The Fed just cut rates, but mortgage interest rates went up. In this episode, we break down the tug of war inside the Fed, exposing why mortgage rates remain stubbornly high despite market expectations. Inflation, outdated employment data, and political uncertainty are clouding every decision, and the outcome could keep rates in the 6s or worse for longer than anyone hoped. Watch to get the full breakdown and plan your next move before the housing market shifts again.

• 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

Interest Rates jumped after sitting at 3 year lows. Where are interest rates going from here? 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

What happens if mortgage rates drop after you've already locked yours in? In this episode, we break down rate lock float downs, explain how they work, and walk through when you might be able to renegotiate for a better rate. We also cover what lenders typically allow, the costs involved, and why timing matters. If you're buying or refinancing, this is a must-watch to help you borrow smart and stay informed.

• 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 Sit Near 3 Year Lows as the Federal Reserve Cuts Rates! Where are interest rates headed from here? 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 White House is considering declaring a national housing emergency but will it actually make homes more affordable? In this episode, Jeb Smith and Josh Lewis break down what emergency powers could realistically change, the political theater behind it, and which proposals (like expanding capital gains exemptions or auctioning federal land) could truly impact housing supply. If you're a homebuyer feeling stuck, this episode cuts through the noise.

• 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 demand jumps to the highest level in three years, as interest rates drop sharply. Should you buy now or wait for lower mortgage interest rates? 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 Donald Trump is making moves to reshape the Federal Reserve—and it could mean big changes for mortgage rates. In this episode, we break down how Trump’s potential Fed nominees could influence rate cuts, what it means for the housing market, and how it might actually backfire for homebuyers.

• 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 rates have dipped recently, but don’t expect that trend to continue in 2025. Fannie Mae now projects rates will end the year around 6.5%—barely changed from today. Despite media hype, experts say a real plunge isn’t coming anytime soon. In this LIVE episode we will discuss Fannie Mae's Mortgage Interest Rate 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

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