You watched the videos. Now let's get you into a home.
Stop Guessing. Start Buying — With a Clear Plan and the Right Team Behind You.
Start with a Discovery Call to discuss your goals and next steps. When you're ready, Josh's team reviews your application and documents, then walks through your actual numbers and loan options. Josh's team handles your loan directly. If you need an agent, Jeb connects you with one he has personally vetted.
Takes 2 minutes to start. Costs nothing. Changes everything.
250+
Five-Star Reviews
$700M+
Loans Funded
$400M+
Real Estate Sold
1M+
Downloads & Views
As Featured In
The Expensive Way
Winging It Has a Price. You just don't see it until closing.
Most buyers do it in exactly the wrong order: fall in love with a house, then scramble to figure out the money. They tour homes they can't close on. They make offers sellers don't take seriously. They take the first mortgage option that sounds okay — and find out at the closing table what it actually cost them. None of that is a character flaw. It's what happens when no one's ever shown you how it's supposed to work.
There's a better way: we work with you to create a custom-tailored plan, optimized to your objectives and your current situation. And it starts with one conversation.
Step 1
start your Roadmap with a Discovery Call
145
investors Josh and his team work with to tailor your loan
$0
cost and no obligation to get your Roadmap
What You Get
A Mortgage Plan Built Around Four Critical Questions.
Your Realistic Qualifying Range
Not a ballpark from an online calculator. Your real range, based on your income, your debts, and your down payment — and built around your maximum comfortable budget, not the biggest number the guidelines can squeeze you into.
Your Total Monthly Payment
One honest, all-in number: principal, interest, property taxes, homeowner's insurance, mortgage insurance, and any HOA dues. The payment you'll actually live with.
The OPTIMAL Loan for Your Situation
The right loan is more than a rate. Josh and his team work with 145 investors to tailor the loan, rate, points, and fees to your situation and how long you'll keep it.
A Clear Path from Pre-Approval to Stress-Free Closing
What to do, in what order, on what timeline — starting with a pre-approval sellers take seriously.
From the first call to the closing table, it's Josh and his team. Nobody else.
What Happens Next
No Spam. No Surprise Calls. Here's Exactly How It Works.
Tell us your situation
Two minutes, a few questions. Where you are, what you're trying to do. No documents, no digging through paperwork.
Pick your time
Schedule your Discovery Call on the calendar. If you skip that step, the team will reach out to find a time that works.
Start with a Discovery Call
Josh or one of his mortgage advisors discusses your goals, questions, and preparation needs. Together, you decide whether you are ready to move into application and pre-approval.
Complete your application and documents
When you are ready, the team sends an application and document request and explains the credit review. Once everything requested is received, the goal is to review within 24 hours and invite you to schedule your Options Call.
Compare your options
Your Options Call covers your actual qualification, comfortable price range, payment, cash to close, and the loan choices that fit your goals.
Says Who?
The Process Works. Here's Who It Worked For.
Real names, verified reviews — buyers who started exactly where you are.
I started listening to Josh and Jeb's podcast to learn about the home buying process knowing I would be looking to buy in the next 6 months. The more I listened, the more I learned, and knew Josh and his team would be the right people to support me. Josh took the time to answer any questions I had and helped me get through the pre-approval process so I'd be ready to make an offer on the right house when it came along. The first house I went to ended up being the one! Thanks to Josh we were able to put in a competitive offer with just a 3.5 week close date. My offer was accepted. I'd recommend Jeb and Josh to any home buyers.
Becca Morgenstern
Verified client · first-time buyer
Josh Lewis and his team were AMAZING. I contacted Josh after listening to his and Jeb Smith's YouTube podcast. He was fantastic at explaining in detail any terminology I didn't understand, as well as loan types, terms, and escrow fees. His honest opinions helped in making sure I made a very educated decision on mortgage options and rates. Everything was so smooth and hassle free — I never experienced anything like this before with my two previous mortgage providers.
Karen Gates
Verified mortgage client
We worked with Jeb to sell our home during a very tough and slow market, and we honestly could not have done it without him. His marketing was on another level — the photos and video really helped our listing stand out when a lot of other homes were sitting without movement. Even in a slow market, he brought in strong interest and guided us through with confidence and skill. If you want someone who knows how to market, negotiate, and get results, Jeb is the person to call.
