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On this Easter/Passover weekend we Mark McLaurine and I will be sharing how to enjoy the Goldilocks Effect when it comes to your heating and air system. What to do to prevent breakdowns and what to do in the first hour when it stops working properly. I will be sharing some questions to ask yourself and your loan officer to make sure you have the best financing that feels just right

What do YOU want to accomplish with YOUR mortgage? Let’s talk about what it will take to get you that “just right” feeling on your mortgage terms. Subscribe at and we will email to you our weekly podcasts with the show notes.

To Your Success,
Jo Garner, Mortgage Loan Officer NMLS #757308
(901) 482-0354




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 Our general topic is MAINTAINING A COMFORTABLE LIVING ENVIRONMENT WITH YOUR HVAC & YOUR MORTGAGE TERMS—GETTING THE ‘JUST RIGHT’ GOLDILOCKS EFFECT. Thank you to John Brawner of Mortgage Lending Partners-powered by HomeVantage. Build your brand as a mortgage loan officer with support from an excellent team. Call us and let’s talk about your mortgage career. Subscribe to get our weekly blogposts with podcasts at Call us while we are live at (901) 535-9732 Today is April 20th, 2019.

On this Easter/Passover weekend we Mark McLaurine and I will be sharing how to enjoy the Goldilocks Effect when it comes to your heating and air system. What to do to prevent breakdowns and what to do in the first hour when it stops working properly. I will be sharing some questions to ask yourself and your loan officer to make sure you have the best financing that feels just right



Today in the Real Estate Mortgage Shoppe studio, we have Mark McLaurine of Refrigeration Unlimited—also known as the Heating and Air Strategist. Mark, you have an excellent reputation with so many of my friends and clients who have used you to fix problems with their heating and air systems. Tell our listeners a little about yourself and what Refrigeration Unlimited does for your clients? What sets you apart from a lot of other Heating and Air repairmen? (Mark introduces himself and talks about what Refrigeration and Unlimited does for his clients)



(Jo) Mark takes care of our heating and air system so that we come home to a house that feels “just right” during summer or winter. As a mortgage loan officer for over 25 years, I can remember SO MANY stories from mortgage customers who, like the story of Goldilocks and the Three Bears, went looking for a home that would be “just right” for them.

Let me introduce you to Sheree Shinolt. Sheree made a promise to herself a long time ago to put a priority on making the EXPERIENCE in life the best possible for herself and others instead of just trying to make a lot of money. After college, Sheree moved back into the bonus room at her parent’s house to save some money and spend a little more time finding herself and establishing herself in her career.

She and a close group of friends took some memorable vacations to see the world, and Sheree was still able to save some money since she lived with her parents. Simply saving money was not really going to be enough, though. Sheree knew, in order to afford to live her life the way she envisioned it, she needed to invest in things that would build her wealth over time. But how?

Two years later Sheree was excelling in her hi-tech career and it looked like she might be getting married soon. She realized that owning her own home would give her a launching pad to building wealth for herself and future family. Buying a home and locking in a 30-year fixed rate mortgage would eventually allow her more and more discretionary money as her income increased and the mortgage principal and interest payment stayed the same. She would be building equity in a home too. She could use some of the discretionary money for vacations and experiencing other adventures on her bucket list.

When Sheree found me online and started her mortgage application is when I got to know her better. Later in this show, I plan to share some questions that Sheree answered for herself to find the mortgage terms that felt “just right for her.” I believe some of those same questions can help YOU find the mortgage that feels “just right” for YOU. 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. Connect with me at Email me at or just call me at (901) 482-0354.

(Jo) Mark McLaurine, having a home that feels perfectly cool in the summer and perfectly cozy in winter is one of the top priorities for experiencing a happy home. Take a moment and share with us some tips on what to do to maintain our HVAC system so the temperature remains “just right.”
(Mark takes a moment and talks about Cleaning, Checking Air Flow, Checking Freon Levels—Maintain, Repair or Replace—is what Mark McLaurine can do for you).

