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.
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Yes! You Can Buy a Home with Keith Goeringer
Pre-Approved at the Perfect Payment — Then the House Pushed It Higher
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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 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
Send me a message - keith@keithgo.com