DOWN PAYMENT ASSISTANCE- WHEN YOU NEED SOME HELP BUYING YOUR HOME-SWEET-HOME

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DOWN PAYMENT ASSISTANCE- WHEN YOU NEED SOME HELP BUYING YOUR HOME-SWEET-HOME

Sometimes, in order to reach a goal like buying your own home, it takes, just a little help from you friends, family or a great down payment assistance program. Today on Real Estate Mortgage Shoppe, you will get some ideas on how you or someone you know can use down payment assistance to buy a home. We will be sharing some stories of people who are happily living in their own home today because of a down payment assistance program.

Do you want to buy your home? Who do you know that wants to buy a home, but may need some assistance with the down payment? Let’s talk! Call me at (901) 482-0354. You can also connect with me by email Jo@JoGarner.com or with my online loan application https://www.homevantage.com/loan_officer/jo-garner

Subscribe to get Real Estate Mortgage Shoppe podcasts with show notes at www.JoGarner.com

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 DOWN PAYMENT ASSISTANCE- WHEN YOU NEED SOME HELP BUYING YOUR HOMESWEET-HOME. Subscribe to get our weekly blogposts with podcasts at www.JoGarner.com. Call us while we are live at (901) 535-9732 Today is June 8th, 2019.

Sometimes, in order to reach a goal like buying your own home, it takes, just a little help from you friends, family or a great down payment assistance program. Today on Real Estate Mortgage Shoppe, you will get some ideas on how you or someone you know can use down payment assistance to buy a home. We will be sharing some stories of people who are happily living in their own home today because of a down payment assistance program.

INTRODUCING ISRAEL HENRY OF SHELBY COUNTY (TN) DOWN PAYMENT ASSISTANCE

Sitting in the co-host chair today we have Israel Henry, Finance Manager of Shelby County (TN) Down Payment Assistance Program. Mr. Henry has been serving with the Shelby County (TN) Government for about 19 years. His current role is Finance Manager of the Department of Housing. One of his primary duties is management of the Shelby County Down Payment Assistance Program. Israel Henry is also a real estate agent with over 20 years experience.

Mr. Henry, please tell our audience a little about yourself and what the Shelby County Down Payment Assistance Program does to help people and families purchase their home sweet home. (Israel Henry has about 1 minute to intro himself and Shelby County DPA)

(Jo) We are going to be hearing more about the Shelby County Down Payment Assistance program and more later in the show.

TRAUMA TO TRIUMPH

Sometimes, during the time I get to work with my clients, I have the privilege of hearing some of their back story. When you know some of a client’s personal story, it helps you appreciate even more their journey to finally achieving homeownership.

This was certainly the case with Alia Abbey, a single woman who sounded over the phone like she really wanted to buy her home but kept trying to convince me it would never work out. When I talked to her the first time she said, “Look, I am calling you because I found a house that would be perfect for me. My realtor told me to call you to get preapproved, but I don’t believe I can really buy a house. Every time I have tried in the past, some catastrophe hits my life and the deal falls through. So… I gave up a long time ago.”

Alia (not her real name) had okay credit and good steady income, just not money to pay for the down payment. She did not know about the down payment assistance programs available to her. When she and I looked at her projected monthly payment and very small amount needed for her to pay at closing with an assistance program, for the first time she allowed herself to get excited. As we got closer to closing she began to start giving up again. Trying to figure whey she was ready to sabotage her chance to own a home, I started asking questions. She shared about her traumatic childhood experience when the home where she and her family lived was destroyed by a catastrophic event. With the encouragement of her friends at work, her realtor and of course our mortgage team, this lady went to her closing and laughed, then cried (for joy) and then laughed again. Buying her own home with the help of a down payment assistance program and her real estate professionals, the day she closed on her home was a positive turning point for Alia Abbey.

Do you want to buy a home but just need a little help with the down payment? Who do you know today that would like to buy their own home but just needs some help with the down payment and closing costs? MAKE YOUR PLAN. LET’S WORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, LET’S DO IT TODAY. Connect with me at www.JoGarner.com. Email me at Jo@JoGarner.com or just call me at (901) 482-0354.

(Jo) Mr. Israel Henry, we have a few minutes before our next break. Please jump in and share with us an overview of the Shelby County Down Payment Assistance Program for homebuyers.

