Yes! You Can Buy a Home with Keith Goeringer

 In this episode of the Yes You Can Buy a Home podcast, host Keith Garinger sits down with San Antonio real estate sensation Trenton Miller. Trenton shares his incredible journey from a small-town 18-year-old realtor to a viral content creator with millions of views on TikTok and Instagram.The duo dives deep into the current San Antonio market, explaining why new construction has become a "no-brainer" for first-time buyers due to massive builder incentives and interest rate buy-downs. Whether you are a veteran looking to leverage a $0-down VA loan or an aspiring investor wanting to turn your first home into a long-term wealth builder, this episode provides the blueprint for getting started in today’s fast-moving market.Key Takeaways•The "Speed Tour" Success: How Trenton pivoted from educational whiteboard videos to viral "one-take" speed tours that garnered 3 million views per post.•Building Wealth Early: Why Trenton chose real estate over stocks or traditional 9-to-5 jobs to build multi-generational wealth.•The New Build Advantage: Understanding how builders are "giving everything in the kitchen sink," including covering closing costs, providing appliances, and buying down interest rates to as low as 3.99%.•Real Estate as a Savings Account: Why your first home doesn't have to be your "forever home" and how to use it as a stepping stone to build equity for the future.•Military City USA: Insights into buying in San Antonio, a hub for military members where VA loans can result in getting into a brand-new home for $0 down.Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

In this episode, we sit down with Josh Tessier of the Lee Tessier Team, one of the largest and most respected real estate teams in Maryland, for a deep, no-fluff conversation about what it really takes to succeed in real estate—especially in today’s shifting market.Josh shares his journey into real estate, starting in 2011 during a buyer’s market, coming off the 2008 housing crash, and how he grew from a reluctant new agent into a sales leader helping close hundreds of homes per year. We dive into the evolution of the Maryland real estate market, from short sales and foreclosures to today’s mixed buyer-seller landscape, rising price points, and changing consumer behavior.How top real estate teams scale and sustain long-term successWhy relationships, repeat business, and referrals still outperform flashy tacticsThe importance of role-play, training, and mastering real conversationsWhat’s actually working in real estate marketing today (and what’s not)Hyper-local content, community involvement, and SEO strategies that convertNegotiation strategies that protect clients and prevent deals from falling apartWhy many agents aren’t selling homes—and how to avoid becoming one of themHow AI, social media, and consumer expectations are reshaping the industryJosh also breaks down how his team uses community events, giveaways, marketing systems, and operational discipline to stand out—without chasing trends that don’t convert. Whether you’re a real estate agent, loan officer, team leader, or someone interested in buying or selling a home in Maryland, this conversation is packed with real-world insight you can actually use.If you care about real estate growth, leadership, marketing, negotiation, and building a business that lasts, this episode is a must-listen.Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

Is now a good time to buy a home in Baltimore? In this episode of Yes, You Can Buy a Home, Keith sits down with top Baltimore real estate agent John Crisafulli of Remax First Choice to break down what’s really happening in today’s housing market—and what buyers and homeowners need to know heading into 2026.John shares his personal journey from a struggling 22-year-old searching for stability to becoming a top-producing real estate advisor who has helped hundreds of families buy, sell, and build long-term wealth through real estate. Together, they dive into why real estate remains one of the most powerful wealth-building tools and how homeowners are using equity to improve cash flow, pay off debt, and move into better homes.In this episode, you’ll learn:The current Baltimore real estate market outlook and why inventory still mattersWhy today’s market feels more like 2019—not the COVID frenzyHow move-up buyers are using home equity to eliminate debt and increase financial freedomWhy first-time buyers are waiting longer—and how they can still winWhat interest rates, pricing, and buyer demand could look like in 2026Where buyers can still find opportunities, including seller concessions and closing cost helpThis conversation is packed with real-world insight for home buyers, homeowners, investors, and anyone wondering if now is the right time to make a move. If you’re in Baltimore—or watching the market closely—this episode will help you make smarter, more confident real estate decisions.Connect with John Crisafulli  -  https://www.instagram.com/jcrisafulli_/[email protected](410) 980-2218🎧 Tune in and remember: Yes, you can buy a home.Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

