The Podcast
Every Wednesday, the market. Explained.
250+ episodes and counting. Debbie Marcoux, NMLS #237926, breaks down rates, programs, and the week's market news in plain English. Live at 3pm Pacific, then everywhere else within a day.
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The archive.
— episodesPrefer to read? Every episode page has key takeaways, chapters and the full transcript. Browse the episode library →
Episode pages with key takeaways and full transcripts (88 as of Sep 16, 2026). The complete, searchable library is on the Episodes page.
- How Do You Assume Someone Else's 3% FHA Or VA Mortgage?
- What Actually Moves Mortgage Rates? (It's Not the Fed)
- What Can You Ask the Seller to Pay For? Seller Concessions in a Buyer's Market
- Are Foreclosures Rising in 2026? Why This Is Not 2008 All Over Again
- Can Homeowners Insurance Kill Your Home Purchase? How to Protect Your Deal
- The Fed Held Rates Again — So Why Did Mortgage Rates Go Up?
- How to Buy Your First Home When Mortgage Rates Are at 2026 Highs
- Why Is It So Hard to Get a Mortgage on a Condo? The 2026 Rule Changes, Explained
- Is a Fed Rate Hike Coming? Why You Should Lock Your Mortgage Rate Now
- What the New Housing Bill Means for Home Buyers, Sellers, and Owners
- Should You Sell Your California Rental? 1031 Exchanges and Where Investors Are Finding Cash Flow
- Will the Fed Still Cut Rates in 2026? What the Strong January Jobs Report Means for Your Mortgage
- What Is a Portable Mortgage? And Is a 50-Year Mortgage a Good Idea?
- Can You Get a Mortgage Without Tax Returns? No-Ratio, Bank Statement, DSCR, and Construction Loans Explained
- The Fed Cut Rates 0.25% — Will Mortgage Rates Drop Now?
- PPI Went Negative — Should You Lock a Mortgage Rate Before the Fed Meets?
- Cash-Out vs. Rate-and-Term: Which Refinance Are You Actually Getting?
- Rates Broke an 11-Month Barrier — Should You Lock Now or Wait for the Fed?
- Does the Bank Own Your Home With a Reverse Mortgage? The Biggest Myths, Debunked
- Will Home Prices Crash When Mortgage Rates Drop?
- How Much Does It Cost to Refinance a Mortgage — and When Is It Worth It?
- The Fed Paused Rate Cuts — What It Means for Mortgage Rates
- Lost Your Home in the LA Wildfires? Insurance Claims, FEMA Help, and Your Mortgage
- The Fed Cut Rates — So Why Did Mortgage Rates Go Up and the Dow Drop 1,100 Points?
- Should You Wait for Lower Mortgage Rates to Buy or Refinance?
- Mortgage Rates Improved Half a Percent in a Week — Should You Buy Before the Fed Cuts?
- Why Are Mortgage Rates Going Down? The Consumer Debt Signal Behind the Turn
- Will the NAR Settlement Lower Home Prices? What Buyers and Sellers Need to Know
- The Fed Held Rates Again — So When Will Mortgage Rates Come Down?
- Who Counts as a First-Time Home Buyer? PMI, Assumable Loans, and More Questions Answered
- How to Buy a House Step by Step: The Complete Home Buyer Workshop
- Do You Really Need 20% Down to Buy a House? Real Estate Myths Debunked
- Should You Buy a Home Now or Wait for Interest Rates to Come Down?
- Should You Find Out What You Qualify For Before You're Ready to Buy?
- When Should You Lock In Your Mortgage Rate? Rate Locks Explained
- How to Raise Your Credit Score Before You Buy a Home
- California Homeowners Insurance Crisis: What To Do If Your Policy Is Dropped
- How to Get a Mortgage Rate Below 5% in 2024: Seller-Paid Buydowns Explained
- Will Mortgage Rates Drop in 2024? What 2023 Changed for Home Buyers
- Fed Holds Rates Again: New 2024 Loan Limits and 5% Down on 2-4 Unit Homes
- Mortgage Rates Are Falling: Should You Buy Now or Wait for 2024?
