Explorez tous les épisodes du podcast The Educated HomeBuyer | First Time Home Buyer Tips, Mortgage Rates & Housing Market Updates
| Titre | Date | Durée | |
|---|---|---|---|
| Mortgage Interest Rates Have BOTTOMED For 2026 - EP215 | 30 Mar 2026 | 00:22:45 | |
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: ➡️ FREE Online Workshop - Your Guide to Buying A Home In 2026 ✅ Ready to become a homeowner? Start your stress-free journey today | |||
| Why First Time Buyers Should Buy a House Now: Market Truths | EP214 | 23 Mar 2026 | 00:25:37 | |
✅ 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/start Waiting 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:
Whether 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 Estate DRE #01407449 Real Broker Josh Lewis | Huntington Beach Certified Mortgage Consultant NMLS 234220 | CA DRE 01209148 BuyWise Mortgage Call/Text: 714-916-5727 | |||
| Market Update: FED Split on Future Interest Rate Direction | 19 Feb 2026 | 00:51:41 | |
✅ Ready to become a homeowner? Start your stress-free journey today: theeducatedhomebuyer.com/start 📩 Have questions about your situation? Shoot us an email: info@theeducatedhomebuyer.com The 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 Estate Josh Lewis | Certified Mortgage Consultant | |||
| EP163 - A RECESSION Will Have A HUGE Impact On First Time Home Buyers | 31 Mar 2025 | 00:35:03 | |
A recession changes the game for first-time homebuyers, and not always in the way you’d expect. As the economy slows, we’re seeing early signs of softening interest rates, flattening home prices, and tighter lending standards. While that can open doors for some buyers, it could slam them shut for others. ✅ Ready to take the next step?
Connect with Us 👇 Jeb SmithHuntington Beach Realtor / Orange County Real Estate Josh Lewis | |||
| LIVE 03_26_27 - Inventory Is CLIMBING Nationwide But Who Cares | 28 Mar 2025 | 00:59:42 | |
Housing supply is up 30% from last year, with 30% of that inventory located in Florida and Texas. So if you’re located in Maine, do you really care what the housing market is doing in Florida? In this episode, we discuss what’s currently happening in the 2025 housing market while answering your mortgage and real estate questions LIVE! ✅ Ready to take the next step?
Connect with Us 👇 Jeb SmithHuntington Beach Realtor / Orange County Real Estate Josh Lewis | |||
| EP162 - New Tariffs Will SHIFT The Housing Market | 24 Mar 2025 | 00:24:11 | |
Mortgage rates are stuck, affordability is brutal, and the market is being pulled in every direction by economic uncertainty. With recession fears, Fed inaction, and global trade tensions—especially tariffs—heating up, volatility is the name of the game. This episode breaks down what’s really driving mortgage rates, why they’re likely to stay high longer than expected, and how tariffs could be the tipping point that reshapes buyer behavior. =========================================== ✅ Ready to find the right loan? Start your stress-free journey today: http://www.theeducatedhomebuyer.com/start ⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| LIVE 03_19_25 - The Housing Market Just SHIFTED In Favor Of BUYERS | 21 Mar 2025 | 01:04:38 | |
Inventory is up 29% causing 34% of sellers to cut their price. This is a positive sign for homebuyers as the housing market is shifting for the first time in years. In this episode we discuss what's currently happening the 2025 housing market while answering your mortgage and real estate questions LIVE!===========================================✅ Ready to find the right loan? Start your stress-free journey today: - https://www.theeducatedhomebuyer.com/start➡️Let Us Contact You When Rates Move Lower -http://www.theeducatedhomebuyer.com/ratewatch📩 - info@theeducatedhomebuyer.com💻 - http://www.theeducatedhomebuyer.com===========================================Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real BrokerConnect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| EP161 - Use Lender CREDITS To Pay Your Closing Costs | 17 Mar 2025 | 00:22:41 | |
I refinanced my loan twice last year without paying a dime out of pocket. If you've been wondering how to lower your interest rate without upfront costs or adding to your loan balance, this is the video you need. Josh and I break down the power of lender credits, explaining how you can leverage them to avoid hefty closing costs and keep more cash in your pocket. Don't miss out on these valuable insights that could save you thousands! =========================================== ✅ Ready to find the right loan? Start your stress-free journey today: http://www.theeducatedhomebuyer.com/start ⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| LIVE 03_12_25 - Housing market shift: Income needed up 79% in 5 years! | 14 Mar 2025 | 01:05:13 | |
