Fed Chair Powell just sent one of the clearest signals yet about where interest rates are headed and it could reshape mortgage rates in the 2026 housing market. In this episode, we break down the latest Fed policy, the dot plot, and why the market may be seeing something very different than the Fed itself. We’ll explain what “neutral rates” really mean, how inflation and employment factor in, and what this all signals for homebuyers and homeowners over the next 12–24 months. If you’re planning to buy, refinance, or wait, this is a conversation you can’t afford to miss.
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Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker
Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727
The housing market shift everyone’s been talking about may already be behind us. Inventory is still rising, but the pace is slowing fast, and that changes the entire conversation for buyers and sellers. Tonight we break down what slowing inventory growth actually means, why some markets are stabilizing, and what to watch next as we head into 2026. Join us live to talk strategy, not headlines, and how this shift impacts your next move.
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Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker
Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727
Buying a home in this market feels impossible for many people, but the real stories in this episode prove that buyers are still winning every single day. We walk through the exact hurdles real clients faced and how they overcame appraisal issues, tough negotiations, timing challenges, and rising rates. If you're feeling stuck, overwhelmed, or unsure whether you can buy right now, this episode will show you what’s actually happening in the real world. Watch the full breakdown and learn how to put yourself in the best position to succeed.
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Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker
Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727
The Federal Reserve Cut Rates by .25 while also stating that the housing market faces significant challenges that they don't have the tools to fix. Should you buy now or wait? In this LIVE episode we will discuss the current housing market while updating you on mortgage rates and the economy to help you become The Educated HomeBuyer.
Connect with Us 👇
Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker
Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727
Buying a home with a small down payment is possible, but choosing the wrong loan could cost you thousands. In this video we break down the real differences between FHA, 3 percent down conventional, USDA, and VA loans so you know exactly which fits your financial situation. You will learn the credit rules, automated approval pitfalls, debt to income limits, and how lenders actually evaluate your file. Watch to the end so you can choose the minimum down program that sets you up for long term success.
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Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker
Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727
The bigger the local boom, the greater the potential for a local bust. The biggest home price declines are hitting the housing markets that saw the biggest price gains during the pandemic. In this video, we discuss the latest market data on these markets while answering your mortgage and real estate questions LIVE.
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Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker
Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727
Most first time home buyers fail because they start the process the WRONG way. In this video, we show you how to actually buy a home in 2026 without falling into common traps like emotional offers, bad timing, or guesswork. Whether you're a first-time buyer or just want a better process, you'll learn the exact step-by-step plan to purchase with clarity, confidence, and zero regrets. Watch now to take control of your home buying journey the right way.
Connect with Us 👇
Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker
Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727
Think mortgage rates are about to drop? Not so fast. The Fed just sent a clear message that has big implications for anyone planning to buy a home in 2026. In this episode, we cut through the noise and break down exactly what the Fed is signaling and how it impacts your strategy. If you're preparing to buy, this is the episode that will help you move forward with confidence.
Connect with Us 👇
Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker
Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727
Redfin just reported "It’s the Strongest Buyer’s Market in Records Dating Back Over a Decade" with the number of homebuyers in the market at it's lowest level. Is this the right time to buy or should you wait?
Connect with Us 👇
Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker
Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727
Trump just floated the idea of a 50-year mortgage. Is it the future of affordability or a financial trap disguised as a solution? In this episode, we break down who it helps, who it hurts, and what it really means for buyers. If you're in the market or just watching it closely, you need to hear this.
Connect with Us 👇
Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker
Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727
President Trump proposed 50-year mortgages to improve housing affordability by lowering monthly payments. Is this a good idea for home buyers or a disaster waiting? Should you buy now or wait for the 50 year mortgage?
Connect with Us 👇
Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker
Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727
Markets thought mortgage rates were heading down — then Powell stepped in and slammed the brakes. No December rate cut (yet), stocks slid, and mortgage rates jumped. But the Fed also made a stealth move that could shape housing in 2026, and nobody's talking about it. In this episode, we unpack what the Fed really said, why it matters more than the headlines, and what smart buyers should be doing right now.
Connect with Us 👇
Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker
Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727
Most homebuyers overlook the real cost of ownership. While your mortgage stays fixed, property taxes, insurance, and utilities are all surging and they’re hitting harder than ever which is having a HUGE Impact on Housing Affordability. This episode breaks down the three biggest affordability shocks catching buyers off guard and explains how to get ahead of them.
Connect with Us 👇
Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker
Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727
Zillow just updated their 12 month forecast predicting home prices will likely rise between September of 2025 and September of 2026. While it's no longer negative, it's not exactly bullish either. Should you buy now or wait?
Connect with Us 👇
Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker
Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727
Mortgage rates are finally trending lower but the experts aren’t all aligned. In this episode, Jeb Smith and Josh Lewis break down the latest data, forecasts, and why inflation, tariffs, and Fed policy could push rates into the high 5s before year-end. Whether you're refinancing or buying your first home, this conversation reveals what to expect next and how to prepare.
Connect with Us 👇
Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker
Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727
If you're planning to buy a home in 2026, waiting until spring will cost you. This episode is a step-by-step breakdown of what a real strategic pre-approval looks like and why most buyers blow it before they even start. Learn how to build confidence, win offers, and avoid working with amateurs who tank your deal.
Connect with Us 👇
Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker
Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727
You’ve done everything right.......saved, budgeted, got pre-approved and now the government shuts down. So what does that mean for your home purchase? In this episode, we break down the real impacts of the government shutdown on the housing market, from delayed USDA loans and flood insurance hiccups to IRS transcript issues.
Connect with Us 👇
Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker
Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727
We are seeing clear signs of softening as 15 states are now above pre-pandemic inventory levels. While manyregions are still tight, areas that overheated during the pandemic are seeing clear signs of softening. n this LIVE episode we will discuss the current housing market while updating you on mortgage rates and the economy to help you become The Educated HomeBuyer.
Connect with Us 👇
Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker
Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727
Everyone thinks mortgage rates are the only factor that control home prices but the truth is way more complicated. In this episode, we dig into 25 years of real housing data to uncover when rates really moved the market… and when they didn’t. We also break down the emotional side of buying, the myth of affordability, and how today's 6%–7% rates are reshaping buyer demand. If you're thinking of buying, selling, or just want to understand what's really happening, this is the episode to watch.
Connect with Us 👇
Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker
Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727
KB Home admits it may have gone too far with home price cuts in Florida—and now the housing market is showing signs of stabilizing. In this LIVE episode we will discuss the current housing market while updating you on mortgage rates and the economy to help you become The Educated HomeBuyer.Article: https://www.resiclubanalytics.com/p/kb-home-cut-florida-home-prices-this-year-now-it-s-seeing-signs-of-housing-market-stabilization
Connect with Us 👇
Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker
Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727