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The Educated HomeBuyer | First Time Home Buyer Tips, Mortgage Rates & Housing Market Updates

Josh Lewis & Jeb Smith | Real Estate, Mortgage & Housing Market Experts
Housing Market
Mortgage Rates
Interest Rates
Federal Reserve
Inflation
Real Estate
Real Estate Market
Home Prices
Housing Inventory
Mortgage Interest Rates
Inventory Levels
Refinancing
Home Buying Process
Housing Affordability
Home Buying
Tariffs
Mortgage Refinancing
Affordability
FHA Loans
California

Buying a home is the biggest financial decision of your life — and most buyers do it without a real guide. Certified Mortgage Consultant Josh Lewis (NMLS 234220) and Licensed Real Estate Broker Jeb Smith break down mortgage rates, FHA & conventional loans, down payment strategies, credit scores, pre-approval, affordability, and housing market trends — in plain English, with no fluff and no agenda.... more

PublishesTwice weeklyEpisodes430Founded4 years ago
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Latest Episodes

Why First-Time Home Buyers Shouldn’t Wait for a 2008 Housing Market Crash

If you’re a first-time home buyer waiting for the housing market to crash before you buy a home, this video is for you. A lot of buyers are comparing today’s market to 2008, b... more

Is the housing market finally shifting away from sellers? In this episode of The Educated Homebuyer, Jeb Smith and Josh break down why sellers are pulling homes off the market at the fastest pace since 2020, what that means for inventory levels, and ... more

Consumer debt is becoming one of the biggest obstacles for first-time homebuyers in 2026.

In this episode of The Educated Homebuyer, Jeb Smith and Josh Lewis break down how credit cards, student loans, car payments, personal loans, and high debt-to-... more

YouTube

Is the spring housing market still strong even with higher mortgage rates? In this episode of The Educated Homebuyer, Jeb Smith and Josh Lewis break down what first-time home buyers need to know about today’s real estate market, including inventory t... more

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Recent Guests

Tony Hutchinson
Executive Vice President at VantageScore, veteran in housing policy with extensive experience shaping significant legislation.
VantageScore
Episode: EP185 - Your Credit Score Just Got a MASSIVE Upgrade
Logan Motoshami
Chief Economist at HousingWire
HousingWire
Episode: LIVE Q & A - Mortgage Rates Are Headed Lower
Logan Mohtashami
Housing market analyst and expert
Housingwire
Episode: EP134 - What The FED Pivot Means For The Housing Market With Logan Mohtashami
John Wake
Real estate data analyst and economist
RealEstateDecoded
Episode: EP130 - Housing Isn't CRASHING But Change Is On The Way

Hosts

Josh Lewis
Certified Mortgage Consultant (NMLS 234220); Host of The Educated Home Buyer show; mortgage education and lending expertise
Jeb Smith
Licensed Real Estate Broker; Co-host on The Educated Home Buyer Live; real estate brokerage and home buying guidance

Reviews

4.7 out of 5 stars from 243 ratings
  • Best Info Out There

    Really great information and constant live updates on the national market. They really know their stuff! They both are actively employed as a lender and realtor, but aren’t pushy at all in trying to gain customers. But I’d definitely recommend working with them if you’re in their area anyway!

    Apple Podcasts
    5
    Dtc6
    United States2 months ago
  • My favorite real estate podcast

    As a first-time homebuyer, I LOVE how useful the advice provided by this podcast is! There’s no fluff, they get straight to the point, and it’s so incredibly helpful and detailed while still being digestible for those of us who are brand new to this experience. I’ve learned so much just from listening to a handful of episodes while we were in the process of submitting an offer and going through escrow on our first house. Thank you guys so much for sharing your expertise!

    Apple Podcasts
    5
    emilyannloeppke
    United States9 months ago
  • AWESOME AND TIMELY FEEDBACK!!!

    Josh and Jeb”s feedback via email was on point and AWESOME! They explained and broke down for me the details of a counter offer with a home seller and helped me come to the best decision for me and my family with the potential home purchase! Thank you both very much!

    Apple Podcasts
    5
    db671!
    United States2 years ago
  • Honest Analysis

    These guys provide information in an unbiased fashion; hard to find nowadays when people are chasing clicks. If you are interested in the housing market this is a must listen. They make it easy for non-professionals to understand. Keep up the good work!

    Apple Podcasts
    5
    C..B..J
    United States2 years ago
  • Great Show & Thoughtful

    Josh & Jeb have plenty of Real Estate: experience, tips, continuity & connection. They will take the time to answer questions, even off the show, and are considerate - which goes a long way in this constant profit over everything world. The charts on YT do help but not needed. I like 1.5x ha. Enjoy the show

    Apple Podcasts
    5
    GSmitttty
    United States2 years ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Some criticism notes perceived bias toward homeownership benefits and calls for broader market nuance.
Positive: listeners praise practical, non-fluffy guidance and updated market insights from real professionals.
Many appreciate first-time buyer focus and jargon-free explanations that are easy to apply.
Feedback highlights helpful lender coordination, data-driven market updates, and responsive host engagement.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Talking Points

Recent interactions between the hosts and their guests.

Market Update - War Headlines Just SHIFTED Mortgage Rates
Q: In today's California market, does buying a rental property still make financial sense given prices and rates?
Given California's rental market dynamics and high entry barriers, a rental property can be financially challenging unless you have substantial down payment, favorable terms, and specific location advantages; otherwise it's often difficult to pencil out.
Market Update: FED's Major Warning on Housing Market Impact
Q: What is the commission for realtors when you sell a house?
Typically sellers pay two commissions: one to the listing agent and usually a buyer's agent commission as part of the transaction, though the exact amounts and structure can be negotiated between parties.
Bank Statement Loans: How First-Time Buyers Qualify Without Tax Returns | EP210
Q: Is it easier to do a bank statement loan than qualify for traditional loan?
Both types of loans are relatively straightforward, but they involve different documentation requirements.
Market Update: How Low Can Interest Rates Really Go?
Q: Can you tell us why everywhere house prices are going down?
While some areas have seen price drops, most of the U.S. is experiencing stable or increasing prices, especially in markets that did not have dramatic COVID-era spikes.
Market Update: How Low Can Interest Rates Really Go?
Q: How do USDA interest rates compare to FHA and VA?
USDA loans are typically priced very similarly to FHA and VA loans because they all get sold in government-backed pools.

Audience Metrics

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Frequently Asked Questions About The Educated HomeBuyer

What is The Educated HomeBuyer about and what kind of topics does it cover?

This show serves first-time home buyers and real estate newcomers with straight-talking guidance on mortgage options, down payments, and navigating a shifting housing market. Episodes blend rate updates, loan program explanations, and practical strategies for pre-approval, offer timelines, and lender coordination. Unique by focusing on data-driven, roadmap-style advice and real-world stories from buyers and professionals, it aims to empower listeners to borrow smart, buy confidently, and build long-term equity.

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How many listeners does The Educated HomeBuyer get?

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How many subscribers and views does The Educated HomeBuyer have?

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Which podcasts are similar to The Educated HomeBuyer?

These podcasts share a similar audience with The Educated HomeBuyer:

1. HousingWire Daily
2. BiggerPockets Real Estate Podcast
3. On The Market
4. Real Estate Rookie
5. Real Estate Investing with Coach Carson

How many episodes of The Educated HomeBuyer are there?

The Educated HomeBuyer launched 4 years ago and published 430 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on The Educated HomeBuyer?

Recent guests on The Educated HomeBuyer include:

1. Tony Hutchinson
2. Logan Motoshami
3. Logan Mohtashami
4. John Wake

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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