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

EP149 - 5 Questions You MUST Answer Before Buying A Home 24.12.2024

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. =========================================== ✅ - Connect Directly With Our Mortgage & Real Estate Team - http://www.theeducatedhomebuyer.com/expert ⏩ - Let us contact you as rates drop- htt...

LIVE Q & A - How The Latest FED Rate CUT Will IMPACT The Housing Market 20.12.2024

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 ➡️L...

EP148 - Mortgage Interest Rates Will RESHAPE The 2025 Housing Market 17.12.2024

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...

LIVE Q & A - What To Expect From U.S. Home Prices In 2025 13.12.2024

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...

EP147 - These TRUMP Policies Will Have A HUGE Impact On Mortgage Rates 10.12.2024

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. =============...

LIVE Q & A - The 2025 Housing Market Will Be A BUMPY Ride According To Zillow 06.12.2024

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 Rat...

EP146 - The Housing Market Is In BIG Trouble 03.12.2024

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- ht...

LIVE Q & A - The FATE of The 2025 Housing Market Depends On Mortgage Rates 29.11.2024

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://ww...

EP145 - 5 Questions You Have to Ask Your REALTOR Before Buying A House 26.11.2024

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.theeducated...

LIVE Q & A - The 2025 Housing Market Largely Depends On Interest Rates 22.11.2024

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 U...

EP144 - Mortgage Interest Rates Will Stay HIGH 19.11.2024

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:/...

LIVE Q & A - Housing Market Costs Are About To SKYROCKET 15.11.2024

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...

EP143 - These TRUMP Policies Will Have A HUGE Impact On House Prices 12.11.2024

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. ============================...

LIVE Q & A - How HIGH Will Mortgage Interest Rates Go? 08.11.2024

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. =========================================== ✅ - Co...

EP142 - Do NOT Shop For A Lender 05.11.2024

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://ww...

LIVE Q & A - Mortgage Rates Hit The HIGHEST Levels in 3 Months 01.11.2024

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...

EP141 - Here's How The Election Will SHIFT The Housing Market 29.10.2024

Trump vs Kamala is just a few weeks away. A change in presidency likely means a change in housing policy and a shift in the housing market. In this episode we discuss each candidates proposed housing policies and how that might affect house prices and the future of the real estate market. =========================================== ✅ - Connect Directly With Our Mortgage & Real Estate Team - h...

LIVE Q & A - Interest Rates Are In TROUBLE 25.10.2024

Mortgage Interest Rates Continue To CLIMB to The HIGHEST Levels We've Seen In Months And Unfortunately It Doesn't Look Like They Have PEAKED. 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...

EP140 - Working With The WRONG Lender Will Cost You $$$ 22.10.2024

Be Very Careful when deciding on your mortgage lender as they could end up costing you more than just money. In this video, we discuss how working with the wrong lender will cost you $$$. =========================================== ✅ - Connect Directly With Our Mortgage & Real Estate Team - http://www.theeducatedhomebuyer.com/expert 📩 - info@theeducatedhomebuyer.com 💻 - http://www.theeducat...

LIVE Q & A - This Magic Mortgage Rate Will UNLOCK The Housing Market 18.10.2024

Interest Rates hit a 16 month low a few weeks ago before reaching 6.65% today. According to John Burns Research, neither of these rates will do much to unlock homeowners who'd like to sell and buy something else, therefore, are staying put. 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 t...

EP139 - 5 Questions You Have to Ask Your Mortgage Lender Before Buying a Home 15.10.2024

Don't commit to a lender until you ask these 5 crucial questions. Remember, you are putting your thousands at stake so you want to avoid any mortgage mistakes. In this video, we cover 5 Questions You Have to Ask Your Mortgage Lender Before Buying a Home. =========================================== ✅ - Connect Directly With Our Mortgage & Real Estate Team - http://www.theeducatedhomebuyer.com/...

LIVE Q & A - The Housing Market Is FINALLY Slowing 11.10.2024

Inventory is growing while interest rates are increasing as we move into the slowest season of the year. Are we finally headed towards a buyer's market? Join us as we discuss the current housing market. ✅ - Work Directly With Our Team (Mortgage and Real Estate Nationwide) - http://www.theeducatedhomebuyer.com/expert A 📩 - info@theeducatedhomebuyer.com 🎙- The Educated Home Buyer Podcast - YouTube...

EP138 - Mortgage Interest Rates Just Bottomed 08.10.2024

Interest Rates Just Shot Up Over .5% after hitting the lowest levels we've seen in 2 years. Have you missed the boat on low mortgage rates? In this video, we discuss interest rates and why they could end up staying higher for longer. ✅ - Get connected with us or to a local expert in your market, http://www.theeducatedhomebuyer.com/expert 🎙- The Educated Home Buyer Podcast - Spotify - https://open...

EP137 - Do NOT Refinance Your Mortgage 04.10.2024

Refinancing Your Mortgage Could Be A HUGE Mistake. In this video, we discuss what you have to pay attention to when doing a refinance and why you should NOT refinance your mortgage ✅ - Get connected with us or to a local expert in your market, http://www.theeducatedhomebuyer.com/expert 🎙- The Educated Home Buyer Podcast - Spotify - https://open.spotify.com/show/3Ho4sTORqrLYlkBwWUkSBA Apple - http...

LIVE Q & A - Here's Why Interest Rates INCREASED After The FED Cut 27.09.2024

Mortgage Interest Rates Increased Right After The Federal Reserve Cut Rates. When will interest rates go back down? Should you Buy now or wait? In this live episode, we dive into the latest inflation numbers, Federal Reserve updates, and key employment data to help you understand what it all means for mortgage rates, the housing market, and your decision to BUY NOW or WAIT for better prices in 202...

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