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.
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What is The Educated HomeBuyer | First Time Home Buyer Tips, Mortgage Rates & Housing Market Updates?
The Educated HomeBuyer | First Time Home Buyer Tips, Mortgage Rates & Housing Market Updates is a education podcast hosted by Unknown Host, with 453 episodes on record and a Required Pod Score of 80.
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Unknown Host hosts The Educated HomeBuyer | First Time Home Buyer Tips, Mortgage Rates & Housing Market Updates, a education show with 453 episodes published.
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The Educated HomeBuyer | First Time Home Buyer Tips, Mortgage Rates & Housing Market Updates
The Mortgage Process Explained From Start to Finish - EP241
Sep 28, 202633 min
Getting preapproved is only the beginning of the mortgage process. For many first-time homebuyers, everything that happens between the initial lender conversation and getting the keys can feel confusing, stressful, and full of surprises. In this episode, we walk through the home loan process from start to finish, including the discovery call, mortgage preapproval, comparing loan options, interest-rate locks, underwriting, the home appraisal, conditional loan approval, closing disclosures, and the final closing. We also explain what buyers should expect at each stage and where mortgage problems commonly arise. Whether you are preparing to buy your first home or already under contract, understanding the mortgage process can help you avoid delays, make better financing decisions, and reach closing with fewer surprises. Choosing an experienced lender with a clear process can make the difference between a smooth transaction and a last-minute scramble. ✅ Are you ready to become a homeowner? https://www.buyrightborrowsmart.com/quiz ✅ Start your stress-free journey today: http://www.buyrightborrowsmart.com/start
The Educated HomeBuyer | First Time Home Buyer Tips, Mortgage Rates & Housing Market Updates
Will mortgage rates RISE to 8% or DROP to 6%?
Sep 25, 202646 min
Mortgage rates are back above 7%, and the next move could change what buyers can afford. In this episode, Josh and I look at what’s driving mortgage rates higher, what would need to happen for them to come down, and how likely either scenario really is. We also talk through what changing rates mean for first-time homebuyers, sellers, and anyone waiting on the sidelines. If you’re trying to decide when to buy a home, this conversation will help you think through your buying power and monthly payment without relying on a rate prediction. ✅ Are You Ready To Become A Homeowner? https://www.buyrightborrowsmart.com/quiz ✅ Start your stress-free journey today: https://www.buyrightborrowsmart.com/start
The Educated HomeBuyer | First Time Home Buyer Tips, Mortgage Rates & Housing Market Updates
This Is NOT the Strongest Buyer’s Market on Record
Sep 21, 202630 min
The headlines are calling this the strongest buyer’s market on record, but the data tells a very different story. Today’s housing market is giving home buyers more negotiating power, but assuming every seller is desperate or automatically submitting a lowball offer could cost you the home you actually want. In this episode, we explain what the shift toward a buyer’s market really means, why conditions vary so much from one local housing market to another, and how first-time home buyers should approach negotiations. We discuss home prices, housing inventory, days on market, seller concessions, mortgage rate buydowns, closing costs, contingencies, and the different ways buyers can create a stronger offer without unnecessarily overpaying. You’ll also learn how to determine whether a home is overpriced, why some sellers are more motivated than others, and how to use comparable sales and local market data before deciding what to offer. If you’re planning to buy your first home, this episode will help you understand where you have leverage, how to use it intelligently, and how to avoid letting misleading housing market headlines influence one of the biggest financial decisions you’ll make. ✅ Are You Ready To Become A Homeowner? https://www.buyrightborrowsmart.com/quiz ✅ Start your stress-free journey today: http://www.buyrightborrowsmart.com/start
The Educated HomeBuyer | First Time Home Buyer Tips, Mortgage Rates & Housing Market Updates
Market Update - The STRONGEST Buyer's Market On Record Is Here!
Sep 16, 202646 min
The housing market has officially become the strongest buyer’s market on record , with sellers now outnumbering buyers by nearly 58% nationwide. Inventory is climbing, demand remains weak, and in markets like Nashville, Miami, Houston, and Austin, there are now more than twice as many sellers as buyers. But does that mean buyers finally have the upper hand, or do high home prices and mortgage rates still make buying a home too difficult? In today’s LIVE, we’ll break down what’s really happening in the housing market, where buyers have the most negotiating power, and what it means if you’re thinking about buying or selling a home. ✅ Are You Ready To Become A Homeowner? https://www.buyrightborrowsmart.com/quiz ✅ Start your stress-free journey today: https://www.jebsmith.net/start
The Educated HomeBuyer | First Time Home Buyer Tips, Mortgage Rates & Housing Market Updates
Using Your 401k To Buy A House: The $380,000 Mistake - EP239
Sep 14, 202623 min
Should you use your 401(k) to buy a house? For first-time homebuyers struggling to save enough for a down payment and closing costs, your retirement account may be an option, but how you access that money can make a massive difference. In this episode, we break down how first-time homebuyers can use a 401(k), 403(b), TSP, traditional IRA, or Roth IRA when buying a home. We explain the difference between taking a 401(k) loan and making an early withdrawal, including the potential taxes, penalties, repayment requirements, and impact on your long-term retirement savings. We also walk through the math behind a potential $380,000 mistake and explain why borrowing from your 401(k) may be very different from simply cashing it out. If you're trying to buy your first home but don't have enough money saved for the down payment, the answer isn't automatically to raid your retirement account or give up on buying altogether. The key is understanding your options, knowing how much cash you actually need to close, and figuring out whether using retirement funds fits into your bigger financial picture. Start Here ✅ Are you Ready To Become A Homeowner: https://www.buyrightborrowsmart.com/quiz ✅ Start your stress-free journey today: http://www.buyrightborrowsmart.com/start
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