The Educated HomeBuyer | First Time Home Buyer Tips, Mortgage Rates & Housing Market Updates

Everyone is talking about Trump’s new housing law, but the biggest headlines may be the least important part of the bill.In this episode, Jeb Smith and Josh Lewis break down what the new housing legislation actually does, what was removed before it passed, and whether it will have any meaningful impact on first-time homebuyers.While much of the attention has focused on limiting large institutional investors from buying more starter homes, those investors own a much smaller percentage of the housing market than many headlines suggest. The bill also does not require them to sell the homes they already own, which means buyers should not expect a sudden flood of affordable inventory.The more important provisions may be the ones receiving far less attention. These include a new HUD pilot program designed to make mortgages under $100,000 more accessible, a permanent process allowing buyers to challenge low appraisals, potential savings on manufactured housing, higher financing limits, and expanded options for accessory dwelling units.Jeb and Josh explain who may benefit from these changes, why the effects will vary dramatically by market, and why buyers should not wait for Washington to solve affordability, inventory, or interest rates.✅ Are you Ready To Become A Homeowner: https://www.buyrightborrowsmart.com/quiz.✅ Start your stress-free journey today: https://www.theeducatedhomebuyer.com/start..Topics DiscussedWhat Trump’s new housing law actually changesWhy institutional investors are not being forced to sellHow many homes large corporate investors really ownWhy the investor restrictions may have little immediate impactThe new small-mortgage pilot programGrants for down payments, closing costs, appraisals, and title insuranceWhat buyers can do when an appraisal comes in lowChanges affecting manufactured homes and ADU financingWhy government policy will not fix housing affordability overnightHow to determine whether you are actually ready to buyTimestamps00:00 Trump’s new housing law and the misleading headlines01:50 Why the bill received overwhelming bipartisan support02:40 What happened to the proposed corporate investor selloff04:45 Why corporations started buying single-family homes06:35 Market-based solutions versus government restrictions08:03 How much of the housing market institutional investors actually own09:01 The two provisions that could help first-time buyers09:43 The new mortgage program for loans under $100,00012:28 What happens when an appraisal comes in low13:03 Reconsideration of value and appraisal challenges14:50 Manufactured housing changes and potential cost savings15:23 Higher FHA limits, ADU financing, and chattel loans16:20 Why the law will not transform housing overnight17:10 The political reality behind major housing legislation17:37 How buyers should decide whether now is the right time18:25 The two-minute homebuyer readiness quiz19:16 The financial and lifestyle factors that matter mostThe Educated HomeBuyer helps buyers understand the housing market, mortgage process, and financial decisions involved in purchasing a home. Subscribe for straightforward conversations designed to help you buy right, borrow smart, and build wealth.

The war in Iran continues to create uncertainty across global markets, but what does that actually mean for the U.S. housing market?In this live housing market update, we’ll discuss how geopolitical tensions could impact oil prices, inflation, mortgage rates, and buyer confidence heading into the second half of the year. We’ll also break down the latest housing data and answer your real estate and mortgage questions live.Start Here 👇🏻✅ Ready to become a homeowner? Start your stress-free journey today: http://www.theeducatedhomebuyer.com/start New podcast episode every Monday. Next week: our mortgage rate forecast for the second half of the year. Search "The Educated HomeBuyer" on Spotify, Apple Podcasts, or YouTube.

Everyone thought mortgage rates would be lower by now... but they were wrong.Inflation surprised the market, the Fed changed its outlook, and new uncertainty has completely shifted the mortgage rate forecast. In this episode, we break down what happened with mortgage rates in the first half of the year, where rates could go in the second half, and what buyers should focus on instead of trying to perfectly time the market.We also discuss why predicting mortgage rates is so difficult, what could finally push rates lower, and how to make a smart home buying decision when nobody knows exactly what comes next.✅ Ready to become a homeowner? Start your stress-free journey today:http://www.theeducatedhomebuyer.com/startTopics Covered: Why mortgage rates didn’t fall like many expected How inflation impacts mortgage rates What the Fed’s latest outlook means for buyers Why global events can create rate volatility Whether mortgage rates could still move lower Should you buy now or wait for lower rates? The biggest mistake buyers make when trying to time the marketTimestamps: 00:00 - Mortgage Rate Forecast: What Changed? 00:35 - Why Experts Were Wrong About Lower Mortgage Rates 02:10 - How Inflation and Global Events Impact Interest Rates 04:25 - The Fed’s Next Move and What It Means For Mortgage Rates 07:15 - Will Mortgage Rates Finally Drop Below 6%? 10:40 - Why Predicting Mortgage Rates Is So Difficult 14:05 - What Lower Rates Could Mean For Home Prices 17:30 - Should You Buy A House Now Or Wait For Rates To Fall? 21:45 - The Biggest Mistake Home Buyers Make With Interest Rates 25:00 - How To Make A Smart Home Buying Decision In Today’s MarketTrying to decide if you should buy a house now or wait for lower mortgage rates? This episode will help you understand the market, avoid emotional decisions, and create a plan based on your goals.

Housing market update for this week: inventory finally topped last year, with 841,000 homes versus 831,000. Sellers are getting more realistic on price, and mortgage rates sit at 6.65%. Josh Lewis and Jeb Smith break down what it means for buyers, then answer your questions live.In this episode: national and Orange County inventory, new listings and pending sales, price reductions at 39%, mortgage spreads at 2.02, jobs week data, Cleveland Fed inflation nowcast, real home prices by state from Visual Capitalist, and California's proposed AB 736 transfer tax.We answer YOUR mortgage and real estate questions live every Wednesday. Drop a question in the comments or join us live next show.Get connected with Josh's mortgage team or a realtor anywhere in the country:https://jebsmith.net/starthttps://theeducatedhomebuyer.com/startNew podcast episode every Monday. Next week: our mortgage rate forecast for the second half of the year. Search The Educated HomeBuyer on Spotify, Apple Podcasts, or YouTube.Chapters 0:00 Housing Market Update: Inventory Finally Tops Last Year 9:45 Jobs Week: JOLTS, ADP + Payrolls Preview 12:38 Real Home Prices, New Inflation Data + Fed Hike Odds 17:50 Mortgage Rates Today: 6.65% 18:55 LIVE Q&A: Ask Us Anything Mortgage or Real Estate 19:25 Max Seller Concessions on a Second Home? 20:35 Who Builds the Cheapest New Construction Homes? 22:20 Roof Replacement Cost 23:55 New Construction Tips 27:50 Realtor Commission 31:20 FHA vs VA vs Conventional 36:25 Is a $1,000 HOA Document Fee Normal? 37:50 California's Proposed Transfer Tax: AB 736 39:42 Can I Beat a 6.2% Rate? 43:00 Pay Down PMI or Wait It Out? 45:40 Offering Below the Competition 50:20 Is It a Good Time to Refinance? 51:00 75 Days on Market, Is That Normal?Josh Lewis, BuyWise Mortgage, NMLS #1942Jeb Smith, Realtor#housingmarket #mortgagerates #realestate

