182 Lenders Searched For You

Your Custom
Mortgage Breakdown
Built in 1 Hour

We search 182 banks, credit unions, and wholesale lenders to build you a personalized, interactive breakdown of every mortgage option available for your home or situation — completely free, no credit pull.

No credit pull
Free & no obligation
Results in 1 hour
2,980+
Families Helped
$310M+
Loans Closed
4.86★
Rating

Get Started — It's Free

Get Your Custom Mortgage Breakdown

Keith will search 182 lenders and build your personalized page within 1 hour.

No credit pull. No obligation. No pressure — ever.

Stop Believing These Myths

Most People Think They Can't Buy. 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

Keith walks you through every step

The Process

How Your Custom Breakdown Works

Not a generic rate quote. Not a lead form that sells your info to 10 lenders. A real, personalized breakdown built specifically for you.

01

We Search 182 Lenders

Keith personally searches across banks, credit unions, and wholesale lenders to find the best rate and program for your exact situation — not a generic quote.

02

You Get a Custom Breakdown

We build a personalized, interactive page just for you — showing your real monthly payment, cash to close, buydown options, and how your credit score affects your rate.

03

We Show You Every Option

See side-by-side comparisons of 5% vs 10% vs 20% down, 1/0 and 2/1 buydowns, permanent rate buydowns, and how seller concessions can lower your costs.

04

Keith Walks You Through It

No confusing paperwork. Keith calls you to walk through your breakdown in plain English — answering every question until you feel confident about your decision.

What You'll Receive

A Breakdown That Actually
Answers Your Questions

Your custom page is interactive — adjust the purchase price, down payment, and seller concessions in real time and watch every number update instantly.

Real monthly payment (P&I + taxes + insurance + PMI)
Cash to close — every line item explained
1/0 and 2/1 seller-paid buydown options
How your credit score affects your exact rate
Seller concession analysis — what to ask for
Permanent rate buydown savings calculator
Affordability checker with your real income
20 proven ways to raise your credit score

Sample Breakdown

Your Monthly Payment

Principal & Interest$1,897
Property Taxes (est.)$218
Homeowner's Insurance$150
PMI (if applicable)$0
Total Monthly$2,265

💡 With 2/1 Buydown

Year 1: $1,697/mo · Year 2: $1,797/mo · Year 3+: $1,897/mo

Seller can pay the buydown cost as a concession

2,980+
Families Helped
$310M+
In Closed Loans
4.86★
Average Rating
24+ yrs
Keith's Experience
182
Lenders Searched
49/50
States Licensed

Common Questions

Answers Before You Ask

Your Strategist

Keith Goeringer

Senior Loan Officer · That Mortgage Guy Team · NMLS #488023

Keith is the architect behind the scenes — the guy who builds your personalized breakdown, 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.

24+ years of mortgage expertise
$310M+ in closed loans
2,980+ families helped
Specialist in loan structuring & underwriting
Licensed in 49 states
KG
24+
Years Experience
$310M+
Loans Closed
2,980+
Families Helped
NMLS #488023
License Number
Free · No Credit Pull · 1-Hour Turnaround

Ready to See What You Can Actually Afford?

Fill out the form above or call Keith directly. Either way, you'll have a custom breakdown of 182 lenders in your hands within 1 hour.

Call Keith — 615-955-0461

Keith Goeringer · NMLS #488023 · That Mortgage Guy Team · www.thatmortgageguyteam.com
Licensed in 49 states. Equal Housing Lender.