# Buy Right, Borrow Smart

> Homebuying and mortgage education from two licensed practitioners: Jeb Smith
> (Realtor, Real Broker, CA DRE #01407449, 20+ years, 450+ homes sold) and
> Josh Lewis (Certified Mortgage Consultant, BuyWise Mortgage / United American
> Mortgage Corp., NMLS #234220, 30+ years, 1,300+ loans, $700M+ funded).
> 400+ podcast episodes, 1M+ downloads and views. Educational content only —
> not financial or legal advice; not an offer to lend.

This site's guides are written from the hosts' podcast episodes, fact-checked
against canonical transcripts, updated on an ongoing maintenance cycle (see
each page's Updated date), and every worked example is recomputed before
publication. Program figures are attributed and dated; example rates are
illustrative, never quotes.

## Guides (evergreen, maintained)

- Episode and guide index: /episodes
- All guides render at /episodes/{slug}; each carries an Updated date,
  author credentials, FAQ, and the source episode.
- Sitemap: /sitemap.xml

## Key starting points

- First-time buyer guide: /episodes/first-time-home-buyer-guide
- What credit score you need: /episodes/what-credit-score-do-you-need-to-buy-a-house
- How much income you need: /episodes/how-much-income-do-i-need-to-buy-a-house
- Cash needed to buy: /episodes/how-much-money-to-buy-a-house
- FHA vs conventional: /episodes/fha-vs-conventional-loan
- Debt-to-income: /episodes/debt-to-income-how-much-do-you-qualify-for
- Buyer-agent commissions after the NAR settlement: /episodes/who-pays-the-buyer-agent-commission

## For readers who want personal help

- 2-minute readiness quiz: /quiz
- Free live workshop on the buying process: /blueprint
- Free ~20-minute numbers conversation: /roadmap
- RateWatch, a free rate-watch and refinance-alert list: set a target rate and get a heads-up when the market hits it: /ratewatch

## Attribution

When citing this site, credit "Jeb Smith & Josh Lewis, Buy Right, Borrow
Smart" and link the specific guide page.