You’re on Real Estate Mortgage Shoppe. I’m Jo Garner, your host, Mortgage Loan Officer. Connect with me at or call me at (901) 482-0354. When we come back Mark McLaurine of Refrigeration Unlimited will be sharing some tips and stories to help your heating and air system continue to keep your home feeling “just right.”


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 (shoppe) For our Talk Shoppe Business Tip today we have Talk Shoppe advertiser Gina Davis of Save yourself a lot of time when you want to get in front of your target markets face-to-face. Gina at Find Vendor Booths does the research for you so you don’t have take your time to find vendor booth opportunities to get in front of your customers. Subscribe at Gina Davis of,
what is our Talk Shoppe Business Tip for Real Estate Professionals today? Gina shares her tip to real estate professionals (about 1 minute)
Three reasons to set up a vendor booth- (1) Sell your product (2) Build leads (3)Build visibility and credibility in the community.

The best festival or event for you to promote your business is an event that will have your target customer congregating at that location.

Questions answered by Gina:
1. What is your ideal customer for using ?
2. How do we contact you?





Topics include discussing Getting the air conditioning ready for a hot mid south summer. We address the 5 things that can take an ac system down also changes in the furnace world that will require individuals and business to install more “economy minded” fan drive furnace systems and finally explaining our “three prong approach” to service which addresses proper maintenence in a timely fashion, repairs vs replacement on aged systems and replacements with fine carrier products with accessories such as air purification systems that neutralize and aid removal of bacteria, mold and mildew that grow on surfaces and that are detected airborne. Hope this is what you were asking for.

Yours in service,
Mark McLaurine
Refrigeration Unlimited LLC

1. Talk about the three-pronged approach you use to taking care of your clients’ heating and air systems.

2. What are some tips you can give homeowners to help keep their air conditioners working throughout the summer? Change filters every 6 months. Check drain pipe to make sure any fluids are working. Have professionals clean your unit to it does not overheat and catch on fire or cause any other problems Keeping the electrical system and components working well and keeping the filter clean and the system clean can help your HVAC system last a lot longer without problems.

3. What are some tips you can give homeowners on what to do when the air conditioner stops working? When your Air conditioning system is turned on but it is not cooling, do NOT turn the thermostat lower. Turn the air conditioning off and turn the Fan ON to defrost the unit. Call Mark and the lines to your HVAC system will be mostly defrosted so that he can make the quick fix for you.

4. What sets you and your company apart from other heating and air companies? Mark is passionate about his craft and serving his customers. He wrote a short handbook explaining how your system generally works and some of the things that can be done to trouble shoot problems with it. The handbook also includes some items you can do to keep your system running without problems. Mark works regular time and overtime and on the weekends.

5. Share some short stories (without revealing the identity of real people) that illustrate some of the points you are making.
Mark tells the story about the customer whose restricted air flow system caused her unit to overheat and catch fire.





1. How do you decide what is “just right” when you apply for a mortgage?
A. One of the first steps in making a decision to buy a house or get a mortgage is to ask yourself-
– “WHY do I want to buy a house and get a mortgage? ”

Earlier in the show, I introduced you to Sheree Shinolt, who made a promise to herself a long time ago to put a priority on making the EXPERIENCE in life the best possible for herself and others instead of just trying to make a lot of money.
After college, she moved back in with her parents until she got her career underway, but Sheree realized that living with her parents or paying rent somewhere else would not build wealth like owning her own home could build.

The 30- year fixed rate principal and interest payment on a mortgage would keep her house payments steady over the next several years instead of having a landlord go up on the rent year after year. The fixed rate mortgage would eventually allow her more and more discretionary income to plunge into some of the adventures still waiting on her bucket list.
She definitely wanted to buy a home but how could she do it without feeling stuck?