Paul Cho
Verified real estate client
Is This For You?
Who the Roadmap Is For — and Who It Isn't.
This is for you if…
- You're serious about buying — now or in the next 12 months — and want your real numbers before you fall in love with a house.
- You want a strategy and a straight answer, not a sales pitch and a rate quote.
- You're buying in one of the 35 states we lend in. (see the list)
- You want the truth even when the truth is "you should wait" — and a plan for what to do in the meantime.
It's not for you if…
You're chasing the lowest advertised rate across twenty websites. We compete on strategy and total cost — and we'll show you our math — but bait numbers aren't our game.
Not sure you're ready yet? That's exactly what the free tools are for.
Who You're Working With
The Two Guys Behind the Roadmap
You've heard how they think — 400+ episodes of it. Here's who they are on paper.
Jeb Smith
Veteran Real Estate Broker
- 20+ years experience
- 450+ homes sold
- $400M+ closed
- Real Estate Broker, DRE #01407449
Veteran real estate broker with 20+ years guiding Southern California buyers and sellers, with 450+ homes sold and $400M+ in closed real estate. Jeb leads with education and personally vets every agent he refers across the country.
Josh Lewis
Certified Mortgage Consultant
- 30+ years experience
- $700M+ funded · 1,300+ loans
- Loans in 35 states through UAMC
- VA loan specialist
Certified Mortgage Consultant in his 31st year helping first-time, veteran, and move-up buyers navigate financing with clarity. Known for simplifying complex strategies and giving honest, personalized guidance, Josh and the BuyWise team handle your loan directly — never a referral.
Still Have Questions? We've Got Answers
Is the Roadmap really free?+
Yes. No cost, no obligation. We earn our living when buyers choose to work with us on their loan — the Roadmap stands on its own, and plenty of people take it and buy a year later.
Will you pull my credit?+
The Roadmap can include application and pre-approval, which require a credit review. Josh's team will explain the credit-pull requirements before you proceed.
What happens after I submit the form?+
You pick your call time right on the calendar. If you skip that, the team reaches out by phone, text, or email to find a time that works.
What if I'm not buying for another year?+
Then this is the perfect time. You'll know exactly what to fix, what to save, and the order to do it in — waiting without a plan is how buyers lose years.
What if I only need an agent, not a loan?+
Same form covers it. Tell us where you're buying, and Jeb connects you with a Realtor he's personally vetted. Jeb may receive a referral fee from the agent he connects you with, paid by that agent. See our Disclosures.
Is my state covered?+
Our team lends directly in 35 states through United American Mortgage Corporation — see exactly where on our licensing page. In one of the 18 we don't serve? We can point you to another licensed lender.
I already have a pre-approval from my bank.+
Perfect — bring it. We'll walk through the math side by side. Worst case, you leave knowing you already have the right deal.
Your Move
Stop Wondering What You Qualify For.
Start with a Discovery Call. When you are ready, application and document review lead to an Options Call covering your qualification, payment, cash to close, and loan choices. No cost. No obligation.
Takes 2 minutes to start · Josh and his team, never a referral
Josh Lewis, NMLS #234220 · BuyWise Mortgage, a division of United American Mortgage Corp, NMLS #1942. Equal Housing Opportunity. Not a commitment to lend; rates and terms subject to change. Jeb Smith, DRE #01407449 · Real Broker. Your application is handled by Josh and his team directly, never handed to a third-party lead buyer. All information is deemed reliable but not guaranteed and should be independently verified.
The Roadmap can include application and pre-approval when appropriate. Initial estimates are not a loan commitment; approval and final terms depend on application, documentation, credit review, and underwriting.
By submitting your information you expressly consent to receive calls and text messages (including via automated technology) from BuyWise Mortgage / United American Mortgage Corp. and Buy Right, Borrow Smart at the number provided regarding your inquiry. Consent is not a condition of purchase. Msg/data rates may apply; reply STOP to opt out.
Josh Lewis, NMLS #234220 · BuyWise Mortgage, a division of United American Mortgage Corp., NMLS #1942 · NMLS Consumer Access · Jeb Smith, Real Estate Broker, Real Broker, CA DRE #01407449
Not licensed in all states — see where we lend. Not an offer to lend or a commitment to extend credit; all loans subject to application, credit approval, and underwriting. Educational content only, not financial or legal advice.