Debbie Marcoux NMLS ID 237926

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Debbie Marcoux NMLS ID 237926 You can find us on YouTube, Podcast, and Radio educating new buyers and current homeowners! Debbie Marcoux NMLS ID 237926.

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. All licensing information can be found at https://www..nmlsconsumeraccess.org/

11/11/2026

Escrow Shortage vs Deficiency: Know the Difference

These two words show up on your escrow letter and they do not mean the same thing. A shortage means the account is lower than it should be. A deficiency means it went below zero. Your servicer reviews the account once a year, and if they can see it heading short they will raise your monthly payment to stop it going deficient. If you are already deficient, that same letter asks for more, because now they are also making up a negative balance.

Want help reading your escrow letter? Talk to me: https://www.mortgagemomradio.com/

Text LIVE to 844-935-3634



Recorded November 4, 2026. Market conditions and interest rates can change. This is general education, not a rate quote, an offer of credit or a commitment to lend. Not all applicants will qualify. Debbie Marcoux NMLS 237926. JMJ Financial Group NMLS 167867. Equal Housing Lender. For licensing information, go to: www.nmlsconsumeraccess.org

11/10/2026

Argue the Escrow Increase. Pay It Anyway.

If your payment went up and you think the escrow analysis is wrong, dispute it. But make the full payment they are asking for while you do. If you decide to send only what your old payment used to be, you have not made your entire payment on the loan, and that turns into late mortgage payments on your credit report fast. Argue it the right way, get it corrected, then ask for the refund.

Not sure your escrow analysis is right? Talk to me: https://www.mortgagemomradio.com/

Text LIVE to 844-935-3634



Recorded November 4, 2026. Market conditions and interest rates can change. This is general education, not a rate quote, an offer of credit or a commitment to lend. Not all applicants will qualify. Debbie Marcoux NMLS 237926. JMJ Financial Group NMLS 167867. Equal Housing Lender. For licensing information, go to: www.nmlsconsumeraccess.org

11/09/2026

Your Rate Never Changed. Your Payment Did.

Your mortgage payment has two parts. The principal and interest set by your rate never changes on a fixed loan. The other part is your property taxes and your homeowners insurance, and those absolutely can change. Once a year your servicer audits that escrow account to see whether what they are collecting still covers the bills coming in. When the bills go up and the collection does not, that is when you get the letter.

Got one of those letters? Talk to me: https://www.mortgagemomradio.com/

Text LIVE to 844-935-3634



Recorded November 4, 2026. Market conditions and interest rates can change. This is general education, not a rate quote, an offer of credit or a commitment to lend. Not all applicants will qualify. Debbie Marcoux NMLS 237926. JMJ Financial Group NMLS 167867. Equal Housing Lender. For licensing information, go to: www.nmlsconsumeraccess.org

11/08/2026

Learn How an ARM Works Before You Sign One

There is a lot to an adjustable-rate mortgage. The margin, the index, the caps. Two banks can quote you a seven-year ARM and they are not the same loan, because all of those pieces change where your rate lands at the adjustment. An ARM can be the right call for the right situation. Just learn how yours actually works before you sign it, not at the first adjustment.

Thinking about an ARM? Let's go through it together: https://www.mortgagemomradio.com/

Text LIVE to 844-935-3634



Recorded October 28, 2026. Market conditions and interest rates can change. This is general education, not a rate quote, an offer of credit or a commitment to lend. Not all applicants will qualify. Debbie Marcoux NMLS 237926. JMJ Financial Group NMLS 167867. Equal Housing Lender. For licensing information, go to: www.nmlsconsumeraccess.org Illustration, not an offer. On an adjustable-rate mortgage the rate and the payment can rise.

11/07/2026

More Sellers Than Buyers. Make Yours Stand Out.

Right now there are more sellers selling than there are buyers buying. Between high rates and high prices, buyers need help. The strongest thing you can do is offer a closing cost credit the buyer can put toward buying their rate down to a number that makes your home affordable. That is what makes your house stand out from the one down the street with the same floor plan and the same square footage.