Most homeowners don’t realize they’re making the most expensive upgrade mistake until it’s too late. After 24 years in lending and thousands of buyer walkthroughs, Keith breaks down the upgrades that increase home value, the ones that shrink your equity, and the one thing you must fix before touching anything else. If you want clear, simple guidance for smart home improvements, this episode gives you the playbook.What You’ll Learn• The single mistake almost every homeowner makes before upgrading • Why your taste and buyer taste almost never match • Which upgrades pull buyers in—and which ones send them running • The first fix you must make before any remodel • What to avoid if you plan to sell within ten years • The upgrades that reliably increase home value • How to think about your home like a buyer, not an ownerKey Points from the EpisodeAt the start of the episode, Keith shares how most homeowners unknowingly drain their future equity by focusing on the wrong improvements. He explains how upgrading based on personal taste—like blue cabinets or themed bathrooms—often leads buyers to see a “full renovation project” instead of an improved home.Keith reveals the turning point from his 24 years in lending: there are two versions of every home—the one you love and the one a buyer will pay for. When homeowners understand this, they avoid costly mistakes and focus on upgrades buyers reward.From there, the episode breaks down the upgrades that hurt value, including solar, mismatched styles, full-concrete yards, and personal design choices. He then gives the upgrades that always pay off: curb appeal, landscaping, engineered wood flooring, and price-appropriate appliance updates.If you want help deciding which upgrades fit your home and price point, reach out to Keith directly.Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

After 23 years in the mortgage business, Keith reveals the brutal truth about real estate agents — and how to tell the pros from the pretenders before you waste your time.You'll Discover:• Why 48% of real estate inquiries get completely ignored (and what this means for your home search)• The shocking response time stats that explain why good houses disappear so fast• Six traits that separate real professionals from everyone else — based on interviews with 20 past clients• Keith's "Three-Question Pro Realtor Test" you can use on your next agent call• Why 82% of top agents' business comes from referrals (and what that tells you about quality)• The difference between agents who show houses and agents who protect investments• Only 9% of real estate brokerages respond within 5 minutes — but leads contacted that fast are 21x more likely to convert• 42% of top agents' business comes from repeat clients and referrals• 92% of consumers trust recommendations from friends and family above all other advertising• Real pros don't just agree with you — they challenge your decisions with factsThe Money Quote:"The right team doesn't just help you buy a house. They help you win."Ready to Work With Real Professionals? Call or text Keith directly at 615-955-0461 for help connecting with top agents in your market and building a mortgage strategy that makes your offers stand out.Next Week: "The 3 Mortgage Mistakes That Kill Deals in the Final Week" — Even experienced buyers mess this up.Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

A THDA loan can be a great tool for first-time buyers — until it suddenly isn’t.In this episode, Keith shares a real story of a loan that died just two days before closing when an unexpected Verizon collection dropped a buyer’s credit score from 640 to 621. You’ll learn why THDA re-pulls credit at the last minute, how that can derail even strong borrowers, and why lender-backed down payment programs may soon replace local government ones.If you’re a Realtor or a homebuyer considering THDA or any DPA program, this episode could save you a lot of stress.•What THDA loans are and how they work•Why THDA re-pulls credit right before closing•Real story: a 640 score drops to 621, killing a deal•Why even one small collection can ruin financing•How lender-backed DPAs are replacing government ones•Why saving 3–3.5% down might be smarter than rushing in•What loan officers and agents can do to protect clientsIf you’re sitting at a 640 or 641 credit score, you’re walking a tightrope. When THDA re-pulls credit — and they will — any small change can sink your deal.Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

