Yes! You Can Buy a Home with Keith Goeringer

The mortgage payment you qualify for is not always the payment you should choose.In this episode, I break down how I look at debt-to-income ratio, why your maximum approval should not become your budget, and how I help buyers find a payment they feel comfortable living with.We talk about target payment, comfortable payment, maximum payment, student loans, credit-card debt, cash reserves, and why putting more money down is not always the smartest move.The goal is simple.Buy the house without becoming house poor.Show NotesA lender might approve you for a $4,000 payment.That does not mean $4,000 should become your budget.In this episode, I explain the three payment numbers I want every buyer to know before they start shopping:Your target payment.Your comfortable payment.Your maximum qualifying payment.I also break down why debt-to-income ratio matters, what starts to concern me when DTI gets higher, and why I want to look at your complete financial picture before deciding how much house makes sense.We cover:-How lenders calculate DTI-Why qualifying income is different from the income you think you make-Why student loans create so much confusion-Why I ask buyers to send me actual houses instead of using generic payment estimates-How taxes, insurance, and HOA fees change the real monthly payment-Why credit-card debt is creating problems for buyers-Why paying off debt might help more than putting extra money down-Why I like buyers to keep cash reserves after closing-Why your first house does not need to be your dream house-How I think about homeownership, retirement, and long-term wealth-After more than two decades in mortgages, I have learned one thing over and over:-The biggest mortgage you qualify for is not the goal.-The goal is finding the payment that lets you own the house, keep saving, build wealth, and still sleep at night. Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

You just bought a house. Congratulations.Now brace yourself—the scam letters are coming.Some look like ads. Easy to spot.But others? They look like BILLS. Official logos. Your exact purchase price. County records. Property ID numbers. Payment coupons. Even a spot to write in your credit card info.And that's where homeowners get absolutely nailed.In this episode, I'm walking you through what happened when one of my clients almost handed over $98 (and their credit card details) for something they already owned... and how one quick text saved them from getting scammed.I'll show you how scammers use public records to make their letters look legit, what red-flag phrases to watch for, why your information isn't as private as you think, and the one dead-simple rule that could save you thousands.Plus—I'm diving into email phishing scams, fake Zoom links, and why you need a family safe word in the age of AI.If you own a house (or you're about to), this might be the most important episode you listen to all year.Text me a picture. I'll help you figure it out.SHOW NOTES:Episode: How Scammers Use Public Records To Trick HomeownersWhat We Cover:The $98 scam letter that looked 100% legit (and almost fooled ME)How scammers get your name, address, purchase price, loan amount, and moreWhy "official-looking" doesn't mean "official"The psychological trick that makes these letters so damn effectiveRed-flag phrases to look for: "This is a solicitation," "Not affiliated with your lender," "Not affiliated with any government agency"How public your information really is (spoiler: it's ALL out there)The one rule that stops scams cold: Text me a picture BEFORE you payWhat types of mail to expect after closing (and which ones to question)How to verify suspicious letters WITHOUT using the contact info they provideWhy your mortgage servicer keeps trying to get you to refinance (and why you probably shouldn't)Email phishing scams that are getting scary goodFake Zoom links targeting realtors and homeownersWhy you need a family safe word in the age of AI deepfakesThe Bottom Line:When you buy a house, almost ALL of your information becomes public record.Scammers use that to send letters, emails, and links that look like they're from your county, your lender, or some official agency.They're not.Before you pay ANYTHING, verify it. And if you're one of my clients? Text me the picture.I'd rather get a "Is this fake?" text than an "I already paid this" text.Resources Mentioned:Your county clerk's office (for FREE copies of deeds and property records)Your mortgage servicer (use the contact info from your official statement, NOT random letters)Your insurance agent (for any insurance-related questions)Property Radar (the tool I use to pull public records—$97/month)SearchPeopleFree.com (to see just how much of your info is already out there)Action Steps:Save my phone number if you're a clientText me a picture of ANY questionable mail, email, or linkLook for red-flag phrases on lettersVerify independently—don't use contact info from suspicious lettersSet up a family safe word for phone/video callsBe suspicious of Zoom links from people you don't know (check the URL carefully)Got a questionable letter, email, or link?Don't guess. Text me a picture. I'll help you figure it out.Subscribe so you don't miss the next episode.Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

