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?

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Waiting to buy a home could be costing you more than you think. While most buyers focus on mortgage rates, home prices, and monthly payments, very few stop to consider the true financial cost of waiting—and in many cases, it’s significant.

In this episode of The Educated Homebuyer, we break down the real math behind the “buy now vs wait” decision. From steady home price appreciation to competitive market dynamics, even modest increases in value can add up to thousands of dollars over time. And while many buyers are holding out for lower interest rates, the reality is you don’t control both price and rate at the same time.

If you're a first-time homebuyer or planning to purchase in today’s housing market, this episode will help you better understand affordability, timing, and how to make a confident decision based on your personal situation—not headlines.

In this episode, we cover:

• The hidden cost of waiting to buy a home
• How home price appreciation impacts your buying power
• Why timing the market is nearly impossible
• The relationship between mortgage rates and home prices
• How to decide if now is the right time for you to buy

Whether you're debating buying your first home or making your next move, this episode gives you the clarity you need to move forward with confidence.

✅ Ready to become a homeowner? Start your stress-free journey today:
theeducatedhomebuyer.com/start

📩 Have questions about your situation? Connect with our team:
theeducatedhomebuyer.com/start

The FED just sent a warning that most people are completely missing and it could have a direct impact on the housing market. With inflation not cooling as fast as expected, rates staying higher for longer, and uncertainty rising from global events, the path forward just got a lot more complicated for homebuyers. In this video, we break down exactly what the FED said, what it really means for mortgage rates, and whether you should be buying now or waiting as the housing market shifts.

• Start your stress-free loan journey today
• FREE Home Buying Workshop
• Join Rate Watch – we’ll watch rates for you
• Email: info@theeducatedhomebuyer.com

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Connect with Us 👇

Jeb SmithHuntington Beach Realtor / Orange County Real Estate
DRE #01407449
Real Broker

Josh Lewis
Huntington Beach Certified Mortgage Expert
DRE #01209148
Buywise Mortgage
Mobile: 714-916-5727