If you're a first-time home buyer, you've probably spent months saving for your down payment... only to find out there's a whole second pile of money you didn't plan for. They're called closing costs, and most buyers have no idea what they're actually paying for, who's responsible for them, or that some of them can be negotiated. In this episode, Jeb Smith and mortgage expert Josh Lewis break down everything first-time buyers need to know about closing costs and, more importantly, how to keep your cash to close to an absolute minimum.We start by clearing up one of the most confusing parts of the home buying process: the difference between your down payment, your closing costs, and your prepaids, and how all three combine into your total cash to close. You'll learn what actually shows up on your closing disclosure, why closing costs vary so much from state to state, and a realistic rule of thumb for how much money you'll need beyond your down payment.Then we get into the good stuff: the five levers you can pull to get someone else to help pay your closing costs. We cover how seller concessions (also called interested party concessions) work, the concession caps by loan type for conventional, FHA, VA, and USDA loans, how lender credits let you trade a slightly higher rate for cash at closing, the difference between a permanent buy down and a temporary 2-1 buy down, and how gift funds can cover your down payment, closing costs, and prepaids.Throughout the episode we hammer one key point that too many loan officers ignore: seller-paid money is NOT free money. Every dollar in concessions is a dollar you could have used to lower your purchase price, so understanding the trade-offs is everything. Whether you're buying in a hot seller's market or a slower buyer's market, you'll walk away knowing how to structure an offer that gets you into the home with a payment you're comfortable with and the least cash out of pocket possible.What you'll learn in this episode:What closing costs actually are and how they differ from prepaids and your down paymentHow much cash you really need to buy a home as a first-time buyerHow seller concessions work and the caps for each loan programHow lender credits, points, and buy downs affect your cash to close and monthly paymentHow gift funds can cover your down payment AND closing costsWhy seller-paid credits are not "monopoly money" and how to weigh the trade-offs✅ Ready to become a homeowner? Start your stress-free journey today: http://www.theeducatedhomebuyer.com/startBuy right, borrow smart, and build wealth.Keywords: closing costs explained, first time home buyer, seller concessions, cash to close, how much money to buy a house, FHA loan, conventional loan, VA loan, USDA loan, down payment assistance, gift funds, mortgage buy down, 2-1 buy down, lender credits, home buying tips, first time home buyer guide

A new Fed Chair and fewer expected Federal Reserve rate cuts could have a huge impact on mortgage rates, first-time home buyers, and housing affordability in 2026. If you're wondering whether you should buy a house now or wait for lower mortgage rates, this video breaks down what actually drives mortgage interest rates and why the Fed doesn't directly control them. Learn how inflation, the bond market, and investor expectations affect home loan rates and what it means for first-time home buyers trying to navigate today's housing market.Whether you're buying your first home, getting pre-approved for a mortgage, or trying to decide if waiting for lower rates is the right strategy, understanding how mortgage rates work could save you thousands. Discover what the new Fed Chair means for the housing market, why rate cuts don't always translate into lower mortgage rates, and the biggest mistakes first-time buyers make when trying to time the market.If you're a first-time home buyer looking to buy a house in 2026, this video will help you understand mortgage rates, affordability, and how to make smarter home buying decisions in today's market.✅ Ready to buy a house in 2026? Start your stress-free journey today: theeducatedhomebuyer.com/start

10 Insider Rules for a Smooth, Stress-Free Home ClosingMost first-time home buyer closing problems do not happen at the closing table. They usually start weeks earlier because buyers were not prepared for what happens after their offer is accepted.In this episode of The Educated Homebuyer, Jeb Smith and Josh Lewis break down the 10 insider rules that help first-time home buyers avoid closing delays, financing surprises, homeowners insurance issues, appraisal problems, and last-minute stress. The big lesson is simple: a smooth home closing starts before the contract clock ever begins. :contentReference[oaicite:0]{index=0}If you are buying your first home, the home buying process can feel overwhelming. You have to think about your mortgage approval, down payment, closing costs, inspections, appraisal, homeowners insurance, escrow, title, final loan conditions, and moving plans. But with the right preparation, your closing does not have to feel chaotic.In this episode, you will learn:Why first-time home buyers should prepare before writing an offerHow homeowners insurance can delay or disrupt your home closingWhy choosing your mortgage program early mattersWhat financial mistakes to avoid while under contractHow inspections, appraisals, and underwriting affect your closing timelineWhy a “boring” closing is exactly what every home buyer should wantThis episode is especially helpful for first-time home buyers who want to understand what happens after an offer is accepted and how to avoid common mistakes that can delay closing. Whether you are just starting your home buying journey or already shopping for homes, these tips can help you buy with more confidence and less stress.✅ Ready to become a homeowner? Start your stress-free journey today:https://www.theeducatedhomebuyer.com/startSubscribe to The Educated Homebuyer for more first-time home buyer tips, mortgage education, real estate guidance, and strategies to help you buy right, borrow smart, and build wealth through homeownership.

Why First-Time Home Buyers Shouldn’t Wait for a 2008 Housing Market CrashIf you’re a first-time home buyer waiting for the housing market to crash before you buy a home, this video is for you. A lot of buyers are comparing today’s market to 2008, but the data tells a very different story.In 2008, loose lending standards, zero-down loans, risky adjustable-rate mortgages, and a flood of foreclosures pushed home prices down. Today, most homeowners have significant equity, stronger credit profiles, fixed-rate mortgages, and there is still a major shortage of housing inventory across the country.For first-time home buyers, the real question isn’t “will the housing market crash?” It’s whether you are financially prepared to buy the right home, with the right mortgage, for the right long-term reasons. That means understanding your budget, improving your credit score, building an emergency fund, and getting clear on what you can comfortably afford.If you’re trying to decide whether to buy now or wait, this conversation breaks down the biggest differences between today’s housing market and 2008 so you can make a confident decision as a first-time home buyer.✅ Ready to become a Homeowner ? Start your stress-free journey today: theeducatedhomebuyer.com/startTopics covered: First-time home buyer tips in today’s housing market Why the 2026 housing market is not like 2008 Should first-time buyers wait to buy a home? How mortgage lending standards have changed Why homeowner equity matters How supply and demand impact home prices How to prepare to buy your first homeWatch before buying your first home in today’s housing market.

Is the housing market finally shifting away from sellers? In this episode of The Educated Homebuyer, Jeb Smith and Josh break down why sellers are pulling homes off the market at the fastest pace since 2020, what that means for inventory levels, and how it could impact first-time home buyers heading into the second half of the year.You'll learn why many homeowners are choosing not to sell, how low mortgage rates from previous years continue to limit housing supply, and why inventory remains one of the most important factors driving home prices today. We also discuss current housing market trends, pending home sales, new listings, mortgage rate movement, and whether buyers should expect home prices to decline in the coming years.For first-time home buyers, this episode provides critical insight into affordability, real home price trends versus nominal home prices, builder incentives, mortgage options, and why waiting for a housing market crash may not be the best strategy. Jeb and Josh explain how inflation impacts housing affordability and why many experts believe home prices could remain relatively flat while becoming more affordable over time.Topics covered include:Housing inventory trends and why supply remains historically lowWhy sellers are removing listings from the marketCurrent mortgage rates and affordability challengesFirst-time home buyer opportunities in today's marketBuilder incentives and new construction risksReal estate market predictions for 2026 and beyondWhy a major housing market crash remains unlikelyHow inflation affects home values and purchasing powerWhether now is a good time to buy a houseStrategies for navigating today's housing marketWhether you're buying your first home, considering selling, or simply trying to understand where the real estate market is headed, this episode provides the data and insights you need to make informed decisions.✅ Ready to become a homeowner? Start your stress-free journey today:https://www.jebsmith.net/start

Consumer debt is becoming one of the biggest obstacles for first-time homebuyers in 2026.In this episode of The Educated Homebuyer, Jeb Smith and Josh Lewis break down how credit cards, student loans, car payments, personal loans, and high debt-to-income ratios are impacting mortgage approvals in today’s housing market.With first-time homebuyers making up just 21% of the market, many buyers are being held back not only by home prices or mortgage rates, but by monthly debt payments that reduce purchasing power and make it harder to qualify for a home loan.Jeb and Josh explain what lenders look at when reviewing your mortgage application, why consumer debt can limit your home buying budget, and what smart buyers are doing now to improve their chances of getting approved in 2026.If you are planning to buy a home in 2026, this episode will help you understand how to prepare financially, avoid common mortgage approval mistakes, and take the right steps before applying for a home loan.Topics covered: Why consumer debt matters for first-time homebuyers How debt-to-income ratio affects mortgage approval The impact of student loans on home buying How credit cards and car payments reduce buying power Why some buyers are still getting approved in 2026 How to prepare before starting the home buying process✅ Ready to buy a house in 2026? Start your stress-free journey today: theeducatedhomebuyer.com/start