“Don’t Panic — That Mortgage Letter Might Be Fake”“Paper Phishing: The New Mortgage Scam Flooding Mailboxes”“Fake Refunds, Fake Escrow Issues, Real Scams”Homeowners across the country are getting hit with a new wave of fake mortgage mail — letters that look official, use your lender’s name, and say things like “urgent escrow issue” or “refund available.”In this episode, Keith breaks down exactly how these scams work, how they use fear to trick you into calling, and what to do when one lands in your mailbox. He also shares real stories from clients who almost got caught — and how to spot the warning signs instantly. If you ever get a suspicious letter, take a photo and text it to Keith — he’ll tell you in seconds if it’s real or fake.  Key Topics Covered:How scammers pull your name and address from public recordsWhy mail that looks “official” is often anything butThe emotional triggers these letters use to make you panicReal examples of fake mail (“Final Notice,” “Escrow Adjustment,” “Refund Available”)What to do when you get one — and what not to doWhy even your loan servicer isn’t always trustworthyHow Keith personally helps clients verify suspicious mail Quotes to Highlight:“These scams work because people love their homes and fear something might be wrong with them. That emotional trigger gets them to pick up the phone before thinking.”“You worked way too hard for your home to lose sleep over junk mail.” Resources Mentioned:Example scam mailers (in show notes)Keith’s text line for verificationBlog version of this episode: referralboss.co/fake-mortgage-mail-scamSchedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

Buying a home doesn’t have to feel like navigating a maze blindfolded. Hosted by Keith Goeringer, a 23-year mortgage veteran, The Smart Homebuyer Podcast reveals the insider strategies, hidden pitfalls, and practical steps that save buyers money and stress. Each episode blends storytelling, market insight, and simple takeaways you can use right now—whether you’re a first-time buyer or planning your next move-up home.Keith and his team are one of the top purchase mortgage groups in America, ready to help you find and finance your dream home the right way. Call or text Keith at (615) 955-0461  Email: [email protected] Zillow is showing you every home for sale? Think again.In this episode of The Smart Homebuyer Podcast, Keith Goeringer pulls back the curtain on popular home search websites and explains what they don’t want you to know. From missing listings to hidden seller data to overpriced “Premier Agent” programs, Keith breaks down how to use Zillow, Homes.com, and other platforms without falling into their traps.What you’ll learn in this episode:Why Zillow is missing thousands of listings right now.How Homes.com reveals data that can give you major negotiating power.The hidden costs of clicking “Contact Agent” on search portals.Keith’s 5 simple rules for staying sane during a home search.How to protect yourself from flashy marketing tricks and buy smarter.If you’re planning to buy a home, this episode could save you thousands—and keep you from wasting time chasing the wrong properties.Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

Most people think the new Big Beautiful Bill is just politics. But for families and business owners, it’s a game-changer: four years of stable tax rules.In this episode, Keith breaks down what the bill really means — and how clients are using it to protect wealth, save on taxes, and plan confidently. You’ll hear how:A family earning $180k is using stability to plan Roth conversions without fearA contractor wiped out $100k of taxable income using bonus depreciationA bakery owner saved thousands thanks to the QBI deductionA retiree turned $425k of savings into a tax-free futureAnd why a “4% return” isn’t really 4% after taxesThis isn’t tax theory — it’s real strategies, made simple.What You’ll Learn in This Episode:Why the Big Beautiful Bill’s “permanent” tax brackets give you a rare 4-year planning windowHow bonus depreciation lets business owners deduct big purchases all at onceWhat the QBI deduction really means and who qualifiesHow Roth conversions work (with a client example you’ll actually understand)The difference between a return on paper and an after-tax reality — and how one family saved $800k by plugging the leakKey Quotes:“Permanent doesn’t mean forever. In tax law, it means ‘until somebody changes it.’ But right now, we finally have clarity — and clarity is gold.”“It’s like paying all your tolls before a road trip. You deal with it now, and you never stop again.”“A 4% return isn’t really 4% if the IRS is taking a bite every single year.”Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

