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

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

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, strategies, and frameworks to buy right, borrow smart, and build wealth through homeownership.

Author

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

Category

Education

Latest episode

Jul 9, 2026

Where to listen?

Podcasts in the app Replaio Radio Coming soon

Podcasts are coming to the app soon. Install now and be the first to see a whole new take on podcasts

Get it on Google Play Install for free Android 5M+ downloads · 4.8 rating iOS soon

Episodes

LIVE Q & A - Will The Fed Drive The Housing Market Into A Recession? 01.07.2022

Is the FED sending us into a recession by raising interest rates and crashing the housing market? How will the recent increases in mortgage rates continue to affect affordability?  Is now a good time to buy or should you wait?  How will the potential of a coming Recession affect House Prices?  In this LIVE, we will provide a real estate market update and answer any questions you hav...

EP20 - Mid Year Real Estate Forecast 2022 29.06.2022

Are you someone looking at buying a home or selling a home and looking for some direction with house prices and interest rates?  Where is the market headed?  Are house prices going to crash?  Will we see interest rates continue to rise?  How will the increase in housing inventory and a slow down in buyer demand affect the Housing Market?  In this episode, Josh and Jeb give...

LIVE Q & A - We Are Entering A NEW Housing Market 24.06.2022

Interest Rates and Inflation are Peaking while inventory rises and buyer demand slows.  Welcome to a new housing market.  Should you BUY NOW or WAIT for a Housing Crash?  Does a new housing market mean prices are going to crash? How will the potential of a coming Recession affect House Prices?  In this LIVE, we will provide a real estate market update and answer any questions y...

EP19 - Should you consider an HOA with Buying A House? Pros & Cons of a Homeowner's Association 21.06.2022

Are you a first time home buyer in the process of buying a house but not sure if an HOA is right for you?  What are the pros and cons buying a home in a Homeowners Association? What should you look for when considering a homeowners association? In today's episode we discuss the pros and cons of an HOA in order to help you become The Educated HomeBuyer. Connect with me 👇 Jeb Smith (huntington...

LIVE Q & A with Matt The Mortgage Guy - Hang On ! The Housing Market is SLOWING! 17.06.2022

The Housing Market is Slowing with more homes to choose from and less buyer demand? Should you BUY NOW or WAIT for a Housing Crash?  Does a slowing market mean prices are going to go down substantially? How does a Recession affect Housing? Will RISING Interest Rates continue to affect buyer demand as we head into the Spring? In this LIVE, we have a guest appearance by Matt Gouch (Matt The Mor...

EP18 - Single Family Home vs Condo | Pros and Cons 14.06.2022

Are you a first time home buyer in the process of buying a house but can't decide between a single family home vs a condominium?  What are the pros and cons of each? In today's episode we discuss the pros and cons of owning a single family home and compare it to the pros and cons of owning a condo in order to help you become The Educated HomeBuyer. Connect with me 👇 Jeb Smith (huntington bea...

LIVE Q & A - Buying a House During a Recession: Good Idea or Bad Idea? 10.06.2022

The Housing Market is slowing with more homes to choose from and less buyer demand? Should you buy now or wait for a recession?  Will a recession cause a housing crash?  What does all of this mean for you as a buyer or selling in the 2022 Housing Market?  In this LIVE, we will provide a real estate market update and answer any questions you have about Mortgage and Real Estate to hel...

EP17 - New Construction vs Existing Homes: Which is Right for You? 07.06.2022

Are you a first time home buyer considering new construction homes and wondering the difference between new construction vs resale? Should you consider NEW CONSTRUCTION? What are the pros and cons of buying new construction in this housing market? Should you BUY NOW or WAIT?  There are a lot of changes happening right now with interest rates, supply bottlenecks and time delays that may make o...

LIVE Q & A - Have We Reached The End Of The Craziness In The Housing Market? 03.06.2022

The Housing Market is in the middle of a Shift with House Price Deceleration in Full Effect.  Have We Reached The End Of Craziness In Housing Market? Should you BUY NOW or WAIT for a Housing Crash?  Does a slowing market mean prices are going to go down substantially? How does a Recession affect Housing? Will RISING Interest Rates continue to affect buyer demand as we head into the Sprin...

EP16 - Is A Wave Of Foreclosures Coming? 31.05.2022

Are you concerned that a foreclosure wave is the next shoe to drop to bring down house prices?  Should you Buy Now or Wait?  The rise in foreclosures has increased 132% year over year, what's next?  How Will FORECLOSURES Impact Housing Prices in 2022? In this video, we discuss the latest foreclosure data and why you shouldn't be concerned with a foreclosure wave as a home buyer to h...

LIVE Q & A - Are Falling House Prices Really Ahead For The Housing Market? 27.05.2022

The Housing Market is Changing with more homes to choose from and less buyer demand? Are Falling House Prices Really Ahead for the Real Estate? Should you BUY NOW or WAIT for a Housing Crash?  Does a slowing market mean prices are going to go down substantially? How does a Recession affect Housing? Will RISING Interest Rates continue to affect buyer demand as we head into the Spring? In this...

EP15 - Will The Phoenix Arizona Housing Market Continue to Thrive In A Slowing Real Estate Market? 24.05.2022

Phoenix, Arizona has been one of the Hottest Real Estate Markets over the last few years largely driven by out of state migration patterns and affordable housing.  Can the Phoenix Metro Housing Market continue to thrive in a slowing housing market?  Have home prices PEAKED with Rising Interest Rates and Slowing Buyer Demand? What should you consider as a first time home buyer when consid...

