Yes! You Can Buy a Home with Keith Goeringer

One Day Out of Bankruptcy and Still Have a Path to Buy

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 away This 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]- http://schedulewithkeithgo.com [http://schedulewithkeithgo.com]  Send me a message [keith@keithgo.com] - keith@keithgo.com

Should You Buy a Home Now or Wait? Keith Goeringer Talks With Wendy Green

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 matters Key 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]- http://schedulewithkeithgo.com [http://schedulewithkeithgo.com]  Send me a message [keith@keithgo.com] - keith@keithgo.com

Pre-Approved at the Perfect Payment — Then the House Pushed It Higher

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 afford THE 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: keith@keithgo.com 📱 Instagram DM: [@handle] — message the word "SCENARIOS" 🌐 Web: KeithGo.com — hit the button at the top PROGRAM 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]- http://schedulewithkeithgo.com [http://schedulewithkeithgo.com]  Send me a message [keith@keithgo.com] - keith@keithgo.com

Building Wealth and Buying Your First Home with Trenton Miller

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]- http://schedulewithkeithgo.com [http://schedulewithkeithgo.com]  Send me a message [keith@keithgo.com] - keith@keithgo.com

What Actually Works in Real Estate Today

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 success * Why relationships, repeat business, and referrals still outperform flashy tactics * The importance of role-play, training, and mastering real conversations * What’s actually working in real estate marketing today (and what’s not) * Hyper-local content, community involvement, and SEO strategies that convert * Negotiation strategies that protect clients and prevent deals from falling apart * Why many agents aren’t selling homes—and how to avoid becoming one of them * How AI, social media, and consumer expectations are reshaping the industry Josh 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]- http://schedulewithkeithgo.com [http://schedulewithkeithgo.com]  Send me a message [keith@keithgo.com] - keith@keithgo.com