ITEMS YOU NEED TO REPAIR BEFORE SELLING YOUR HOME – ITEMS TO PREPARE BEFORE APPLYING FOR A MORTGAGE

In Uncategorized by Jo Garner0 Comments

Are you trying to decide what to repair first on your home if you want to get it ready to sell or rent? Brandon Thompson of HomeTeam Inspection Service will be giving you tips on what to do first. Kevin Yee of Save Energy Solutions-a home improvement company will share some tips on ways to save you money and keep your home safer. I will be giving you a heads up on what documents to pull together when you are about to borrow money.

What part of real estate interests you the most? Are you buying your first home? Are you buying rental properties? Are you interested in combining your variable rate home equity line debt and credit card debt into a first lien, stable fixed rate mortgage?

Make your plan. Let’s work your plan. If the deal works for you today, let’s do it today. Subscribe to get Real Estate Mortgage Shoppe’s weekly podcasts with show notes directly into your inbox.

To Your Success,

Jo Garner, Mortgage Loan Officer NMLS# 757308
(901) 482-0354 Jo@JoGarner.com www.JoGarner.com

 

 

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LET’S TALK REAL ESTATE

Good morning, Memphis! Welcome to our internet listeners and podcast listeners across the 50 states! You’re on Real Estate Mortgage Shoppe. I’m your host, Jo Garner, Mortgage Loan Officer. You can connect with me at www.JoGarner.com. Our general topic is ITEMS YOU NEED TO REPAIR BEFORE SELLING YOUR HOME-ITEMS TO PREPARE BEFORE APPLYING FOR A MORTGAGE Subscribe to get our weekly blogposts with podcasts at www.JoGarner.com. Call us while we are live at (901) 535-9732 Today is September 29, 2018.

Are you trying to decide what to repair first on your home if you want to get it ready to sell or rent? Brandon Thompson of HomeTeam Inspection Service will be giving you tips on what to do first. Kevin Yee of Save Energy Solutions-a home improvement company will share some tips on ways to save you money and keep your home safer. I will be giving you a heads up on what documents to pull together when you are about to borrow money.

 

INTRODUCING BRANDON THOMPSON, HOME INSPECTOR

In the co-host chair we have Brandon Thompson of HomeTeam Inspection Service. Brandon, you have been busy this year doing pre-sale home inspections and home inspections for people and families buying homes. You served in active military service and you carry the same quality and professionalism from the military into your work as a home inspector. Take a minute to tell our audience a little about yourself and what HomeTeam Inspection Service does for your clients.

 

REPAIR YOUR HOME-PREPARE FOR YOUR MORTGAGE

(Jo) Today’s topic about repair and PREpare reminds me of something Abraham Lincoln is attributed to saying. “Give me six hours to chop down a tree and I will spend the first four sharpening the axe.” Whatever you are planning to accomplish, whether it is selling your house or buying a house. Spend some extra time early creating curb appeal outside, decluttering and lightening up the inside or pulling your financial papers together to give to your mortgage office.

When I have a mortgage customer connect with me about getting a mortgage. I asked them these three questions up front. First, what is the maximum house payment that is comfortable for you? Second, what is the maximum down payment that is comfortable for you? The third question, how long do you plan on keeping this home?

Knowing the maximum payment and down payment that is comfortable for you on the new home gives you confidence when you make your offer. When you walk into the house and know that you know that house if for you, you can make your offer quickly and competitively. You won’t have to sweat wondering if you can afford it.

Don’t trust the loan officer or the mortgage software to tell you what you can pay. Some of the software have preapproved people for up to 55% debt-to-income ratios. Who wants to be in debt for over 50% of their income each month?

Take an hour or so and review your bank statements, and credit card statements and any other place you track your expenses. How much are you spending each month? Where are you spending your money? Look at your paystubs. How much are you really bringing in each month for income? Remember to add in the expenses you only pay once or twice a year. Now you can answer the questions – what is the maximum you can comfortably pay each month on a house note? How much can you comfortably pay on a down payment?

