Mortgage rates dropped sharply last week but will the trend continue? In this LIVE episode, we’re breaking down what’s really driving mortgage rates, how the latest inflation and jobs data impact the housing market, and what it all means for buyers and homeowners heading into 2026 so you can make smart decisions and become The Educated HomeBuyer.

• Start your stress-free loan journey today
• Join Rate Watch – we’ll watch rates for you
• Email: [email protected]

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 self-employed and your tax returns show far less income than you actually make, you’ve probably been told you don’t qualify for a mortgage. In this episode, we break down exactly how bank statement loans work, how lenders calculate income, what they cost, and when they actually make sense.

• Ready To Become A Homeowner? Start Here

• Join Rate Watch – we’ll watch rates for you
• Email: [email protected]

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

The Federal Reserve Minutes just released confirmed a divided Fed indicating that further interest rate cuts should be paused for now. Does this mean interest rates won't go down? Could they possibly reverse course? In this LIVE episode, we’re breaking down what’s really driving mortgage rates, how the latest inflation and jobs data impact the housing market, and what it all means for buyers and homeowners heading into 2026 so you can make smart decisions and become The Educated HomeBuyer.

• Start your stress-free loan journey today
• Join Rate Watch – we’ll watch rates for you
• Email: [email protected]

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 can’t confidently answer yes to these five checkpoints, you’re not ready to buy a home. In this episode, we break down the hard truths about knowing your numbers, avoiding house-poor mistakes, and why draining your savings is a red flag, not a badge of honor . Homeownership is powerful, but only when your income, budget, and reserves align with reality. Get this wrong and the stress will outweigh the dream. Get it right and you set yourself up to build wealth the smart way.

• Ready To Become A Homeowner? Start Here

• Join Rate Watch – we’ll watch rates for you
• Email: [email protected]

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 waiting for mortgage rates to calm down before making a move, you might be waiting longer than you think. Rates remain volatile as mixed economic signals continue to roll in, with inflation cooling but employment surprising to the upside and unemployment ticking down to 4.3%, leaving many wondering whether mortgage rates can actually move lower from here. In this LIVE episode, we’re breaking down what’s really driving mortgage rates, how the latest inflation and jobs data impact the housing market, and what it all means for buyers and homeowners heading into 2026 so you can make smart decisions and become The Educated HomeBuyer.

• Start your stress-free loan journey today
• Join Rate Watch – we’ll watch rates for you
• Email: [email protected]

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

The next 60 days will significantly impact the 2026 housing market, as the period of January through March generally dictates the trajectory for interest rates, buyer confidence, and seller behavior. By late March, it will be clear whether 2026 will be a buyer's market, a seller's market, or a stagnant market.

• FREE Online Workshop - Your Guide to Buying A Home In 2026

• Ready To Become A Homeowner? Start Here

• Join Rate Watch – we’ll watch rates for you
• Email: [email protected]

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

62% of home buyers last year purchased at discount to original listing price, highest proportion since 2019. Will this trend continue into the 2026 housing market? 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.

• Start your stress-free loan journey today
• Join Rate Watch – we’ll watch rates for you
• Email: [email protected]

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 just elected a new FED chair, and many buyers are wondering what that actually means for mortgage rates. In this episode, we explain why the appointment of Kevin Warsh may not lead to the lower interest rates many people expect. We break down what the Federal Reserve can and cannot control, how Fed policy impacts mortgage rates, and what this means for today’s housing market.

• FREE Online Workshop - Your Guide to Buying A Home In 2026

• Ready To Become A Homeowner? Start Here

• Join Rate Watch – we’ll watch rates for you
• Email: [email protected]

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

More than 40,000 signed home purchase agreements were canceled in December, representing 16.3% of all homes that went under contract, according to Redfin. 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.

• Start your stress-free loan journey today
• Join Rate Watch – we’ll watch rates for you
• Email: [email protected]

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

The housing market in 2026 is shaping up to be the most normal market buyers and sellers have seen in years. In this video, we break down how rising inventory and cautiously returning demand are stabilizing the housing market after a period of extreme volatility. We explain how interest rates, supply trends, and buyer behavior are influencing current conditions. The discussion also highlights why the housing market will look very different depending on where you live.

• FREE Online Workshop - Your Guide to Buying A Home In 2026

• Ready To Become A Homeowner? Start Here

• Join Rate Watch – we’ll watch rates for you
• Email: [email protected]

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