Think FHA loans are only for broke buyers? That myth is costing families thousands of dollars when they move to Middle Tennessee.In this episode, I break down why FHA often beats conventional if you’re under a 720 credit score and putting less than 10% down. You’ll learn how FHA’s lower rates usually cancel out the upfront funding fee, why a 3.5% down payment is often all you need, and how to use FHA to house-hack your way into Nashville, Franklin, or Murfreesboro real estate.After 23 years licensed in Tennessee, I’ve seen it all — and I’ll show you the simple math that most lenders and “Uncle Bob” don’t talk about. By the end, you’ll know whether FHA could be your golden ticket to Tennessee living. Ready to run the numbers for yourself? Call or text me directly at 615.955.0461 — I answer 7 days a week.The biggest FHA myth that keeps buyers stuckWhy FHA usually wins under 720 credit + <10% downHow lower rates often wash out the upfront feeThe Middle Tennessee house-hack play (duplex strategy)When conventional actually makes more senseWhy moving to TN gives you more buying power — but why you shouldn’t get house-poorSchedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

Most mortgage files don’t collapse because of rates or credit scores—they die because of hidden landmines and a broken 30-year-old process. In this episode, Keith pulls back the curtain on the biggest flaw in the mortgage industry, reveals an experiment that merged the roles of LOA and processor, and shows how AI is completely reshaping the way loans are done.If you’ve ever wondered why deals blow up at the 11th hour—and how to finally stop it—this episode is your blueprint. The #1 reason loan officers and processors are constantly in conflictThe two hidden landmines that cause most loans to fail (undisclosed properties & businesses)How a hybrid LOA/Processor role can eliminate handoff chaosWhy AI is the “silent processor” that never sleeps—and how it cut a 200-page tax return review down to hours instead of daysWhat full underwriting upfront really means (and why it’s the only way to avoid last-minute disasters)Key Takeaway: The old way of doing loans is broken. The future belongs to lenders who merge roles, leverage AI, and get underwriting right at the start. If you’re tired of deals blowing up at the last minute, DM Keith to see how this new system works in real life.Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

Every time you search for a home online, your data is being tracked and sold—unless you know how to stop it. In this episode, Keith pulls back the curtain on how home search platforms really work, why you're getting spammed, and what to do instead. From incognito mode to AI-powered search systems, you'll learn exactly how to protect your privacy and still find your dream home. Show Notes (for blog, YouTube description, or podcast page)Why sites like Zillow, Redfin, and Realtor.com are tracking your every clickHow to use Incognito Mode to search without getting locked out or spammedWhy you should never opt in unless you really want to be contactedHow to track and organize listings without relying on third-party platformsThe truth about IDX sites (and why nobody actually uses them)A sneak peek into the AI-powered future of home searchingPlus: Keith shares a step-by-step playbook to take back your privacy while still using the best tools in the industry.If you're tired of spam calls and sales traps—or you're just a smarter buyer—this episode is your new blueprint.Need help building a private, AI-powered search system?Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

Everyone's hyping up AI like it's the answer to everything—including how to buy a home. But here's the truth: ChatGPT is handing out outdated, generic advice with total confidence—and it's leading homebuyers straight into financial landmines.In this episode, I break down the real risks of using AI during the mortgage process—from bad rate lock timing to totally made-up lender recommendations. I’ll share a real client story that’ll make you rethink trusting a robot with your money—and I’ll give you the exact steps to protect yourself from making costly decisions.Whether you're thinking about buying a home now or later, this one could save you thousands.What You’ll Learn in This Episode:Why ChatGPT is confidently wrong about how to buy a homeThe hidden cost of waiting to lock your mortgage rateA real-life client story where AI advice backfired—big timeWhat “AI hallucination” means and how it affects your mortgageWhy big-name lenders keep showing up in AI answers (and why that’s a red flag)The smarter way to compare lenders and protect your loanWhat to ask your loan officer to make sure you don’t get burnedMentioned in the Episode:Want real answers from licensed pros? Text or call 615-955-0461Share this episode with someone who thinks ChatGPT knows mortgagesFollow the podcast for more straight talk that saves you money and timeSchedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