 

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REPAIRS TO DO BEFORE YOU LIST YOUR REAL ESTATE FOR SALE

Brandon Thompson of HomeTeam Inspection Service is sitting in the co-host chair. Brandon as a licensed home inspector, what are some of the repairs that you suggest home sellers do before listing their home? (Brandon covers several items)

You’re on Real Estate Mortgage Shoppe. I’m your host, Jo Garner, Mortgage Loan Officer. Connect with me at www.JoGarner.com What do YOU want to accomplish with your mortgage? Make your plan. Let’s work your plan if the deal works for you today, let’s do it today. When we come back, Brandon Thompson will be sharing some more wisdom about what to repair and how to use a professional home inspection. We will also be hearing from Kevin Yee of Save Energy Solutions. See you back in a moment.

 

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2nd segment after 9:15 advertising break – (producer to start the song “Taking Care of Business” by Bachman Turner Overdrive –but bring the volume down before the lyrics start)

It’s time to talk shop with Talk Shoppe’s Business Tip For Real Estate Professionals. Talk Shoppe is a marketing company offering free education and networking to anyone interested in real estate or in business. Talk Shoppe is made possible by the financial support of its sponsors and advertisers. For more about Talk Shoppe, go to www.TalkShoppe.com (shoppe) For our Talk Shoppe Business Tip today we have Talk Shoppe advertiser Kevin Yee of Save Energy Solutions. Kevin can repair your home. He can seal and clean the ducts in your home, keeping the good air inside and the bad air outside. If you suffer with allergies or high utility bills. Kevin is the guy you want to fix it. Kevin, Yee, what is our Talk Shoppe Business Tip for Real Estate Professionals today? Kevin shares how to get your home ducts sealed to save on your utility bill and get rid of bad air that can cause allergies and still get Tennessee Valley Authority funds to finance the work.

Questions to ask Kevin Yee:
1. Kevin, what are some other services you offer your clients who need home improvement work done?
2. How do we contact you?
3. Happy customer calls in to talk about her experience using Kevin and Save Energy Solutions

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TOPICS COVERED BY BRANDON THOMPSON WITH HOMETEAM INSPECTIONS
Intro

Jo, thank you for having me on your program. My name is Brandon Thompson and I’m the owner of HomeTeam Inspection Service Memphis. I am a licensed home inspector in Tennessee and Mississippi, serving the midsouth area in those two states. I’ve lived in the Memphis TN area since 1998, and prior to starting my business I spent the past twenty years working full-time for the Air National Guard at the 164th Airlift Wing here in Memphis TN. I’m a University of Memphis graduate with a degree in business management, a graduate of AHIT (American Home Inspector Training), a member of ASHI (American Society of Home Inspectors), an active Affiliate with Memphis Area Association of Realtors, Northwest Mississippi Association of Realtors, and an affiliate member of the Memphis area Women’s Council of Realtors.

I brought HomeTeam Inspection Service to the Memphis TN area early last year, but HomeTeam Inspection Service has been a leading home inspection company and trusted brand in North America for more than 20 years. We provide a very detailed, easy to read home inspection report that helps buyers and real estate professionals understand everything about the house they’re buying or selling. We inspect all the major systems of a house such as the roof, exterior, plumbing, electrical, heating and air conditioning systems, appliances, attics and crawl spaces… and everything in between. And just as the name Home Team implies, we make every inspection a team effort. Because your time is valuable, we bring a team of professionals to your home inspection. This assures you of an efficient and thorough inspection every time. We also provide pool inspections, mold testing, plus we can coordinate any other inspection needs you have. Please give us a call or visit our website to schedule your next inspection at 901-562-0988 or hometeam-memphis.com

1. What are some steps we need to take as homeowners to personally inspect our home and what repairs are the most important to complete before listing our house for sale?

 

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Subject Matter

Today we’re going to talk about general home maintenance. It is officially fall so it’s time to get out, maybe get your hands dirty and perform a regular home checkup. A detailed checkup is just like a visit to the doctor’s office for your medical checkup. You want to know what’s okay and what’s not okay. And you want to take measures to fix things that need fixing before the problems get out of hand.