The income needed to purchase a typical U.S. home has skyrocketed by 79% in just five years, rising from $51,646 in January 2020 to $92,538 in January 2025. This rapid increase is driven by soaring home prices and higher mortgage rates, while average weekly earnings have only grown by 25% and inflation by 23% during the same period. The housing market's affordability crisis has led to constrained home sales, with many homeowners unable or unwilling to trade their lower mortgage rates for today's costs.===========================================✅ - Ready to find the right loan? Start your stress-free journey today: theeducatedhomebuyer.com/start➡️Let Us Contact You When Rates Move Lower -http://www.theeducatedhomebuyer.com/ratewatch📩 - info@theeducatedhomebuyer.com💻 - http://www.theeducatedhomebuyer.com===========================================Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real BrokerConnect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| EP160 - Foreclosures Will NOT Have A HUGE Impact On The Housing Market | 10 Mar 2025 | 00:26:43 | |
Foreclosures are rising, but the media isn’t telling you the full story. The housing market is shifting, but this is not 2008 all over again. Homeowners have equity, lending standards are tighter, and inventory remains low. Watch now to get the real data, the expert analysis, and what this means for homebuyers and sellers in 2025. =========================================== ✅ Ready to find the right loan? Start your stress-free journey today: http://www.theeducatedhomebuyer.com/start ⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| LIVE 03_05_25 - How LOW Will Mortgage Rates Go? | 07 Mar 2025 | 01:06:16 | |
The fear of a slowing economy has the bond hitting the lowest levels we've seen in months with interest rates following right behind. Could we see 5% mortgage rates again? In this episode we dive into the current housing market while updating you on the economy and mortgage rates to help you stay infored as a buyer or seller in this real estate market.===========================================✅ Ready to find the right loan? Start your stress-free journey today: - https://www.theeducatedhomebuyer.com/start➡️Let Us Contact You When Rates Move Lower -http://www.theeducatedhomebuyer.com/ratewatch📩 - info@theeducatedhomebuyer.com💻 - http://www.theeducatedhomebuyer.com===========================================Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real BrokerConnect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| EP159 - Mortgage Interest Rates Just Made A BIG MOVE | 03 Mar 2025 | 00:25:01 | |
Mortgage interest rates are dropping fast, and the market is shifting. The 10-year yield just fell from 4.80% to 4.28%, signaling major changes ahead. Economic slowdown fears, stock market declines, and consumer pessimism are shaping what happens as we move forward in the 2025 housing market. =========================================== ✅ Ready to find the right loan? Start your stress-free journey today: http://www.theeducatedhomebuyer.com/start ⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| LIVE 02_26_25 - Mortgage Rates Hit 4 Month LOW - How Low Can They Go? | 28 Feb 2025 | 01:02:07 | |
Mortgage rates are dropping fast, but the window to lock in lower rates could slam shut at any moment. Over the past four business days, we've seen a rare and rapid decline—one that typically takes weeks to unfold. If you're waiting for rates to fall even further, you might be making a costly mistake. This pace of improvement isn't normal, and if the momentum shifts, rates could snap back just as quickly. In this episode, we will discuss what's impacting the current housing market while answering your mortgage and real estate questions LIVE.===========================================✅ Ready to find the right loan? Start your stress-free journey today: - https://www.theeducatedhomebuyer.com/start➡️Let Us Contact You When Rates Move Lower -http://www.theeducatedhomebuyer.com/ratewatch📩 - info@theeducatedhomebuyer.com💻 - http://www.theeducatedhomebuyer.com===========================================Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real BrokerConnect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| Home Buyer Readiness: 5 Signs You’re NOT Ready to Buy | EP209 | 16 Feb 2026 | 00:29:49 | |
✅ Ready to become a homeowner? Start your stress-free journey today: theeducatedhomebuyer.com/start 📩 Have questions about your situation? Shoot us an email: info@theeducatedhomebuyer.com If 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 Estate Josh Lewis | Certified Mortgage Consultant | |||