Is the spring housing market still strong even with higher mortgage rates? In this episode of The Educated Homebuyer, Jeb Smith and Josh Lewis break down what first-time home buyers need to know about today’s real estate market, including inventory trends, buyer demand, mortgage rate movement, price reductions, and what it all means if you’re trying to buy a home.If you’re a first-time home buyer wondering whether to buy now or wait, this episode will help you understand the data behind the headlines so you can make a more confident decision. Jeb and Josh explain why inventory remains tight in many markets, why turnkey homes are still competitive, and how higher mortgage rates are affecting affordability without completely stopping buyer demand.You’ll learn how to think about today’s housing market, what to watch in the months ahead, and why getting educated before you start shopping is one of the most important steps in your home buying journey.✅ Ready to become a homeowner? Start your stress-free journey today: https://www.jebsmith.net/start

First-time home buyers: mortgage rates just moved fast, and understanding what’s driving them could help you make a smarter home buying decision.In this episode, Jeb Smith and Josh Lewis break down what happened to mortgage rates, why inflation, Treasury yields, and global events are impacting affordability, and what first-time buyers should watch before buying a home in today’s housing market.You’ll learn what higher mortgage rates mean for your monthly payment, how to think about timing the market, and the key signs that could point to rates improving in the future.✅ Ready to become a homeowner? Start your stress-free journey today: http://www.theeducatedhomebuyer.com/start

If you’re a first-time homebuyer in 2026, chances are you’ve been told now is the worst possible time to buy a home. Between headlines about high interest rates, affordability challenges, and a “frozen” housing market, many buyers feel overwhelmed, discouraged, and unsure where to start. But the truth is far more nuanced — and far more hopeful — than what the media wants you to believe.In this episode of The Educated Homebuyer, mortgage expert Josh Lewis and real estate agent Jeb Smith break down the biggest myths keeping buyers on the sidelines in today’s market. From the misconception that you need perfect credit and a 20% down payment to buy a home, to the false narrative that “nobody is buying,” this conversation uncovers what’s really happening in the housing market right now.The reality? Buyers are still buying homes every single day. Purchase applications are increasing year-over-year, FHA loans continue to dominate the first-time buyer market, and many successful buyers are purchasing homes with low down payment options and strategic financing solutions. Josh and Jeb explain why affordability is more than just a headline, how inventory shortages continue to impact competition, and why understanding your local market is more important than listening to national fear-driven media coverage.You’ll also learn: Why first-time homebuyers are still a major force in today’s market How FHA and low down payment loan programs are helping buyers succeed Why waiting for the “perfect” market could cost you more in the long run The truth about multiple offer situations and buyer competition in 2026 How local market conditions impact your negotiating power Why working with experienced professionals matters more than ever The costly mistake many buyers are making by sitting on the sidelinesWhether you’re actively preparing to buy your first home or simply trying to understand what’s really happening in today’s housing market, this episode delivers practical advice, real-world insight, and honest conversations designed to help you buy right, borrow smart, and build long-term wealth through homeownership.✅ Ready to become a homeowner? Start your stress-free journey today: theeducatedhomebuyer.com/start

Why Shopping for a Mortgage Lender Can BackfireShopping for a mortgage lender sounds like the smart move—but if you’re only chasing the lowest interest rate, it could cost you more money, more stress, and even your dream home.In this episode of The Educated Homebuyer, Josh Lewis and Jeb Smith break down the top 5 reasons you should not shop for a lender the wrong way. They explain why rate shopping without a full pre-approval, loan program clarity, and accurate cost comparisons often leads homebuyers into confusion instead of confidence.What You’ll Learn in This Episode Why the lowest mortgage rate is not always the best deal How discount points can make a lender quote look better than it really is Why you should not compare mortgage quotes from different days How talking to too many lenders can create analysis paralysis The right way to shop for a mortgage lender in 2026If you’re a first-time homebuyer, refinancing, or preparing to buy a home in 2026, this episode will help you understand how to compare lenders the right way—without getting misled by teaser rates, hidden fees, or incomplete pre-approvals.Josh also shares the smarter approach: start with a complete mortgage pre-approval, understand your loan program, compare zero-point pricing, and work with an experienced mortgage advisor who can guide you from application to closing.✅ Ready to buy a home in 2026? Start your stress-free journey today:theeducatedhomebuyer.com/start

War Headlines Just Shifted Mortgage Rates: What Homebuyers Need to KnowMortgage rates are moving again, and this time the driver is not just inflation or jobs data — it is global uncertainty. In this episode of The Educated HomeBuyer Podcast, Jeb Smith and Josh Lewis break down how war headlines, oil prices, inflation expectations, employment data, housing inventory, and mortgage spreads are all impacting today’s housing market.If you are trying to decide whether to buy a home, wait for lower mortgage rates, or understand what is really happening in real estate right now, this episode gives you the context behind the headlines.What’s Happening With Mortgage Rates?Mortgage rates have been volatile as markets react to conflicting geopolitical headlines. When news suggests progress toward a ceasefire or reduced conflict, bonds often improve and mortgage rates can move lower. When tensions rise, oil prices and inflation concerns can increase, putting pressure on rates.Jeb and Josh explain why traditional economic data like jobs and inflation still matters, but in the current environment, war headlines and energy prices are taking center stage.Housing Inventory Is Still a Major ProblemThe episode also looks at national and local housing inventory trends. Active inventory declined week over week, which is unusual for this time of year. More inventory typically gives buyers more options, reduces pressure on bidding wars, and helps sellers feel more comfortable listing their homes.But inventory growth remains uneven across the country. Some markets are seeing more listings, while others — including parts of California and Orange County — remain tight compared to historical norms.Are Foreclosures Pointing to a Housing Crash?Jeb and Josh also discuss foreclosure and delinquency data. While some loan types are seeing rising stress, the broader data does not currently point to a nationwide housing crash. Delinquencies are worth watching, especially with consumer stress rising, but the market still does not resemble the conditions that led to the 2008 housing collapse.Key Topics Covered in This Episode Why war headlines are creating mortgage rate volatility How oil prices can impact inflation and interest rates Why jobs data still matters for mortgage rates What declining housing inventory means for buyers Orange County and Huntington Beach real estate trends Why mortgage spreads are helping keep rates from moving even higher Whether foreclosure data signals a housing crash When buying a rental property may or may not make sense How credit score improvements can impact your mortgage optionsWhat This Means for HomebuyersThe biggest takeaway: do not make homebuying decisions based on headlines alone. Mortgage rates, inventory, affordability, credit, loan structure, and your personal timeline all matter. A small move in mortgage rates can affect your payment, but the right strategy can help you navigate uncertainty with more confidence.Instead of asking, “Is now the perfect time to buy?” the better question is: “What does the right homebuying plan look like for my income, savings, credit, market, and long-term goals?”Ready to Become a Homeowner?✅ Ready to become a homeowner? Start your stress-free journey today:https://www.theeducatedhomebuyer.com/startGet a clear roadmap, understand your numbers, and work with experts who can help you buy right, borrow smart, and build wealth through real estate.

