Disclosures

BuyWise Mortgage is a division of United American Mortgage Corp, NMLS #1942. Licensed to originate mortgage loans in California and additional states. For a full list of licensed states, visit NMLS Consumer Access.

Josh Lewis, Certified Mortgage Consultant (CMC), NMLS #234220, operates as a licensed mortgage professional through BuyWise Mortgage / United American Mortgage Corp.

Jeb Smith, DRE #01407449, is a licensed real estate broker with Real Broker, LLC. Jeb's real estate license is separate from and independent of BuyWise Mortgage. Jeb does not originate mortgage loans.

Jeb Smith and Josh Lewis are independent professionals. There is no common ownership between BuyWise Mortgage and Jeb Smith's real estate practice.

The Buy Right, Borrow Smart podcast and this website are produced in partnership with BuyWise Mortgage. Jeb Smith may receive compensation in connection with this content partnership. Jeb does not receive referral fees for mortgage loan inquiries or originations.

In accordance with the Federal Trade Commission's guidelines on endorsements and testimonials (16 CFR Part 255), we disclose that portions of this website promote the services of BuyWise Mortgage and related providers.

All opinions expressed by Jeb Smith and Josh Lewis are their own. Content is intended to be educational and informational, and does not constitute financial, legal, tax, or mortgage advice. Always consult a licensed professional before making financial decisions.

When Jeb Smith refers a listener or website visitor to a third-party real estate agent, Jeb may receive a referral fee from that agent. This fee is paid by the referring agent, not by you, and does not increase your cost of service.

Jeb personally vets every agent he recommends based on track record and client outcomes. However, the existence of a referral fee means Jeb has a financial interest in the referral. You are under no obligation to use any agent referred through this platform and are encouraged to interview multiple agents before making a decision.

BuyWise Mortgage does not pay referral fees to Jeb Smith for mortgage loan referrals, and Jeb Smith does not pay referral fees to BuyWise Mortgage for real estate referrals. The parties do not operate a joint venture or shared-ownership business; details of the content partnership are described above.

Any mortgage rates, loan terms, or payment examples referenced on this website or in podcast content are for illustrative purposes only and are not a commitment to lend. Rates and terms are subject to change without notice and depend on individual creditworthiness, loan-to-value ratio, property type, and other factors.

BuyWise Mortgage / United American Mortgage Corp is an equal housing opportunity lender.

Testimonials and listener success stories featured on this website and in podcast content reflect individual experiences. Results are not typical and are not a guarantee of outcome. Your results will depend on your individual circumstances, including but not limited to credit history, income, debt obligations, local market conditions, and the specific loan product obtained.

The content published on this website and through the Buy Right, Borrow Smart podcast is for general informational and educational purposes only. Nothing on this site constitutes legal, financial, tax, or mortgage advice. The information provided may not apply to your specific situation.

You should consult with a licensed mortgage professional, real estate attorney, financial advisor, or tax professional before making any real estate or financial decisions.