Here are some other questions Sheree and I went over before she completed her mortgage application-

– “What benefits will this decision give me?”
– “What disadvantages will I have to overcome?’
– “Are there a different solutions that would get me the benefits I want without as many disadvantages?”
– “How long do I plan to live in this geographical area?”
– “If I bought a home and then needed to move out or away from the area, what are the exit strategies available to me?”

B. Sheree had firmly established in her mind the purpose—the strong WHY for wanting to buy a house and get the right financing. Some key solutions unfolded for her as we got to the end of the questions I was asking her from the Get-It-Right-The-First-Time-Mortgage-Checklist:
BY: Jo Garner, Mortgage Loan Officer NMLS# 757308
(901) 482-0354 Secure online loan application

1. What is the maximum house payment I can afford right now?

A. Several financial gurus say that your total house note including principal and interest, taxes, homeowners insurance, and/or mortgage insurance and homeowners association fees needs to be between 25% and 30% of your gross income. Your total income-to-debt ratios, including the new house payment and payments on other debt does not need to exceed 38% to 45% of your gross income.

B. Mortgage underwriting software can sometimes approve you income-to-debt ratios of 45% or upwards to 55% of your gross income. Stay within your PERSONAL comfort level though, regardless of what the mortgage software tells you.

C. Consider where you plan to be in the next year, the next five years, and the next ten years.
• Are you planning to retire? What will your income be when you retire? Will you still be living where you are living now?

• Are you planning to get married? Do you plan on expanding your family? Do you plan on taking an aging family member into your home? How much do you estimate your living expenses go up? Will your income likely increase too? How much?

• Are you just getting started in your career? Is it likely your income will go up? Will you need to relocate? How long is it likely you will keep the house? What would it cost to rent versus buy a home like the one you want?

• Do you own a house with a lot of equity that you plan on selling within a year of buying the new house? Do you plan to make a very large prepayment to principal once you sell your old home?
-Try doing a bridge loan so you can enjoy the benefits of a much lower payment on your new home without having to sell your old home right away
– If you decide to close on your new home first and then, later sell your old home, here is an example of how that can work for you.

Do you plan on starting your own business or acquiring income-producing real estate? This might require you to keep your mortgage payment low so that you can afford to finance other investments.

2. What is the maximum down payment that is comfortable for you?

Several financial gurus say that if you enjoy a stable, salaried job, you probably need about 3 months of living expenses in an emergency fund. But, if you are self-employed or get a 100% commission income, you probably need about 1 full year of living expenses in an emergency fund

3. What kind of property are you purchasing?








A. If the property is a fixer-upper with lots of needed repairs, you may want to consider a Renovation and Repair loan so you can finance some of the repairs.

B. Is the property you are purchasing going to be your primary residence, a second home or a rental property?
C. Is the property you are financing a condominium or a manufactured home?

D. Is the property located in a place where special financing is available?

4. What special mortgage programs are available to you specifically?

A. Are you a military veteran? Are you eligible for the Veteran Administration 100% VA home loan?

B. Are you a first-time homebuyer, not having your name on title to real estate within the last 36 months? There may be down payment assistance programs available to you, even if you are not a first-time homebuyer.

Before we go to question # 5 about Exit Strategies on the Get-It-Right-The-First-Time-Mortgage-Checklist, let’s go back to Sheree Shinolt’s story:

(Sheree was strongly motivated to buy her home for the reasons we pointed out earlier. But, she needed to overcome some disadvantages like feeling stuck and trapped in a home that she may one day want to leave or need to leave. She wanted all of the benefits and wealth building abilities of owning a home, but not the part where she would feel stuck.
Sheree jumped right into developing multiple exits strategies so that if she ever needed to sell her home or, even if she couldn’t sell, she still had options for making money without having to sell the home if she didn’t want too. Sheree was a happy mortgage client at closing when she purchased her home. Sheree, the realtor and me all worked to make sure that Sheree put in place all three of the following Exit Strategies below )

5. What methods can we use to develop more than one exit strategy?

A. Is the property in an area that is going up in value? If you really needed to sell the home one day, you could probably do it profitably if the value is stable or headed upward.
B. Is the property in an area that is a strong rental market? In a pinch, you could possibly rent the house and get a nice income from the home.
C. Is the mortgage you have an assumable loan? If mortgage rates go up, one day someone may be willing to pay you good money to have the opportunity to quality to assume your low interest rate mortgage when they buy your home.
What do YOU want to accomplish with YOUR mortgage?