If you have not made a student loan payment in years, check your account now.We are seeing borrowers with strong credit suddenly show new student loan late payments because they did not realize their payments had restarted.Some missed an email. Some thought their loans were still deferred. Some had the money to pay, but never knew a payment was due.In this episode, I break down what is happening, why the 90-day mark matters, how the 2026 student loan repayment changes affect borrowers, and why this becomes an even bigger problem if you plan to buy a home.If you have federal student loans, take a few minutes today and check StudentAid.gov.Read the full article and get the details here:https://keithgo.com/blog/student-loan-payments-mortgage-credit-reportShow NotesStudent loan late payments are starting to show up on mortgage credit reports.And in some cases, the borrower had no idea a payment was due.In this episode, Keith explains what borrowers need to know before an overlooked student loan creates a credit or mortgage problem.You’ll learn:Why borrowers who have not paid student loans in years are suddenly seeing payments againHow missed emails and outdated contact information create problemsWhy 90 days late matters for your credit reportWhat generally happens at 270 days delinquentWhy student loan delinquencies have increasedWhat changed when the SAVE plan ended in March 2026What RAP and the Tiered Standard Plan mean for borrowersWhat to check inside StudentAid.gov todayWhy your student loan payment affects mortgage qualificationWhy you should be careful before refinancing federal loans into private loansWhat to do if you plan to buy a home in the next 12 to 24 monthsIf you have not checked your student loans recently, do it before a late payment forces you to deal with the problem.Read the full article:https://keithgo.com/blog/student-loan-payments-mortgage-credit-reportNeed help understanding how your student loans affect your mortgage options?Visit:https://keithgo.comSchedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

Most homebuyers get a pre-approval letter. Far fewer get a real strategy before they start making offers.In this episode, I break down what happens during my Pre-Purchase Zoom and why I believe buyers need this conversation before they start seriously shopping for a home.We talk about the mortgage market, interest rates, loan options, monthly payments, closing costs, long-term financial goals, and what happens once you find the right property.The goal is simple. You should understand your options and have a plan before the pressure of making an offer starts.If you are thinking about buying a home and want this kind of hands-on mortgage process, visit: https://keithgo.comNotes:Getting pre-approved and being prepared to buy a home are two different things.A typical mortgage pre-approval might involve an online application, a credit pull, some documents, and a pre-approval letter. My process goes further.In this episode, I explain the Pre-Purchase Zoom I do with my clients before they start seriously making offers.We cover:• Why the mortgage application is only the starting point• The “fill-in-the-blanks” conversation I have before building the mortgage strategy• What is happening in the mortgage market and why rates move• How rate locks work and what happens if rates move higher or lower• How different areas, property taxes, and appreciation affect your purchase• Why your retirement plans, savings, future purchases, and long-term goals matter when choosing a mortgage• How we compare different loan programs, down payments, rates, and closing-cost strategies on screen• Why the lowest interest rate is not always the best mortgage option• How seller-paid closing costs, temporary buydowns, and permanent buydowns work• What makes up your total monthly mortgage payment• What we look at once you find a specific house• How listing history, comparable sales, estimated seller equity, and potential concessions help shape the financing strategy• Why your Realtor and lender should work together when you are preparing an offer• The financial mistakes buyers need to avoid between pre-approval and closing• Why most loan officers do not offer this type of detailed consultationA pre-approval tells you that you qualify.A Pre-Purchase Zoom helps you understand what to do next.If you are planning to buy a home and want to get started, visit: Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