Can you really afford the home you want? In this episode, we break down debt-to-income ratio (DTI) and explain how lenders use your income, monthly debts, loan program, down payment, and mortgage payment to determine how much house you can qualify for.We also walk through the income needed to qualify for homes at different price points, including $300K, $500K, $750K, and $1M, so you can better understand what lenders are actually looking for before you start shopping.If you are a first-time homebuyer or trying to figure out how much house you can afford, this conversation will help you understand the mortgage approval math in plain English.✅ Ready to buy a house in 2026? Start your stress-free journey today: theeducatedhomebuyer.com/start

First-Time Home Buyer Guide: Everything You Need to Know to Buy Smart Buying your first home is one of the biggest financial decisions you’ll ever make. If you’re a first-time home buyer, understanding the mortgage process, down payment options, closing costs, credit score requirements, and today’s housing market can feel overwhelming. The good news? With the right strategy, becoming a homeowner is achievable. More importantly, homeownership can be one of the most powerful ways to build long-term wealth, create housing stability, and protect yourself from rising rents over time. Why First-Time Home Buyers Need a Plan A smart first-time home buyer strategy goes beyond asking, “What’s my monthly payment?” You also need to understand: How much house you can afford What mortgage loan program fits your goals How much money you need for a down payment What closing costs to expect How mortgage rates affect your buying power Whether buying now makes sense for your financial situation For many first-time buyers, the biggest mistake is trying to time the market instead of building a clear home buying plan. Mortgage rates, housing inventory, home prices, and local market conditions all matter—but your personal readiness matters most. First-Time Home Buyer Benefits Homeownership is not just about having a place to live. For many buyers, it creates a foundation for long-term financial growth and stability. Fixed housing costs: A fixed-rate mortgage can help protect you from rising rent. Equity growth: Each mortgage payment can help build ownership in your home. Forced savings: Paying down principal builds wealth over time. Long-term appreciation: Real estate may increase in value over time. Pride of ownership: You can make the home your own. First-Time Home Buyer Tips Before you start shopping for homes, take the time to understand your numbers and your options. The more educated you are upfront, the more confident you’ll feel when it’s time to make an offer. Get pre-approved before touring homes. Review your credit, income, assets, and monthly debts. Compare FHA, VA, Conventional, and first-time home buyer loan options. Understand your full monthly payment, including taxes, insurance, and mortgage insurance. Work with an experienced mortgage advisor who can explain the “why” behind your options. The right guidance can make the difference between feeling overwhelmed and feeling prepared. A successful first-time home buying journey starts with education, strategy, and a clear path toward approval. Start Your First-Time Home Buyer Journey Whether you’re just starting to research how to buy your first home or you’re ready to get pre-approved, the next step is getting expert guidance tailored to your goals. ✅ Ready to become a homeowner? Start your stress-free journey today: https://www.theeducatedhomebuyer.com/start

Housing supply could be the biggest factor shaping the 2026 peak buying season. In this episode, we break down why inventory matters so much, how it impacts buyer competition, seller leverage, home prices, and what today’s market signals could mean for anyone planning to buy or sell a home.The spring housing market is usually the busiest time of year, but when housing supply does not show up the way buyers expect, everything changes. Fewer listings can keep competition elevated, limit buyer choices, and prevent prices from softening in markets where demand is still active. At the same time, higher mortgage rates, economic uncertainty, and hesitant sellers can create a confusing market where buyers are unsure whether to move forward or wait.In this conversation, we explain what is happening with housing inventory, why supply and demand still drive the real estate market, and how buyers should think about strategy heading into the next peak buying season. We also discuss why local market conditions matter, how leverage can shift between buyers and sellers, and why waiting for the “perfect” market could come with tradeoffs.If you are planning to buy a home in 2026, this episode will help you better understand what to watch, how to prepare, and why getting clear on your financing, budget, and local market strategy matters before competition heats up.✅ Ready to buy a house in 2026? Start your stress-free journey today: theeducatedhomebuyer.com/start.Topics covered in this episode: Why housing supply has a huge impact on peak buying season How low inventory affects homebuyers and sellers Why mortgage rates influence buyer demand What happens when sellers hesitate to list their homes How to think about buying a home in a changing market Why local real estate conditions matter more than national headlines How to prepare for buying a house in 2026Subscribe to The Educated HomeBuyer for clear, honest, and practical guidance on buying right, borrowing smart, and building wealth through real estate.

Zillow just downgraded its housing market forecast—so what does that really mean for home prices, mortgage rates, inventory, and buyers in today’s market?In this episode of The Educated Home Buyer, Jeb Smith and Josh Lewis break down Zillow’s latest housing market forecast and explain why the headline matters, what “flat” home price growth could mean nationwide, and why local real estate markets may behave very differently from national averages.If you’ve been wondering whether the housing market is cooling, whether home prices are about to fall, or how interest rates and inventory are shaping buyer and seller behavior, this video gives you a practical, no-hype explanation of what’s happening right now.The discussion covers Zillow’s revised projection for year-over-year home price growth, why many markets are expected to remain relatively flat, and why some areas in the Northeast may continue to outperform while other regions could see softer pricing. Jeb and Josh also discuss active inventory trends, pending home sales, price reductions, and the relationship between the 10-year Treasury and mortgage rates—giving you a broader look at the forces driving the housing market today.This episode is especially helpful for: First-time homebuyers trying to understand whether now is a good time to buy Move-up buyers watching rates, inventory, and affordability Homeowners wondering what Zillow’s forecast means for their home value Anyone following real estate trends, housing market predictions, and mortgage rate movementIn this video, we cover: Zillow’s downgraded housing market forecast and what “flat” price growth really means Why national housing data can be misleading for local markets Current housing inventory trends across the U.S., Orange County, and Huntington Beach What pending sales and price reductions are telling us about buyer demand How mortgage spreads and the 10-year Treasury influence mortgage rates Why uncertainty, affordability pressure, and limited supply continue to shape the marketIf you want to make better real estate decisions in today’s market, this episode will help you cut through the noise and focus on the numbers that actually matter.✅ Ready to become a homeowner? Start your stress-free journey today:http://www.theeducatedhomebuyer.com/start📩 Email:[email protected]💻 Website:http://www.theeducatedhomebuyer.com=========================================Connect with me 👇Jeb SmithDRE 01407449Real BrokerConnect with me 👇Josh Lewis (Huntington Beach Certified Mortgage Expert)DRE 01209148Buywise MortgageM: 714-916-5727About The Educated Home Buyer:The Educated Home Buyer is your resource for learning how to buy right, borrow smart, and build wealth through real estate. Each episode is designed to help buyers and homeowners better understand the housing market, mortgage financing, affordability, interest rates, and long-term homeownership strategy.Topics covered on this channel include: Housing market updates Mortgage rate analysis Real estate trends Home buying tips First-time buyer education Home affordability and financing strategies Orange County real estate insightsWatch this video if you’re searching for: Zillow housing market forecast housing market update will home prices go down mortgage rate update real estate market forecast 2026 housing inventory update is now a good time to buy a house Orange County housing marketDon’t forget to like, comment, and subscribe for weekly housing market updates, mortgage guidance, and homebuyer education designed to help you make confident decisions in any market.