| EP158 - Buy NOW or WAIT? The Housing Market Is About To SHIFT | 24 Feb 2025 | 00:28:08 | |
The rent vs own debate is more intense than ever, with home prices high and affordability stretched thin. In this episode, we cut through the noise and break down the real numbers, the hidden costs, and the financial arguments most people overlook. Renting isn’t always throwing money away, and owning isn’t always the golden ticket but there is a smarter way to make the decision. If you're wondering which path is best for you, watch until the end this could be one of the most important financial choices you ever make! ===========================================✅ Ready to find the right loan? Start your stress-free journey today: http://www.theeducatedhomebuyer.com/start⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch📩 - info@theeducatedhomebuyer.com💻 - http://www.theeducatedhomebuyer.com===========================================Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real BrokerConnect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| LIVE 02_19_25 - The IMPACT Of Job Cuts On The Housing Market | 21 Feb 2025 | 01:02:52 | |
Will the housing market collapse as housing inventory rises? Social media is buzzing with claims of skyrocketing inventory, but is it real or just hype? Before you believe the doomsday predictions, let’s break down the actual data. We’ll dive into inventory levels, new listings, price cuts, and the impact of job cuts along with what it all means for buyers and sellers in 2025. Stay ahead of the market with the facts!===========================================✅ Ready to find the right loan? Start your stress-free journey today: http://www.theeducatedhomebuyer.com/start⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch📩 - info@theeducatedhomebuyer.com💻 - http://www.theeducatedhomebuyer.com===========================================Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real BrokerConnect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| EP157 - 5 Questions You Must Ask Before Buying in This Housing Market | 17 Feb 2025 | 00:26:32 | |
Do NOT Buy A House until you can confidently answer these 5 questions. Are you a first time home buyer wondering what is important when deciding to buy a house? What questions should be be asking? In this video, we discuss the 5 Questions You Must Ask Before Buying in This Housing Market ===========================================✅ Ready to find the right loan? Start your stress-free journey today: http://www.theeducatedhomebuyer.com/start⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch📩 - info@theeducatedhomebuyer.com💻 - http://www.theeducatedhomebuyer.com===========================================Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real BrokerConnect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| LIVE 02_13_25 - Mortgage Rates Have PEAKED for 2025 | 14 Feb 2025 | 01:00:19 | |
Mortgage rates have peaked, and while volatility remains, we’re seeing clear signs of stabilization. Improved mortgage spreads in 2024 and 2025 are helping to prevent rates from climbing as high as they did in 2023, when spreads widened dramatically due to economic uncertainty. With the 10-year yield fluctuating but mortgage spreads tightening, rates are expected to range between 5.75% and 7.25% this year, signaling a more controlled lending environment. In this episode, we will discuss what's impacting the current housing market while answering your mortgage and real estate questions LIVE===========================================✅ Ready to find the right loan? Start your stress-free journey today: - https://www.theeducatedhomebuyer.com/start➡️Let Us Contact You When Rates Move Lower -http://www.theeducatedhomebuyer.com/ratewatch📩 - info@theeducatedhomebuyer.com💻 - http://www.theeducatedhomebuyer.com===========================================Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real BrokerConnect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| EP156 - THIS Will Have A HUGE IMPACT On Mortgage Interest Rates | 10 Feb 2025 | 00:25:27 | |
Trump is making headlines by demanding lower mortgage rates, but will it actually happen? In this video, we break down what he said, how much influence he really has over interest rates, and what it means for homebuyers in 2024. The Federal Reserve controls rates based on inflation and economic data, not political pressure, but market psychology plays a role. Whether rates drop or not, waiting to buy a home could backfire—here’s what you need to know to make a smart move.===========================================✅ Ready to find the right loan? Start your stress-free journey today: http://www.theeducatedhomebuyer.com/start⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch📩 - info@theeducatedhomebuyer.com💻 - http://www.theeducatedhomebuyer.com===========================================Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real BrokerConnect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| LIVE 02_05_25 - How TRUMP Tariff's Could Impact The Housing Market | 07 Feb 2025 | 01:12:08 | |
