Meet the Team
Family-run, licensed across the country, and built on the idea that your home and your future come first. Here are the faces behind the show, the files, and the phone calls.
The People
Debbie Marcoux
Debbie is the voice behind Mortgage Mom Radio and the driving force behind the team. Licensed across Arizona, California, Washington, Texas, Idaho, Florida, Georgia, Hawaii, Illinois, Nevada, North Carolina, Oregon, and Tennessee, she has spent more than two decades helping families understand what's actually happening in the mortgage market. Every Wednesday at 3pm PT she goes live to break down rates, programs, and the questions listeners are actually asking.
Heather Barkley-Kilpatrick
Heather is the rare mortgage professional who also holds an active California real estate license, which means she sees every transaction from both sides of the table. That dual perspective lets her spot problems before they slow a deal down and coach her clients through what to expect at every step. She brings a calm, straight-talking approach and a deep bench of real-world experience to every file.
Miguel “Mikey” Zermeno
Mikey runs everything you see, hear, and read from Mortgage Mom Radio. He produces the weekly podcast and live show, designs and builds the website, and drives the marketing, PR, and social content that puts Debbie's advice in front of new homebuyers every week. If it has a Mortgage Mom Radio logo on it, chances are Mikey either made it, edited it, or shipped it. He is currently completing pre-licensing coursework and preparing for his state licensing exams.
Manuel “Manny” Zermeno
Manny is the team's loan coordinator and the person keeping every file moving between application and the closing table. He works directly with borrowers, processors, escrow, and title to chase down conditions, keep timelines honest, and make sure nothing stalls out. Clients hear from him early and often, which is exactly the point. He is currently completing pre-licensing coursework and preparing for his state licensing exams.
Amy Jones
Amy is the team's loan processor and one of the reasons files actually get to the closing table on time. She has been in the mortgage business since 2019, starting on the disclosures desk before moving into full processing a couple of months later, and she has been sharpening that craft ever since. Detail-oriented, unflappable under deadline pressure, and quietly relentless about follow-through, Amy is the person turning approved applications into keys in the door.
The Good Boys
Every family business has its unofficial staff. Ours have four legs.
Obi-Wan “Obi” Marcoux
Obi-Wan stepped up when Buck stepped down, and the team has never looked back. Calm, focused, and roughly the size of a loveseat, he takes his post at the front door with the quiet authority of a dog who knows exactly what he's doing. Between shifts he conducts wellness checks on every human in the building and offers emotional support during rate-lock decisions.
Buckshot “Buck” Marcoux
Buck had a promising career as MMR's Head of Front-Door Security until an incident involving an unattended door, an open street, and a full sprint required HR to have a difficult conversation. He's now enjoying early retirement in a semi-executive capacity — mostly napping, occasionally supervising, and posing for beach-themed photoshoots. Very much alive. Very much loved.
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Whether you're buying your first home, refinancing, or just want to understand your options — we're here for the whole conversation.