Finding problems early helps you preserve your home. And doing preventative maintenance can extend the life of equipment and materials, which generally proves to be less expensive than replacing these components. We recommend that checkups be performed on your home periodically throughout the year and that you keep records of everything you’ve done to keep your house in good order. Permanent records of maintenance will enhance the marketability of your home when the time comes to sell. When you’re ready to sell your home, just present your records to any potential buyers to show them the special care you’ve taken to keep the home in top condition. And we’re going to give you another option to make your house stand out to potential buyers a little later on by digging into pre-listing inspections.

But for now, let’s talk about some fall maintenance tips. Inspectors can smell deferred maintenance a mile away and can cause you problems when you’re trying to sell your home.

1. Have your furnace serviced- have a licensed heating and air specialist perform a thorough cleaning and checkup. This is a maintenance that requires a professional.

2. Drain and turn off your sprinkler system- chances are, you won’t need to use your sprinklers anymore this season, so hire a professional to have it winterized. You do not want water sitting in your pipes during the cold winter months because the water inside can freeze, expand, and cause pipes to burst. You can perform this task yourself if you have the proper equipment and knowledge, but to be on the safe side, hire a professional.

3. Clean your gutters – This task isn’t just for fall, leaves and other debris can dirty up your gutters throughout the year. But traditionally, the fall and winter months are the worst. If you don’t keep your gutters clean, they get clogged and overflow. This can wreak havoc on your home, causing rotten wood on soffits and fascia boards, water draining too close to your foundation, and water infiltration on the interior of your home. Water is the enemy for any home and your gutters are there to help control it. You can hire a professional come perform this task or if you’re comfortable, pull the ladder out of the shed and do the job yourself, but either way it is one of the most important maintenance tasks you should be doing regularly. A lot of the deficiencies we find on our home inspections are a direct result of poor gutter maintenance.

4. Inspect your roof – Take a walk around your house and look at the shingles on your roof. Use a pair of binoculars if you have them. Make sure there aren’t any missing or damaged shingles, tree branches in contact with the roof, and cracks in vents around boots. If you’re not comfortable performing this task, hire a professional roofer to come take a look. Many roofing companies will perform an inspection for free.

5. Inspect your fireplace and chimney – check to make sure the damper functions, that there isn’t any soot or creosote build up, and make sure there aren’t any blockages. Again, if you aren’t comfortable with this task, hire a professional.

6. Seal cracks around doors and windows – inspect the weather stripping around all exterior doors. With the door closed, can you see daylight coming in around the door? If so, you need additional weather stripping to prevent the cold air from entering your home. Check the caulk around all window and door frames. Over time, caulk begins to crack or fall away, creating a void for moisture intrusion. Remove any old caulk before applying new caulk. You can purchase exterior purpose caulk and a caulk gun from your local hardware for a few dollars and get the job done yourself.

7. Prune your plants, trees, bushes – Get rid of the yard debris.

2. Talk about the importance of the pre-listing inspection

 

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Pre-listing inspections-

Traditionally inspections take place after the buyer has decided to purchase a home, placed an offer, it’s been accepted by bother buyer and seller for an agreed upon price, and there is a purchase agreement or contract in place. There is then a period of time, usually 7 to 10 days, or longer for the buyer to inspect the property. At this time, numerous inspections can be performed, but the most common are the home inspection and an inspection for wood destroying organisms, or termite clearance letter. Some of the other common inspections buyers get are pool inspections, sewer line inspection with a camera, septic tank cleaning and inspection, well water inspection, water quality testing, mold assessments, etc.