Feeling lost in the homebuying process? You’re not alone. In this episode, Keith breaks down the exact 10-step roadmap every smart homebuyer should follow — from pre-approval to closing day. Whether you’re a first-time buyer or haven’t purchased in years, this episode will show you how to avoid the biggest mistakes buyers make (and how to close like a pro). Plus, you’ll get access to the free downloadable Homebuying Roadmap. Let’s get you from overwhelmed to confident. Grab the free roadmap Show Notes:In This Episode, You'll Learn: Why pre-approval isn't optional — it's the first move  How to choose the right realtor (and avoid common traps)  Why you should never skip checking comps before making an offer  The truth about appraisals, insurance quotes, and other deal killers  How to keep your transaction on track by being the MVP of your team The 10-Step Homebuying Game Plan:Get Pre-ApprovedDon’t shop before you’re approved. Even lenders get pre-approved.Choose the Right Realtor Not Cousin Alice. Pick someone who fits your goals and price point.Shop Smart Ask for comps. Don’t overpay without proof.Understand the Contract Know your contingencies and timelines. Don’t just e-sign blindly.Send the Contract to Your Lender Don’t assume anyone else will. Confirm they received it.Order the Appraisal Immediately Delays = deal killers. Mold, code issues, etc. pop up here.Get an Insurance Quote ASAP Insurance premiums impact your loan. Get it Day 1.Schedule Inspections Quickly Don’t lose time or leverage by waiting.Push for Underwriting Within 5 Days Pre-approval is a guess. Underwriting is the real deal.Stay Available and Engaged Communicate like your keys depend on it — because they do. Free Resource:Download the First-Time Homebuyer Roadmap Everything from this episode, simplified into a printable checklist.Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

In this episode of Yes, You Can Buy a Home, I share the true story of how my first home purchase nearly fell apart — and the 7 steps I now teach every buyer to make sure it never happens to them.If you’re feeling overwhelmed, unsure where to start, or don’t know who to trust in this process… this episode is your roadmap. What you’ll learn: – What really matters in a pre-approval – Why picking the right lender and agent could save your deal – How to avoid emotional (and expensive) mistakes – The real reason most buyers feel blindsided during escrowYou don’t have to figure this out alone — and yes, you can buy a home. SHOW NOTES (Podcast Platform Friendly)In This Episode: I’m sharing the painful truth about how I almost lost my first home — and what I learned from it. This story changed the way I approach home loans forever… and could save your deal, too.You’ll Learn:  The difference between a “fast” pre-approval and a real one  The 7 steps every buyer should take (before, during, and after home shopping)  What to ask your lender, agent, and yourself before writing an offer  What not to do during escrow if you want to close on timeGrab the Free Checklist:  Are You Really Ready to Buy a Home? Get Started Here:   http://keithgo.comNext Episode Preview:  Fixed vs. Adjustable Rates vs. Buydowns — what’s the difference, and which one’s best for YOU? Don’t miss it — hit Subscribe now.Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

Are you planning to buy a home in 2025 or beyond? In this episode of Yes! You Can Buy a Home, mortgage and real estate expert Keith Goeringer reveals the three biggest credit score changes coming in 2025 that could make or break your homebuying journey. From the impact of "buy now, pay later" loans to the removal of medical debt from credit reports, Keith breaks down how these changes could affect your mortgage approval and buying power. Whether you're a first-time homebuyer or looking to upgrade, this episode is packed with expert tips to help you prepare now and turn these changes into opportunities. Don’t wait until it’s too late—tune in to learn how to protect your credit and get one step closer to owning your dream home!In this episode of Yes! You Can Buy a Home, Keith Goeringer dives into the biggest credit score changes in over two decades and what they mean for homebuyers. Here’s what you’ll learn:Buy Now, Pay Later Loans on Credit ReportsHow these loans will now impact your credit score and debt-to-income ratio.Why timely payments could help—or hurt—your score.Tips to manage these loans responsibly.Medical Debt Disappearing from Credit ReportsStarting in 2025, medical debt won’t appear on credit reports.How this could boost your score by 20+ points and increase mortgage approvals.Why the debt isn’t erased—just hidden from lenders.The Mortgage Credit Score OverhaulFannie Mae and Freddie Mac are switching to a new credit scoring model (VantageScore 4.0 and FICO 10T).What this means for your mortgage approval chances.Why some borrowers could see higher scores—and others might face challenges.Keith also shares actionable steps to prepare for these changes, including:How to check your credit score accurately.Why you should treat "buy now, pay later" loans like credit cards.How to stay informed and turn these changes into opportunities.Subscribe to Yes! You Can Buy a Home for weekly expert advice on buying your dream home. Share this episode with anyone who needs to know about these credit changes—it could save their homebuying journey!Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