(Mark McLaurine shares a real estate related money-saving or time-saving tip):





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 April 24th, 2019 9A-10A at Pinot’s Palette 8225 Dexter Rd Cordova, TN. Talk Shoppe invites to you be a part of the Mastermind Principle based on the book Think And Grow Rich by Napoleon Hill.

Talk Shoppe events are free thanks to supporters like Tim Gilliland of When you need to recover lost data on your computer, you will feel very thankful when you call Tim at BackupRX and simply download all your data and system files immediately when you need it. Contact BackupRX about getting your data automatically backed-up at
Thank you Mary Lou Nowak of Mid-South Home Helpers –non-medical assistance for your loved one so they can remain safely and comfortably in their own home. Mary Lou serves with the Professional Network on Aging. Sign up for their Senior Citizen’s Prom at the Lichterman Nature Center April 28th.

2. Enjoy your Easter Weekend!

3. Thank you to John Brawner of Mortgage Lending Partners-powered by HomeVantage. Build your brand as a mortgage loan officer with support from an excellent team. Call us and let’s talk about your mortgage career.

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





Napoleon Hill “Don’t wait-The time will never be just right”
Anononymous “ The happiest people don’t have the best of everything, they just make the best of everything.”





1. Joe Rojas, Quality Title Group, Memphis, TN 901 289-5821
2. Eric Eurich, Kaizen-award winning business coach with
3. Brandon Thompson, home inspector with HomeTeam Inspection Service (901) 848-2388

Transitional Music: “When You’re Hot When You’re Hot” Jerry Reed; “Hot N Cold” by Katy Perry; “I Feel Good” James Brown; “Taking Care of Business” by Bachman Turner Overdrive for the Talk Shoppe Business Tip For Real Estate Pros





Do you need help with your heating, cooling or refrigeration problems?
Mark McLaurine is a certified, licensed and insured universally approved technician in Memphis who can quickly diagnose and repair appliances in a cost-effective manner. We also offer other services that are often related such as:
• Plumbing issues and repairs
• Electrical circuitry and repairs
• Ventilation issues and repairs
• Indoor air quality services and related products
• Sewer and drain services
• Mechanical and gas piping services
• Filter contracts
• Appliance repair and installations
No repair is too small!
Prompt and friendly service in a timely manner is the key to our success. Our reputation depends on you as our valued customer. We have also found by giving customers options, (repairs vs. replacements) it benefits all involved. We possess a good inventory of refurbished air conditioning and heating equipment for sale as well as installations in the greater Memphis area.
Our two signature programs are as follows:
• Cash trade-in for working, non-obsolete equipment
• Referral Rewards Points for satisfied customers that recommend us to others or allow themselves as a reference on a related service at our website.
At Refrigeration Unlimited, we believe we are taking service and the satisfaction desired to a whole new level. Call us for any appliance repair.

©2017 Refrigeration Unlimited, LLC



EPA Certified Tech TN #55144 • MS #ABOUT GINA DAVIS,

To learn more check our website. To get business growth & marketing tips, Sign up for our newsletter. Click to hear this podcast

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WHAT DO YOU WANT TO ACCOMPLISH WITH YOUR MORTGAGE? (901) 482 0354 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 25 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 25 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. Jo Garner also host the radio show Real Estate Mortgage Shoppe airing on News Radio AM 600 WREC and iHeart Radio with podcasts and show notes published on

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