So what happens in many cases after the buyer has their inspection, a second round of negotiations take place to repair any issues the home has, or a reduction in price so the buyer can make the repairs after taking ownership. This can either make or break a pending deal. Sometimes the seller isn’t willing to reduce the price or make repairs, no matter what is wrong. Or if there is a material defect, something that will cost a significant amount of money to correct or can’t be corrected, the buyer isn’t comfortable with moving forward. So it is a very sensitive time during the buying process…

There is a solution that can help reduce the risk of a deal falling through at this time, and that is to have a pre-listing inspection before putting your home on the market. A pre-listing inspection is a full home inspection that will let you know if there are any problems that need to be addressed. Before I became a home inspector I actually used this strategy to sell my home many years ago. I sold my house myself, for sale by owner, but although we were getting a lot of lookers, I wasn’t getting any offers. So I had a pre-listing inspection and it helped me market my home to buyers by showing them what was deficient and the repairs I had made. My roof was aging and had some issues that were glaringly obvious to potential buyers. The home inspector suggested that I install a new roof, in make some other minor repairs, so that it would be more appealing. When I showed my house, I gave a copy of his report, along with receipts for all repairs I had done to buyers. And within a few days had a solid offer on my home that we moved forward with. Having a pre-listing inspection truly gives you a leg-up by letting people know that you’ve cared for and properly maintained your home and it’s something I urge you to consider having to reduce the risk of a deal falling through on the back end of a deal.

Many people who have crawl spaces rarely, if ever, enter their crawl space to take a look at what is happening. There can be many problems lurking in these areas that sellers just aren’t aware of. There can foundation, floor structure, plumbing, heating and air, and electrical issues that can cost a lot of money to repair. If you know about the problems on the front end and have them repaired, you can have some peace of mind knowing that this area of home has been inspected and any problems have been corrected. The crawl space is just one example, but other common, potentially deal breaking problems can stem from problems with the electrical system, plumbing, structural issues, and roof problems… just to name a few.

3. What is the advantage for buyers to get a home inspection?

 

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TOPICS COVERED BY JO GARNER, MORTGAGE LOAN OFFICER

1. How is the best way to prepare to get approved for a mortgage to buy a home or refinance one?

A. First, as we talked about in the beginning of the show, you need to review your bank statements, credit card statements and other places that track your expenses and income. After reviewing what you actually have in income and debts, you can determine the maximum house payment and down payment that is comfortable for you.

B. The higher your credit scores, the lower interest cost you pay. So it pays to keep your credit score as high as you can. A great score is anything over 740 to 850. An average score is between 680 and 739. The minimum score many mortgage companies will allow is between 620 and 640.

C. You are allowed to pull credit on yourself once a year on www.annualcreditreport.com Go ahead and pull your own credit on all three bureaus—Equifax, Transunion and Experian. Check for errors. If there are past due accounts or collections, you may want to contact them and set up a payment arrangement of some type in exchange for that creditor’s agreement not to keep reporting negatively against you while you are trying to build your credit score. higher.Judgments with a court docket number, need to be satisfied.

The website www.myfico.com recommended by Equifax, shows consumers that over 30% of their credit score is made up by what percentage of their revolving credit lines they have borrowed. Generally, if you have revolving credit balances of less than 30% of the total credit line on the card, your scores are much better than if you use over 30%. It is shown that you lose points on your credit score if you owe over 50% of the credit line. In other -words if you have a credit line of $10,000 and you owe over $5000 on the line, it is hurting your credit score

Stay away from 12-months-same-as-cash accounts if you want your credit scores to stay high. These 12-months-same-as-cash accounts score like maxed out credit cards.

Don’t open any new accounts and do not add to balances owed on any accounts until AFTER your mortgage closes. Compliance requires mortgage companies to check to make sure no new accounts have been opened and they are required to check to make sure you still work at your job right before you close.

If you want to know more about how to maintain your credit scores so they stay at the optimal level, I recommend a book on amazon 20 Top Toxic Credit Mistakes People Make by Dan Sater https://www.amazon.com/Top-Toxic-Credit-Mistakes-Destroying-ebook/dp/B00F67S4CS#customerReviews

2. What type documents will the mortgage loan officer request from me?

A. Time to call your tax accountant and time to go online to find those documents that go missing right when you need them. Sort of like your favorite socks—one is missing after going through the washing machine.

Your loan officer will ask for ALL pages of your last two years tax returns. If you own over 25% of a business, have your tax accountant send all pages of the last 2 years tax returns from the business too. Please remember to sent the K-1’s. K-1s are the form that shows your split on income that you get if you are one of multiple owners on the business.