The 25% tariffs on Canadian and Mexican imports are a disaster for housing affordability. With homebuilders already struggling with rising costs, these tariffs will drive up prices even more, making it harder for Americans to afford a home. Instead of fixing the housing crisis, these policies will increase costs for buyers, slow down construction, and worsen the nationwide housing shortage =========================================== ✅ Ready to find the right loan? Start your stress-free journey today: - https://www.theeducatedhomebuyer.com/start ➡️Let Us Contact You When Rates Move Lower - http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| EP155 - TRUMP’s Policies Will Have A HUGE Impact On Housing Affordability | 03 Feb 2025 | 00:26:26 | |
Trump’s new housing policies are set to shake up the market in a major way. His executive orders aim to cut regulations, lower housing costs, and increase supply, but the impact may not be as straightforward as it seems. While builders and developers are cheering, potential labor shortages, economic volatility, and uncertain implementation could mean these policies Will Have A HUGE Impact On The Housing Market =========================================== ✅ Ready to find the right loan? Start your stress-free journey today: http://www.theeducatedhomebuyer.com/start ⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| LIVE 01_29_25 - TRUMP Demands Lower Interest Rates IMMEDIATELY | 31 Jan 2025 | 01:08:13 | |
President Donald Trump has publicly stated he will "demand" that the Federal Reserve lower interest rates immediately. President Trump’s second-term housing priorities focus on reducing regulatory burdens, expanding housing supply, and combating inflation. In this episode, we will discuss what's impacting the current housing market while answering your mortgage and real estate questions LIVE. Article: https://www.cnbc.com/2025/01/23/president-donald-trump-says-hell-demand-that-interest-rates-drop-immediately.html =========================================== ✅ - Connect Directly With Our Team - https://workwithourteam.net/WeeklyLive ✅ First Time Home Buyer Webinar - http://www.jebsmith.net/seminar ➡️Let Us Contact You When Rates Move Lower - http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| EP154 - The Housing Market Has SHIFTED | 27 Jan 2025 | 00:22:19 | |
Despite headlines about rising inventory, we’re still far from pre-pandemic levels nationally, and regional disparities paint an uneven picture. Factors like insurance market instability, migration shifts, and pandemic pricing corrections are reshaping opportunities. In this video, we discuss the 2025 housing market trends and insights shaping the housing market today and what they mean for buyers and sellers in 2025. Should you buy now or wait? =========================================== ✅ - Connect Directly With Our Mortgage & Real Estate Team - http://www.theeducatedhomebuyer.com/expert ⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| LIVE 01_23_25 - TRUMP Issues Executive Order For Emergency PRICE RELIEF On HOUSING | 24 Jan 2025 | 01:01:52 | |
Regulatory requirements currently add 25% to new home costs, but Trump plans to cut red tape and reverse $50,000 in household costs attributed to previous administration policies. President Trump’s second-term housing priorities focus on reducing regulatory burdens, expanding housing supply, and combating inflation. His executive order aims to lower construction costs, eliminate unnecessary regulations, and restore purchasing power for American families. In this episode, we will discuss what's impacting the current housing market while answering your mortgage and real estate questions LIVE. Article: https://www.housingwire.com/articles/trumps-executive-orders-and-the-policies-that-could-affect-housing/ https://www.whitehouse.gov/presidential-actions/2025/01/delivering-emergency-price-relief-for-american-families-and-defeating-the-cost-of-living-crisis/ =========================================== ✅ - Connect Directly With Our Team - https://workwithourteam.net/WeeklyLive ✅ First Time Home Buyer Webinar - http://www.jebsmith.net/seminar ➡️Let Us Contact You When Rates Move Lower - http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| Market Update: How Low Can Interest Rates Really Go? | 12 Feb 2026 | 00:43:18 | |
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.