"Yes, You Can Buy a Home" Podcast – Episode-9Ready to finally lock in your dream home at a price you can afford? In this episode, host Keith Goeringer – a mortgage and real estate expert with 23 years of experience – reveals the game-changing strategies you need to secure the lowest mortgage rates we've seen in four years.But there’s a catch: As rates continue to improve, a buying frenzy is likely to hit, and if you wait too long, you could miss out on the best deals.Discover two powerful strategies to lock in your rate before the crowd catches on:Permanent Buy-Downs – Secure a lower rate for the life of your loan.Temporary Buy-Downs – Enjoy reduced payments for the first 1-3 years while waiting for an ideal refinancing opportunity.Plus, Keith shares real-life stories of buyers who turned the tables in their favor and how you can avoid getting stuck in a competitive bidding war.Hit ‘Subscribe’ and get ready to navigate this market like a pro.This episode is packed with actionable tips and insights you won’t find anywhere else. Tune in now and learn how to secure your dream home at the right price, at the right time. Subscribe to the Yes, You Can Buy a Home podcast for more expert tips, strategies, and insider knowledge.Share this episode with friends or family who are considering buying a home.Connect with Keith on social media for more updates and exclusive content.Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

In this eye-opening episode of Yes, You Can Buy a Home, Keith Goeringer is joined by JT Thomas from Solutions Group Accounting Firm. Together, they break down the essential differences between CPAs and tax preparers—and why relying on the wrong professional could cost you tens of thousands of dollars. Whether you’re a first-time homebuyer, a seasoned property investor, or a business owner, this episode will teach you how the right team can save you time, money, and stress. Key Takeaways:Why communication is the #1 issue clients face with accounting firms.How JT and his team saved a client over $50,000 through cost segregation.The shocking truth about tax preparers—no formal education required!Why a CPA is worth their weight in gold for proactive tax planning.The dangers of social media tax advice and how to filter the facts.What You’ll Learn in This Episode: How to Spot the Right CPAUnderstand what makes a CPA different from a tax preparer, and why a CPA’s expertise can directly impact your financial success. The Importance of a TeamKeith and JT discuss why having trusted experts like CPAs, mortgage lenders, and financial advisors on your team is crucial to managing your finances effectively. Cost Segregation ExplainedLearn how this powerful tax strategy can dramatically reduce your tax bill—and why most people have never heard of it. The Pitfalls of Social Media Tax AdviceDiscover why viral tax tips can often mislead you, and how to protect yourself by seeking advice from qualified professionals.Quotes from the Episode:“A good CPA is worth their weight in gold—they don’t just file taxes; they help you save thousands.”“You wouldn’t go to a personal injury lawyer for a business contract. So why trust a tax preparer for complex tax strategies?”“The $50,000 we saved was life-changing for me—and none of my previous CPAs even brought it up.”Resources Mentioned:Solutions Group Accounting – Get in touch with JT Thomas and his team.Contact JT directly: [email protected] with Keith:Website: keithgo.comInstagram: @keithgoeringerFacebook: Keith Goeringer MortgageSubscribe & Review:Love what you’re hearing? Subscribe to Yes, You Can Buy a Home and leave us a review to help us reach more people with expert advice on mortgages, real estate, and financial success!Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

