Stop Renting.
Start Building Wealth.
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 #1019383 (Scott) · NMLS #488023 (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 Scott & Keith:
"Never in a million years would I imagine I'd be able to buy a house. Keith was the one person that actually helped make that happen! Closed in exactly 30 days."
Amber H.
First-Time Homebuyer · Nashville, TN
"Scott 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
"Keith and his team were able to close my house in 9 days — just 2 days before Christmas. This was an amazing task and accomplishment. Thanks again!"
Dominic D.
Purchase · Tennessee
Google Reviews
Zillow Reviews
Facebook Reviews
Meet Scott & Keith
Scott is your teacher. Keith is your strategist. Together, they've helped 2,980+ families buy homes.
NMLS License
#1019383
Scott Betley
"THAT MORTGAGE GUY" | YOUR TEACHER & SOCIAL GUIDE
Scott breaks down complex mortgage stuff into plain English — 865K+ people follow him on TikTok for a reason. He'll educate you on your options, help you avoid first-time buyer mistakes, and make sure you never feel rushed or pressured.
As a social media educator with over 1M+ followers, Scott teaches mortgage concepts through engaging content that makes homebuying feel achievable. Based in Baltimore, MD, he's your go-to guide for learning everything you need to know about financing your first home.
Keith Goeringer
THE ARCHITECT BEHIND THE SCENES | GETS YOU CLOSED
Keith is the architect behind the scenes — the guy who builds your personalized W.E.A.L.T.H.™ 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 39+ 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.
NMLS License
#488023
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 W.E.A.L.T.H.™ 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.
Scott Teaches You Everything
Your Personal Mortgage Educator
Scott 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 W.E.A.L.T.H.™ 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
Scott and Keith guide 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
Comprehensive Loan Programs for Every Need
Whether you're a first-time buyer, veteran, or looking to refinance, we have the expertise and programs to help you achieve your goals.
Purchase Loans
Conventional, FHA, VA, Jumbo
Refinancing
Lower your rate or tap into equity
First-Time Homebuyer
Special programs for first-time buyers
VA Loans
$0 down for our veterans
Investment Property
Financing for rental properties
Loan Program Comparison
Compare key features of each loan program to find the best fit for your situation
Find Your Qualifying Programs
Enter your information below to see which loan programs you qualify for
| Feature | FHA 3.5% Down | FHA 0% Down | VA 0% Down | USDA 0% Down | Conventional 3% Down | Conventional 5% Down | Conventional 1% Down | Jumbo 10% Down | Jumbo Standard |
|---|---|---|---|---|---|---|---|---|---|
| Min. Down Payment | 3.5% | 0% | 0% | 0% | 3% | 5% | 1% | 10% | 20% |
| Min. Credit Score | 580 | 600 | 580 | 600 | 620 | 620 | 620 | 700 | 700 |
| Max DTI Ratio | 57% | 57% | 50%+ | 45% | 50% | 50% | 50% | 43% | 43% |
| Mortgage Insurance | Required | Required | None | Guarantee fee | If < 20% down | If < 20% down | Required | Varies | None |
| Best For | First-time buyers (500-579 score with 10% down) | Down payment assistance available | Veterans and active military | Rural areas only | First-time buyers | Standard option, no income limits | Lender pays 2%, you pay 1% | Aggressive option for high-value homes | High-value properties |
FHA 3.5% Down
First-time buyers (500-579 score with 10% down)
FHA 0% Down
Down payment assistance available
VA 0% Down
Veterans and active military
USDA 0% Down
Rural areas only
Conventional 3% Down
First-time buyers
Conventional 5% Down
Standard option, no income limits
Conventional 1% Down
Lender pays 2%, you pay 1%
Jumbo 10% Down
Aggressive option for high-value homes
Jumbo Standard
High-value properties
Not sure which program is right for you? Get personalized recommendations.
Get Your Free Soft Pull Snapshot →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 W.E.A.L.T.H.™ Plan
While AI cleans your credit, Scott & 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
"Working with Scott 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
"Keith and his team did a fantastic job. I don't think I could have gotten this house with anyone else. They got me the best interest rate, they're super committed and try to close ASAP! Thanks for everything!"
James B.
Purchase
Franklin, TN
"I've worked with several mortgage bankers over the years, but Scott 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
"Working with Scott 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
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 Scott's straightforward mortgage advice.
865K+
TikTok
@thatmortgageguy
161K+
@thatmortgageguy_
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 Scott's latest mortgage education videos directly from his TikTok feed
Can't see the videos? Visit Scott'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.
Navigating the Mortgage Jungle
A Proven System for Buying Smart and Building Wealth
How Smart Buyers Beat the Banks, Avoid the Traps, and Build Real Estate Wealth Without the BS
What You'll Learn:
- The exact credit score strategies that save buyers $50K+ over the life of their loan
- How to navigate lender tricks and avoid hidden fees that cost thousands
- The W.E.A.L.T.H.™ Plan framework for building real estate wealth from day one
- Insider secrets from 24+ years of closing deals that banks don't want you to know
- How to qualify for a mortgage even if you think your credit isn't good enough
- The truth about down payments, PMI, and when to use each loan program
Join 1,247+ Readers on the Waitlist
Get notified when the book launches, plus receive exclusive pre-order bonuses, early-bird pricing, and a free chapter preview.
"After helping 2,680+ families navigate the mortgage process, I'm putting everything I've learned into one comprehensive guide. This is the book I wish existed when I started 24 years ago." — Keith Goeringer
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 W.E.A.L.T.H.™ Plan
Ready to go from renter to confident homeowner? Reach out to Scott or Keith today—no pressure, just clear guidance and a personalized roadmap.
Scott Betley
Your Teacher & Guide
Call or Text
(443) 567-9174Office Location
2700 Lighthouse Point East
Suite 230
Baltimore, MD 21224
NMLS #1019383 | Coverage in 49 states
Keith Goeringer
The Architect | Gets You Closed
Call or Text
(615) 581-1800Office Location
230 Franklin Road
Suite 916
Franklin, TN 37064
Website
www.keithgoeringer.comNMLS #488023 | Coverage in 49 states
Get Your Free W.E.A.L.T.H.™ Plan Snapshot
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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