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Every month you pay rent, you're building someone else's retirement — not yours. Find out exactly what you can afford today, with no 20% down required and no credit score impact.
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NMLS #1852999 (Keith) · Licensed in 49 states
Stop Believing These Myths
Most People Think They Can't Buy a Home. They're Wrong.
You need 20% down
Some programs start at 0%
Perfect credit required
FHA works from 580+
Takes months to close
We've closed in 6 days
It's too complicated
We walk you through every step
4.86 Stars · 180+ Reviews · Real Families. Real Results.
Here's what people say after working with Keith:
"Keith made the impossible possible! As a first-time buyer, I was nervous about the process. He walked me through every step and got me closed in just 15 days."
Jennifer M.
First-Time Homebuyer · Baltimore, MD
"Working with Keith was a game-changer. He's not just a loan officer—he's an educator. His social media content is gold, and his one-on-one service is even better. Closed in 6 days with zero stress!"
Marcus T.
Purchase · Washington, DC
"From his TikTok to closing day, Keith was incredible. He answered every question (and I had a LOT), responded instantly, and made me feel confident as a first-time buyer. Can't recommend him enough!"
Taylor B.
First-Time Homebuyer · Columbia, MD
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Meet Keith Goeringer
Senior Loan Officer · National HQ in Franklin, TN · 24+ years of expertise helping families buy homes across 49 states.
NMLS License
#1852999
Keith Goeringer
SENIOR LOAN OFFICER | YOUR STRATEGIST & ARCHITECT
Keith is the architect behind the scenes — the guy who builds your personalized Homebuying Plan, runs the scenarios, structures your loan perfectly, and navigates underwriting to ensure a smooth closing. He's closed $310M+ in loans for 2,980+ families because he knows how to get deals done.
Based in Franklin, TN, Keith operates with 24+ years of expertise and $310M+ in closed loans. His deep knowledge of loan structuring, underwriting, and closing processes ensures your deal gets done right — no drama, no surprises, just results.
How Your First Home W.E.A.L.T.H.™ Plan Works
A simple, personalized roadmap that shows you where you stand today, what's possible, and how to get there step by step.
What Does W.E.A.L.T.H.™ Stand For?
Worth
What you can actually afford based on your real financial picture
Equity
How your home builds wealth over time
Approval
Getting pre-approved with confidence, not just pre-qualified
Loan
The right loan structure that matches your goals
Timeline
Your personalized roadmap from today to closing day
Home
Finding and financing the home that fits your life and budget
Soft Pull Snapshot
No Score Impact
We start with a quick, secure soft pull to see where you stand today. No impact on your credit score, no commitment, no sales pitch.
Personalized Homebuying Plan
Custom Strategy Built For You
Keith architects your custom plan behind the scenes using our W.E.A.L.T.H.™ framework. He runs the numbers, structures your loan strategy, and creates your personalized roadmap to homeownership.
FutureValue™ Projection
See Your Long-Term Impact
We show you what your home could be worth over time so you can see the long‑term impact of your decision, not just the monthly payment.
Keith Teaches You Everything
Your Personal Mortgage Educator
Keith breaks down your plan in plain English through a call or video walkthrough. He teaches you what everything means, answers all your questions, and makes sure you feel confident and informed.
Why This Is Different From Every Other Mortgage Company:
Takes less than 2 minutes. No impact on your credit score.
From "Can I Afford This?"
to Keys in Hand
Four simple steps. No jargon. No surprises. Just a clear path to your new home.
2-Minute Soft Pull
Zero credit impact. We get an instant snapshot of your buying power — no commitment, no sales pitch, no pressure.
Your Homebuying Plan
Keith builds your personalized plan: the right loan, the right structure, and a clear roadmap from today to closing day.
Get Pre-Approved
A strong pre-approval letter in hand means sellers take you seriously. We'll make sure yours is bulletproof.
Close Fast
Keith guides you from contract to keys. We've closed in as little as 6 days — and we make it drama-free.
Takes less than 2 minutes · No credit impact · No obligation
Our Lender Network
We Search 180+ Lenders For You
Most banks only offer their own rates. As an independent mortgage broker, we shop over 180 wholesale lenders to find you the best rate and terms available — so you never have to wonder if you got a good deal.
The Difference That Matters
We're Not Just a Broker. We're Also a Banker.
Being a broker alone isn't enough anymore. We hold 20 direct banking lines — which means we can underwrite, approve, and fund loans in-house when speed and control matter most. Combine that with access to 180+ wholesale lenders and you get something most loan officers simply can't offer.
The Broker Advantage
Shop 180+ Wholesale Lenders
- ✓Access to rates retail banks can't match
- ✓Compete lenders against each other for your loan
- ✓Conventional, FHA, VA, USDA, Non-QM, Jumbo, DSCR, Reverse
- ✓No loyalty to one bank's products or pricing
- ✓Best rate wins — every time
The Banker Advantage
20 Direct Banking Lines
- ✓In-house underwriting — no third-party queue
- ✓Clear conditions and move to funding internally
- ✓Direct lender status on every banking line loan
- ✓Rate lock control from day one
- ✓Faster closings when timelines are tight
Conditions to Funding — In-House
When a lender issues conditions before closing, most brokers are stuck waiting on a third party to respond. As a banker, we clear conditions internally and move straight to funding — no middleman, no delays.
Faster Closings
Banking lines allow us to underwrite, approve, and fund deals in-house. That means we control the timeline — not a wholesale lender's queue. We've closed loans in as little as 6 days.