If you have great credit and have been turned down because your bank said you did not show enough income on your tax returns, let’s talk. I start at the back of your tax returns and move toward the front, adding any debt that you show back to income that I can legally add back. No guarantees that I can find enough income, but I guarantee I will try. There are several self-employed customers with great credit but no showing a lot of income on page one of the tax returns, and I have been able to find income for them in the back pages and approve their loan.

B. Tell story of Mr. Windham –self-employed and turned down by two banks and where I found income for him in the back pages of his tax returns.

3. What type income will count for qualifying for the mortgage and which income will not count?
A. A good loan officer will ask you what method your employer uses to pay you. If you get a guaranteed salary and the employer deducts income taxes and FICA, your income is probably okay and can fully be counted

B. If you are hourly and your employer guarantees a minimum of hours per week and deducts federal income taxes and fica and you get a W2, your income can probably be counted to qualify for the loan

C. If you are subcontractor getting a 1099, you must show a two year track record of receiving 1099 income for it to be counted. If you write off expenses against that income, then you can use only the net income to qualify for a mortgage

D. If you receive retirement income, there are a number of ways mortgage companies can use to verify each source.

E. If you have need a cosigner to have enough income to qualify for the mortgage, make sure the specific loan program you are using allows cosigners. Also remember that, if the mortgage company uses the income of the person cosigning for you, they will also require that person’s credit to be acceptable. The mortgage company will also count the cosigner’s debt along with yours when calculating the total income-to-debt ratio. So a good cosigner has good income, not a lot of debt and good credit.

4. What documents does the mortgage company need to verify my assets?
All pages of your last 2 months bank statements. Send all the pages even if one is blank.
Hint to the wise: Most mortgage programs require that you provide written proof of the source of any large deposits. If you can write the earnest money from an account with no large deposits and no transfers to an account with large deposits, you will save yourself some time.

On some mortgage products you can use family gifts to fund your real estate purchase unless you are buying investment property. But your family member will need to show documentation on the source of the gift.

You can use down payment assistance if you quality for any special programs to help you get into a home very nothing or very little money out of pocket.

Also let’s talk about some 100% mortgage programs

Other stuff to pull out of your file cabinets and safe:

Make a legible copy of your drivers license.

Dust off the divorce decree and the marital dissolution agreement ( if that applies to you)
Rifle through the back of your file boxes for the bankruptcy papers if that applies to you. Ask your bankruptcy attorney for a copy if you can’t find yours.

If you own real estate, scan copies to your mortgage officer of the homeowners insurance information, the real estate property tax document showing the amount of taxes on each property and that the taxes are paid
Documents on any association fees associated with the property. And of course, if you have a mortgage, send the latest mortgage statement and copies of the tenant leases.

 

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REAL ESTATE TIP OF THE WEEK (Kevin Yee shares some free stuff you can get from Tennessee Valley Authority):

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ANNOUNCEMENTS:

Talk Shoppe offers free networking & education to anyone interested in real estate or in business. Talk Shoppe meets every Wednesday 9A-10A CT at Pinot’s Palette 8225 Dexter Rd Cordova, TN. This Wednesday October 3rd, 2018 Talk Shoppe presents: “Discover, Develop, Implement Your Business—Your Story” with Sherri Motes from Come Into Your Own (901) 314-9437
Talk Shoppe events are free thanks to advertisers like Leah Anne Morse of All Things New—organizing, downsizing, design for people and families making lifestyle changes. Call Leah Anne at (901) 488-9733 www.allthingsnewwtn.com

2. Thank you also to Mary Lou Nowak of Mid-South Home Helpers for financially supporting Talk Shoppe. Mary Lou knows what to do to care for your loved ones who need non-medical assistance to help them live comfortably and safely in their own homes. (901) 414-9696 www.homehelpershomecare.com