Everyone thought the housing market was about to take off this spring… but the exact opposite is happening.Sales are down, inventory growth is slowing, and first-time home buyers just hit the lowest level ever recorded. So what’s really going on? Is the housing market actually stalled, or are people just misunderstanding what the data is telling us?In this episode of The Educated Homebuyer, Jeb and Josh break down what’s happening in today’s housing market, why this spring hasn’t looked the way many expected, and what it means if you’re trying to buy a home right now. You’ll get a clear, no-hype explanation of the trends shaping the market so you can make smarter decisions with more confidence.If you’re watching mortgage rates, waiting for more inventory, or wondering whether now is the right time to buy, this episode will help you cut through the noise and focus on what actually matters.✅ Ready to become a homeowner? Start your stress-free journey today: theeducatedhomebuyer.com/start

Is the 2026 Housing Market Slowing Down? Here’s What You Need to KnowThe 2026 housing market is showing signs of slowing, and if you're thinking about buying or selling, this is information you need to understand. In this episode of The Educated Homebuyer, we break down the latest trends shaping today’s real estate market, including inventory levels, rising interest rates, inflation concerns, and shifting buyer demand.You’ll learn why inventory is unexpectedly moving sideways during what should be the hottest time of year, how mortgage rates are impacting affordability, and why homes are taking longer to sell compared to previous years. We also dive into local insights from Orange County, California, and explain what these changes could mean for home prices in the months ahead.Whether you're a first-time buyer, seasoned investor, or just trying to make sense of today’s market, this episode gives you the clarity you need to make smarter decisions. :contentReference[oaicite:0]{index=0}Topics covered: Why housing inventory isn’t rising as expected The real impact of interest rates and inflation What’s happening with home prices across the U.S. Why homes are sitting longer on the market Local Orange County housing trends What buyers and sellers should expect nextThis episode is packed with real-time data, expert insights, and practical advice to help you navigate a changing housing market.✅ Ready to become a homeowner? Start your stress-free journey today:http://www.theeducatedhomebuyer.com/start

What if one financial mistake could shape the way you approach homeownership forever? In this powerful episode, Juan opens up about how his family’s foreclosure during the 2008 financial crisis became the foundation for smarter, more intentional decisions years later. Instead of chasing the market or overextending, he and his wife focused on financial stability, disciplined savings, and buying within their means—ultimately allowing them to purchase their first condo in 2021 and successfully move up to a single-family home while keeping their original property as a long-term investment.We dive into the realities of today’s housing market, including why trying to time the market can backfire, how to prepare financially for homeownership, and the importance of aligning goals as a couple. Juan also shares the mindset shifts that helped him avoid common pitfalls—like stretching too far on a purchase—and how patience, preparation, and clear communication created a path to sustainable wealth and peace of mind.If you're a first-time buyer, planning your next move, or simply want to make smarter financial decisions in real estate, this episode is packed with real-world insights you won’t want to miss.✅ Ready to become a Homeowner? Start your stress-free journey today: theeducatedhomebuyer.com/start

Mortgage rates just dropped following news of a ceasefire—but will it actually last?In this episode of The Educated Homebuyer, we break down what’s really happening in the market right now and what it means for you if you’re thinking about buying a home in 2026. From bond market volatility to inflation trends and oil price impacts, we connect the dots so you can understand why mortgage rates move—and what could happen next.We also dive into: Why today’s rate drop didn’t stick (and what caused it) How global events like oil supply disruptions affect mortgage rates What inflation data is signaling for future interest rates Whether now is the right time to buy—or wait What smart homebuyers should be watching in the weeks aheadIf you’re feeling confused by headlines or unsure how to time your home purchase, this episode gives you a clear, data-driven perspective so you can make confident decisions.🎯 Ready to take the next step?➡️ FREE Online Workshop – Your Guide to Buying a Home in 2026Learn the exact step-by-step plan to buy smart in today’s market:https://www.theeducatedhomebuyer.com/workshop✅ Ready to become a homeowner? Start your stress-free journey today:http://www.theeducatedhomebuyer.com/start

Most buyers think the highest offer always wins—but in today’s real estate and housing market, that is not how sellers actually decide. Whether you are a first-time home buyer or already navigating the process of buying a home, understanding what sellers look for can make or break your offer.In this episode, Jeb Smith and Josh Lewis break down what really matters when buying a house, including price, net proceeds, financing strength, contingency timelines, escrow length, and overall certainty of closing. If you are trying to compete in today’s competitive housing market, this is critical knowledge every buyer needs.You will learn how to structure a strong real estate offer, why the highest price does not always win, and how sellers evaluate risk when reviewing multiple offers. From down payment size to lender communication and inspection timelines, every detail plays a role in whether your offer gets accepted.This is especially important for first-time home buyers who want to avoid common mistakes and better understand how the real estate process works behind the scenes. If you are serious about buying a home and want to stand out in a competitive housing market, this episode will give you a clear strategy.In this episode, we cover: Why the highest offer does not always win in real estate How sellers evaluate offers in today’s housing market What first-time home buyers need to know before buying a house How contingencies impact your chances of getting accepted How to structure a strong offer when buying a home What makes an offer feel safe and likely to closeHelpful Resources:➡️ FREE Online Workshop - Your Guide to Buying A Home In 2026✅ Ready to become a homeowner? Start your stress-free journey todayIf you are planning on buying a house or want to stay up to date with the latest real estate insights, make sure to follow along for more tips on navigating the housing market.

Have mortgage interest rates already bottomed for 2026? In this episode of The Educated Homebuyer, we break down the recent jump in mortgage rates, why global conflict, oil prices, inflation, and Treasury yields are all putting upward pressure on the market, and what that means for buyers planning to purchase a home this year. We also explain whether waiting for lower rates is a smart strategy, what would need to change for rates to fall again, and how homebuyers should think about timing the market in 2026. If you want to make a confident, informed homebuying decision in today’s market, this episode is a must-watch. :contentReference[oaicite:0]{index=0}Timestamps:00:00 – Have mortgage rates bottomed for 2026?00:45 – Why rates spiked (global conflict & oil impact)02:30 – How much rates have actually increased03:30 – Comparing past rate spikes vs. today04:30 – Why this time may be different05:30 – Inflation, oil, and economic ripple effects07:30 – Government spending, debt, and rate pressure09:30 – What needs to happen for rates to fall again11:00 – Jobs data, inflation, and Fed outlook13:00 – Can we see lower rates later in 2026?14:30 – What this means for homebuyers right now16:00 – Final take: Have we seen the lowest rates of the year?➡️ FREE Online Workshop - Your Guide to Buying A Home In 2026✅ Ready to become a homeowner? Start your stress-free journey today

✅ Ready to become a homeowner? Start your stress-free journey today:⁠theeducatedhomebuyer.com/start⁠📩 Have questions about your situation? Connect with our team:⁠theeducatedhomebuyer.com/startWaiting to buy a home could be costing you more than you think. While most buyers focus on mortgage rates, home prices, and monthly payments, very few stop to consider the true financial cost of waiting—and in many cases, it’s significant.In this episode of The Educated Homebuyer, we break down the real math behind the “buy now vs wait” decision. From steady home price appreciation to competitive market dynamics, even modest increases in value can add up to thousands of dollars over time. And while many buyers are holding out for lower interest rates, the reality is you don’t control both price and rate at the same time.If you're a first-time homebuyer or planning to purchase in today’s housing market, this episode will help you better understand affordability, timing, and how to make a confident decision based on your personal situation—not headlines.In this episode, we cover:The hidden cost of waiting to buy a homeHow home price appreciation impacts your buying powerWhy timing the market is nearly impossibleThe relationship between mortgage rates and home pricesHow to decide if now is the right time for you to buyWhether you're debating buying your first home or making your next move, this episode gives you the clarity you need to move forward with confidence.CONNECT WITH US:Jeb Smith | Huntington Beach Realtor / Orange County Real EstateDRE #01407449Real Broker Josh Lewis | Huntington Beach Certified Mortgage ConsultantNMLS 234220 | CA DRE 01209148BuyWise MortgageCall/Text: ⁠714-916-5727⁠

Start your stress-free loan journey today⁠⁠FREE Home Buying Workshop⁠⁠Join Rate Watch – we’ll watch rates for you⁠Email: ⁠[email protected] FED just sent a warning that most people are completely missing and it could have a direct impact on the housing market. With inflation not cooling as fast as expected, rates staying higher for longer, and uncertainty rising from global events, the path forward just got a lot more complicated for homebuyers. In this video, we break down exactly what the FED said, what it really means for mortgage rates, and whether you should be buying now or waiting as the housing market shifts.Connect with Us 👇Jeb Smith | Huntington Beach Realtor / Orange County Real EstateDRE #01407449 | Real BrokerJosh Lewis | Huntington Beach Certified Mortgage ConsultantNMLS 234220 | CA DRE 01209148 | BuyWise MortgageCall/Text: 714-916-5727