Buying land and building a custom home sounds like a dream, but let’s be honest—it’s usually a logistical and financial nightmare. In this episode, I sit down with Vanessa, a powerhouse in the world of custom home building, who’s completely redefined the process.Forget construction loans, endless due diligence, and the stress of managing contractors. Vanessa shares how her team at Dalamar Homes does all the heavy lifting—from finding and purchasing the perfect piece of land to designing and building your dream home—all rolled into one streamlined, fixed-price package.We dive into:   •   Why the old way of building is broken and how Vanessa’s process fixes it.   •   The time and money-saving benefits of this approach (think no hidden fees, no surprises, and lower insurance costs).   •   How Dalamar Homes turns what’s usually a headache into an exciting, fun, and totally stress-free experience.Whether you’ve been dreaming of building your custom home or just want to understand how to avoid the traps of the traditional land-and-build process, this episode is for you.Spoiler alert: You don’t need a construction loan, a land loan, or a ton of extra patience. You just need Vanessa and her team.Take the first step toward your dream home—hit play now.Let me know if you’d like tweaks! This description matches your voice while keeping it engaging and focused.Vannessa [email protected]@vmyersrealtorSchedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

In this inspiring episode of Building Dreams, One Home at a Time, Keith Goeringer sits down with Jessica Webster, a passionate real estate agent and educator who is transforming lives through homeownership. Jessica shares her heartfelt journey into real estate, the challenges she overcame, and her mission to empower first-time homebuyers. From the generational wealth her father built to her unique approach of blending authenticity and education, Jessica offers invaluable insights for anyone dreaming of owning a home.Discover how Jessica helps clients turn fear into confidence, why having a game plan is crucial, and the power of starting small to build a brighter future. Whether you’re buying your first home or looking to grow your real estate knowledge, this episode will leave you motivated and informed.Tune in to hear Jessica’s story and learn how to make your homeownership dreams a reality!Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

In this episode, mortgage industry veteran Keith Goeringer sits down with Mark Leusner from Change Wholesale to explore innovative non-QM lending solutions. Mark shares insights into Change Wholesale's unique programs that can help qualify borrowers who fall outside of traditional mortgage guidelines. Learn about alternative documentation methods using bank statements, one-year tax returns, and even no-income-required options.Discover how products like DSCR (Debt Service Coverage Ratio) loans and the CDFI (Community Development Financial Institution) program can provide competitive advantages for your clients. Keith and Mark dive deep into the details of these specialized lending products and discuss how they can unlock homeownership for a wider range of borrowers.If you're looking to expand your toolkit and better serve clients with non-traditional income or credit profiles, this episode is a must-listen. Gain the knowledge and confidence to explore alternative lending solutions that can make the dream of homeownership a reality.Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

Buying a home? Don’t let online mortgage platforms derail your dreams. In today’s episode, we’re exposing the 3 biggest mistakes buyers make with online lenders—and how working with a trusted local broker can save you time, money, and stressIn this episode, Keith Goeringer pulls back the curtain on the hidden pitfalls of online mortgage companies. From bait-and-switch rates to endless spam calls and rigid loan systems, Keith shares the three biggest mistakes homebuyers make—and how to avoid them. Whether you’re buying your first home or your fifth, this episode is packed with practical advice to help you navigate the mortgage process with confidence and save thousands along the way.Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

Learn how to make your mortgage process stress-free by mastering your documents! In this episode of Yes! You Can Buy a Home, Keith Goeringer and Jackson Dale reveal the secrets behind seamless loan approvals. Discover:The role of underwriters and why your documents are crucial.How to avoid common mistakes that delay approvals.Pro tips for preparing flawless pay stubs, tax returns, and bank statements.Why "ICE" (Income, Credit, Equity) matters to lenders.Whether you're a first-time homebuyer or a seasoned property investor, these insights will save you time, money, and headaches. Tune in now to streamline your loan process and become a pro at presenting your financials!Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