Selling and want your home to stand out? Talk to me: https://www.mortgagemomradio.com/

Text LIVE to 844-935-3634



Recorded October 28, 2026. Market conditions and interest rates can change. This is general education, not a rate quote, an offer of credit or a commitment to lend. Not all applicants will qualify. Debbie Marcoux NMLS 237926. JMJ Financial Group NMLS 167867. Equal Housing Lender. For licensing information, go to: www.nmlsconsumeraccess.org Illustration, not an offer. Seller credits and rate buydowns have limits that vary by loan program.

11/06/2026

Good Economic News Can Push Rates Up

Here is the part that catches people off guard. Even if inflation comes in right where we expected, a strong GDP number can lift the 10-year Treasury, because a fast-growing economy keeps inflation pressure alive. Good news for the economy is not automatically good news for your mortgage rate.

Want to know what the next report means for you? Talk to me: https://www.mortgagemomradio.com/

Text LIVE to 844-935-3634



Recorded October 28, 2026. Market conditions and interest rates can change. This is general education, not a rate quote, an offer of credit or a commitment to lend. Not all applicants will qualify. Debbie Marcoux NMLS 237926. JMJ Financial Group NMLS 167867. Equal Housing Lender. For licensing information, go to: www.nmlsconsumeraccess.org

11/05/2026

When Rates Break a Ceiling, It Becomes the New Floor

Rates trade in a range, with a floor and a ceiling, and we want to stay inside it. When we break through the ceiling, we are on our way up, and that old ceiling becomes the new floor. Now we are in a whole different arena. The level we used to fight to stay under becomes the level we are stuck above. That is why one break matters so much more than one day's move.

Want the weekly read on the rate market? Start here: https://www.mortgagemomradio.com/

Text LIVE to 844-935-3634



Recorded October 28, 2026. Market conditions and interest rates can change. This is general education, not a rate quote, an offer of credit or a commitment to lend. Not all applicants will qualify. Debbie Marcoux NMLS 237926. JMJ Financial Group NMLS 167867. Equal Housing Lender. For licensing information, go to: www.nmlsconsumeraccess.org

11/04/2026

Did you get a letter saying your mortgage payment is going up, even though you have a fixed rate? Your rate didn't change. Your taxes and insurance did. In this show I explain how escrow works, why so many escrow accounts came up short this year, what your servicer can and can't do under federal rules, and the steps you can take to bring your payment back under control.

What I cover:
- Why your payment changed when your rate didn't
- What an escrow shortage is, and why it can feel like a double increase
- Your rights: the cushion cap and how a shortage can be repaid
- How to check your escrow analysis for mistakes
- Shopping your insurance and appealing your property taxes
- Whether you can drop escrow altogether

Text LIVE to 844-935-3634
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Recorded November 4, 2026. This is general education, not legal, tax or financial advice, and not a commitment to lend. Debbie Marcoux NMLS 237926.

11/04/2026

Floating Your Rate? You Have Minutes, Not Days

If your loan is floating and you are gambling on a good inflation report, understand how fast this moves. When the data lands, the 10-year can rise and mortgage rates can follow within hours. The rate you were quoted on Monday may not be the rate available to you two days later. Stay in touch with your loan officer, because on a floating loan the window to act is minutes, not days.

Floating right now? Let's talk through it: https://www.mortgagemomradio.com/

Text LIVE to 844-935-3634



Recorded October 28, 2026. Market conditions and interest rates can change. This is general education, not a rate quote, an offer of credit or a commitment to lend. Not all applicants will qualify. Debbie Marcoux NMLS 237926. JMJ Financial Group NMLS 167867. Equal Housing Lender. For licensing information, go to: www.nmlsconsumeraccess.org

11/03/2026

Your HELOC Follows Prime, Not the Mortgage Market

Most home equity lines of credit are adjustable, and they are tied directly to the Federal Reserve prime rate. That is why your minimum payment changed the month after the Fed moved in September, and why it holds where it is until the Fed moves again. Your line of credit is not following the mortgage market. It is following prime.

Questions about your line of credit? Talk to me: https://www.mortgagemomradio.com/

Text LIVE to 844-935-3634



Recorded October 28, 2026. Market conditions and interest rates can change. This is general education, not a rate quote, an offer of credit or a commitment to lend. Not all applicants will qualify. Debbie Marcoux NMLS 237926. JMJ Financial Group NMLS 167867. Equal Housing Lender. For licensing information, go to: www.nmlsconsumeraccess.org On a home equity line of credit the rate and the payment can change.

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Lake Havasu City, AZ

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