One late payment on a small credit card dropped a homebuyer's mortgage score to 550, low enough to threaten her entire purchase. A few minutes later, she had a qualifying score of 679.Here's the part that surprises people: we didn't remove the late payment, and we didn't run a rapid rescore. We pulled her score using VantageScore 4.0, a different approved model that some conventional lenders can now use. Same borrower, same credit report, same late payment, read a completely different way, and the number came back 129 points higher.In this episode, I break down how that happened, why a gap that large is unusual, and who actually stands to benefit from VantageScore 4.0. I also get into the part most buyers never think about: the lender you pick can decide whether this option is even on the table. When this loan closed, only two of the roughly 180 lenders we work with offered it.You'll also hear how VantageScore handles medical collections, paid collections, rent history, and credit trends differently than the older mortgage FICO models most people are scored on.If someone has told you your credit score is too low to buy a home, one score might not be the whole story.SHOW NOTESIn This EpisodeMy client was already pre-approved for a conventional loan with 10% down and ready to move forward. Then a new 30-day late payment showed up on a small credit card. She called the creditor, they agreed to fix it, and they even sent a letter. The problem was that the letter only addressed the late fee. It said nothing about the late payment they had already reported to the credit bureaus, so her qualifying mortgage score stayed stuck near 550.Instead of waiting on the credit card company, we ordered a VantageScore 4.0 credit report. Her qualifying score came back at 679, and it happened within minutes. Nothing on the underlying report changed. The late payment was still sitting right there. The only thing different was the scoring model we used to read it.What Is VantageScore 4.0?VantageScore 4.0 is a credit scoring model built by a company the three credit bureaus started together: Equifax, Experian, and TransUnion. Like FICO, it runs on a 300 to 850 scale, and it looks at the usual things: payment history, credit card balances, utilization, how old your accounts are, recent activity, collections, and the mix of accounts you carry.Where it gets interesting is trends. VantageScore 4.0 can look back over as much as 24 months of your credit activity, so it can tell whether your balances are climbing, dropping, or holding steady, instead of judging you on a single day's snapshot.Why the Scores Were So DifferentClassic mortgage FICO and VantageScore 4.0 read the same credit bureau data through different formulas. In this case, one model landed near 550 and the other landed at 679. A 129-point gap like that is not typical, and I want to be clear about that. Most borrowers will see a much smaller difference. Some will see almost none. And some will actually score lower on VantageScore. Hers was an unusual result.Who Might Benefit From VantageScore 4.0?This option tends to help borrowers who fall into situations like:- Limited traditional credit history- Rent payments that show up on their credit report- Medical collections- Paid collections- Credit card balances that have been trending down- A recent credit event that the two models weigh very differently- A score sitting just under a loan program's cutoffImportant DifferencesA few things set VantageScore 4.0 apart. It leaves medical collections out of the score calculation entirely, and it does the same with paid collection accounts. It can also factor in reported rent, utility, and phone payments when that information actually appears on your credit report.The catch is availability. Not every lender offers VantageScore 4.0 yet. When this loan closed, only two of the roughly 180 lenders we have access to could use it.What About Credit Karma?Credit Karma and other free monitoring apps usually show you a version of VantageScore, but the number on your phone is not necessarily the one a lender will use. It might be VantageScore 3.0 instead of 4.0, and it might be pulling from just one bureau. Those tools are great for keeping an eye on your credit over time. They are not a mortgage approval.What to Do if a Late Payment AppearsIf a late payment pops up while you're buying, the first move is to call your loan officer before you touch anything. Don't dispute the account online, don't close the card, and don't start moving money or paying accounts down until you've talked through the full loan plan.Then work the creditor side carefully. Contact them, get any agreement in writing, and pin down exactly what they're fixing, because "removing the late fee" and "correcting the late payment reported to the bureaus" are two very different things. Ask for a deletion or correction letter, find out when the update will actually hit each bureau, and ask your loan officer whether a rapid rescore, a different loan structure, or VantageScore 4.0 might be on the table.The Main LessonHer credit report never changed. The late payment stayed right where it was. A different approved scoring model simply read the same file and produced a qualifying score 129 points higher, and that kept her conventional purchase moving.This won't play out the same way for everyone, and I'm not promising it will. But one low score shouldn't automatically end the conversation. Get a second opinion, and ask whether your lender offers VantageScore 4.0. Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