4. Subscribe at www.JoGarner.com and you can get our weekly blog posts with podcasts conveniently in your inbox.

5. Real Estate Mortgage Shoppe reminds you to MAKE YOUR PLAN. LET’S WORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, DO IT TODAY.
SPECIAL NOTE: REAL ESTATE MORTGAGE SHOPPE RECOMMENDS THAT YOU CONSULT WITH A FINANCIAL, LEGAL OR OTHER CERTIFIED, LICENSED PROFESSIONAL BEFORE ACTING OR INVESTING ON ANYTHING YOU HEAR OR SEE FROM THE CONTENT ON THIS SHOW OR BLOG POSTS. THE INFORMATION WE SHARE ON REAL ESTATE MORTGAGE SHOPPE IS GENERAL IN NATURE MEANT FOR GENERAL EDUCATIONAL PURPOSES ONLY. ALL EXAMPLES GIVEN FOR ILLUSTRATION PURPOSES ON REAL ESTATE MORTGAGE SHOPPE USE FICTIONAL CHARACTERS AND DO NOT REFLECT REAL PEOPLE OR ACTUAL DETAILS IN ANY OF THE SITUATIONS.

 

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QUOTE CORNER:
Helmut Schmidt “The biggest room in the world is for Improvement”
Arnold Palmer “The road to success is always under construction.”

 

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REJOINDERS:

1. Clint Cooper of Redeemers Group in Memphis, TN (foundation and basement repair) www.redeemersgroup.com
2. Jeri Jeffries, Tiger Paws Carpet Cleaning in Memphis, TN www.tigerpawscarpet.com
3. John and Jennifer Lawhon of Landscaping Germantown, TN (901) 754-7474
Transitional Music:
“The Talkin’ Song Repair Blues” by Alan Jackson; “Handy” by Weird Al Yankovic; “Get Ready” By Temptations; “Taking Care of Business” by Bachman Turner Overdrive for the Talk Shoppe Business tip for Real Estate Pros

 

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ABOUT KEVIN YEE, SAVE ENERGY SOLUTIONS

(901) 240-4677
Save Energy Solutions, LLC (901)

Kevin Yee founded Save Energy Solutions (SES) in 2007 in search of ways to reduce energy usage for home owners. Before this, he spent over 15+ years as a Professional Engineer in various engineering titles: Industrial Eng’r, Packaging Eng’r, Manufacturing Eng’r, & Plant Engineering in the Commercial Industry. With his technical background, He easily crossed over to the study of Building Science and Home Performance Industry. As of June 2012, he passed the TN State HVAC exam and registered as a TN Licensed HVAC Contractor #65878.

Committed to continuous knowledge in the HVAC industry, he contracted with many HVAC business and Home Performance companies. He obtain National Certification as a Certified Professional from BPI (Building Performance Institute, Inc.) and a Certified Quality Contractor from TVA EnergyRight Solutions. Instead of improving “efficiency / quality in PLANTS”, he now working on improving “efficiency / comfort / safety in HOMES”.

He did extensive research, taking many Building Science classes /seminars and on-hands training from various national organizations.

Today, he openly share his knowledge and uses his experiences to improve many homes Indoor Air Quality in the Mid-South. Many customers’ breathing problems has made dramatic improvements. NOTE: Many homes that has insulations made of Rock Wool, caused noses bleed and headaches. After we sealed their duct system, they do not have this problem.

Full Service Duct Cleaning Company: Full Contact (brush & vacuum) and Negative Cleaning Process (high pressure air hose & Vacuum).

Full Service Duct Sealing Specialist. All locations: Attic, Basement, Crawlspace, Underground, Behind Wall.

Home Air Sealing: Home Envelope Structure: Top Plate, Recess Light, Plumbing Pipe, Electrical / Video hose, drop ceiling, open cavity.

Specialized Service Training:
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Air-Care – Factory Trained and Certified (Residential and Commercial Duct Cleaning)
Aeroseal – Factory Training & Certified (Residential Duct Sealing)
BPI – Home Performance Home Audit & Envelope Professional Certification
TN HVAC Contractor License – CMC-C Mechanical HVAC / Refrigeration
Efficiency First – home performance training webinars on today’s industry changes
Building Performance Institute (BPI) training webinars on home performance changes
TVA – Home Performance QCN Training , Heat Pump Training, Weatherization Training
Ruud Refrigerant 410A Course
Career Training Institute – 2007 HVAC Graduate: (RSES Approved)
Zerodraft – Air Barrier Sealant and Weatherization Seminar and Training program
EWC – Zoning Technology Training Class
Flir Preventative Maintenance Seminar (Thermography Training)
Mainstream 608 Universal Refrigeration Certification license
AHR Dallas Expo – Building Science Classes
ACCA Fundamentals Load Calculation & Certification
ACI New England Conference – Building Science Classes

Kevin has a strong knowledge of the “whole-house approach” from attending seminars and classes as well as hands-on experience in many homes, helping home owners improve their indoor air quality and save money on their utility bills. See our Test Result Page and read the customer’s comments.