Rate Lock Control
With our own banking lines, we can lock your rate directly and manage extensions internally. No waiting on a wholesale desk to confirm — your rate is protected from the moment you say go.
Underwriting Flexibility
Retail banks follow rigid overlays. Our banking lines give us access to in-house underwriters who can look at the full picture — compensating factors, unique income, non-traditional credit — and find a path forward.
Direct Lender Status
On banking line loans, we are the lender of record. That means cleaner communication, faster decisions, and no file sitting in a wholesale lender's inbox waiting to be touched.
Pivot When Needed
If a deal hits a snag with one lender, we can pivot to another banking line or wholesale option without starting over. 20 banking lines + 180 wholesale lenders means we almost never hit a dead end.
Competitive Pricing on Both Sides
We price banking line loans against our wholesale network every time. You get the best of both worlds — the speed and control of a bank with the pricing power of a broker.
More Loan Types Available
Our banking lines cover products that wholesale lenders won't touch — portfolio loans, bridge financing, asset depletion, bank statement programs, and more. If it can be done, we can usually do it.
200+ Options. One Team Working For You.
Whether your deal needs the pricing power of wholesale or the speed and control of a direct banking line, we have the tools to get it done. Most loan officers have one option. We have over 200.
Find Out Which Option Is Best for You →Free AI-Powered Credit Boost
Clean up your credit report and improve your score—completely free. Save up to $200 per disputed account while we prepare your mortgage strategy.
No Service Fees
Traditional credit repair charges $200 per account. Our AI-powered service is completely free—only a $75 deposit for actual expenses (if incurred).
FCRA Compliant
AngelAI follows all Fair Credit Reporting Act guidelines, engaging with creditors on your behalf to resolve disputes professionally and legally.
Automated & Efficient
AI handles all communication with credit bureaus and creditors—no manual labor costs, which is why there are no service fees.
How It Works
Report Your Dispute
Tell AngelAI about errors, outdated info, or unfair negative marks on your credit report.
AI Handles Everything
The AI follows FCRA guidelines and engages with creditors to resolve disputes on your behalf.
Watch Your Score Improve
Track progress as disputes are resolved and your credit score climbs—qualifying you for better rates.
We Build Your Homebuying Plan
While AI cleans your credit, Keith prepare your personalized mortgage strategy.
No service fees. Only $75 deposit for actual expenses (if incurred).
Real Stories from Real Homeowners
4.95 out of 5 from 93+ reviews
"Keith made the impossible possible! As a first-time buyer, I was nervous about the process. He walked me through every step and got me closed in just 15 days. His TikTok videos prepared me, but his personal service exceeded all expectations!"
Jennifer M.
First-Time Homebuyer
Baltimore, MD
"Working with Keith was a game-changer. He's not just a loan officer—he's an educator. His social media content is gold, and his one-on-one service is even better. Closed in 6 days with zero stress!"
Marcus T.
Purchase
Washington, DC
"I've worked with several mortgage bankers over the years, but Keith is in a league of his own. Fast, knowledgeable, and always available. He saved me thousands on my refinance and made the whole process seamless."
Sarah K.
Refinance
Annapolis, MD
"Keith made the impossible possible! As a first-time buyer, I was nervous about the process. He walked me through every step and got me closed in just 15 days. His TikTok videos prepared me, but his personal service exceeded all expectations!"
Jennifer M.
First-Time Homebuyer
Baltimore, MD
Financial Calculators
Explore your options with our comprehensive mortgage calculator
ESTIMATED MONTHLY PAYMENT
$2,528
Principal & Interest only
This is an estimate. Actual rates and payments may vary. Does not include taxes, insurance, or HOA fees.
Free Resources & Expert Tips
Learn from @ThatMortgageGuy's viral TikTok content. Over 865K followers trust Keith's straightforward mortgage advice.
865K+
TikTok
@keithgoteam
161K+
@keithgoteam_
17.3M+
Total Reach
Likes on TikTok
Market Insights
Stay updated on current mortgage rates and housing market trends
Buyer Education
Learn the mortgage process from pre-approval to closing
Q&A Sessions
Get answers to your most common mortgage questions
Latest Mortgage Tips from TikTok
Watch Keith's latest mortgage education videos directly from his TikTok feed
Can't see the videos? Visit Keith's profile directly:
View on TikTok →Want More Mortgage Tips?
Follow @ThatMortgageGuy on TikTok and Instagram for daily mortgage advice, market updates, and homebuying tips.
Have a specific question? Contact me directly for personalized guidance.
Questions Buyers Ask Us All The Time
Get honest answers to the questions every first-time buyer wants to know.
Still have questions? We're here to help!
Contact us directly →Start Your Free Homebuying Plan
Ready to go from renter to confident homeowner? Reach out to Keith today — no pressure, just clear guidance and a personalized roadmap.
Keith Goeringer
Senior Loan Officer | NMLS #1852999
Call or Text
(615) 581-1800National HQ
Franklin, TN
Licensed in 49 States Nationwide
Schedule a Call
Book a free strategy session →NMLS #1852999 | Barrett Financial Group | Coverage in 49 states
Get Your Free Homebuying Plan
In just 2 minutes, you'll know exactly where you stand — no credit impact, no obligation. We'll provide you with your current credit snapshot, estimated buying power, available loan programs, and personalized next steps.
Available 7 days a week | Coverage in 49 out of 50 states
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