LIVE Q & A - What's Next? The Housing Market is Slowing 20.05.2022

The Housing Market is Changing with more homes to choose from and less buyer demand? Should you BUY NOW or WAIT for a Housing Crash?  Does a slowing market mean prices are going to go down substantially? How does a Recession affect Housing? Will RISING Interest Rates continue to affect buyer demand as we head into the Spring? In this LIVE, we will provide a real estate market update and answe...

EP14 - How To Navigate A Slowing Housing Market 17.05.2022

Have home prices PEAKED with Rising Interest Rates and Slowing Buyer Demand? How do you take advantage of a slowing housing market as a first time home buyer? The Real Estate Market is starting to cool but does that mean we will finally see price decline or a crash in prices? In this video, we discuss what you need to understand as a buyer in a changing real estate market to help you become The Ed...

LIVE Q & A - Are You Ready For A Slowing Housing Market? 13.05.2022

Interest Rates are hitting new highs, demand is slowing while inventory is starting to build? Should you BUY NOW or WAIT?  Are you ready for a slowing housing market? What does a slowing market mean for house prices? Are we headed into a housing recession? In this LIVE, we will provide a real estate market update and answer any questions you have about Mortgage and Real Estate in order to hel...

EP13 - 5 Mistakes To AVOID When Getting A Mortgage 10.05.2022

Getting approved to buy a house can be a stressful process whether you're a first time home buyer or someone who has done it several times.  In this episode, we discuss the 5 BIGGEST Mortgage Mistakes to Avoid and how you can avoid them to have a better home buying experience and help you become The Educated Home Buyer. Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real...

LIVE Q & A - Is The Housing Market Headed Towards Reality? 06.05.2022

Supply is building and demand is slowing so does that mean the housing market is headed for more normal times? Or does that mean a housing crash is on the way? Should you BUY NOW or WAIT?  Does a slowing market mean prices are going to go down substantially or go back to more normal appreciation? How does a Recession affect Housing? Will RISING Interest Rates continue to affect buyer demand a...

EP12 - 5 Mistakes To Avoid When Buying A House 03.05.2022

Buying a house can be a stressful process whether you're a first time home buyer or someone who has done it several times.  In this episode, we discuss the 5 BIGGEST Home Buyer Mistakes to Avoid and how you can avoid them to have a better home buying experience and help you become The Educated Home Buyer. Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01...

LIVE Q & A - Hang On! The Housing Market is Changing! 29.04.2022

The Housing Market is Changing with more homes to choose from and less buyer demand? Should you BUY NOW or WAIT for a Housing Crash?  Does a slowing market mean prices are going to go down substantially? How does a Recession affect Housing? Will RISING Interest Rates continue to affect buyer demand as we head into the Spring? In this LIVE, we will provide a real estate market update and answe...

EP11 - Adjustable Rate Mortgages (ARM’s)…What Are They, How Do They Work, Is It Right For You? 26.04.2022

Are you considering an adjustable rate mortgage because of the lower interest rate and lower monthly payment?  What is an adjustable rate mortgage?  How do arm loans work?  What are the pros and cons of using an adjustable rate loan? In today’s episode we are going to discuss arm loans (adjustable rate mortgages) in more detail to help you become The Educated Home Buyer. Connect wit...

LIVE Q & A - The Housing Market is Slowing 22.04.2022

The Housing Market is slowing but what does that really mean for a buyer or selling in this real estate market? ? Should you BUY NOW or WAIT for a Housing Crash?  Does a slowing market mean prices will Fall? Will RISING Interest Rates continue to affect buyer demand as we head into the Spring? In this LIVE, we will provide a real estate market update and answer any questions you have about Mo...

EP10 - Contingency Periods - What are they? When can you safely waive them when Buying a House? 19.04.2022

Are you a first time home buyer wondering how to navigate the world of contingencies when buying a house?  What are contingencies?  Do you have to waive them when buying a house in this real estate market?  How long do you have before your earnest money deposit is at risk? When can you safely waive them as a home buyer? In today’s episode we are going to discuss all of the things wi...

EP09 - How to Write Better Offers When Buying A House 12.04.2022

Are you a first time home buyer wondering how to make your offer stand out amongst the competition?  How do you set yourself up for success when starting the home buying process? Do you have to waive the appraisal and home inspection to be competitive?  How do you compete against multiple offers when buying a house in this Real Estate Market? In today’s episode we are going to discu...

LIVE Q&A - Answering all Questions about Real Estate and Mortgage 08.04.2022

Should you take a leap and buy a house in 2022 with rising interest rates? Should you BUY NOW or WAIT for a Housing Crash? When will house prices become more affordable?  Will RISING Interest Rates affect Housing as we head into the Spring? In this LIVE, we will provide a real estate market update and answer any questions you have about Mortgage and Real Estate.  Join us for my weekly Ho...

EP08 - Where Do Mortgage Interest Rates Go From Here? 05.04.2022

Are you a first time home seller wondering about the direction of mortgage rates?  Where will interest rates be in a few month?  What's causing interest rates to increase right now?  How will that affect the housing market? How will interest rates affect your ability to buy real estate in 2022? What should you consider when deciding on whether or not to lock your loan?   I...

Listen to the The Educated HomeBuyer | First Time Home Buyer Tips, Mortgage Rates & Housing Market Updates podcast in Replaio

Radio and podcasts in one app - free, with no sign-up. Install today and do not miss the launch

Get it on Google Play

Replaio is not a podcast publisher; show names, artwork and audio belong to their authors and are distributed through public RSS feeds.