 

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Brandon Thompson, Home Team Inspections

Direct (901) 848-2388
Appointments (901) 562-0988
TN Home Inspector License#: 1553
ASHI Member#: 263050
NACHI Member#: 17020732
HomeTeam Inspection Service – Memphis

Brandon Thompson – owner of HomeTeam Inspection Service Memphis. I am a member of ASHI (American Society of Home Inspectors) and NACHI (International Association of Certified Home Inspectors), Memphis Area Association of Realtors, Women’s Council of Realtors, BNI, and I’m a licensed home inspector in the state of TN.

HomeTeam Inspection Service is the leading home inspection company in North America. For more than 20 years, home buyers, home sellers, and real estate professionals have recognized HomeTeam for being fast, trusted and accurate. And just as the name implies, we make every inspection a team effort. Because your time is valuable, we bring a team of professionals to your home inspection. This assures you of an efficient and thorough inspection.

I’ve lived in the Memphis TN area since 1998 and have spent the last 19 years working full-time for the Air National Guard as an IT Specialist. I earned my degree in Business Management from the University of Memphis with a minor in Real Estate Finance. My love for real estate started early on while working with my father on a couple of remodeling projects and developed over the years as a home owner and DIYer. I’ve always wanted to work for myself and I wanted do something to help people. I love the fact that I’m able to help buyers make one of the most important decisions of their life.

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ABOUT JO GARNER-MORTGAGE LOAN OFFICER:

WHAT DO YOU WANT TO ACCOMPLISH WITH YOUR MORTGAGE?
www.JoGarner.com (901) 482 0354 jo@jogarner.com twitter @jogarner NMLS# 757308

“Whatever YOUR personal priorities are, my job is to help you get the mortgage terms that will give you bragging rights when you talk about it and help you score on hitting your goals .”
As a mortgage loan officer, my job is to help you get to the benefits you want from your financing terms. What is most important to you? I can help you find the financing terms that will help you get to what you want. What is your comfort level on a house payment? How much are you comfortable paying down,? What type of financing do you need to get the house you want to buy or refinance?
Different clients have different priorities in life—some are buying their first home with very little down payment funds. Some are recovering from medical challenges, divorces or preparing to send children to college and some are embarking on a long term goal of buying properties to build rental income.”

Jo Garner is a mortgage officer with extensive knowledge in tailoring mortgages to her customers who are refinancing or purchasing homes all over the country. She offers conventional, FHA, VA or other loan programs for refinancing and purchases.

Jo can help you look at rent vs buy, when it makes sense to refinance, how to get the best deal on your home purchase financing.

Jo Garner has been in the real estate/financing business for over 20 years. She got her start in Portland, Maine where she first began her real estate career. She received her real estate education from the University of Southern Maine and was personally mentored in San Diego, California by Robert G. Allen, author of Nothing Down, Creating Wealth and The Challenge.

On moving back to West Tennessee in 1987, she went into business buying and selling discounted owner-financed notes secured on real estate. In 1990 Jo went to work for a residential mortgage company and has been a mortgage loan officer for over 20 years. Her goal is to offer excellent, affordable service to her customers, tailoring the loan programs to the specific needs of her clients.
In addition to her work in the mortgage field, Jo Garner is the primary sponsor and founder of Talk Shoppe in Memphis. www.TalkShoppe.com She was also the editor of Power Shoppe, a free weekly e-zine designed for real estate professionals and others indirectly connected to the real estate industry and currently publishes on her blog www.JoGarner.com

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