Connect with Us 👇 Jeb Smith | Huntington Beach Realtor / Orange County Real Estate Josh Lewis | Huntington Beach Certified Mortgage Consultant | |||
| EP153 - 5 Questions You Must Ask Your Lender Before Locking Your Interest Rate | 20 Jan 2025 | 00:24:54 | |
Do NOT lock your interest rate before asking your lender these 5 questions. Are you a first time home buyer wondering about the process of locking your mortgage rate when buying a house? What questions should be be asking? In this video, we discuss the 5 Questions You Must Ask Your Lender Before Locking Your Interest Rate =========================================== ✅ - Connect Directly With Our Mortgage & Real Estate Team - http://www.theeducatedhomebuyer.com/expert ⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| LIVE 01_15_25 - Mortgage Rates Are HURTING The Housing Market | 17 Jan 2025 | 00:59:43 | |
The future of the housing market largely depends on the direction of mortgage rates which are hitting the highest levels we've seen in nearly a year. How will this impact house prices? In this episode, we will discuss what's impacting the current housing market while answering your mortgage and real estate questions LIVE. =========================================== ✅ - Connect Directly With Our Team - https://workwithourteam.net/WeeklyLive ➡️Let Us Contact You When Rates Move Lower - http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| EP152 - The FUTURE of Mortgage Interest Rates | 14 Jan 2025 | 00:27:47 | |
The future of the housing market largely depends on mortgage rates which at the moment seem to be getting worse. While the market is expecting lower rates in 2025, the reality is that rates are likely to keep going higher before they move lower. Today, we're breaking down exactly how rates will reshape housing in 2025 and what you need to do NOW to be ready. =========================================== ✅ - Connect Directly With Our Mortgage & Real Estate Team - http://www.theeducatedhomebuyer.com/expert ⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| LIVE Q & A - These CHALLENGES Will Have A HUGE Impact On The 2025 Housing Market | 10 Jan 2025 | 01:02:44 | |
There are 4 Challenges currently impacting housing affordability in a HUGE Way. In this episode, we will discuss how these challeges may influence the 2025 housing market while answering your mortgage and real estate questions LIVE. =========================================== ✅ - Connect Directly With Our Team - https://workwithourteam.net/WeeklyLive ➡️Let Us Contact You When Rates Move Lower - http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| EP151 - These FED Policies Will Have A HUGE Impact On The Housing Market | 07 Jan 2025 | 00:19:30 | |
Curious about how a potential The Federal Reserves Decisions could impact the housing market and mortgage rates? In this video, how FED Policies Will Have A HUGE Impact On The Housing Market =========================================== ✅ - Connect Directly With Our Mortgage & Real Estate Team - http://www.theeducatedhomebuyer.com/expert ⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| LIVE Q & A - Here's Where House Prices Are Headed In 2025 | 03 Jan 2025 | 00:55:02 | |
Will the Housing Market become more affordable in 2025? Should you BUY NOW or WAIT for Lower House Prices? Will we continue to see house prices set record highs or will we see the Housing Market slow down as mortgage interest rates hover around 7%? Will it be easier as a first time home buyer? =========================================== ✅ - Connect Directly With Our Team - https://workwithourteam.net/WeeklyLive ➡️Let Us Contact You When Rates Move Lower - http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| EP150 - The Housing Market Is SHIFTING In Favor Of Home Buyers | 31 Dec 2024 | 00:29:07 | |
The 2025 Housing Market Is About To SHIFT in a way that should be BETTER for home buyers with stable house prices and improved housing affordability. In this video, we discuss our 2025 housing market forecast to help you answer the question of Should you Buy Now or Wait? =========================================== ✅ - Connect Directly With Our Mortgage & Real Estate Team - http://www.theeducatedhomebuyer.com/expert ⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| EP149 - 5 Questions You MUST Answer Before Buying A Home | 24 Dec 2024 | 00:24:23 | |
Are you a first time home buyer wondering what you should focus on BEFORE buying a house? What questions should be be asking? In this video, we discuss the 5 Questions You MUST Answer Before Buying A Home.
⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| LIVE Q & A - How The Latest FED Rate CUT Will IMPACT The Housing Market | 20 Dec 2024 | 01:02:39 | |
The FED just cut rates by another .25% BUT it's likely to leave the housing market Unchanged. Mortgage rates tend to respond more to inflation trends and economic data rather than Fed rate changes. So what would cause a change in the housing market? Join us and let's discuss =========================================== ✅ - Connect Directly With Our Team - https://workwithourteam.net/WeeklyLive ➡️Let Us Contact You When Rates Move Lower - http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| EP148 - Mortgage Interest Rates Will RESHAPE The 2025 Housing Market | 17 Dec 2024 | 00:27:41 | |
2025 could be a make or break year for the housing market. Interest Rates will have the BIGGEST impact on the direction of the housing market. While experts predict mortgage rates will drop, the range of possibilities could mean the difference between your dream home being affordable or completely out of reach. Today, we're breaking down exactly how rates will reshape housing in 2025 and what you need to do NOW to be ready. =========================================== ✅ - Connect Directly With Our Mortgage & Real Estate Team - http://www.theeducatedhomebuyer.com/expert ⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| 2026 Housing Market Forecast: What Buyers Must Know for Next 60 Days | EP208 | 09 Feb 2026 | 00:26:07 | |
✅ Ready to become a homeowner? Start your stress-free journey today: theeducatedhomebuyer.com/start 📩 Have questions about your situation? Shoot us an email: info@theeducatedhomebuyer.com The 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. Connect with Us 👇 Jeb SmithHuntington Beach Realtor / Orange County Real Estate Josh Lewis | |||
| LIVE Q & A - What To Expect From U.S. Home Prices In 2025 | 13 Dec 2024 | 01:02:07 | |
The housing price forecast for 2025 is expected to increase yet again ranging from flat to nearly 11% with the average being 3.5%. In this episode, we will discuss what to expect from US home prices in 2025 while answering your real estate and mortgage questions LIVE. =========================================== ✅ - Connect Directly With Our Team - http://www.theeducatedhomebuyer.com/expert ➡️Let Us Contact You When Rates Move Lower - http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| EP147 - These TRUMP Policies Will Have A HUGE Impact On Mortgage Rates | 10 Dec 2024 | 00:23:49 | |
Curious about how a potential Trump presidency could impact mortgage rates? In this video, we break down how proposed policies might affect interest rates and your ability to buy or own a home, from potential tax cuts and deregulation to changes in mortgage rates and housing demand. Forget the headlines—this is a practical analysis of what it all means for your path to homeownership. =========================================== ✅ - Connect Directly With Our Mortgage & Real Estate Team - http://www.theeducatedhomebuyer.com/expert ⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727
| |||
| LIVE Q & A - The 2025 Housing Market Will Be A BUMPY Ride According To Zillow | 06 Dec 2024 | 01:00:22 | |
Zillow is expecting the 2025 Housing Market to become UNSTUCK with more buyer demand increasing leading to a BUMPY Ride. Article From Zillow: https://zillow.mediaroom.com/2024-11-25-Zillow-predicts-more-buyers-will-come-out-ahead-in-a-bumpy-2025 =========================================== ✅ - Connect Directly With Our Team - http://www.theeducatedhomebuyer.com/expert ➡️Let Us Contact You When Rates Move Lower - http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| EP146 - The Housing Market Is In BIG Trouble | 03 Dec 2024 | 00:18:51 | |
New home sales fall to the lowest level since November 2022. Is the Housing Market in Trouble? In this video, we discuss why this isn't likely a big deal and what you need to pay attention to as you head into the 2025 housing market. =========================================== ✅ - Connect Directly With Our Team - http://www.theeducatedhomebuyer.com/expert ⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| LIVE Q & A - The FATE of The 2025 Housing Market Depends On Mortgage Rates | 29 Nov 2024 | 01:02:11 | |
Mortgage Rates will decide the direction of the 2025 housing market and both President TRUMP and FED Chair Powell will largely influence the direction of interest rates moving forward. In this episode, we will discuss how interest rates will affect the real estate market while answering your questions live. =========================================== ✅ - Connect Directly With Our Team - http://www.theeducatedhomebuyer.com/expert ➡️Let Us Contact You When Rates Move Lower - http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| EP145 - 5 Questions You Have to Ask Your REALTOR Before Buying A House | 26 Nov 2024 | 00:33:40 | |
Don't commit to a REALTOR until you ask these 5 crucial questions. Remember, buying a house is the largest financial transaction you will ever purchase so you want to avoid hiring the wrong real estate agent. In this video, we cover 5 Questions You Have to Ask Your Realtor Before Buying a Home. =========================================== ✅ - Connect Directly With Our Team - http://www.theeducatedhomebuyer.com/expert ⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| LIVE Q & A - The 2025 Housing Market Largely Depends On Interest Rates | 22 Nov 2024 | 01:02:27 | |
