Building Wealth and Buying Your First Home with Trenton Miller

Stop Losing Bidding Wars: How Bridge Loans Help Move-Up Buyers Win

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

How to Boost Your Credit Score for a Mortgage: Mistakes to Avoid

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

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