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PODCAST

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

Josh Lewis & Jeb Smith | Real Estate, Mortgage & Housing Market Experts

Buying a home is the biggest financial decision of your life — and most buyers do it without a real guide. Certified Mortgage Consultant Josh Lewis (NMLS 234220) and Licensed Real Estate Broker Jeb Smith break down mortgage rates, FHA & conventional loans, down payment strategies, credit scores, pre-approval, affordability, and housing market trends — in plain English, with no fluff and no agenda. Whether you"re a first-time home buyer or making your next move, this show gives you the education,

education how to

All Episodes

00:46:49

The Fed Chair Just Blamed The Fed For The Housing Market

The Educated HomeBuyer | First Time Home Buyer Tips,... ·

2026/07/16

New Fed Chair Kevin Warsh just admitted the Fed itself is the reason homebuyers keep getting whipsawed. Boom, then bust. One generation gets a once-in-a-lifetime shot at a first home; the next gets locked out. Tonight Jeb & Josh break down what he actually said and what it means for mortgage rates and the housing market.Start Here 👇🏻✅ Ready to become a homeowner? https://www.buyrightborrowsmart.com/quiz✅Start your stress-free journey today:

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00:18:39

TRUMP's Housing Bill Will Have A HUGE Impact On First...

The Educated HomeBuyer | First Time Home Buyer Tips,... ·

2026/07/13

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

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00:34:27

Market Update - The Iran War Isn’t Over… What Happens...

The Educated HomeBuyer | First Time Home Buyer Tips,... ·

2026/07/09

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

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00:23:02

2nd Half 2026 Mortgage Interest Rate Forecast - EP229

The Educated HomeBuyer | First Time Home Buyer Tips,... ·

2026/07/06

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

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00:53:51

Market Update - The Housing Market Is Getting BETTER

The Educated HomeBuyer | First Time Home Buyer Tips,... ·

2026/07/02

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

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00:31:44

How To Buy A Home With Almost No Cash Out Of Pocket -...

The Educated HomeBuyer | First Time Home Buyer Tips,... ·

2026/06/29

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

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00:26:19

New Fed Chair, NO Rate Cuts: Should You Still Buy a...

The Educated HomeBuyer | First Time Home Buyer Tips,... ·

2026/06/22

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

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00:25:36

10 Secrets to a Smooth Home Closing for First-Time...

The Educated HomeBuyer | First Time Home Buyer Tips,... ·

2026/06/15

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

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00:34:47

Why A 2008-Style HOUSING CRASH Will Never Happen...

The Educated HomeBuyer | First Time Home Buyer Tips,... ·

2026/06/08

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,

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01:02:16

Market Update - The Housing Market Just Sent Sellers...

The Educated HomeBuyer | First Time Home Buyer Tips,... ·

2026/06/04

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

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00:31:39

Consumer DEBT Will Have A HUGE Impact On First Time...

The Educated HomeBuyer | First Time Home Buyer Tips,... ·

2026/06/01

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

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00:51:53

Market Update - Should First-Time Home Buyers Wait or...

The Educated HomeBuyer | First Time Home Buyer Tips,... ·

2026/05/29

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

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00:20:14

WTF Just Happened To Mortgage Interest Rates - EP223

The Educated HomeBuyer | First Time Home Buyer Tips,... ·

2026/05/25

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

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00:28:36

The 2026 Housing Market Is LYING To First Time Home...

The Educated HomeBuyer | First Time Home Buyer Tips,... ·

2026/05/18

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

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00:31:15

5 Reasons You SHOULD NOT Shop For A Lender - EP221

The Educated HomeBuyer | First Time Home Buyer Tips,... ·

2026/05/11

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

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00:42:41

Market Update - War Headlines Just SHIFTED Mortgage...

The Educated HomeBuyer | First Time Home Buyer Tips,... ·

2026/05/07

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

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00:31:15

Debt-to-Income Ratio Explained: How Much House Can...

The Educated HomeBuyer | First Time Home Buyer Tips,... ·

2026/05/04

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

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00:44:18

Market Update - Mortgage Rates SURGE HIGHER as US...

The Educated HomeBuyer | First Time Home Buyer Tips,... ·

2026/04/30

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

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00:23:44

How Housing Supply Will Impact Your Spring Home...

The Educated HomeBuyer | First Time Home Buyer Tips,... ·

2026/04/27

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,

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01:00:12

Market Update - Zillow Just DOWNGRADED It's Housing...

The Educated HomeBuyer | First Time Home Buyer Tips,... ·

2026/04/23

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

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