- Housing Market Predictions for 2024: Will Home Prices or Mortgage Rates Come Down?
- How to Cook a Juicy Thanksgiving Turkey: Oven, Roaster, or Deep Fryer
- Why Did Mortgage Rates Just Drop? And Why That Makes Buying Harder
- Is a Free Refinance Later Really Free? Buy Now, Refinance Later Explained
- 5% Down on a 2-4 Unit Property: Fannie Mae's New Rules for Owner-Occupants
- What Is a Zombie Mortgage? How an Old Second Lien Comes Back
- Buy Now or Wait for Rates to Drop? Why Dave Ramsey Says Buy
- The Fed Held Rates Steady — So When Will Mortgage Rates Actually Come Down?
- Inflation Rose for a Second Straight Month — What That Means for Mortgage Rates
- How to Improve Your Credit Score Before You Apply for a Mortgage
- Can You Get a Home Loan With a 550 Credit Score or No Tax Returns?
- Should You Sell Right Now? What Your Home Equity Is Actually Worth
- What Is a DST? Using a 1031 Exchange to Stop Being a Landlord
- The Fed Raised Rates Again — So Why Didn't Mortgage Rates Move?
- Is the Housing Market About to Crash — or Are You Just Waiting for Nothing?
- Should You Refinance If It Means Giving Up a 3% Mortgage Rate?
- Why Do Mortgage Rates Change So Fast? Inside the Rate Roller Coaster
- Can You Get a Mortgage Without Tax Returns? Four Alternative Loan Programs
- Can't Find a Rental? You Can Probably Afford to Buy Instead
- Are Good-Credit Buyers Really Paying More? The 2023 Mortgage Fee Change, Explained
- Will California Home Prices Fall? The Spring 2023 Market, By the Numbers
- The Fed Raised a Quarter Point — So Why Did Mortgage Rates Go Down?
- Why Did Silicon Valley Bank Fail, and What Did It Do to Mortgage Rates?
- How To Choose a Real Estate Agent: Questions To Ask Before You List Or Buy
- Have Home Prices Bottomed? What the 2023 Forecasts Actually Say
- FHA Cut Its Mortgage Insurance: What It Saves You Every Month
- Buying a Home After Chapter 13 Bankruptcy — and What Rates Really Look Like
- Single Women Own 2.6 Million More Homes Than Single Men
- The Fed Raised Rates Again — So Why Did Mortgage Rates Get Better That Day?
- Why Are Investment Property Mortgage Rates So Much Higher Than Owner-Occupied?
- What Did Analysts Expect From Mortgage Rates and Home Prices in 2023?
- A Half-Point Fed Hike — and How To Start a Real Estate Portfolio From One Small Condo
- Should You Wait For Rates To Drop Before You Buy?
- Conforming, High Balance, Or Jumbo: Which Loan Are You?
- How Does A Reverse Mortgage Actually Work?
- Homeowner In Debt: Refinance, HELOC, Sell, Or Short Sale?
- What Does a 1% Rate Increase Do to Your Buying Power?
- Can You Refinance To Consolidate A HELOC Into Your First Mortgage?
- Should You Buy A Home Now Or Wait For Rates To Drop?
- Can You Buy A Home Using A Reverse Mortgage?
- If Home Prices Are Falling, Why Is My Offer Still Getting Outbid?
- Can The Bank Freeze My HELOC If Home Values Drop?
- Does A Housing Recession Mean Home Prices Are About To Crash?
- Why Are Rents Skyrocketing, And What Can A Renter Actually Do About It?
- Moving To Another State? What Happens To Your Pre-Approval
- Seller Credit or Price Reduction? Why the Credit Wins
- Why a Fed Rate Hike Doesn't Automatically Raise Your Mortgage Rate
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