Thinking about buying soon?Start here → https://www.theeducatedhomebuyer.com/startSubscribe to The Educated Homebuyer for weekly insights on buying right, borrowing smart, and building long-term wealth through real estate.If you're thinking about buying a home and want to learn the smartest way to get started, visit https://www.theeducatedhomebuyer.com/start.Mortgage rates might not fall anytime soon — and oil prices could be the reason why.In this episode of The Educated Homebuyer, Jeb Smith and Josh Lewis break down the surprising connection between oil prices, inflation, and mortgage rates. While many buyers focus on the Federal Reserve, global energy markets may actually play a bigger role in where interest rates go next.With rising tensions in the Middle East pushing oil prices higher, the ripple effects could impact inflation expectations and keep mortgage rates elevated longer than many buyers expect.In this episode, we discuss:Why oil prices can influence mortgage ratesHow global conflicts affect inflation and financial marketsThe connection between energy prices and interest ratesWhy uncertainty in global markets can keep rates higherWhat homebuyers should actually be watching right nowIf you're waiting for mortgage rates to drop before buying a home, understanding these macro forces can help you make smarter decisions instead of reacting to headlines.CONNECT WITH US:Jeb Smith | Huntington Beach Realtor / Orange County Real EstateDRE #01407449 | Real BrokerJosh Lewis | Huntington Beach Certified Mortgage ConsultantNMLS 234220 | CA DRE 01209148 | BuyWise MortgageCall/Text: 714-916-5727

Start your stress-free loan journey today⁠⁠Join Rate Watch – we’ll watch rates for you⁠Email: ⁠[email protected] interest rates are moving higher due to uncertainy in the Middle East and how it will impact oil prices and inflation going forward. In this LIVE episode, we’re breaking down what’s really driving mortgage rates, how the latest inflation and jobs data impact the housing market, and what it all means for buyers and homeowners heading into 2026 so you can make smart decisions and become The Educated HomeBuyer.Connect with Us 👇Jeb Smith | Huntington Beach Realtor / Orange County Real EstateDRE #01407449 | Real BrokerJosh Lewis | Huntington Beach Certified Mortgage ConsultantNMLS 234220 | CA DRE 01209148 | BuyWise MortgageCall/Text: 714-916-5727

✅ Ready to become a homeowner? Start your stress-free journey today:⁠⁠theeducatedhomebuyer.com/start⁠⁠📩 Have questions about your situation? Connect with our team:⁠⁠theeducatedhomebuyer.com/startIs the housing market finally starting to improve? In this episode of The Educated Homebuyer, Jeb Smith and mortgage expert Josh Lewis break down Zillow’s latest housing market forecast and what it means for home prices, affordability, and mortgage rates heading into 2026.Recent data suggests that housing affordability has improved, with the average buyer potentially able to afford about $30,000 more home compared to this time last year. But what’s actually driving that shift? Is it falling mortgage rates, slowing home price growth, rising incomes, or something else entirely? In this episode, we dive into the three key factors that impact affordability: interest rates, home prices, and wages, and explain how each one could shape the housing market over the next 12 months.We also discuss Zillow’s projection for home price growth, why housing market forecasts can change quickly, and what homebuyers and homeowners should really be paying attention to as the market evolves. If you’re wondering whether now is the right time to buy a home, wait for lower mortgage rates, or prepare for a changing real estate market, this episode will help you cut through the headlines and focus on what matters most.Whether you're a first-time homebuyer, repeat buyer, homeowner, or real estate investor, this episode offers practical insight into where the housing market may be headed and how to make smarter decisions in today’s environment.If you're thinking about buying a home and want to learn the smartest way to get started, visit www.theeducatedhomebuyer.com/start.Topics covered in this episode: Zillow’s latest housing market predictions Why housing affordability may be improving Mortgage rate trends and what could happen next Home price forecasts for the next 12 months The three factors that drive housing affordability Should you buy a home now or wait for better conditions?The Educated Homebuyer Podcast is designed to help you buy right, borrow smart, and build wealth through real estate with expert insights on mortgages, housing trends, and smart homebuying strategies.Connect with Us 👇Jeb Smith | Huntington Beach Realtor / Orange County Real EstateDRE #01407449 | Real BrokerJosh Lewis | Huntington Beach Certified Mortgage ConsultantNMLS 234220 | CA DRE 01209148 | BuyWise MortgageCall/Text: 714-916-5727

✅ Ready to become a homeowner? Start your stress-free journey today: ⁠⁠theeducatedhomebuyer.com/start⁠⁠📩 Mortgage or Real Estate Questions? Leave Jeb and Josh a message:⁠⁠ theeducatedhomebuyer.com/voicemail/Housing affordability may finally be improving in 2026 — but what does that actually mean for homebuyers?In this episode of The Educated HomeBuyer, Jeb Smith and mortgage expert Josh break down new data suggesting that affordability is beginning to improve thanks to lower mortgage rates and rising incomes. They discuss what Zillow’s latest analysis means for buyers, whether the improvement is meaningful in today’s market, and what buyers should be watching as we move further into the year.If you’re thinking about buying a home, this conversation will help you understand how affordability works, how mortgage rates impact your buying power, and why small shifts in rates can make a bigger difference than most people realize.Topics covered in this episode:Why housing affordability may improve in 2026How mortgage rates impact buying powerWhat Zillow’s housing forecast means for buyersWhy more homes may be entering buyers’ budgetsWhat to watch heading into the spring housing marketIf you’re planning to buy a home and want expert guidance on the process, our team can help you build a strategy before you start shopping.Start here:www.theeducatedhomebuyer.com/startThe Educated HomeBuyer podcast focuses on helping buyers make smarter decisions when purchasing a home by understanding mortgages, market trends, and the strategies that experienced professionals use every day.Connect with Us 👇Jeb Smith | Huntington Beach Realtor / Orange County Real EstateDRE #01407449 | Real BrokerJosh Lewis | Huntington Beach Certified Mortgage ConsultantNMLS 234220 | CA DRE 01209148 | BuyWise MortgageCall/Text: 714-916-5727

Ready To Refinance? Start Here⁠⁠Join Rate Watch – we’ll watch rates for you⁠Email: ⁠[email protected] Rates just hit a 3.5 year low. Should you refinance now or wait? Are you considering refinancing your current mortgage to pay off debt, lower your mortgage payment, get rid of PMI or just get better loan terms? How do you know when is the right time? In this episode, we discuss the current mortgage interest rate environment and when it makes sense to refinance your mortgage.Connect with Us 👇Jeb Smith | Huntington Beach Realtor / Orange County Real EstateDRE #01407449 | Real BrokerJosh Lewis | Huntington Beach Certified Mortgage ConsultantNMLS 234220 | CA DRE 01209148 | BuyWise MortgageCall/Text: 714-916-5727

Start your stress-free loan journey today⁠⁠Join Rate Watch – we’ll watch rates for you⁠Questions? Email us: ⁠[email protected] rates dropped sharply last week but will the trend continue? In this LIVE episode, we’re breaking down what’s really driving mortgage rates, how the latest inflation and jobs data impact the housing market, and what it all means for buyers and homeowners heading into 2026 so you can make smart decisions and become The Educated HomeBuyer.Connect with Us 👇Jeb Smith | Huntington Beach Realtor / Orange County Real EstateDRE #01407449 | Real BrokerJosh Lewis | Huntington Beach Certified Mortgage ConsultantNMLS 234220 | CA DRE 01209148 | BuyWise MortgageCall/Text: 714-916-5727

