About Buy Right, Borrow Smart
Jeb Smith has sold Southern California real estate for two decades. Josh Lewis has spent 31 years in mortgages. Every week, they take what actually happens inside the industry and hand it to you straight — so you buy with confidence instead of crossed fingers.
Our Story
The Realtor + The Mortgage Expert. Together.
Most homebuyers get advice from one side of the transaction. Their agent tells them what to offer. Their lender tells them what they can borrow. But rarely do both sides talk to each other — and that gap costs buyers thousands of dollars and months of stress.
Jeb Smith and Josh Lewis built Buy Right, Borrow Smart to close that gap. With Jeb's deep expertise in real estate and Josh's mastery of the mortgage market, every episode gives you the full picture — the kind of honest, coordinated advice that most buyers never get.
The result? Listeners who buy smarter, borrow better, and build real wealth through homeownership.
Meet Your Hosts
Jeb Smith
Realtor · Real Broker
Jeb Smith has sold Southern California real estate for more than 20 years — 450+ homes closed, over $400 million in real estate — as a licensed broker in Huntington Beach who holds his GRI and ABR designations. RealTrends ranked him in the top 1.5% of agents nationwide in 2025, and his market commentary has been featured in CNET, Money, and Fortune. Away from the closing table, he has built a following of 130,000+ on YouTube teaching buyers and sellers how the market actually works.
He and Josh first met through CrossFit back in 2008, started trading mortgage-and-real-estate takes on Jeb's weekly live shows, and eventually made it official as a podcast. His advice runs against the usual sales script: do not fall in love with a house until the keys are in your hand — and the goal is never to talk you into buying. It is to give you what you need to make the right call for your situation, even when that call is "wait."
- 20+ years in Southern California real estate
- 450+ homes sold · $400M+ in real estate
- Top 1.5% of agents nationwide (RealTrends, 2025)
- Licensed Broker · GRI & ABR · DRE #01407449
- 130K+ YouTube subscribers educating buyers
Josh Lewis
CMC · BuyWise Mortgage
For most people, a mortgage is the biggest financial decision they'll ever make and the one they understand the least. Josh Lewis has spent 31 years closing that gap. He'll show you exactly what a loan costs over the years you'll hold it, how every piece of it works, and why one loan program and cost structure fits your situation better than another. He's funded more than $700 million across 1,300-plus loans, and what he measures is whether each buyer landed in the right loan for their needs and understood why it was the right one.
He founded BuyWise Mortgage to give buyers a straight shot: he and his team work with 145 investors and handle your loan directly, from the first call to the keys, so the loan is built around your situation. When the math says wait, he'll tell you to wait. He lays the whole thing out in plain language, so you always know exactly what you're signing and why it's the right move for you.
- In his 31st year guiding home buyers, since 1995
- $700M+ funded across 1,300+ loans
- He and his team work with 145 investors — never a referral
- Founder of BuyWise Mortgage · loans in 35 states through United American Mortgage Corp.
- Certified Mortgage Consultant · NMLS #234220
Ready to Work With Jeb or Josh?
Need a mortgage? Josh and the BuyWise Mortgage team handle your loan directly in 35 states through United American Mortgage Corporation — home to nearly 90% of our listeners (see exactly where we're licensed). Want the right agent? Jeb connects you with a top-1% Realtor he's personally vetted — not a name from a database, a connection he'd stake his own reputation on.