(Israel Henry shares an overview of how first-time homebuyers can use the Shelby County Down Payment Assistance Program to purchase a home

You’re on Real Estate Mortgage Shoppe. I’m your host, Jo Garner, Mortgage Loan Officer. 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 Israel Henry, Finance Manager of our Shelby County (TN) Down Payment Assistance Program will be sharing how to use this local assistance program. See you back in just a moment.

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2nd segment after 9:15 break: Our Look Back Memphis Trivia Contest is brought to you by notable Memphis historian, Jimmy Ogle. Jimmy Ogle offers free historic walking tours downtown in the spring and fall. For information about Jimmy Ogle, go to www.JimmyOgle.com . The Look Back Memphis Trivia Contest is sponsored by John and Jennifer Lawhon of Lawhon Landscape (901) 754-7474 the Lawhon’s can help you plan your landscaping if you have a BIG, BIG project or a smaller project . The Lawhons are giving away a $25 gift card to the first person with the correct trivia answer. If you know the answer to our trivia question, call us at 901 535 WREC 901 535-9732.

Garner # 156 * 06/08/19

Ernest Withers

Question: I was one of the first African-American officers in the Memphis Police Department in 1948, then later developed career in photography which made me famous the world over. Who am I?

Hint: I have authored five books and have my exhibits have traveled the nation.

Hint: I took over 1.8 million photographs of life in and around Memphis over a 60 year period from 1940s-2007.

Final Hint: There is a gallery in my name with displays of my works and galleries on Beale Street Who am I?

Answer: Ernest Withers. After graduation from Manassas High School in 1941, Withers joined the army. He attended the Army School of Photography and later operated a freelance business photographing white soldiers stationed in Saipan. Following his discharge, Withers purchased a photography studio in Memphis with help from the GI Bill. Throughout the 1950’s, Withers was, in his own words, ‘a news photographer’, ‘recording events that were taking place.’ Momentous events were occurring and he recorded them for African American newspapers across the country. During the 1950’s and 1960’s, Withers traveled throughout the South with Dr. Martin Luther King Jr., James Meredith, Medgar Evers and other leaders of the Civil Rights movement. He provided images that made the dramatic stories of the era – a vivid Dr. King riding the first desegregated bus in Montgomery, murders of Civil Rights workers, voter registration drives, and the powerful Memphis Sanitation Workers Strike. The result is an encompassing and moving chronicle of the great American crusade of the second half of the Twentieth Century.

His work provides an insider’s view of the Beale Street music scene at the point when Americans – black and white, began to recognize it as a musical Mecca. For more than a century the city had attracted rural African-American migrants who brought their music. Gospel, blues, rhythm and urban dance music rang out from churches and Beale St. clubs. On Saturday nights, Withers photographed audiences at the clubs for a dollar-fifty a shot. He photographed many musicians he knew well. As he did so, the nation’s first radio station with all black programming enabled a wider audience that included young Elvis Presley to hear B.B. King, Ray Charles and a host of others. Ernest Withers loved baseball as he loved music. Withers recorded the Memphis Red Sox and the collapse of the Negro League, which occurred, he said, as the result of changing times. In this case, as with his chronicling of Martin Luther King’s crusade or of Beale Street, Withers’ more than 50 years of images validates the message emblazoned on his business card: PICTURES TELL THE STORY. Withers Collection, 333 Beale Street. 901-523-2344 thewitherscollection.com

Jimmy Ogle will be giving FREE Walking Tours in Downtown Memphis during on Thursday, Friday & Saturday, June 13-14-15 at 11:00 a.m. & 1:00 p.m. Go to JimmyOgle.com for more information.

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TOPICS COVERED BY ISRAEL HENRY, SHELBY COUNTY DPA PROGRAM MANAGER

  1.  Shelby County Down Payment Assistance Program Overview (Buyer Perspective)

  1. Amount of funds available

  2. The terms of the assistance loan

  3. Buyer Investment

  4. Income Guidelines—Income-to-Debt Ratios—Maximum Allowed Reserves

  5. Homebuyer Counseling

  1. Shelby County Down Payment Assistance Program Overview (Lender Perspective)

  1. Documentation Requirements

  2. Evaluation Process

  3. Approval Process

  4. Closing Process

  1. Homebuying Process: Tips For A Smooth Experience

  1. Lender Preapproval

  2. Importance of Acquiring A Real Estate Professional

  3. Choosing A Home

  4. Closing The Deal

  1. Importance of Homebuying Counseling

  1. Setting A Budget

  2. Maintaining Good Credit

  3. Determining Best Mortgage

  4. Knowing The Best Loss Mitigation Options Available In Case Issues Arise That Threatens The Buyer’s Ability To Make Payments

