{"podcast":{"title":"The Educated HomeBuyer | First Time Home Buyer Tips, Mortgage Rates & Housing Market Updates","slug":"the-educated-homebuyer-first-time-home-buyer-tips-mortgage-rates-housing-market-updates-5050192","podcast_index_feed_id":5050192,"rss_url":"https://anchor.fm/s/8568bb9c/podcast/rss","website_url":"https://www.TheEducatedHomeBuyer.com","image_url":"https://d3t3ozftmdmh3i.cloudfront.net/staging/podcast_uploaded_nologo/22282335/22282335-1719263121637-914cbe106d481.jpg","author":"Josh Lewis & Jeb Smith | Real Estate, Mortgage & Housing Market Experts","episode_count":427,"summary":"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. Whether you're a first-time home buyer or making your next move, this show gives you the education, strategies, and frameworks to buy right, borrow smart, and build wealth through homeownership.","last_synced_at":null,"page_url":"https://stenobird.com/podcast/the-educated-homebuyer-first-time-home-buyer-tips-mortgage-rates-housing-market-updates-5050192"},"episode":{"title":"Mortgage Interest Rates Have BOTTOMED For 2026 - EP215","slug":"mortgage-interest-rates-have-bottomed-for-2026-ep215","published_at":"2026-03-30T12:00:00+00:00","page_url":"https://stenobird.com/podcast/the-educated-homebuyer-first-time-home-buyer-tips-mortgage-rates-housing-market-updates-5050192/mortgage-interest-rates-have-bottomed-for-2026-ep215","show_page_url":"https://stenobird.com/podcast/the-educated-homebuyer-first-time-home-buyer-tips-mortgage-rates-housing-market-updates-5050192","url":"https://podcasters.spotify.com/pod/show/theeducatedhomebuyer/episodes/Mortgage-Interest-Rates-Have-BOTTOMED-For-2026---EP215-e3h4nvr","audio_url":"https://traffic.megaphone.fm/APO2235173883.mp3","summary":"Have mortgage interest rates already bottomed for 2026? In this episode of The Educated Homebuyer , we break down the recent jump in mortgage rates, why global conflict, oil prices, inflation, and Treasury yields are all putting upward pressure on the market, and what that means for buyers planning to purchase a home this year. We also explain whether waiting for lower rates is a smart strategy, what would need to change for rates to fall again, and how homebuyers should think about timing the market in 2026. If you want to make a confident, informed homebuying decision in today’s market, this episode is a must-watch. :contentReference[oaicite:0]{index=0} Timestamps: 00:00 – Have mortgage rates bottomed for 2026? 00:45 – Why rates spiked (global conflict & oil impact) 02:30 – How much rates have actually increased 03:30 – Comparing past rate spikes vs. today 04:30 – Why this time may be different 05:30 – Inflation, oil, and economic ripple effects 07:30 – Government spending, debt, and rate pressure 09:30 – What needs to happen for rates to fall again 11:00 – Jobs data, inflation, and Fed outlook 13:00 – Can we see lower rates later in 2026? 14:30 – What this means for homebuyers right now 16:00 – Final take: Have we seen the lowest rates of the year? ➡️ FREE Online Workshop - Your Guide to Buying A Home In 2026 ✅ Ready to become a homeowner? Start your stress-free journey today","meta_description":"Have mortgage interest rates already bottomed for 2026? In this episode of The Educated Homebuyer , we break down the recent jump in mortgage rates, why g…","key_points":[],"chapters":[],"topics":[],"duration_seconds":1365,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/the-educated-homebuyer-first-time-home-buyer-tips-mortgage-rates-housing-market-updates-5050192/episodes/mortgage-interest-rates-have-bottomed-for-2026-ep215/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/the-educated-homebuyer-first-time-home-buyer-tips-mortgage-rates-housing-market-updates-5050192/mortgage-interest-rates-have-bottomed-for-2026-ep215.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}