Yes! You Can Buy a Home with Keith Goeringer

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.

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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...

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 ho...

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 fear
• A contractor...

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-...

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 11...

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 pod...

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 re...

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 acce...

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-a...