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Debbie Marcoux, the Mortgage Mom

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Plain-English mortgage help from Debbie Marcoux, the Mortgage Mom. Pick what fits you and go.

Mortgage Loan Originator · NMLS #237926 · Live Wednesdays 3PM PT

This week’s episode

Debbie Marcoux on assumable FHA and VA mortgages

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How do you take over someone else’s FHA or VA mortgage?

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Watch live Wednesday All episodes

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Where are you starting?

Buying my first homeThe whole process, in order
  1. The free Home Buyer WorkshopEvery step from pre-approval to the closing table
  2. Pre-qualified or pre-approved?Why the difference matters when you make an offer
  3. Who counts as a first-time buyer?What loan programs mean by it
  4. See what you can affordAffordability calculator
  5. First-Time Homebuyer Guide (PDF)Free download
I have equityHELOC, cash-out, or leave it alone?
  1. How a HELOC works, and the freeze riskHELOC vs. home equity loan vs. cash-out
  2. Cash-out or rate-and-term refinance?Which one you are actually getting
  3. Rolling a HELOC into your mortgageWhen it makes sense and when it does not
  4. Blended rate calculatorCompare keeping your first mortgage with refinancing it
62+ and exploring a reverse mortgageStraight answers, and questions for your kids too
  1. Does the bank own your home?The biggest reverse mortgage myths
  2. How a reverse mortgage actually works
  3. Buying a home with a reverse mortgageDownsizing or moving closer to family
  4. Talk it through with DebbieBook a call; bring your family’s questions
Selling or buying a condoWill buyers be able to get a loan on it?
  1. Why condo loans got harderThe rule changes, explained
  2. Seller credit or price cut?Why the credit usually does more for your buyer
  3. Choosing an agent before you listThe questions to ask
  4. Ask Debbie about your complexBook a call
Investing in rental propertyDSCR, 2-4 units, and how investor loans differ
  1. DSCR, bank statement and no-ratio loansMortgages without tax returns, explained
  2. Why investor loans price higherCompared with owner-occupied loans
  3. Living in one unit, renting the othersFannie Mae’s owner-occupant rules for 2-4 unit homes
  4. Selling a California rental1031 exchanges and where investors find cash flow

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Debbie Marcoux, Mortgage Loan Originator, NMLS #237926. Mortgages are originated through JMJ Financial Group, NMLS #167867. Office: 2150 Kiowa Blvd N, Suite A-108, Lake Havasu City, AZ 86403. Licensed in Arizona, California, Colorado, Florida, Georgia, Hawaii, Idaho, Illinois, Nevada, North Carolina, Oregon, Tennessee, Texas, and Washington. Verify any license on NMLS Consumer Access.

Equal Housing Opportunity. Educational content only; not a commitment to lend, a loan offer, a rate quote, or financial, tax, or legal advice. Loans are subject to credit approval; terms and conditions apply. Episodes reflect the date they aired. Debbie Marcoux is not a financial advisor.

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