Can one afford a house in today's housing market if you put 20% down? Knowing how much house you can afford based on your down payment and salary is not only crucial for your personal finances but also for your overall financial well-being. In this video, we look at your how much home you could qualify for putitng 20% down with different salaries and loan amounts.

➡️This is How Much House You Can Get Putting 3.5% Down - https://youtu.be/T0y_1VTXBrY
➡️This is How Much House You Can Get On a $65K Salary - https://youtu.be/jpYXWUpj54I
➡️This is How Much House You Can Get On a $100K Salary - https://youtu.be/2izwySLI5-s


✅ - Ready to find the right loan? Start your stress-free journey today: jebsmith.net/start

HOME BUYER RESOURCES:

🏠 - First Time Home Buyer Course - http://www.becominghomewise.com

📧- Sign Up For My Free Newsletter - https://bit.ly/48LJJp3

Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Real Broker

#housingmarket #firsttimehomebuyer #realestate

Most people have no idea they're picking the wrong loan and losing thousands. FHA and Conventional loans aren't what you think and today, I’m breaking down real-world numbers to prove it. Whether you're putting 3%, 5%, or 10% down, the differences in payments and terms could change everything you thought you knew about buying a home. If you think you know which loan is better, you’re about to find out why you might be wrong.

➡️Buy NOW with FHA or WAIT? - https://youtu.be/OrfYookGd78
➡️ FHA Loan Requirements - Mortgage Insurance and Debt To Income - FHA Loan 2025 - https://youtu.be/HEy3L1hvpDo

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✅ - Ready to find the right loan? Start your stress-free journey today: jebsmith.net/start

🏠 - First Time Home Buyer Course - http://www.becominghomewise.com

=================================================================================

Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Real Broker

#housingmarket #firsttimehomebuyer #realestate

Mr. Cooper borrowers are sitting on a golden opportunity to refinance, and most don’t even know it. With Rocket Mortgage acquiring Mr. Cooper, UWM is fighting back hard, offering major incentives to win that business. In this video, I break down exactly what that means for you and why refinancing now could save you thousands. I also cover the biggest mistakes to avoid, like paying points or resetting your loan term.

➡️A New REFINANCING Opportunity Is On It's Way! - https://youtu.be/2GZlsxbVGTs
➡️ Do NOT Pay Points When REFINANCING - https://youtu.be/dZjyEzIvfZg

HOME BUYER RESOURCES:

🏠 - First Time Home Buyer Course - http://www.becominghomewise.com

✅ - Ready to find the right loan? Start your stress-free journey today: jebsmith.net/start

👀 - Join our Rate Watch List - http://www.jebsmith.net/ratewatch

📧- Sign Up For My Free Newsletter - https://bit.ly/48LJJp3

Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Real Broker

#housingmarket #firsttimehomebuyer #realestate

The global economy is on edge as new tariffs trigger a surge in interest rates and a sharp market selloff. Stocks are falling, bond yields are climbing, and the ripple effects could hit everything from consumer prices to housing. In this video, I break down what’s really happening, why it matters, and what it could mean for mortgage rates and real estate. This is the kind of shift that could reshape the economic landscape for years to come.

➡️Buying a Home at a 7% Mortgage Interest Rate is SMART - https://youtu.be/Gi6AmjDvcLM
➡️How The Upcoming RECESSION Will Impact Mortgage Interest Rates & House Prices - https://youtu.be/JdSs-_3EO7k

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HOME BUYER RESOURCES:

✅ - Ready to find the right loan? Start your stress-free journey today: jebsmith.net/start

➡️ - Let Us Watch Mortgage Rates For You - http://www.jebsmith.net/ratewatch

🏠 - First Time Home Buyer Course - http://www.becominghomewise.com

==============================================================

Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Real Broker

#housingmarket #firsttimehomebuyer #realestate

Assumable loans are the most overrated loan in the current housing market. Everyone’s hyping them up but unfortunately, most buyers won’t qualify. In this video, I break down how they really work, why most people have them completely wrong, and what you actually need to qualify.

Other Loan Requirement Videos👇

➡️VA Loan Requirements - Eligibility, Benefits, Costs and The Process - https://youtu.be/D_U052yXYEY
➡️2025 USDA Loan Requirements (The ONLY No Down Loan Program) - https://youtu.be/_MzFEW25wwI

==============================================================

✅ - Ready to find the right loan? Start your stress-free journey today: jebsmith.net/start

🏠 - First Time Home Buyer Course - http://www.becominghomewise.com

==============================================================

Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Real Broker

#housingmarket #firsttimehomebuyer #realestate

How much home can you afford on a $100K SalarY/ Can one afford a house on this salary? Knowing how much house you can afford based on your $100,000 salary is not only crucial for your personal finances but also for your overall financial well-being. In this video, we look at your $100K salary using Dave Ramsey's recommendations, the 28/36 rule and ultimately how much home you can purchase using a Conventional Loan and an FHA loan.