  5. Rent vs Buy-Determining the best course of action

  1. Home Rehabilitation Grant Funds

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TOPICS COVERED BY JO GARNER, MORTGAGE LOAN OFFICER

  1. What are some other down payment assistance mortgage programs that are available to home buyers?

  1. According to the Real Estate Today show through the National Association of Realtors, 90% to 95% of people needing down payment assistance to buy a home, do not know there are programs to help home buyers with the down payment .There are other down payment assistance programs available to first-time home buyers in other states other than Tennessee. Most of them have restrictions, similar to the programs we have been discussing today. If you want to know more, Google “Down Payment Assistance” and the name of YOUR state and you should hit the jack pot. Many metropolitan cities have their own down payment assistance programs with certain restrictions. ask an experienced, reputable realtor in your area what programs THEY recommend. They usually what programs are good and which ones may be not so advantageous.

You can also check with Rob Chrane at Down Payment Resource, supported by Housing Finance Agencies across the country, for assistance programs in YOUR city and state. http://downpaymentresource.com/about/leadership/

  1. Shelby County (TN) Down Payment Assistance Program-

(Israel Henry covers this program in more details on the podcast)

  1. City of Memphis (TN) Down Payment Assistance Program-

The City of Memphis, Tennessee has several different down payment assistance programs to help with down payment assistance for home buyers buying a property in the city limits of Memphis.

The City of Memphis, Tennessee has several different down payment assistance programs to help with down payment assistance for home buyers buying a property in the city limits of Memphis.

Some of the programs require the borrowers to be first-time homebuyers and most have a household income maximum limit. The special program for Police, Firemen and Teachers does not have a maximum household income limit.

For more about the multiple programs available through the City of Memphis Down Payment Assistance programs, go to https://www.memphistn.gov/government/housing_and_community_development/dpa/

For more about the multiple programs available through the City of Memphis Down Payment Assistance programs, go to https://www.memphistn.gov/government/housing_and_community_development/dpa/

  1. TENNESSEE HOUSING DEVELOPMENT AGENCY-

  • Excerpts from www.THDA.orgAs Tennessee’s housing finance agency, the Tennessee Housing Development Agency (THDA) provides fixed rate mortgage loans for first-time homebuyers, promotes the production of new affordable housing units for households of very low to moderate-income, promotes the preservation and rehabilitation of existing housing units for such persons, and brings greater stability to the residential construction industry and related industries so as to assure a steady flow of housing production. Established by the General Assembly in 1973, THDA has evolved and grown to serve Tennesseans in many ways: providing grants to preserve and create homes, offering rental assistance on several different levels, assisting in the creation and maintenance of rental housing, providing educational opportunities, and helping other State agencies with housing missions to solve problems and save taxpayers’ money. For more information about THDA visit the About THDA page.

  • Great Choice and Great Choice Plus

Great Choice offers a low fixed rate 30-year first mortgage loan. Great Choice Plus combines the Great Choice first mortgage with the Plus, providing the borrower with up to 5% of the sales price for down payment and closing cost assistance. The Great Choice Plus second mortgage loan has a 0% rate with no monthly payments. Learn more about Great Choice and Great Choice Plus.

Max sales price in Memphis and Shelby County TN- $250K

Max household income for 1 to 2 people in household over 18 years old- $66,584/year

Max household income for 3 or more in household over 18 years old- $76,572/year

-Homeownership for the Brave

The Homeownership for the Brave program offers a 1/2-percent reduction on THDA’s Great Choice first mortgage loan for active and retired members of the military. Learn more about Homeownership for the Brave.

  • THDA Hardest Hit Fund-$15K assistance for designated zip codes

  1. Some Nothing Down and Other Low-Down Payment Mortgage Programs

  1. Veteran Home Loan Program https://www.benefits.va.gov/homeloans/

If you are an active duty US military veteran or an honorably discharged service member, (or even a surviving spouse of a veteran in some cases), the VA loan allows you to purchase your home with zero down payment. There is an upfront VA funding fee added to the top of a VA mortgage but the veteran enjoys a mortgage without having to pay a monthly mortgage insurance fee.