Welcome to the Yes, You Can Buy a Home podcast, hosted by Keith Goeringer, a seasoned expert with 23 years of experience in the mortgage and real estate industries. Whether you're a first-time homebuyer or navigating the process again, this podcast is your go-to resource for making homeownership easy and achievable.Join Keith and his expert guests as they break down everything you need to know, from understanding your monthly payment (PITI) to mastering the pre-approval process. Each episode is packed with practical tips, common-sense advice, and insider secrets to help you avoid pitfalls, set realistic expectations, and find the home of your dreams.Say goodbye to confusion and overwhelm—because yes, you can buy a home!IntroductionKeith introduces the Yes, You Can Buy a Home podcast, sharing his experience in real estate and mortgages. He highlights the goal of the episode: simplifying the home-buying process.Breaking Down PITIKeith and Lori discuss the key components of a mortgage payment:Principal, Interest, Taxes, and Insurance (PITI).Additional factors like mortgage insurance, HOA fees, and flood insurance.The Importance of Pre-ApprovalThe duo emphasizes why pre-approval should be the first step in the home-buying process:Setting realistic expectations.Avoiding disappointment when shopping for homes.Setting Your Budget and ThresholdKeith explains how to balance affordability with comfort:Understanding debt-to-income (DTI) ratios.How credit scores impact borrowing power.Custom Home Searches vs. ZillowLori breaks down why relying on experts for a custom home search is more effective than using platforms like Zillow:The human touch in finding homes.Pitfalls of automated systems.Interest Rates and Loan OptionsKeith highlights the variability of interest rates and why flexibility in lenders can benefit buyers:The importance of rate locks.Adapting to changing market conditions.Recap and Final ThoughtsThe episode wraps up with a summary of key takeaways:Start with pre-approval.Build a trusted team of professionals.Stay informed to avoid common home-buying pitfalls.Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

In this episode of the "Yes, You Can Buy a Home" podcast, we discuss proven strategies to improve your credit score to buy a home. Host Keith Goeringer shares insights from years of experience and numerous courses to help you understand and boost your credit score.Key Points Covered:Introduction and Personal Story:Host shares a personal story about buying multiple courses to learn about improving credit scores.Understanding the importance of credit scores when buying a home.2. Understanding Credit Scores:Explanation of how credit scores are determined.Factors that influence your credit score: payment history, credit utilization, length of credit history, new credit, and credit mix.3. Misconceptions and Tools:Addressing common misconceptions about credit scores.Importance of monitoring your credit score.4. Using MyFICO:Recommendation to use MyFICO.com for accurate FICO scores.Benefits of MyFICO: comprehensive credit view and monitoring changes.5. Boost Accounts:Setting up boost accounts with:Experian Boost: Experian BoosteCredable Lift: eCredable LiftSelf Financial: Self FinancialHow these services can help improve your credit score by reporting on-time payments.6. Credit Rent Boost:Using CreditRentBoost.com to add rent payments to your credit report.Benefits of reporting rent payments.7. Authorized User:Becoming an authorized user on someone else’s credit card to boost your score.How this strategy works.8. Managing Revolving Credit Card Debt:Keeping credit card balances between 10% and 25% of your limit.Importance of responsible credit usage.9. Avoiding Late Payments:Making timely payments to avoid negative impacts on your credit score.Setting up reminders or automatic payments.10. Creditor Reporting:Finding out when creditors report to credit bureaus.Keeping a record of these dates to monitor changes.11. Secured Credit Cards:Setting up secured credit cards like Chime.Managing balances to build your credit score.12. Handling Collections:Strategic approach to dealing with collections.Requesting pay-for-deletion letters.13. Mortgage Credit Report:Informing your mortgage professional when your score reaches 600-640.Understanding the middle score of the three bureaus for mortgage eligibility.Resources and Links:MyFICO: MyFICOExperian Boost: Experian BoosteCredable Lift: eCredable LiftSelf Financial: Self FinancialCreditRentBoost: CreditRentBoostChime: Chime Secured Credit CardCall to Action:If you have any questions or need further assistance, feel free to reach out. Follow us on social media for more tips and updates. Have a great day!Contact Information:Email:[email protected] Media:   https://www.facebook.com/KeithEGoeringerhttps://www.youtube.com/@KeithGoerinSchedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]