Ready To Become A Homeowner? Start Here⁠⁠Join Rate Watch – we’ll watch rates for you⁠Email: ⁠[email protected] you’re self-employed and your tax returns show far less income than you actually make, you’ve probably been told you don’t qualify for a mortgage. In this episode, we break down exactly how bank statement loans work, how lenders calculate income, what they cost, and when they actually make sense.Connect with Us 👇Jeb Smith | Huntington Beach Realtor / Orange County Real EstateDRE #01407449 | Real BrokerJosh Lewis | Huntington Beach Certified Mortgage ConsultantNMLS 234220 | CA DRE 01209148 | BuyWise MortgageCall/Text: 714-916-5727

✅ Ready to become a homeowner? Start your stress-free journey today: ⁠⁠theeducatedhomebuyer.com/start⁠⁠📩 Have questions about your situation? Shoot us an email: ⁠⁠[email protected] Federal Reserve Minutes just released confirmed a divided Fed indicating that further interest rate cuts should be paused for now. Does this mean interest rates won't go down? Could they possibly reverse course? In this LIVE episode, we’re breaking down what’s really driving mortgage rates, how the latest inflation and jobs data impact the housing market, and what it all means for buyers and homeowners heading into 2026 so you can make smart decisions and become The Educated HomeBuyer.Connect with Us 👇Jeb Smith | Huntington Beach Realtor / Orange County Real EstateDRE #01407449Real Broker Josh Lewis | Certified Mortgage ConsultantDRE #01209148Buywise MortgageDirect: 714-916-5727

✅ Ready to become a homeowner? Start your stress-free journey today: ⁠⁠⁠theeducatedhomebuyer.com/start⁠⁠⁠📩 Have questions about your situation? Shoot us an email: ⁠⁠⁠[email protected] you can’t confidently answer yes to these five checkpoints, you’re not ready to buy a home. In this episode, we break down the hard truths about knowing your numbers, avoiding house-poor mistakes, and why draining your savings is a red flag, not a badge of honor . Homeownership is powerful, but only when your income, budget, and reserves align with reality. Get this wrong and the stress will outweigh the dream. Get it right and you set yourself up to build wealth the smart way.Connect with Us 👇Jeb Smith | Huntington Beach Realtor / Orange County Real EstateDRE #01407449Real Broker Josh Lewis | Certified Mortgage ConsultantDRE #01209148Buywise MortgageMobile: 714-916-5727

If you’re waiting for mortgage rates to calm down before making a move, you might be waiting longer than you think. Rates remain volatile as mixed economic signals continue to roll in, with inflation cooling but employment surprising to the upside and unemployment ticking down to 4.3%, leaving many wondering whether mortgage rates can actually move lower from here. In this LIVE episode, we’re breaking down what’s really driving mortgage rates, how the latest inflation and jobs data impact the housing market, and what it all means for buyers and homeowners heading into 2026 so you can make smart decisions and become The Educated HomeBuyer.Start your stress-free loan journey todayJoin Rate Watch – we’ll watch rates for youEmail: [email protected] with Us 👇Jeb Smith | Huntington Beach Realtor / Orange County Real EstateDRE #01407449Real Broker Josh Lewis | Huntington Beach Certified Mortgage ConsultantDRE #01209148BuyWise MortgageMobile: 714-916-5727

✅ Ready to become a homeowner? Start your stress-free journey today: ⁠⁠⁠⁠theeducatedhomebuyer.com/start⁠⁠⁠⁠📩 Have questions about your situation? Shoot us an email: ⁠⁠⁠⁠[email protected] next 60 days will significantly impact the 2026 housing market, as the period of January through March generally dictates the trajectory for interest rates, buyer confidence, and seller behavior. By late March, it will be clear whether 2026 will be a buyer's market, a seller's market, or a stagnant market.FREE Online Workshop - Your Guide to Buying A Home In 2026Ready To Become A Homeowner? Start HereJoin Rate Watch – we’ll watch rates for youEmail: [email protected] with Us 👇Jeb SmithHuntington Beach Realtor / Orange County Real EstateDRE #01407449Real Broker Josh LewisHuntington Beach Certified Mortgage ExpertDRE #01209148Buywise MortgageMobile: 714-916-5727

✅ Ready to become a homeowner?Start your stress-free journey today: ⁠⁠⁠⁠theeducatedhomebuyer.com/start⁠⁠⁠⁠ 📩 Have questions about your situation? Shoot us an email: ⁠⁠⁠⁠[email protected] 62% of home buyers last year purchased at discount to original listing price, highest proportion since 2019. Will this trend continue into the 2026 housing market? In this LIVE episode we will discuss the current housing market while updating you on mortgage rates and the economy to help you become The Educated HomeBuyer.Connect with Us 👇Jeb SmithHuntington Beach Realtor / Orange County Real EstateDRE #01407449Real Broker Josh LewisHuntington Beach Certified Mortgage ExpertDRE #01209148Buywise MortgageMobile: 714-916-5727

✅ Ready to become a homeowner? Start your stress-free journey today: ⁠⁠⁠⁠⁠theeducatedhomebuyer.com/start⁠⁠⁠⁠⁠📩 Have questions about your situation? Shoot us an email: ⁠⁠⁠⁠⁠[email protected] TRUMP just elected a new FED chair, and many buyers are wondering what that actually means for mortgage rates. In this episode, we explain why the appointment of Kevin Warsh may not lead to the lower interest rates many people expect. We break down what the Federal Reserve can and cannot control, how Fed policy impacts mortgage rates, and what this means for today’s housing market.Connect with Us 👇Jeb Smith | Huntington Beach Realtor / Orange County Real EstateDRE #01407449Real Broker Josh Lewis | Huntington Beach Certified Mortgage ConsultantDRE #01209148Buywise MortgageMobile: 714-916-5727

✅ Ready to become a homeowner? Start your stress-free journey today: ⁠⁠⁠⁠⁠theeducatedhomebuyer.com/start⁠⁠⁠⁠⁠📩 Have questions about your situation? Shoot us an email: ⁠⁠⁠⁠⁠[email protected] than 40,000 signed home purchase agreements were canceled in December, representing 16.3% of all homes that went under contract, according to Redfin. Should you buy now or wait? In this LIVE episode we will discuss the current housing market while updating you on mortgage rates and the economy to help you become The Educated HomeBuyer.Start your stress-free loan journey todayJoin Rate Watch – we’ll watch rates for youEmail: [email protected] with Us 👇Jeb SmithHuntington Beach Realtor / Orange County Real EstateDRE #01407449Real Broker Josh LewisHuntington Beach Certified Mortgage ExpertDRE #01209148Buywise MortgageMobile: 714-916-5727

✅ Ready to become a homeowner? Start your stress-free journey today: ⁠⁠⁠⁠⁠theeducatedhomebuyer.com/start⁠⁠⁠⁠⁠📩 Have questions about your situation? Shoot us an email: ⁠⁠⁠⁠⁠[email protected] housing market in 2026 is shaping up to be the most normal market buyers and sellers have seen in years. In this video, we break down how rising inventory and cautiously returning demand are stabilizing the housing market after a period of extreme volatility. We explain how interest rates, supply trends, and buyer behavior are influencing current conditions. The discussion also highlights why the housing market will look very different depending on where you live.FREE Online Workshop - Your Guide to Buying A Home In 2026Ready To Become A Homeowner? Start HereJoin Rate Watch – we’ll watch rates for youEmail: [email protected] with Us 👇Jeb SmithHuntington Beach Realtor / Orange County Real EstateDRE #01407449Real Broker Josh LewisHuntington Beach Certified Mortgage ExpertDRE #01209148Buywise MortgageMobile: 714-916-5727