Getting pre-approved is a huge milestone, but it isn't the finish line. It's really just the beginning of the home buying process.One of the biggest misconceptions buyers have is thinking that once they're pre-approved, everything is finished. The truth is, the decisions you make between pre-approval and closing can have a big impact on whether your loan closes smoothly or runs into unnecessary problems.In this episode, I walk you through exactly what happens after you're pre-approved. We'll talk about what a pre-approval really means, why your lender may ask for more documents, what an Offer Ready Review is, and why we schedule a Pre-Purchase Zoom Meeting before you start making offers.I'll also cover some of the biggest mistakes I see buyers make, including changing jobs, financing furniture or vehicles, opening new credit accounts, moving money around, and making late payments.If you're getting ready to buy a home, this episode will help you understand what to expect and how to avoid surprises along the way.Show NotesIn this episode you'll learn:What a mortgage pre-approval really meansWhy pre-approved doesn't mean your loan is fully approvedWhy lenders sometimes ask for additional documentsWhat an Offer Ready Review is and why it helpsHow a Pre-Purchase Zoom Meeting prepares you before you make an offerHow mortgage rates and payment options affect your buying powerWhy understanding appreciation can help you make a better buying decisionThe biggest mistakes buyers make after they're pre-approvedWhy changing jobs can create problems during the loan processWhy financing furniture, cars, or other purchases can affect your approvalHow new credit accounts and large deposits can delay a closingWhy communication with your lender is so important from start to finishKey TakeawaysPre-approval is the beginning of the loan process, not the end.It's normal for your lender to ask for additional documents.Preparing your file early can help reduce stress and avoid delays.Small financial decisions can affect your mortgage approval.Staying in communication with your lender helps keep everything on track.Need Help Buying a Home?If you have questions about buying a home or you'd like help with your mortgage, I'd love the opportunity to help.Visit www.keithgo.com to learn more or schedule a consultation.SubscribeIf you enjoyed this episode, please subscribe to Yes, You Can Buy a Home and leave a review. It helps more buyers find the show, and it allows us to continue creating free content to make the home buying process easier to understand.Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

Are you a move-up buyer tired of having your offers rejected? In today’s competitive real estate market, home sale contingencies have become the number one reason offers are being turned down by sellers. If your equity is trapped in your current home, you might feel like you’re stuck—but on Yes You Can Buy Home, we are here to show you that there is a strategic solution.In this episode, we sit down with bridge loan expert Taylor Cardwell to demystify the process and explain why a bridge loan is the ultimate "vessel" to move properties in today’s economy.What you’ll learn in this episode:The Contingency Trap: Why sellers are increasingly rejecting contingent offers and how you can position yourself as a "cash-ready" buyer to get your offer accepted.Bridge Loan 101: Learn why a bridge loan is actually a two-loan structure that works in tandem with your purchase loan, not against it.The "No-Payment" Advantage: Discover how the bridge loan program allows you to access your home equity without creating a new monthly payment, keeping your debt-to-income (DTI) ratio clean and your qualification easier.Avoid the "Fire Sale": Why rushing to sell your home leads to thousands of dollars in lost profit and how a bridge loan gives you 12 full months of flexibility to move out, clean, stage, and sell for top dollar.Strategic Debt Consolidation: How to use your bridge loan proceeds to pay off high-interest consumer debt, car loans, or credit cards before you buy your next property.TBD Pre-Approvals: Why you should start your underwrite before you find your next house to put yourself in the strongest possible negotiation position.Is this for you? Whether you are a realtor looking to educate your clients, a self-employed borrower worried about tax returns, or a homeowner looking to downsize or upgrade, this conversation breaks down the complex financial strategies you need to thrive in the current market. We discuss everything from FHA/Conventional overlaps to non-QM products, bank statement loans, and asset depletion.Stop worrying about lining up closing dates perfectly or living in a hotel. Learn how to unlock your trapped equity and take control of your next move—because with the right strategy, Yes You Can Buy Home.Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

