Yes! You Can Buy a Home with Keith Goeringer

The worst time to find out your mortgage preapproval was wrong is after your offer gets accepted.

Now the inspection is scheduled. The appraisal is ordered. Earnest money is tied up. The seller expects you to close.

Then underwriting finds the problem.

In this episode, I explain why some preapproval letters fall apart after contract, what lenders should review before issuing one, and how mistakes with income, debt, assets,...

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 d...

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 o...

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 mat...

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 ...

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...

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,...

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 loa...

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 ...

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 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.

...

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 K...

 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...

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...

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 Choiceto 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-produ...

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.

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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...

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 ...

1. “Don’t Panic — That Mortgage Letter Might Be Fake”
2. “Paper Phishing: The New Mortgage Scam Flooding Mailboxes”
3. “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 ava...