Think your credit score is too low to buy a home? That may be about to change. In this episode, Jeb Smith and Josh Lewis sit down with Anthony Hutchinson of VantageScore to break down a major shift in the mortgage world. For the first time ever, Fannie Mae and Freddie Mac will soon accept VantageScore 4.0, a game-changer for first-time buyers, renters with thin credit files, and underserved communities.

• 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

Zillow updated it's housing market forecast projecting that US Home Prices will go up over the next year! Should you buy now or wait? In this LIVE episode we will discuss Zillow's Housing Market Forecast while updating you on mortgage rates and the economy to help you in today's housing market.

• 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

Everyone’s waiting for 5%, but the market is already moving and most people don’t even realize it. In this episode, we break down the real trigger behind today’s shift in buyer behavior, the silent surge in refinances, and why it all matters more than you think. The numbers are changing, the psychology is shifting, and if you’re not paying attention, you’ll miss the window.

• 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

"Skip two payments!" "No cost refi!" "Lock it now or lose it!" — Sound familiar? In this episode, we pull back the curtain on the most common (and misleading) mortgage sales pitches. We also break down what these phrases really mean, why they’re used, and how to spot red flags before you sign. Whether you’re buying your first home or refinancing, you’ll learn how to shop smart, avoid costly traps, and work with a true mortgage advisor not a salesperson

• 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

Home prices in some U.S. cities are not just affordable, they’re undervalued by double digits, according to new Moody’s data. In this video, I break down the top 24 markets where home prices are priced below fundamentals and why these areas could be hidden opportunities for buyers. We’ll look at where the biggest shifts have happened since the Pandemic Housing Boom and what’s driving these changes. If you’ve been waiting for the right market to buy into, this list might surprise you.

• 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 One Big Beautiful Bill just passed, but will it actually save you money as a homeowner—or cost you more? In this episode, we break down exactly how the bill affects mortgage interest deductions, SALT caps, and future interest rates. Whether you're buying your first home or thinking about selling, this tax change could impact your bottom line. Watch now and get expert clarity from Jeb and Josh so you can buy right, borrow smart, and build wealth.

• 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

Mortgage Interest Rates Hit a 2025 Low But can this trend continue? How low will interest rates go? Should you lock in now or wait? In today's LIVE, we're giving you a weekly update 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

Mortgage interest rates are finally trending lower after the employment market shows considerable weakness. How low can interest rates go? Should you buy now or wait? In today's LIVE, we are going to discuss the current housing market, mortgage rates as well as the ecomony 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

Wondering when mortgage interest rates will finally drop? You're not alone—and in this episode, Josh and Jeb break down exactly what needs to happen before rates head lower. From Fed policy and labor data to inflation, tariffs, and recession risks, we unpack the full picture so you know what to expect as a buyer or refinancer.

• 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

Huge miss in non-farm payrolls creates a big old rally in the bond market. It's reframing the picture of the labor market making a case for more rate cuts in the short term . In today's LIVE, we are going to discuss the current housing market, mortgage rates as well as the ecomony 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