You can use the VA mortgage program to purchase you primary residence and it can be a single-family home or duplex, tri-plex or quadra plex as long as the veteran lives in one of the units.

For more on Veteran Loans and dispelling myths go to :

http://jogarner.com/veteran-home-loans-benefits-veterans-realtors-serve/

  1. The USDA Rural Housing 100% Mortgage Program

Are you considering buying in an area that is not so densely populated as the big city? If your household income does not exceed the USDA limit for your county and state and you can apply for the USDA Rural Housing 100% loan.

If the property is in an eligible area for USDA lending, and if my mortgage client needs a nothing down loan, my client and I compare the move-in costs and payment amount if they used an FHA loan or a USDA loan. The USDA usually is better because their upfront mortgage insurance added to the top of the loan and the monthly mortgage insurance is much lower using the 100% USDA loan versus the FHA loan program.

For more about the USDA Rural Housing 100% program:

https://www.rd.usda.gov/about-rd/agencies/rural-housing-service

  1. FHA Government Insured Loan Program

The government FHA 3.5% down payment product. This loan is very popular but, due to the high amount of upfront mortgage and the monthly mortgage insurance that can remain in the mortgage payment for the life of the loan (in some cases.) For more about the FHA loan, go to: www.hud.gov

  1. Fannie Mae’s HomeReady 3% down conventional program-

This 3% program is great to compare against the FHA loan. The HomeReady program has a maximum income household limit determined by the state and county where the subject property is located.

  1. Freddie Mac just this month released a new 3% down product with no maximum household income limit. For more about the new HomeOne program go to http://www.freddiemac.com/singlefamily/mortgages/homeone/homeone.html

  2. The Conventional Community 97% loan has been reinstated. This program has some interesting guidelines that allow homebuyers that do not meet some of the other programs to qualify for this one—especially in designated zip codes. For more about this 3% down payment loan program go to https://www.fanniemae.com/singlefamily/97-ltv-options

  1. Talk about what is most important to your first-time homebuyer clients.

  1. First the question of whether it will be better for that client to rent a home or buy one.

a. One of the questions I asked my customer is, “How long do you plan to live in the area?” If the aspiring homeowner does not plan to stay in the area for more than one or two years, then renting may be the best way to go.

b. However, for someone who is tired of paying rent that keeps going up and plans to stay in the geographic area for at least 5 years, buying a home may be a strong consideration, especially if the mortgage monthly payment is lower than the going rent.

  1. Give yourself more than one exit strategy so that you don’t feel stuck

  2. Make sure you are comfortable with your house note and leave emergency funds in your account after closing.

REAL ESTATE TIP OF THE WEEK (Israel Henry shares a homebuying tip. Complete a HUD-approved Homebuyer’s Counseling Class BEFORE you start looking for homes. This class will help you get started on the right foot with a comfortable house note, improved credit scores so you can enjoy the best financing options. )

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 June 12th, 2019 Talk Shoppe presents: “What A Difference A Handshake Can Make” by Bob Morgan

Talk Shoppe events are free thanks to supporters like Trevor Day of River Surge Productions. Trevor does live streaming video for events and videography for weddings. Contact Trevor Day at www.RiverSurgeProductions.com

Thank you to Talk Shoppe’s Kaizen award-winning business coach Eric Eurich with Focal Point Business Coaching (901) 340-9558 He can help you get to where you want to go

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 EXACT DETAILS IN ANY OF THE SITUATIONS.

QUOTE CORNER:

Ronald Reagan- “We can’t help everyone, but everyone can help someone.”

Anonymous- “Can I help you?”

You answer- “No, I just waited in line 30 minutes to say ‘hi.’”

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REJOINDERS:

  1. Dan Sater, author of Top 20 Toxic Credit Mistakes People Make New York www.creditscoringadvisor.com

  2. Mary Jane Lessley, owner of Signs Now in Memphis, TN www.SignsNow.com/Memphis

  3. Jana Cardona, Executive Director of Mid-South Business Network International www.bnimidsouth.com

Transitional Music: “Help” by the Beatles; “Ticket to Ride” by the Beatles;  “We Can Work It Out” by The Beatles; “Memphis”  by Johnny Rivers for the Look Back Memphis Trivia Contest

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CALLER: PAT GOLDSTEIN, REALTOR WITH CRYE-LEIKE IN WEST TN AND NORTH MISSISSIPPI (901) 606-2000 Pat relates a customer story of a young couple who lived in a cramped apartment. They were newly married and expecting their first child. More than anything in the world they wanted to have a safe, secure and more spacious home to grow their family. Only with the help of down payment assistance, this couple accomplished homeownership of their ideal home.

