Welcome to The Educated Homebuyer where we discuss everything you need to know to buy right, borrow smart and build wealth through real estate ownership. ✅ -…
21:18723 views · 6h ago · 21:18
A 2-1 mortgage buydown could save you hundreds of dollars a month, but it could also set you up for a serious financial mistake. With mortgage rates remaining elevated, more homebuyers are using seller concessions to temporarily lower their monthly payments, but what happens when those savings disappear after two years?
36:533K views · 4d ago · 36:53
The Fed just held interest rates steady, but with inflation still elevated and two officials pushing for another hike, the pressure on borrowers may not be over. We’ll break down the decision and what it could mean for mortgage rates, affordability, and your plans to buy or sell a home. In this live, we’ll cover the latest housing market updates, homebuying strategies, and your real estate questions so you can make informed decisions.
Topics: Fed pauses, 2 dissent: "a heck of a family fight" · Why the Fed waited, and 78% odds of a December hike · Inventory hits 911,000 homes, highest since 2019 · Mortgage applications up 4%: are we near the floor? · Orange County and Huntington Beach inventory check · Pending sales: 52,000 now vs 67,000 a year ago
32:153.1K views · 1w ago · 32:15
Using AI to buy a home in 2027 could end up costing you thousands of dollars if you're not careful. While tools like ChatGPT and Claude can be incredibly helpful for first-time home buyers, relying on AI for home values, mortgage rates, or financial decisions could lead to some very expensive mistakes.
50:018K views · 1w ago · 50:01
Buyers have more negotiating power than they've had in years, and the housing market is starting to reflect that. With builder confidence hitting a 14-year low, homes sitting on the market longer, price reductions becoming more common, and sellers increasingly willing to negotiate, the opportunities are growing for those paying attention.
Topics: Why buyers have the best negotiating room in 5+ years · 43% of builders are cutting prices (average cut: 6%) · Inventory hits 905K, highest since 2019 · Why a 2.21 spread is keeping rates stuck · Where prices are rising and falling, metro by metro · Why this isn't 2008: builders aren't overbuilding
23:4226K views · 2w ago · 23:42
7.5% mortgage rates are scaring buyers away, and that’s creating opportunities for those still looking. With less competition and sellers more willing to negotiate, buyers can push for price reductions, closing cost credits, and rate buydowns. In this episode, we break down how to use this market to your advantage and what happens if rates rise, stay flat, or fall.
41:414.4K views · 2w ago · 41:41
Mortgage rates have surged to nearly 7.5%, and the housing market could be headed for even more trouble as the bond market teeters on the edge of another major move. With inflation concerns, global conflicts, and economic uncertainty pushing rates higher, the possibility of 8% mortgage rates is becoming a real concern. Meanwhile, buyer demand is weakening, price reductions are increasing, and home sales continue to struggle.
Topics: Have mortgage rates peaked? · The CPI morning: 10-year jumps to 5.33%, then reverses · Inventory up 4.8% from last year, plus Orange County · Pending sales drop to 54K and the spread widens · Why home sales are stuck at 1989 levels · CPI hits 3.7%: what it means for rates
26:455.2K views · 3w ago · 26:45
By the time you realize you bought the wrong house, your savings could already be gone. A remodeled kitchen can hide expensive problems, a low HOA payment can come with a huge assessment, and the location you’re willing to overlook could make selling difficult later. Josh and I break down five types of homes first-time homebuyers need to look at carefully before making an offer. Before you stretch your budget to get the keys, understand what you’re actually buying.
41:443K views · 3w ago · 41:44
Rising rates are having a HUGE impact on the housing market keeping buyer demand subdued allowing inventory to build ultimately leading to lower home prices. This trend is likely to continue into 2027 making it the most buyer friendly housing market we've seen in quite some time. In this Live, we'll break down what's happening with the economy, mortgage interest rates as well as the housing market while answering your questions live. Come join us!
Topics: Tonight: the 2 things that will shape the 2027 housing market · Inventory tops 900,000 homes, the highest since 2020 · A 29,000 jobs report and rates didn't budge: here's why · Mortgage rates at 7.59% and the 10-year level that has to break · Higher rates, more inventory: where home prices go in 2027 · Will the market crash? What it would actually take
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