About Keith Goeringer
So who is Keith Goeringer? and why is he known as “Nashville’s #1 Most Trusted Loan Officer” Here is his answer: “Honesty, Integrity, and taking care of my customer is what makes my business thrive” Obtaining a Mortgage is not a one-time transaction. It is my goal as a mortgage professional to help you make the right financial choices not only in our first loan but for all transactions in the future. I look to build a long term relationship with you to achieve your financial goals. In this environment, mortgage guidelines change almost daily. You absolutely have to have an expert to help you navigate these complex changes.
Programs by Keith Goeringer
Path To Buy A Home
If you have a lower credit score or a small amount of money for a down payment,
this will teach you how to do what it takes to buy a home. I have included all of the
newest strategies for increasing a credit score and buying a home for little money.
Create your Free account today!!
Yes, You Can Buy a Home Mobile App
Home Buying info made easy. Learn the real process of buying a home from start to finish in this mobile app for Iphone and Android devices. Yes You Can Buy A Home helps you get organized and ready to buy a home. Best of all it includes tools and training information if you need to increase your credit score for any reason..
Books by Keith Goeringer
Yes, You Can Buy a Home Book
Home Buying info made easy. Learn the real process of buying a home from start to finish. I wrote this book after the mortgage crash to show you what the process is like now to buy a home. It has changed. Yes You Can Buy A Home helps you get organized and ready to buy a home.
How To Buy A Home
Get Your Correct Mortgage Credit Score
Credit Scores that you get online can vary up or down dramatically. You want to get a real mortgage credit score by applying to a mortgage lending institution. Click Here to Get your Free Score.
Increase Your Credit Score Yourself
There are simple free strategies to quickly and easily increase your credit score so you can buy your dream home. Research and learn all avenues before paying anyone to clean up your credit. Click here to learn how.
Learn About The Process
The process of buying a home has been a 12 year continually learning process for myself and it changes constantly. Learning the basics is very important before you begin your search. Click Here for the 7 steps to buying a home book.
The pre-approval process is important because if done incorrectly, your loan will not close. It is important to review your income to ensure that it qualifies for the home way before you start looking. Click here to Apply Now
Apply Now Securely Online in Seconds
Apply Today and I will get back with you by the end of the day with your answer. If for some reason you do not qualify right now, i will personally show you how to build your credit so you can buy in the future.
A New Process That Makes Buying A Home Easy!
Russian Roulette underwriting is what 95% of banks and lenders use. Underwriters determine if you are approved or not and this relationship is crucial. Most banks have hundreds of underwriters they rotate to complete your file. Keith works with one underwriter to ensure a quick and effecient process. Learn More
Programs To Get You In A Home
FHA Loans are government loans that typically require 3.5% down. They are very lenient for past credit problems and first time homebuyers. I am a Expert in FHA Loan Financing. Please call or text with any Questions.
USDA Rural Development Loans are one of the only loans that do not require a downpayment. In Dec of 2014 there were may changes made to the program that makes these loans harder to qualify. Please call or text me with any questions on these loans.
Vetrans Administration or VA Loans are also 100% loans and available for Military and Former Military. Over the past few years these have become increasingly harder to qualify for. Please call me with any questions regarding these loans.
Conventional Loans typically require 5% downpayments. In 2015 there will be a new 97% Program available. The only downside to these loans are the ratios are typically more strict which could mean buying a less expensive home. Please call me with any questions.
- FHA Loans 50%
- USDA Loans 30%
- Conventional Loans 10%
- VA Loans 10%
Big Changes Coming for Student Loans. FHA Announced on June 30th, they will no longer accept people in Income Based Repayment Plans. This will be devestating for many people seeking home ownership. Instead you will use 1% of the balance of the Student loan as the...read more
FHA Underwriting Guidelines Changes 2015. More Information Here: https://www.linkedin.com/in/kgoeringer. This is about the numerous underwriting changes that are coming on September 14, 2015 all of the FHA underwriting guidelines will be changing in there creating...read more
I just got off the phone with someone who was quoted a payment by a large TV/Internet lender. I won’t give away the name, but It’s one who is on TV all the time with goofy commercials. He was told his payment on an FHA Loan was $1150 with everything included. Now, I...read more
Q&A with the New Qualified Mortgage Rules Q: What does it do? A: It requires mortgage lenders to make sure borrowers can actually afford their loans, over the long term, by weighing their income, assets, savings and debt against their monthly house payments. "It...read more