to 95% of value and you have given up the ability to roll the two loans back into one. Plus loan limits, escrow, and buy-versus-rent.…
An open hour of the hard questions: buy now or wait, how you start when a home isn't even on the radar, and whether to take the lower price or the lower rate. Debbie's frame for the whole show: there's never really a bad time to buy, there's just a bad time to sell. October 2022.…
An open Q&A hour: how a reverse mortgage works when you're buying rather than refinancing, why a seller-funded rate buydown beats a small price cut, whether a lifetime in a mobile home leaves you a first-time buyer, and what has to change before rates come down. October 2022.…
Two days before the Fed's September 2022 hike, every headline said housing was rolling over — and Debbie's first-time buyers were still getting outbid. She and her in-house agent explain why higher rates make the entry price point more competitive, not less.…
The home equity line ads were everywhere in 2022, and none mentioned what Debbie watched happen from 2008 to 2011: lenders freezing draw access and converting the balance to a principal-and-interest payment. HELOC vs. home equity loan vs. cash-out refinance.…
“Housing recession” was the phrase of summer 2022, and it scared people out of buying. Debbie takes it apart: it describes a contraction in the number of sales, not a collapse in prices — still up 10.8% year over year while volume fell six straight months.…
In summer 2022 the bidding war moved from the sale market to the rental market — thirty to forty applications per listing and applicants offering above asking rent. Debbie reads the rent data and makes the case for a fixed payment as the only real hedge.…
Most loan officers are licensed in one state - so if you change your mind about where you're moving, your pre-approval doesn't move with you. Debbie explains what actually transfers, why you don't have to start the new job first, and the research list every relocating buyer should work through.…
Debbie Marcoux
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