Keith Goeringer

Senior Loan Officer 615-955-0461APPLY ONLINE

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.

Get Pre-approved

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.

Click Here

A New Process  That Makes Buying A Home Easy!

One Person to Talk To!

Typically as soon as the loan officer has taken your application, you will never hear from them again.  You are shuffled off to some other dept or multiple departments.  Not with Keith!!  He is your one and only contact for the entire process.  Learn More

Upfront Review of All documents

Surprises happen your file is not reviewed closely upfront.  Keith takes time to go through all of your documentation before you write a contract or spend any money.   This ensures a smooth closing.  Learn More

The End of Russian Roulette Underwriting

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%
I wanted to say: My family and I THANK YOU from the bottom of our hearts for finally getting us into a house! We had a rough start, but after asking you to come on board to get us out of an unnecessary mess--we are now homeowners! For all of you out there that have a dream of being a home owner contact this man right here! He closed our loan in NINE days. NO JOKE--nine days. Trust me, you will not be disappointed working with him! Thanks again--and looking forward to working with you on building our investment future!
Betty Adams
"So, I just finished closing... and it was easy & smooth process. I just wanted to say thank you for all your hard work on my loan. It was a doozy HAHA but thank you and Im telling everyone I know looking for a home about Primary Residential Mortgage. Thank you a million times over and glad its all over! LOL.... Thanks Mr. Keith 🙂 You have made a very happy Coulter family here today. May God bless you and your family; as well as your business!!"
Johnny Coulter/Lafayette, TN
"I must say that I do not know where my family would be if it was not for Keith’s help. He explained everything to me in layman’s terms from day one. He was honest and forthright from the very beginning. We were in a position where we needed to get the mortgage for our home literally right then. Our credit was not good enough and we just simply did not know where to turn. We had paid off most of our debts secured a prepaid credit card. We had no idea how to get our credit high enough to get the loan or what to do. We had previously tried to work with another lender who simply said “we cannot help you.” We had a lease with option to buy after 2 years. Our 2 years was up and the owners of the home were wanting us to secure the loan or move (with possible legal suit). We were most definitely scared to lose our home uproot our children from their schools. I stumbled upon a website with Keith’s name and decided to call him. The least he could say was the same as the others “we cannot help you.” After my first conversation with him I felt immediately if anyone could help and get us there, he could. He told me exactly where to begin and what to do step by step. When I had a question, he gave me an immediate answer. I was never left in the dark. August 14,2012 was the day I called him and here we are October 26th, 2012 to close! Amazing! If he cannot get it done know one can! Keith, saved us from losing our home, helped us get our loan and helped us to raise our credit score in that short of a time! Our family is forever indebted to Keith. We cannot thank him enough!"
Leo & Melissa Dalton/Indianapolis, Indiana
"Of course, I received numerous offers from loan officers and companies while we were shopping for a house. I was initially impressed with your service because you knew some of the ins and outs that others didn't seem to know. You could easily answer my questions and were available at anytime. I could tell you worked long hours on our file and we were a priority. I'm sure you were working on many files at once, but I always felt like top priority. Though it was a stressful and long process, I felt at ease with you as our representative. Thank you for the expertise you showed and hard work you put into giving us our dream home. I would absolutely recommend your services to others. Thanks again!"
Emily Packard
"In late September, I was feeling a bit discouraged as I had been turned down by several large to medium size mortgage lenders for a first time home buyer loan. Most lenders told me in a matter of minutes that it would be at least two years before I am able to purchase a home. Some told me work on your credit score and call me back. No one was willing to help. Knowing that God is faithful, I got on the internet at work one day and begin searching for lenders willing to help me through the buying process and I came across the name Keith Goeringer. The website (I can’t remember) mentioned something like I will help you through the process….just give me call…etc. So I called. Keith listened to my situation for at least 30 minutes. I knew right then he was different."
Chastity and Patrick Jefferson
"I just wanted to tell you that I don't think I could possibly put into words how appreciative I am for what you did to help my family. My son, Chandler, has not had one bad behavior since we moved into the house. He spends a lot of time in his room, but he is utilizing the room in the basement as a getaway too. I am happier than I have ever been. The whole family is, and we have you to thank for it. Thank you for making such an amazing difference in our lives!"
Bethany Jasper


Big Changes for People with Student Loans

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 2015 Changes coming Sept 14, 2015

FHA Underwriting Guidelines Changes 2015.  More Information Here:  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

How to Get a $1150 payment on a 193k house

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