Foreclosures are rising—and one loan type just hit its highest rate since 2019. The national mortgage delinquency rate climbed to 4.04% in Q1 2025, and while overall foreclosure rates remain below historical norms, VA loans saw a surge. In this live, we break down what's happening with mortgage delinquencies, the economy, The FED, inflation, mortgage rates, inventory and demand to help you determine whether you should buy now or wait.

• 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

Buying your first home is easy when you understand what the process looks like. In this episode, we go through the entire home buying process from A to Z for first time home buyers. If you are a first time home buyer, watch this before you buy!

• 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 FED Just left the Federal Funds rate unchanged signaling that mortgage rates will likely stay higher for longer. The Federal Reserve sees uncertainty withinflation and employment leading them to due exactly as the market was expecting, nothing. In this live, we break down what's happening with the economy, The FED, inflation, mortgage rates, inventory and demand to help you determine whether you should buy now or wait.

• 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 are reacting more volatile than ever before, creating an environment full of uncertainty. In this video, we break down what’s driving rate volatility and why even positive news can push rates higher fast. With Fannie Mae projecting a gradual decline, the reality is that short-term rate moves remain unpredictable. If you’re in the market, understanding this landscape is critical to making the right decision.

• 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 is FINALLY Moving In Favor of Buyers But Is Now The Right Time To Buy? In this live, we break down what's happening with the economy, The FED, inflation, mortgage rates, inventory and demand to help you determine whether you should buy now or wait.

✅ Ready to take the next step?

• 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, interest rates, and affordability are colliding in 2025 and the housing market’s shifting fast. In this episode, we break down how mortgage rates are impacting supply, demand, competition, and long-term wealth-building. We show you why affordability isn't just about monthly payments, and how smart buyers are navigating today's uncertainty.

• 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 are now projected to decline nationally, with Zillow forecasting a drop in house prices through March 2026. Inventory is climbing, buyer options are growing, and sellers are losing some of their leverage. While mortgage rates remain volatile, this shift could create opportunity for buyers who are prepared. In this live, we break down what's driving mortgage rates higher and what you should expect moving forward as a buyer or seller in 2025 so that you can become The Educated HomeBuyer.

✅ Ready to take the next step?

• 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

FHA loans offer low down payments and flexible credit requirements, BUT most buyers don’t understand how they really work. In this episode, we break down the facts, from qualification myths to hidden costs like mortgage insurance and lender overlays. You’ll learn how FHA compares to conventional loans, when it makes sense to use, and the surprising truths most lenders won’t tell 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

Mortgage interest rates just hit the highest levels we've seen in months while inventory continues to grow. Is this the new normal or just a temporary blip on the radar? Should you buy now or wait? In this live, we break down what's driving mortgage rates higher and what you should expect moving forward as a buyer or seller in 2025 so that you can become The Educated HomeBuyer.

✅ Ready to take the next step?

• 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

Tariffs are back and they’re shaking up the housing market fast. In this episode, we break down how rising mortgage rate volatility is impacting buyers, sellers, and affordability. If you're in the market or just watching from the sidelines, here's what you need to know now before things shift 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