Higher mortgage rates is creating volatility in house prices and the housing market? In this episode we dive into the current housing market while updating you on the economy and mortgage rates to help you stay infored as a buyer or seller in this real estate market. =========================================== ✅ - Connect Directly With Our Team - http://www.theeducatedhomebuyer.com/expert ➡️Let Us Contact You When Rates Move Lower - http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727
| |||
| EP144 - Mortgage Interest Rates Will Stay HIGH | 19 Nov 2024 | 00:26:06 | |
Interest Rates Are Likely to Stay Higher for Longer due to Persistent inflation, robust job markets, and economic resilience allowing the Fed to cut rates at a slower pace. In this video, we discuss all of the factors affecting mortgage rates and what you should expect going forward. =========================================== ✅ - Connect Directly With Our Mortgage & Real Estate Team - http://www.theeducatedhomebuyer.com/expert ⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| LIVE Q & A - Housing Market Costs Are About To SKYROCKET | 15 Nov 2024 | 01:01:27 | |
Trump tariffs wil likely result in higher construction costs that will result in more homebuilder price increases. Tariffs mean a higher cost in everything from lumber to garage doors which trickles into a higher price for the consumer. In this episode we dive into the current housing market while updating you on the economy and mortgage rates to help you stay infored as a buyer or seller in this real estate market. Article on this subject: https://www.housingwire.com/articles/trump-tariffs-price-hikes-homebuilders/ =========================================== ✅ - Connect Directly With Our Team - http://www.theeducatedhomebuyer.com/expert ➡️Let Us Contact You When Rates Move Lower - http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| EP143 - These TRUMP Policies Will Have A HUGE Impact On House Prices | 12 Nov 2024 | 00:36:41 | |
Curious about how a potential Trump presidency could impact the housing market? In this video, we break down how proposed policies might affect your ability to buy or own a home, from potential tax cuts and deregulation to changes in mortgage rates and housing demand. Forget the headlines—this is a practical analysis of what it all means for your path to homeownership. =========================================== ✅ - Connect Directly With Our Mortgage & Real Estate Team - http://www.theeducatedhomebuyer.com/expert ⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| Market Update: Housing Market Shifts Toward Buyers | 05 Feb 2026 | 01:00:37 | |
✅ Ready to become a homeowner? Start your stress-free journey today: theeducatedhomebuyer.com/start 📩 Have questions about your situation? Shoot us an email: info@theeducatedhomebuyer.com 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 Estate Josh Lewis | |||
| LIVE Q & A - How HIGH Will Mortgage Interest Rates Go? | 08 Nov 2024 | 01:01:39 | |
The fear of a red wave has the bond hitting the highest levels we've seen in months with interest rates following right behind. Could we see 8% mortgage rates again? In this episode we dive into the current housing market while updating you on the economy and mortgage rates to help you stay infored as a buyer or seller in this real estate market. =========================================== ✅ - Connect Directly With Our Team - http://www.theeducatedhomebuyer.com/expert ➡️Let Us Contact You When Rates Move Lower - http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| EP142 - Do NOT Shop For A Lender | 05 Nov 2024 | 00:27:01 | |
Shopping for the lowest interest rate is a recipe for failure. Most people shop for lenders the wrong way which ends up being a very costly mistake. When shopping for a lender, there are a few things that you have to pay attention to and that's exactly what we cover in this video. =========================================== ✅ - Connect Directly With Our Mortgage & Real Estate Team - http://www.theeducatedhomebuyer.com/expert ⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||
| LIVE Q & A - Mortgage Rates Hit The HIGHEST Levels in 3 Months | 01 Nov 2024 | 01:03:06 | |
Interest Rates are continuing to increase as we head into the election while home sales hit the lowest levels in 14 years. Should you buy now or wait? In this episode we dive into the current housing market while updating you on the economy and mortgage rates to help you stay infored as a buyer or seller in this real estate market. =========================================== ✅ - Connect Directly With Our Team - http://www.theeducatedhomebuyer.com/expert ➡️Let Us Contact You When Rates Move Lower - http://www.theeducatedhomebuyer.com/ratewatch 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducatedhomebuyer.com =========================================== Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker Connect with me 👇 Josh Lewis (Huntington Beach Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-916-5727 | |||