How important is your credit score when it comes to buying a house and getting a mortgage? What is a good credit score? What's the minimum credit score you need to qualify? What factors make up your credit score? In this episode, we take a deep dive into the world of credit and credit scores where we discuss the credit score model, the changes coming and how to maximize your credit to help you become The Educated HomeBuyer. Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county r...

As a first time home buyer going through the pre-approval process there are at least 10 Red Flags To Look Out For When Working With a Mortgage Lender in today's real estate market. In this episode, we discuss what to look out for when having conversations with lenders just to make sure you're not putting yourself in a bad situation to help you become The Educated HomeBuyer. Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Coldwell Banker Realty ➡I N ...

The housing market is continuing to slow with higher interest rates and lower buyer demand but there are still opportunities in this housing market. Which homes are still fetching a premium and selling quickly? Which are homes are sitting on the market longer with sellers lowering their prices? Where are the opportunities in this real estate market? In this episode, Josh and Jeb discuss why homes that are nicely remodeled in good locations are still selling quickly while the outdated homes ar...

Are you a first time home buyer wondering if you should buy now or wait? What should you be doing while preparing to buy a house in a shifting house market? What things should you focus on so that when you're ready, you're in the best position to take advantage of the real estate market with the best terms. In this episode, we discuss which items will give you the most bang for your buck when qualifying for a loan on top of why it's so important to start the process with a mortgage profession...

Are you waiting for lower house prices or lower interest rates? How do interest rates affect housing affordability versus lower house prices? In this episode, we discuss the 3 factors that make up the housing affordability equation and which will have the greatest benefit on homebuyers affordability when buying a house in the current housing market. We also give examples of the costs of waiting and show why lower rates help affordability more than lower prices as we help you become The Educat...

Are you a first time home buyer wondering how to get the best interest rate when buying a home? How do you find a lender? Why is it important to shop for a lender? Where do you start when getting pre-approved? What questions should you ask when talking to a lender? In this episode, we are going to address all of these questions about shopping for a mortgage lender as well as the questions below to help you become The Educated HomeBuyer. If you need to get pre-approved, you need to find a lende...

The median home price has declined while interest rates have nearly doubled since the beginning of the year. At the same time, we are starting to see sellers reduce their asking prices while demand is drying up. Should you buy now or wait? What's the risk of buying a house in a shifting market? In today's episode we are going to discuss the uncertainty in the housing market along with when you should consider buying a house to help you become The Educated HomeBuyer. Connect with me 👇 Jeb Smit...

Are you a first time home buyer wondering if you should buy now or wait and rent? When is the right time to buy a house? What should you consider buying asking yourself if you should buy vs rent? In today's episode, we are going to not only tell you when you should consider rent vs buying but also touch on why homeownership is so important to help you become The Educated HomeBuyer. Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Coldwell Banker Re...

Are you wondering how to get a deal when buying a house in 2022? Can you get a lowball offer accepted in this housing market? In this video, we discuss what you need to look for when trying to get a deal so we can help you become The Educated HomeBuyer Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Coldwell Banker Realty ➡I N S T A G R A M ➳ https://www.instagram.com/jebsmith ➡Y O U T U B E ➳https://www.youtube.com/c/JebSmith Connect with me 👇 Jos...

Are we headed for a housing recession or better yet a housing crash? Is there even a such thing as a housing recession? Why are so many people talking about the idea of a housing recession right now? What happens during a normal recession and how will that affect the housing market? In this video, we discuss the idea of a housing recession and what it means for you to help you become The Educated HomeBuyer. Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE ...

As the housing market continues to normalize, we expect to see house prices move more sideways than down but why? Why are housing prices sticky to the upside? In this episode, Josh and Jeb discuss the idea of house prices not declining during this period of normalization because of how homeowners think of their homes on top of the transaction fees involved and the cost of trying to find another place to call home. Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate)...

Are you a first time home buyer with questions about getting pre-approved to buy a house? How long do you need to be on your job? Can you have gaps in your employment? How long is the pre-approval good for? In this episode, we discuss these commonly asked questions in addition to others that we commonly get in order to help you become The Educated Homebuyer. Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Coldwell Banker Realty ➡I N S T A G R A ...

Are you a first time home buyer with questions about getting pre-approved to buy a house? What is the minimum credit score? How much money do you need for a down payment? How much are the closing costs? How much money do I need to have in the bank? In this episode, we discuss these commonly asked questions in addition to others that we commonly get in order to help you become The Educated Homebuyer. Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 0140744...