✅ Ready to become a homeowner? Start your stress-free journey today: ⁠⁠⁠⁠⁠theeducatedhomebuyer.com/start⁠⁠⁠⁠⁠📩 Have questions about your situation? Shoot us an email: ⁠⁠⁠⁠⁠[email protected] Applications jumped 16% as home buyers come back to the market. At the same time, mortgage rates are sitting near 3 year lows causing pending sales to hit multi-year highs. This is setting up to be the most balanced housing market we've seen in years. In this LIVE episode we will discuss the current housing market while updating you on mortgage rates and the economy to help you become The Educated HomeBuyer. Start your stress-free loan journey todayJoin Rate Watch – we’ll watch rates for youEmail: [email protected] with Us 👇Jeb SmithHuntington Beach Realtor / Orange County Real EstateDRE #01407449Real Broker Josh LewisHuntington Beach Certified Mortgage ExpertDRE #01209148Buywise MortgageMobile: 714-916-5727

✅ Ready to become a homeowner? Start your stress-free journey today: ⁠⁠⁠⁠⁠theeducatedhomebuyer.com/start⁠⁠⁠⁠⁠📩 Have questions about your situation? Shoot us an email: ⁠⁠⁠⁠⁠[email protected] a home isn’t one big payment—it’s a series of cash moments that catch people off guard and create unnecessary stress. In this episode, Jeb and Josh break down exactly how much cash you really need beyond the down payment, what each cost is for, and when the money is actually due. From earnest money to inspections to closing, this walkthrough replaces uncertainty with clarity so you can move through the process with confidence. If you want fewer surprises and more control when buying a home, this is required listening.FREE Online Workshop - Your Guide to Buying A Home In 2026Ready To Become A Homeowner? Start HereJoin Rate Watch – we’ll watch rates for youEmail: [email protected] with Us 👇Jeb SmithHuntington Beach Realtor / Orange County Real EstateDRE #01407449Real Broker Josh LewisHuntington Beach Certified Mortgage ExpertDRE #01209148Buywise MortgageMobile: 714-916-5727

✅ Ready to become a homeowner? Start your stress-free journey today: ⁠⁠⁠⁠⁠theeducatedhomebuyer.com/start⁠⁠⁠⁠⁠📩 Have questions about your situation? Shoot us an email: ⁠⁠⁠⁠⁠[email protected] Trump just made some bold calls that will have a huge impact on the 2026 housing market. In this episode, we break down how Trump’s potential housing policies could impact mortgage rates, affordability, and buyer behavior heading into 2026. We separate real levers of power from political noise, so you know what actually matters if you’re planning to buy or sell. If you want clarity instead of clickbait headlines, this is a must-watch.FREE Online Workshop - Your Guide to Buying A Home In 2026Ready To Become A Homeowner? Start HereJoin Rate Watch – we’ll watch rates for youEmail: [email protected] with Us 👇Jeb SmithHuntington Beach Realtor / Orange County Real EstateDRE #01407449Real Broker Josh LewisHuntington Beach Certified Mortgage ExpertDRE #01209148Buywise MortgageMobile: 714-916-5727

✅ Ready to become a homeowner? Start your stress-free journey today: ⁠⁠⁠⁠⁠theeducatedhomebuyer.com/start⁠⁠⁠⁠⁠📩 Have questions about your situation? Shoot us an email: ⁠⁠⁠⁠⁠[email protected] the Housing Market become more affordable in 2026? Should you BUY NOW or WAIT for Lower House Prices? Will we continue to see house prices move lower or will we see the Housing Market go higher as mortgage interest rates decline? Will it be easier as a first time home buyer? Start your stress-free loan journey todayJoin Rate Watch – we’ll watch rates for youEmail: [email protected] with Us 👇Jeb SmithHuntington Beach Realtor / Orange County Real EstateDRE #01407449Real Broker Josh LewisHuntington Beach Certified Mortgage ExpertDRE #01209148Buywise MortgageMobile: 714-916-5727

✅ Ready to become a homeowner? Start your stress-free journey today: ⁠⁠⁠⁠⁠theeducatedhomebuyer.com/start⁠⁠⁠⁠⁠📩 Have questions about your situation? Shoot us an email: ⁠⁠⁠⁠⁠[email protected] housing market is largely dependent on mortgage rates and 2026 is going to be the year that interest rates finally shift. In this episode we discuss our 2026 mortgage interest rate forecast while also discussing where we were right and wrong with our 2025 forecast. If you're planning on buying a home in 2026 then you don't want to miss this one.FREE Online Workshop - Your Guide to Buying A Home In 2026Ready To Become A Homeowner? Start HereJoin Rate Watch – we’ll watch rates for youEmail: [email protected] with Us 👇Jeb SmithHuntington Beach Realtor / Orange County Real EstateDRE #01407449Real Broker Josh LewisHuntington Beach Certified Mortgage ExpertDRE #01209148Buywise MortgageMobile: 714-916-5727

✅ Ready to become a homeowner? Start your stress-free journey today: ⁠⁠⁠⁠⁠theeducatedhomebuyer.com/start⁠⁠⁠⁠⁠📩 Have questions about your situation? Shoot us an email: ⁠⁠⁠⁠⁠[email protected] housing market of 2026 is poised for significant changes, and we're providing our 2026 predictions to help you navigate it. We'll cover everything from home sales and home inventory to buyer demand and mortgage lenders, ensuring you're informed. This episode aims to equip potential homebuyers with strategy, considering the broader economy 2026 and current housing market trends, so you can plan your home buying journey effectively.Ready To Become A Homeowner? Start HereJoin Rate Watch – we’ll watch rates for youEmail: [email protected] with Us 👇Jeb SmithHuntington Beach Realtor / Orange County Real EstateDRE #01407449Real Broker Josh LewisHuntington Beach Certified Mortgage ExpertDRE #01209148Buywise MortgageMobile: 714-916-5727

✅ Ready to become a homeowner? Start your stress-free journey today: ⁠⁠⁠⁠⁠theeducatedhomebuyer.com/start⁠⁠⁠⁠⁠📩 Have questions about your situation? Shoot us an email: ⁠⁠⁠⁠⁠[email protected] Chair Powell just sent one of the clearest signals yet about where interest rates are headed and it could reshape mortgage rates in the 2026 housing market. In this episode, we break down the latest Fed policy, the dot plot, and why the market may be seeing something very different than the Fed itself. We’ll explain what “neutral rates” really mean, how inflation and employment factor in, and what this all signals for homebuyers and homeowners over the next 12–24 months. If you’re planning to buy, refinance, or wait, this is a conversation you can’t afford to miss.Ready To Become A Homeowner? Start HereJoin Rate Watch – we’ll watch rates for youEmail: [email protected] with Us 👇Jeb SmithHuntington Beach Realtor / Orange County Real EstateDRE #01407449Real Broker Josh LewisHuntington Beach Certified Mortgage ExpertDRE #01209148Buywise MortgageMobile: 714-916-5727

✅ Ready to become a homeowner? Start your stress-free journey today: ⁠⁠⁠⁠⁠theeducatedhomebuyer.com/start⁠⁠⁠⁠⁠📩 Have questions about your situation? Shoot us an email: ⁠⁠⁠⁠⁠[email protected] housing market shift everyone’s been talking about may already be behind us. Inventory is still rising, but the pace is slowing fast, and that changes the entire conversation for buyers and sellers. Tonight we break down what slowing inventory growth actually means, why some markets are stabilizing, and what to watch next as we head into 2026. Join us live to talk strategy, not headlines, and how this shift impacts your next move.Start your stress-free loan journey todayJoin Rate Watch – we’ll watch rates for youEmail: [email protected] with Us 👇Jeb SmithHuntington Beach Realtor / Orange County Real EstateDRE #01407449Real Broker Josh LewisHuntington Beach Certified Mortgage ExpertDRE #01209148Buywise MortgageMobile: 714-916-5727