Yes! You Can Buy a Home with Keith Goeringer

Join Keith Goeringer, a seasoned loan officer with over 20 years of experience, as he guides you through the complexities of mortgage and home loan transactions. Whether you're a first-time homebuyer, a homeowner looking to refinance, or exploring options like Rent to Own, USDA loans, FHA loans, or VA loans, this podcast is your go-to resource. Keith's extensive knowledge and dedication to smooth transactions ensure you get expert advice tailored to your needs. Each episode will break down the steps, tips, and insider secrets to help you navigate the mortgage process with confidence and ease. Tune in to "Yes! You Can Buy a Home" and empower yourself to make informed decisions about your home financing journey. Whether you're buying your first home, refinancing, or exploring unique loan options, Keith is here to help you every step of the way. Subscribe now and start your journey towards homeownership with confidence!

Yes! You Can Buy a Home with Keith Goeringer is a business podcast hosted by Keith Goeringer, with 38 episodes on record and a Required Pod Score of 80.

Keith Goeringer hosts Yes! You Can Buy a Home with Keith Goeringer, a business show with 38 episodes published.

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  Episode #37

  You have money in your 401(k), but not enough cash for the down payment

  Sep 17, 202618 minS1

  Do you cash it out? Not so fast. In this episode, I explain the difference between a 401(k) loan, a withdrawal, and an IRA distribution. I also walk through how I look at 5%, 10%, 15%, and 20% down, mortgage insurance, emergency reserves, and the effect a 401(k) repayment has on your paycheck. I’ve used a 401(k) loan myself and helped buyers use them for down payments, closing costs, and reducing mortgage insurance. The goal is not to force one answer. The goal is to compare the options before you move the money. In this episode of Yes, You Can Buy a Home, I’m talking about a strategy I’ve used personally and with buyers many times. Using a 401(k) loan to help buy a house. A lot of buyers hear “use your retirement money” and immediately think about cashing out the account. That is not the same thing as borrowing against it. We cover: • How a 401(k) loan differs from a withdrawal • How much you might be able to borrow • Why primary-residence loans get different repayment treatment • Why I do not consider a 401(k) loan a last resort • Why 20% down is not always the best answer • When using a 401(k) loan to eliminate mortgage insurance makes sense • Why I still count the 401(k) payment in your personal budget even when underwriting does not • The difference between the $10,000 IRA first-time-homebuyer rule and a 401(k) • What to ask your plan administrator before taking the loan • What happens if you change jobs • Why emergency reserves matter after closing • How I compare 5%, 10%, 15%, and 20% down on screen with buyers The biggest question is not: “How much can I take out?” The better question is: “What structure leaves me with the strongest overall financial position after closing?” If you have money in a 401(k) or IRA and are thinking about using it for a home purchase, reach out before moving anything. We can compare the down payment, mortgage insurance, monthly payment, 401(k) repayment, and cash left after closing. Then you decide which structure fits your life. Schedule your free consultation - http://schedulewithkeithgo.com Send me a message - keith@keithgo.com

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  Yes! You Can Buy a Home with Keith Goeringer

  Under Contract With a Fake Preapproval Letter

  Sep 11, 202613 min

  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, property taxes, insurance, HOA dues, and property type change an approval. I also explain the difference between getting an automated approval and having a file prepared to survive underwriting. If you are buying a home or writing offers for buyers, this is a conversation worth having before the contract gets signed. Under Contract With a Fake Preapproval Letter A preapproval letter should give you confidence before you make an offer. But what happens when the letter was based on bad numbers, missed debt, the wrong income calculation, or assumptions about the property that do not hold up? In this episode, Keith breaks down what happens when a buyer goes under contract with a weak preapproval. You’ll hear: • Why preapproved does not mean fully approved • How lenders calculate qualifying income • Why overtime, bonuses, commissions, and self-employment matter • How missed debts change your approval • Why taxes, insurance, HOA dues, and flood insurance matter • How the property itself affects financing • What underwriting looks for after you are under contract • What your lender should review before you start house hunting The goal is simple. Find the problems before you find the house. Schedule your free consultation - http://schedulewithkeithgo.com Send me a message - keith@keithgo.com

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  Yes! You Can Buy a Home with Keith Goeringer

  The Mortgage Payment That Lets You Sleep at Night

  Sep 3, 202624 min

  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 Notes A 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 - keith@keithgo.com

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  Episode #34

  How Scammers Use Public Records To Trick Homeowners

  Aug 28, 202618 minS1

  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 Homeowners What 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 more Why "official-looking" doesn't mean "official" The psychological trick that makes these letters so damn effective Red-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 pay What types of mail to expect after closing (and which ones to question) How to verify suspicious letters WITHOUT using the contact info they provide Why your mortgage servicer keeps trying to get you to refinance (and why you probably shouldn't) Email phishing scams that are getting scary good Fake Zoom links targeting realtors and homeowners Why you need a family safe word in the age of AI deepfakes The 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 client Text me a picture of ANY questionable mail, email, or link Look for red-flag phrases on letters Verify independently—don't use contact info from suspicious letters Set up a family safe word for phone/video calls Be 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 - keith@keithgo.com

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  Episode #33

  Your Student Loan Payment Is Back. Don’t Let It Wreck Your Credit.

  Aug 21, 202613 minS1

  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-report Show Notes Student 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 again How missed emails and outdated contact information create problems Why 90 days late matters for your credit report What generally happens at 270 days delinquent Why student loan delinquencies have increased What changed when the SAVE plan ended in March 2026 What RAP and the Tiered Standard Plan mean for borrowers What to check inside StudentAid.gov today Why your student loan payment affects mortgage qualification Why you should be careful before refinancing federal loans into private loans What to do if you plan to buy a home in the next 12 to 24 months If 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-report Need help understanding how your student loans affect your mortgage options? Visit: https://keithgo.com Schedule your free consultation - http://schedulewithkeithgo.com Send me a message - keith@keithgo.com

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