Are you a first time home buyer wondering about seller paid buydowns? What is a seller paid buydown? How does a buy down work? Who pays for a Seller paid buy down? What's the difference between a permanent buydown vs a temporary buydown? In this episode, we are going to discuss How to Use Seller Paid Buydowns To Get A Lower Interest Rate and how they benefit both the buyer and seller to help you become The Educated HomeBuyer. Connect with me 👇 Jeb Smith (huntington beach Realtor/orange count...

Are you currently in the real estate market as a homebuyer and wondering about seller credits? What is a seller credit? How do seller concessions work? Can the seller give you a credit towards closing costs? Is there a limit to what the seller can pay for a buyer? What can seller credits be used for when buying a home? In this episode, we take a deep dive into seller credits / seller concessions in order to help you become The Educated Homebuyer. Connect with me 👇 Jeb Smith (huntington beac...

Are you a first time home buyer wondering where interest rates are headed? Will they continue to rise or is there a chance that we could see lower interest rates in the future? What affects mortgage interest rates? What could cause interest rates to move higher? What could cause interest rates to move lower? In this episode, Josh and Jeb discuss interest rates, their impact on the housing market along with what you need to consider as a first time home buyer in today's real estate market to...

Are you looking to buy low and sell high with regards to real estate or are you looking for a place to call home? Is it even possible to time the real estate market? What does timing the housing market mean? Who should be worried about timing the market? Who's at the greatest risk of trying to time the market? In this episode, Josh and Jeb discuss the idea of trying to time the housing market and what you need to consider as a first time home buyer in today's real estate market to help you ...

Are you someone looking at buying a home or selling a home and looking for some direction with house prices and interest rates? Where is the market headed? Are house prices going to crash? Will we see interest rates continue to rise? How will the increase in housing inventory and a slow down in buyer demand affect the Housing Market? In this episode, Josh and Jeb give you there take on the current real estate environment by not only discussing the current real estate market but talking abou...

Are you a first time home buyer in the process of buying a house but not sure if an HOA is right for you? What are the pros and cons buying a home in a Homeowners Association? What should you look for when considering a homeowners association? In today's episode we discuss the pros and cons of an HOA in order to help you become The Educated HomeBuyer. Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Coldwell Banker Realty ➡I N S T A G R A M ➳ https:/...

Are you a first time home buyer in the process of buying a house but can't decide between a single family home vs a condominium? What are the pros and cons of each? In today's episode we discuss the pros and cons of owning a single family home and compare it to the pros and cons of owning a condo in order to help you become The Educated HomeBuyer. Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Coldwell Banker Realty ➡I N S T A G R A M ➳ https://www...

Are you a first time home buyer considering new construction homes and wondering the difference between new construction vs resale? Should you consider NEW CONSTRUCTION? What are the pros and cons of buying new construction in this housing market? Should you BUY NOW or WAIT? There are a lot of changes happening right now with interest rates, supply bottlenecks and time delays that may make owning new construction way less desirable than exiting homes. In this video, we are going to discuss wha...

Are you concerned that a foreclosure wave is the next shoe to drop to bring down house prices? Should you Buy Now or Wait? The rise in foreclosures has increased 132% year over year, what's next? How Will FORECLOSURES Impact Housing Prices in 2022? In this video, we discuss the latest foreclosure data and why you shouldn't be concerned with a foreclosure wave as a home buyer to help you become The Educated HomeBuyer Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real esta...

Phoenix, Arizona has been one of the Hottest Real Estate Markets over the last few years largely driven by out of state migration patterns and affordable housing. Can the Phoenix Metro Housing Market continue to thrive in a slowing housing market? Have home prices PEAKED with Rising Interest Rates and Slowing Buyer Demand? What should you consider as a first time home buyer when considering purchasing in a market like Phoenix? In this episode, we discuss what you need to consider as a buyer in...

Have home prices PEAKED with Rising Interest Rates and Slowing Buyer Demand? How do you take advantage of a slowing housing market as a first time home buyer? The Real Estate Market is starting to cool but does that mean we will finally see price decline or a crash in prices? In this video, we discuss what you need to understand as a buyer in a changing real estate market to help you become The Educated HomeBuyer Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DR...