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

Consumer confidence in the US housing market just approached an all time low as buyers and sellers deal with The FED, Higher Mortgage Interest Rates, High Home Prices in addition to having anxiety about job security. In this LIVE, we will give a brief overview of what's happening in the economy in addition to providing a real estate market update while answering any questions you have about Mo...

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? When does it make sense to refinance? Should you refinance your current mortgage? Should you trade a lower interest rate for a higher interest rate? How much does it cost to refinance your mortgage? In this episode, we discuss everything about refinancin...

Are you a first time home buyer in California considering the Dream For All Shared Appreciation Loan? What is the California Dream For All Program? How does Dream For All California work? Who qualifies for the California Dream For All? When does the down payment assistance have to be paid back? In this episode, we are going to give you everything you need to know about using the dream for all loan...

The 2023 Housing Market continues to surprise first time home buyers especially those expecting a housing collapse. In the face of unaffordable housing we are seeing home sales increase due to a low supply of homes along with an increase in affordability due to lower mortgage interest rates. Should you buy a house now or wait? In this LIVE, we will give a brief overview of what's happening in...

Are you future investor wondering how to get started investing in real estate? How do you decide if a piece of property makes a good investment opportunity? Should you consider investing out of state? How do you make the numbers work when investing in this housing market? In this episode, we dive into investing 101 with Michael Zuber from One Rental At A Time to not only help you become a better h...

Mortgage Demand Jumps in the past week amid bank closures, as mortgage interest rates took a dip. At the same time confidence in the US Housing Market is approaching an all time low. Will the future of interest rates help or hurt house prices? Should you buy a house now or wait? In this LIVE, we will give a brief overview of what's happening in the economy in addition to providing a real estat...

Are you a first time home buyer that has questions about mortgage insurance when buying a house? What is mortgage insurance? Who has to pay mortgage insurance? Who does mortgage insurance protect? Is mortgage insurance the same for all loan types? In this episode, we are going to give you mortgage insurance 101 when buying a home in addition to discussing when you can get rid of mortgage insurance...

Housing Affordability is sitting at the lowest level in a decade as many homebuyers retreat to the sidelines as higher interest rates continue to crimp both housing inventory and affordability.  Will this continue into the spring housing market or will higher interest rates finally push house prices lower?  Should you buy a house now or wait for a housing crash?  In this LIVE, we wi...

The 2023 Housing Market Is On Fire AGAIN but will it last?  Should you Buy Now or Wait for Housing Affordability To Improve?  Is there a change we will see a housing crash in 2023?  Why are some markets selling above the asking price will others sellers are having to lower their house prices?  In this episode, we discuss the current state of the real estate market with regards...

The Housing Market Is Remaining VERY Strong in the face of higher mortgage rates and lower demand due to an incredibly low amount of housing inventory.  Will this continue into the spring housing market or will higher interest rates finally push house prices lower?  Should you buy a house now or wait?  In this LIVE, we will give a brief overview of what's happening in the economy in...

Are you a first time home buyer wondering how much home you can afford to purchase?  How do lenders calculate how much I qualify for when buying a house?  What goes into my debt to income ratio?  How does a lender determine how much house I can afford to buy?  In this episode, we discuss Debt To Income (DTI) in length to help you understand how a lender preapproves along with g...

Mortgage Interest Rates are headed back towards the peak after key inflation data rose more than expected.    How will this data impact the housing market?  Does this give the FED an opportunity to remain aggressive on interest rate hikes?  Should you buy a house now or wait for lower mortgage rates and lower house prices?  In this LIVE, we will give a brief overview...

Are you a first time home buyer wondering how much down payment is required to buy a house in the 2023 Housing Market?  Where can your down payment come from when buying a house?  What's the difference between down payment and closing costs when buying real estate?  In this episode, we take a deep dive into down payment to give you a birds eye view of how much down payment is required, where the d...

This Housing Market has started to heat up due to low supply and higher buyer demand. What does that mean for the future of the housing market? Are mortgage rates going to continue to back up or will we see lower interest rates in the near future?  Should you BUY NOW or WAIT for a Housing Crash? Will house prices EVER come back down to more affordable levels?   In this LIVE, we will...

Are you a first time home buyer wondering how much you're being charged on your mortgage?  Are you having a difficult time understanding the loan estimate on your mortgage?  How do you compare one lender to another by looking at the loan estimate? What is a loan estimate?  When Should I received my loan estimate?  What is most important about my loan estimate?  What's the difference between closin...

This Housing Market has started to pick up on the sign of lower interest rates and lower inflation while inventory remains a HUGE problem in my real estate markets. What does that mean for the future of the housing market?  Should you BUY NOW or WAIT for a Housing Crash? Will house prices EVER come back down to more affordable levels?   In this LIVE, we will provide a real estate ma...

Are you a first time home buyer worried about buying the wrong home?  Why do homes fall out of escrow?  If a home falls out of escrow, does that mean there is something wrong with it or that it's overpriced?  In this episode, we discuss What Makes A Property Fall Out of Escrow and some tips on How To Make Sure It Doesn't Happen To You when buying a house in the 2023 housing market t...

The U.S. economy added far more jobs than expected in January which could cause The FED to Change Their Stance On A Potential Pause or Pivot with Rates.  How could that affect the Housing Market?   Will The FED continue to remain aggressive as the job market shows strength but Productivity Plunges?  In this LIVE, we discuss the latest updates on the economy along with any chang...

Are you a first time home buyer wondering how to find deals in today's housing market?  Where do you start?  Can you actually get a deal in the 2023 housing market?  Where do you find the deals that aren't on the market (the mls)?  What comes with buyer deals off market?  In this episode, we discuss the topic of real estate opportunities to help you become The Educated Hom...

The Housing Market is starting to heat up as interest rates and inflation pull back.  Does that mean it's time for you to pull the trigger?  Will house prices collapse or stabilize as we head into the spring real estate market? In this LIVE, we discuss the latest FED meeting along with any changes in the housing market data in addition to answering your first time home buyer questions to...

Are you a first time home buyer wondering what goes into the underwriting process when buying a home?  What is underwriting and why is it important?  How is different from getting pre-approved?  What happens during the underwriting process? What does the underwriter review when deciding on whether or not to approve your mortgage loan?  In this episode, we take a bird's eye appr...

Existing home sales are down for the 11th straight month while home prices remain positive year over year.  Should you Buy Now or Wait?  When will the housing market become more affordable?  In this LIVE, we discuss the last housing market data in addition to answering your first time home buyer questions to help you navigate buying a house or selling a home in 2023 while becoming T...

Housing Affordability is sitting near the worst levels we've ever seen as the percentage of families that can afford the median priced home in the US at current interest rates is near all time lows.  Does that mean House Prices need to crash to get back to the long term trend in order to make real estate more affordable?  What makes up housing affordability?  What are we likely to s...

The case is clear that inflation is over but in no way does that mean a recession isn't coming.  What does that mean for the future of the Housing Market ?  Should you buy now or wait for a housing collapse? Will will mortgage rates improve?  In this LIVE, we discuss the last housing market data in addition to answering your first time home buyer questions to help you navigate buyin...

What do you do if you're looking to buy a house in 2023 but you don't qualify?  What things should you focus on to put yourself in a better position to buy a home?  How important is down payment and credit score when it comes to getting pre-approved?  In this episode, we discuss what we believe are the 3 main things you should focus on to not only maximize your qualifications and bu...