➡️ - This is How Much House You Can Get On a $65K Salary - https://youtu.be/jpYXWUpj54I
➡️ - This is How Much House You Can Get Putting 3.5% Down - https://youtu.be/T0y_1VTXBrY

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✅ - Ready to find the right loan? Start your stress-free journey today: jebsmith.net/start

===========================================================

🏠 - First Time Home Buyer Course - http://www.becominghomewise.com

📧- Sign Up For My Free Newsletter - https://bit.ly/48LJJp3

===========================================================

Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Real Broker

#housingmarket #firsttimehomebuyer #realestate

Should you buy a home now with an FHA loan or wait until you have a larger down payment? In this video, we discuss FHA loan requirements in addition to helping you decide when you should consider using FHA and when it's better to wait.

➡️ FHA Loan Requirements - Mortgage Insurance and Debt To Income - FHA Loan 2025 - https://youtu.be/HEy3L1hvpDo

=================================================================================

✅ - Ready to find the right loan? Start your stress-free journey today: jebsmith.net/start

🏠 - First Time Home Buyer Course - http://www.becominghomewise.com

=================================================================================

Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Real Broker

#housingmarket #firsttimehomebuyer #realestate

Mortgage rates are falling, but economic uncertainty could change everything. With inflation cooling, job market shifts, and the Fed’s next moves uncertain, homebuyers and sellers need to stay informed. Recession fears are pushing rates lower, but financial instability and tighter lending could create new hurdles. This breakdown covers market trends, mortgage rate volatility, and key strategies to navigate 2025’s housing market.

➡️Buying a Home at a 7% Mortgage Interest Rate is SMART - https://youtu.be/Gi6AmjDvcLM

HOME BUYER RESOURCES:

✅ - Ready to find the right loan? Start your stress-free journey today: jebsmith.net/start

➡️ - Let Us Watch Mortgage Rates For You - http://www.jebsmith.net/ratewatch

🏠 - First Time Home Buyer Course - http://www.becominghomewise.com

Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Real Broker

#housingmarket #firsttimehomebuyer #realestate

Mortgage interest rates just made a big move, dropping from 7.25% to 4.5% in just over a month, which could reshape the entire housing market. An economic slowdown, recession fears, and market volatility are driving rates lower, creating a potential refinancing opportunity. "No-cost" refinances aren't truly free, as costs are often hidden in higher interest rates or added to the loan balance. In this video, I discuss when it makes sense to refinance, when it doesn't, and how to avoid costly refinancing mistakes

➡️ Do NOT Pay Points When REFINANCING - https://youtu.be/dZjyEzIvfZg

HOME BUYER RESOURCES:

🏠 - First Time Home Buyer Course - http://www.becominghomewise.com

✅ - Ready to find the right loan? Start your stress-free journey today: jebsmith.net/start

👀 - Join our Rate Watch List - http://www.jebsmith.net/ratewatch

📧- Sign Up For My Free Newsletter - https://bit.ly/48LJJp3

Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Real Broker

#housingmarket #firsttimehomebuyer #realestate

Are you a veteran first time home buyer interested in buying a house using your VA benefits in the 2025 housing market? In this video, we are going to discuss the 2025 VA Loan Requirements, answer some common questions around VA and while discussing VA Eligibility, VA Benefits, VA Closing Costs and The VA Loan Process

Other Loan Requirment Videos 👇

➡️ 2025 USDA Loan Requirements (The ONLY No Down Loan Program) - https://youtu.be/_MzFEW25wwI

HOME BUYER RESOURCES:

✅ - Ready to find the right loan? Start your stress-free journey today: jebsmith.net/start

🏠 - First Time Home Buyer Course - http://www.becominghomewise.com

📧- Sign Up For My Free Newsletter - https://bit.ly/48LJJp3

=============================================================

VA Loan Resources👇

Check your VA Eligibility -
https://www.va.gov/housing-assistance/home-loans/eligibility/

VA Approved Condo List - https://lgy.va.gov/lgyhub/condo-report

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Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Real Broker

#housingmarket #firsttimehomebuyer #realestate