I sit down with Dianna Thompson a mortgage expert on the new strategies to raise your score. Are you planning to buy a home? Before you pay off old debt, listen to this. In this episode, mortgage experts break down why paying off certain collections can actually hurt your credit score and ruin your chances of getting a mortgage. Learn the dos and don'ts of credit management, the impact of medical debt, and why a "deep dive" with a certified loan officer is the secret to mortgage success.Episode Show NotesIn this episode, we cover:The "Re-aging" Trap: Why paying off old collections can turn a two-year-old debt into a "new" collection and damage your mortgage eligibility.The 30% Rule: Understanding why current credit history is the most important factor in your score.Medical Debt Changes: How recent updates to credit reporting laws for medical collections can help you qualify for a home.The "Hopes and Dreams" Call: Why you need a deep, personalized strategy session with your loan officer before you start looking at houses.Authorized Users & VantageScore: Why traditional credit-boosting tricks like adding an authorized user may no longer work for conventional loans.Expert Advice: Why you should never open new lines of credit, co-sign, or pay off major debts without consulting your mortgage advisor first.AI vs. Human Expertise: Why algorithms and online pre-approvals often fail, and why professional human guidance is essential for non-perfect scenarios.Key Takeaways:Don't make any changes to your credit profile until you speak with a certified mortgage advisor.Keep credit card balances between 10% and 30% of your limit for the best score.A "no" from a big bank doesn't mean a "no" for your home ownership journey. There are thousands of programs available for those who need a personalized path.Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

Think bankruptcy, lower credit, or rental struggles mean you cannot buy a home? In this episode of Yes You Can Buy a Home, Keith talks with Nicole from My Rent Solution about rent-to-own, lease purchase, credit strategy, and new homeownership options for buyers who do not fit the traditional mortgage box yet.What if you were told you could be one day out of a Chapter 7 bankruptcy and still have a path toward homeownership?In this episode of Yes You Can Buy a Home, Keith talks with Nicole from My Rent Solution about a lease purchase and rent-to-own style program designed for buyers who want to own but do not qualify for a traditional mortgage yet.They cover:- How someone with a 580 credit score may still have options- Why renting may be harder to qualify for than buying- How lease purchase programs work- How buyers can use credit strategy to improve their scores- Why rent payments do not build equity- How My Rent Solution helps buyers create a plan- Why bankruptcy does not always mean homeownership is years awayThis episode is for anyone who has been told no by a landlord, lender, or credit report and still wants a real plan to buy a home.Learn more at myrentsolution.com.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, Keith Goeringer sits down with Wendy Green of Green Property Brokers to talk about why waiting to buy a home often costs buyers more than they realize.Wendy shares how she grew up around real estate from a young age, what pulled her into the business, and why she believes homeownership is still one of the strongest long-term wealth moves a person can make.Keith and Wendy also discuss why starting the process does not mean you have to buy today. It means you get informed. You learn your numbers. You understand your options. Then you make a better decision with less stress.If you have been wondering whether now is the right time to buy, this episode will help you think through the decision with more clarity. Keith Goeringer talks with Wendy Green of Green Property Brokers about why the best time to buy a home was five years ago, and why the second-best time may be right now. They discuss homeownership, timing the market, and why getting informed is the first step.Notes:In this episode, Keith Goeringer is joined by Wendy Green of Green Property Brokers.Wendy grew up in the real estate business. Her dad was a real estate investor, and she was exposed to the business from the time she was four years old. That early experience shaped the way she sees