Debbie’s first show of 2023 walks through a Bankrate roundup of housing forecasts — four analysts, three scenarios, and predictions from 5% to 8.5% by year end — then gives her own: values down about 10%, inventory staying tight, and no reason to keep waiting.…
The Fed slowed from three-quarters of a point to a half, and Debbie explains why that’s the good news. Then her favorite advice she’s ever given: buy the smallest place you can live in, keep it when you move up, and let a tenant carry it.…
Heading into 2023, Debbie's most-asked question was whether to wait for five percent rates. Her answer: the rate is the wrong thing to time. Why the Fed does not set your mortgage rate, how seller concessions hid a real price correction, and six listener questions answered.…
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.…
Debbie Marcoux
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