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ABOUT ISRAEL HENRY, FINANCE MANAGER OF SHELBY COUNTY (TN) DOWN PAYMENT ASSISTANCE PROGRAM

 

Department of Housing

1075 Mullins Station Rd

Memphis, TN 38134

(901) 222-7600

Israel Henry has been with the Shelby County Government approximately 19 years. His current role is Finance Manager of the Department of Housing. One of his primary duties is management of the Shelby County Down Payment Assistance Program.

Mr. Henry is a 1984 graduate of Mississippi Valley State University with a B.S. in Business Administration. Israel Henry is also a licensed Real Estate agent with over 20 years experience.

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 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. www.TalkShoppe.com 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 www.JoGarner.com

MARKETING NOTES:

DOWN PAYMENT ASSISTANCE PROGRAM UPDATES

RE: Updates regarding HUD MORTGAGEE LETTER April 2019

To my esteemed referring partners:

Here is the latest update regarding HUD’s Mortgagee Letter 19-06 applying to FHA loans with down payment assistance. On 4-24-19 and 4-25-19 from the following down payment assistance programs:

City of Memphis:

Hi Jo,I am working on what the city will need to do to meet the requirements in the Mortgagee Letter.  I won’t have an answer until sometime next week.  I will be sending out an email with the actions the city will need to take.  Our goal is to get everything requested so we can continue to assist the buyers with part of the MRI.  Short of that, the buyers would need to satisfy the 3.5% from their own funds.

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Shelby County Down Payment Assistance:

They are checking with their counsel to see what they need to do to make sure they have the necessary documents to clear them regarding any issues with HUD’s Letter 19-06 regarding approved down payment assistance programs

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Tennessee Housing Development Agency (THDA)

Statement of Ralph M. Perrey, Executive Director, Tennessee Housing Development Agency THDA welcomes HUD’s Mortgagee Letter 19-06, which draws needed distinctions between legitimate down payment assistance programs offered by state housing finance agencies and national programs fronted by entities with disputed authority to operate outside their own local jurisdiction.

HUD, noting that loans with down payment assistance have higher rates of default, is wise to differentiate among down payment programs offered by state housing finance agencies like THDA from those offered by the more than 1,500 other “government providers” of down payment assistance.

Research released last year by Fannie Mae showed that loans originated by state housing finance agencies, the vast majority of which include down payment assistance, “perform substantially better than similar loans to low- and moderate-income borrowers” and are “significantly less likely” to result in delinquency or default – 20% less likely, in fact. HUD did well to take this into consideration in its Mortgagee Letter.

How this affects down payment assistance with THDA Effective immediately, THDA will issue a Legal Opinion Letter on every FHA Great Choice Plus or Great Choice HHF mortgage loan that is committed by THDA, this will be sent as the third page of the Enforceable Obligation Letter (EOL). Since this notice from HUD was unexpected, it will take about 3 weeks for implementation into the THELMA system. Until that time, you will receive a separate email from a THDA underwriter that includes the Legal Opinion Letter.

CHENOA DOWN PAYMENT ASSISTANCE PROGRAM

Great news today for anyone who uses the Chenoa program with FHA.  Per  the Chenoa representative they have agreed to a temporary stay in regards to their program with HUD.  Please realize this is from Chenoa, as of now FHA/HUD has not commented nor are they answering any questions in regards to this TRO. 

What does this mean?

Effective immediately Chenoa is again available and will remain so until further court action or and update from HUD until July 23rd 2019.  As a company our stance as of this letter is that Chenoa is available for all FHA loans that close prior to July 23rd 2019 barring any modifications to the TRO or notice from HUD.  As the next few weeks unfold and more information comes out we will update and modify the dates.

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Thank you for your mortgage referrals. Let’s connect over coffee to discuss what is working in real estate negotiations and with getting mortgages approved for borrowers. Which days and times would work better for you—Tuesday morning or afternoon or Thursday morning or afternoon?

How can I help you best?

To Your Success,

Jo Garner, Mortgage Loan Officer NMLS #757308

(901) 482-0354 Jo@jogarner.com www.JoGarner.com

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