Dave Ramsey says now is the time to buy a house — with rates at a 23-year high. Debbie reads through the article, agrees on the conditions (consumer debt paid off, 3–6 months of reserves), and explains why fewer buyers in the market is the advantage nobody talks about.…
The Fed left the funds rate at 5.25–5.50% on September 20, 2023, and finally published projections: 5.6% by year end, 5.1% in 2024, 3.9% in 2025. Debbie reads Powell's statement, explains the nine-month lag, and maps the real timeline from pre-approval to the refinance you're counting on.…
August CPI came in at 3.7% annual and 0.6% monthly — inflation's second straight increase, six days before the Fed met. Debbie breaks down the report, why forecasters split on a September hike, and the day-after data proving the Fed doesn't set your mortgage rate.…
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.…
Debbie Marcoux
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