Mortgage Mom Radio is a mortgage and real estate education show hosted by Debbie Marcoux, NMLS ID 237926. I help all those who are navigating the real estate, home buying, and mortgage process. Mortgage Mom Radio is a DBA of JMJ Financial NMLS ID 167867, JMJ Financial Group is licensed by the California Department of Financial Protection and Innovation under the Residential Mortgage Lending Act, License number 41DBO-46011 | CA DBO 603 F427. Debbie Marcoux NMLS ID 237926. All licensing…
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The Fed has not moved its rate all year, and mortgage rates went up anyway. In this episode I explain who actually sets your mortgage rate, why the bond market matters more than the next Fed meeting, and what this Friday could change. The 30-year Treasury just hit its highest level since 2007. The 10-year, which is what a 30-year mortgage actually tracks, has climbed from about 4.2% in January to…
How To Actually Ask For Seller Concessions In The 2026 Resale Market Almost half of American home sellers are now handing buyers money at closing — and most buyers still don't know they're allowed to ask. This week Debbie breaks down the resale market's worst-kept secret: seller concessions hit a record 46% of home sales this spring, there are one and a half sellers for every buyer, and the list…
I've had more clients ask me this exact question in the past two weeks than almost any other topic all year, so today I sat down with the actual data — not the headline, the underlying numbers — and walked through what's really happening versus what happened during the Great Recession. Here's the short version: the headline is technically true and the fear is completely understandable, but the…
21% of homes going under contract in 2026 aren't closing. It's not the appraisal. It's not the loan. It's not the inspection. It's the insurance. I've been in the mortgage business for over 30 years and I have NEVER seen a market where more clean, qualified, pre-approved buyers are losing their deals at the closing table over something they never even thought about until week three of escrow. So…
The Fed just made its decision — no rate cut. In fact, three Fed officials voted to RAISE rates, and Wall Street now expects a hike as soon as September. So what does that actually mean for your mortgage? On today's show, Debbie Marcoux — The Mortgage Mom — breaks down the Fed's 9–3 vote, new Fed Chair Kevin Warsh, and the one thing most people get wrong: the Fed doesn't set your mortgage rate.…
Mortgage rates just hit their highest levels of 2026 — the 30-year fixed reached 6.75% on Mortgage News Daily's tracker this week, with Freddie Mac's survey at 6.55%. On today's show, Debbie breaks down what pushed rates up: rising fuel prices, new Treasury supply concerns, and bond selling during earnings season — plus what the July 28-29 Fed meeting could mean for the weeks ahead. Then, the part…
The biggest condo lending rule change in over a decade drops August 3rd. If you're buying, selling, or refinancing a condo, this affects you. On March 18, 2026, Fannie Mae dropped Lender Letter LL-2026-03 — the biggest overhaul to condo lending rules in a decade. Freddie Mac followed with a parallel bulletin. Some pieces are effective immediately, some kick in July 1, some August 3, some not until…
For over a year the whole audience has heard "when will the Fed cut" — and this week two of the most senior voices on the FOMC used blunt, on-the-record language to say the opposite is now realistic. It directly reframes the "should I lock or wait" Debbie Marcoux, NMLS ID 237926 also licensed in AZ-0941504, CA-DBO237926, FL-LO76508, GA-69178, HI, IL-031.0058339, MO, NC, NV-57237, OR, TN-184373,…
There's a big housing bill in the news right now — the biggest one in 36 years — and I've been getting a lot of questions about what it actually means. Let me walk you through what's in it, where it stands, and how it affects you if you're buying, selling, or refinancing this year. Debbie Marcoux, NMLS ID 237926 also licensed in AZ-0941504, CA-DBO237926, FL-LO76508, GA-69178, HI, IL-031.0058339,…
Today I discussed new programs such as Jumbo with only 10% down, construction and fix and flip loans for investors. Would you like to ask questions while I'm live on air? Subscribe now to receive a link to join each week. Text LIVE to 844-935-3634 Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Business, Consumer Services and Housing Agency,…
Want to buy an investment property or sell yours and move it out of CA? Let's talk 1031 exchange and cash flow. Would you like to ask questions while I'm live on air? Subscribe now to receive a link to join each week. Text LIVE to 844-935-3634. Support the stream: https://streamlabs.com/mortgagemomradio1 Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the…
Today was an amazing jobs report that nobody expected. Future rate cuts are questionable. Today's show is all about education and why a job's report may hinder mortgage rates from falling further in the near future. Would you like to ask questions while I'm live on air? Subscribe now to receive a link to join each week. Text LIVE to 844-935-3634. Support the stream:…
