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

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Episodes

LIVE Q&A - Have we reached the TOP in the Housing Market? 01.04.2022

Interest Rates are sitting at 3 year HIGHS with home prices up nearly 20% in just the last year? Should you BUY NOW or WAIT for lower house prices? When will real estate become more affordable?  Will RISING Interest Rates cause a Housing Crash as we head into the Spring? In this LIVE, we provide a real estate market update and answer LIVE questions about Mortgage and Real Estate.   Conne...

EP07 - With Prices At All Time Highs, Should You Sell Your Home NOW? 29.03.2022

Are you a first time home seller wondering if you should take advantage of record high appreciation and home equity by cashing out and selling your home? What should you consider before selling your home? Why are home sellers not putting their homes on the market which in turn is keeping inventory (supply) levels near all time lows?  In this podcast, we take a deep dive into the process of Se...

LIVE Q & A - First Time Home Buyer & Home Seller Questions Answered LIVE 25.03.2022

When will the 2022 Housing Market Normalize? 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.   Connect with me 👇 Jeb Smith (huntington beach Realtor/orange c...

EP06 - Should you pay points when getting a Mortgage? 22.03.2022

Welcome back to the Educated Home Buyer where we discuss everything you need to know to buy right, borrow smart and build wealth through real estate ownership and financing.  In this weeks episode, we are going to answer the question of what are points when getting a home loan?  What's the difference between origination points and discount points?  When does it make sense to pay them if ever?...

EP05 - How much are closing costs when buying a house? 15.03.2022

Are you a first time home buyer wondering how much are closing costs when buying a house? What's the difference between closing costs and prepaids? How much money do you need to buy a home in addition to the down payment?  In this podcast, we take a deep dive into all the costs involved when buying a home helping you become The Educated HomeBuyer. Josh and I talk to a lot of home buyers and i...

EP04 - What's Driving House Prices in 2022? 08.03.2022

Are you a first time home buyer wondering why house prices continue to rise? What's driving home prices in 2022?  What is driving supply and demand in the current real estate market with rising interest rates?  In this podcast, we take a deep dive into what's behind the rise in house prices everything from supply and demand to interest rates and migration patterns helping you become The...

EP03 - Pre-Qualification vs Pre-Approval - What's the Difference? 01.03.2022

Are you a first time home buyer wondering how to get a mortgage to buy a home? Should you get pre-qualified or pre-approved?  What's the difference in pre-approval vs pre-qualification? What documents are needed to get pre-approved?  What does a Realtor need to see in a pre-approval package? In this podcast, we take a deep dive into the pre-approval process helping you become The Educate...

EP02 - What's The First Step When Buying A Home? 23.02.2022

Are you a first time home buyer wondering where to start when buying a house? Do you start with a Real Estate Agent or Mortgage Lender or should you just go online? In this podcast, we take a deep dive into the real estate process helping you decide where to start.   Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Coldwell Banker Realty ➡I N S T...

EP01 - Should You Buy A Home in 2022? 22.02.2022

Are you a first time home buyer wondering whether Right now is the best time to buy a home? In this podcast, we discuss the pressing question of Should you Buy Now or Wait?  With home prices at record highs along with increasing interest rates, should you buy a home in 2022?  Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Coldwell Banker Re...

EP00 - Why Should You Own A Home? 15.02.2022

Why Home Ownership is Important Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Coldwell Banker Realty ➡I N S T A G R A M ➳ https://www.instagram.com/jebsmith ➡Y O U T U B E ➳https://www.youtube.com/c/JebSmith Connect with me 👇 Josh Lewis (Huntington each Certified Mortgage Expert) DRE 01209148 Buywise Mortgage M:714-758-5223 E: josh@buywisemortgage....

Welcome to The Educated HomeBuyer 14.02.2022

WHO IS JEB SMITH? A Real Estate Broker Associate with Coldwell Banker Realty in Huntington Beach, California, Jeb Smith offers his clients the benefits of his more than 19 years of experience in real estate and mortgage lending. He has handled many complex transactions for his clients, including short sales, bank-owned properties and luxury residential properties. While he was at Re/Max, his previ...

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