homeownership, investing, lifestyle, and long-term financial security.Keith opens the episode with a simple idea:The best time to buy a house was five years ago. The second-best time is right now.That does not mean every person should rush out and buy a home today. It means buyers need to start the process sooner so they have real information instead of guessing.In this episode, Keith and Wendy talk about:• Why waiting to buy often costs more than people think• Why starting the process does not mean committing to buy• How buyers can use information to make better decisions• Why real estate has been such a major part of Wendy’s life• How growing up around investors shaped Wendy’s view of the business• Why homeownership is still one of the most important wealth-building tools• How buyers can reduce fear by understanding their real numbers• Why the right real estate and mortgage team mattersKey Takeaway: You do not have to buy a home today.But you should know what is possible.The worst move is sitting on the sidelines for years, guessing, waiting, and hoping the market gets easier. A better move is to get informed, know your numbers, and make a decision based on facts. Schedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]

A couple Keith worked with about a year ago walked away from their dream home over a $180-a-month gap. The bank said yes. Keith said yes. Nothing about the deal was risky.But the negotiated payment came in a little higher than the number they got pre-approved at — and they froze. Today, that same house has appreciated $25,000 to $30,000 without them. Their rent went up. They're scrolling Zillow at 1 AM. And the guy told Keith last week, word for word: "We should have just done it."In this episode, Keith breaks down why almost every deal ends up at a slightly higher payment than the pre-approval number — and why that's not your fault. He explains a new program where his company is paying for a 1-0 buydown out of their own pocket through June 30th, absorbing that exact gap for free. No seller contribution required. No money out of your pocket. No gimmick.If you've ever been pre-approved at a comfortable payment but worried the actual house you want might push it higher — or you're in a deal right now where the payment is creeping up — this episode is for you.WHAT YOU'LL LEARN:• Why the gap between pre-approval payment and final negotiated payment is normal — and not your fault• The real cost of waiting for rates, prices, or "the perfect market" to fix everything• How a 1-0 buydown works (and why this version is different from anything Keith has seen in 24 years)• How to use the buydown to absorb negotiation surprises without asking the seller to chip in• Why the first year of homeownership is the year that matters most• The five words that could save your deal or get you into a house you didn't think you could affordTHE OFFER:Through June 30th, Keith's company is covering the cost of a 1-0 buydown out of their own pocket on qualifying loans. That means your first year of mortgage payments is calculated as if your rate were one full percentage point lower than what you actually lock in.On a $400,000 home, that's roughly $3,000 to $3,800 in first-year savings — about $250 to $320 a month off your payment for the first twelve months. (Your exact numbers depend on your loan, your credit, and the property.)After year one, your payment becomes what your locked rate was always going to deliver. No balloon. No reset. Just a softer landing in the first year.YOUR NEXT STEP:Reach out and say "Run my two scenarios."Keith will run two sets of numbers side by side — one with a normal payment, one with the free 1-0 buydown — so you can see exactly what changes for you. Real numbers. Your actual situation. No pressure.CONTACT KEITH:📧 Email: [email protected]📱 Instagram DM: [@handle] — message the word "SCENARIOS"🌐 Web: KeithGo.com — hit the button at the topPROGRAM DEADLINE: June 30th. After that, this may be gone.ABOUT THE SHOW:Yes You Can Buy a Home is hosted by Keith Goeringer, a Senior Loan Officer with 24 years of mortgage experience. The show exists for one reason: too many people walk away from the table thinking the answer was no, when the answer was actually yes. Keith helps real buyers see what their numbers actually look like — and gives them permission to say yes when the math works.DISCLAIMER:Loan example numbers used in this episode are for illustration only. Actual loan terms, payment, and savings depend on your specific loan amount, credit profile, property, and program eligibility. NMLS #488023.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, 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/@KeithGoeringerhttps://www.linkedin.com/company/keith-go-lending-team/https://goo.gl/maps/HALJqmWpr7as415s9https://twitter.com/keithgoeringerSchedule your free consultation- http://schedulewithkeithgo.com  Send me a message - [email protected]