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
Why THDA Loans Can Fall Apart at the Last Minute (and How to Avoid It)
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 soon replace local government ones.
If you’re a Realtor or a homebuyer considering THDA or any DPA program, this episode could save you a lot of stress.
•What THDA loans are and how they work
•Why THDA re-pulls credit right before closing
•Real story: a 640 score drops to 621, killing a deal
•Why even one small collection can ruin financing
•How lender-backed DPAs are replacing government ones
•Why saving 3–3.5% down might be smarter than rushing in
•What loan officers and agents can do to protect clients
If you’re sitting at a 640 or 641 credit score, you’re walking a tightrope. When THDA re-pulls credit — and they will — any small change can sink your deal.
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Send me a message - keith@keithgo.com