Today you will be hearing the Cooper Young Neighborhood story and how revitalizing neighborhoods can be positive for the residents who live there and for the city surrounding the area. Our Shelby County TN historian, Jimmy Ogle, has quite a lot of stories to share with you. We will be talking with the leaders of Cooper Young Business Association to ask about some of the steps the association took to bring Cooper Young to be the desirable spot it is today. They will be sharing with us their vision for Cooper Young and the positive effects it will continue to have with its residents and the City of Memphis.
Are you interested in buying a home ahead-of-the-curve in a neighborhood that is being revitalized? Whether you are buying in the path of a revitalization or buying a home you really will enjoy owning anywhere, I would like very much to hear about your plans. We can explore some different financing programs to see what fits you best.
Subscribe to Real Estate Mortgage Shoppe to get our weekly podcasts with show notes directly to your inbox. Subscribe 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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WELCOME FROM COOPER YOUNG FESTIVAL ON SITE BROADCAST
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 THE POWER OF REVITALIZING NEIGHBORHOODS-THE COOPER YOUNG STORY. 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 15th, 2018 We are broadcasting live from the Evolve Bank and Trust Cooper Young Festival from the patio of the old Strano Restaurant location at 948 Cooper Street in Memphis, TN. Come by and see us.
Today you will be hearing the Cooper Young Neighborhood story and how revitalizing neighborhoods can be positive for the residents who live there and for the city surrounding the area. Our Shelby County TN historian, Jimmy Ogle, has quite a lot of stories to share with you. We will be talking with the leaders of Cooper Young Business Association to ask about some of the steps the association took to bring Cooper Young to be the desirable spot it is today. They will be sharing with us their vision for Cooper Young and the positive effects it will continue to have with its residents and the City of Memphis.
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INTRODUCING JIMMY OGLE, SHELBY COUNTY TN OFFICIAL HISTORIAN
Co-hosting Real Estate Mortgage Shoppe is Shelby County’s famous and fun historian, Jimmy Ogle. Jimmy is the official Shelby County TN historian and currently is the Shelby County Historical Commission Parliamentarian and, if you know anything about Memphis, Jimmy holds the prestigious position of the Peabody Hotel Duck Master. He was the recipient of the Ernest and Dorothy Withers Legacy Pioneer Award and has received so many awards in the past that we can’t mention them all, but you can find them on the Real Estate Mortgage Shoppe blog post for this show Monday at www.JoGarner.com Jimmy take a minute or so and tell our listeners a little bit about yourself and what you do (Jimmy talks about himself and what he does talks about the manhole cover tours, he was the dock master before he was the duck master. Jimmy talks about Memphis history at several speaking engagements around town. He invites people to join him in the spring and fall for historic walking tours. To find out how to connect with Jimmy Ogle, go to www.JimmyOgle.com )
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IMMERSE YOURSELF IN THE COOPER YOUNG FESTIVAL TODAY
(Jo) One of the joys of being in the mortgage business is that you get a front row seat in a way because you get to meet the people buying homes here in Cooper Young and in other neighborhoods too. I see the real estate appraisals and read in the media about the vision and progress of these areas.
If you are new to Memphis or just want to immerse yourself in a unique culture, Cooper Young gives you that opportunity especially today with the Evolve Bank and Trust Cooper-Young Festival going on from 9A-7pm today. You can experience the great food whether you are a vegan or non-vegan or just want to try lots of different stuff. If you are into art and music-it’s here. There about 400 eclectic varieties of vendors down here selling everything you can imagine—food, off-the-wall vintage stuff you can’t get just anywhere, clothes, jewelry, crafts –you name it. You can get into the festival free so you may want to pay a little bit to park and catch a shuttle to the entrance of the festival . Head down to Christian Brothers University to park and get a ride. Check out the Evolve Bank and Trust booth at the corner of Cooper and Young close to the old Strano Restaurant location where we are broadcasting right now. You can come by and say hello to Jimmy Ogle and me too!
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JIMMY OGLE SHARES INTERESTING COOPER YOUNG HISTORY
Jimmy, take a couple of minutes and talk about the history of the Cooper-Young district and maybe include some interesting “bet-you-didn’t-know-this-about-Cooper-Young” stories. (Jimmy shares some history of Cooper Young. Lots of people in the late 1800’s moved out to the Cooper Young area to get away from the yellow fever epidemic and the quarantined City of Memphis. There were less than 10 automobiles in the city and the speed limit was 8 miles per hour. After the turn of the century the h
Solomon Rozelle owned about 1,600 acres of land in the now Cooper Young area and began selling off some of the acreage for development. Rozelle sold 80 acres to a man named Cooper from Alabama. Judge Young lived here too and the streets Cooper and Young were named for these men.
The area boomed and then went into decline as development spread out further into the suburbs. In the early 1970’s a group of business people came together with a vision to revitalize the Cooper Young area. Boatman’s Bank moved into the area and encouraged capital investment in bringing the vision to reality.
Interesting fact. Captain Harris’ 3-story house used to be at the corner of Cooper and Young but was moved with logs down the street facing a different direction.
Tennessee Derby used to be bigger than the Kentucky Derby until Tennessee outlawed horse racing. The big derby race took place at the former fairgrounds.
Cooper Young has remained true to its 100 year history. Big trees, no big apartment complexes, houses with no driveways, walkable neighborhood. The association has kept Cooper Young a street friendly place. The people in Cooper Young think little, they think big but they all think together.
(Jo) 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. Connect with me at www.JoGarner.com or call me directly at (901) 482-0354. When we come back Jimmy Ogle and I will be talking with Stephen Crump from the Cooper Young Business Association
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TOPICS COVERED BY JIMMY OGLE, SHELBY COUNTY HISTORIAN AND PEABODY DUCKMASTER
1. Jimmy Ogle shares some history from the Cooper Young neighborhood
2. Jimmy shares stories connected to the Cooper Young district.
3. Jimmy shares whatever he wants—he is a walking history channel with a bit of “WOW, I DIDN’T KNOW THAT” facts
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Topics shared by Stephen Crump of the Cooper Young Business Association
Stephen Crump has been involved with the Cooper Young area since 1978. He has his wood shop here in the area and lived here for a long time. It was the late 80’s that the association got put together. The residents had formed a community group with a festival. In 1988 the business association was formed and has made a lot of progress.
They patterned the Cooper Young Business Association after the masters -planning thesis on Jeff Reese’s paper. First, form a business association and address the rules on the facades and other factors and zoning rules.
Over the years the association gives back to Peabody School and others. They have contributed about $300,000 to the betterment of the community.
Stephen Crump’s vision for Cooper Young. Earlier they had the Cooper Young Development association but they were a victim of their own success. Houses are mostly fixed up now and functional. Looking forward, the fairgrounds will have a big impact. Top of the list is to see how the fairgrounds planning goes.
Advice to other cities who want to revitalize their neighborhoods. Cooper Young has kept their community like a little suburban town. The area is complete with what the residents need You can’t be everything to everybody. Keep to who you are.
Gentrification is a problem. You need a non-profit association that can help with getting legal stuff covered and other planning to get around problems.
The early vision
The steps the association took to bring about the successful revitalization of the Cooper Young district
The positive impact the revitalization of Cooper-Young has had for its residents and the City of Memphis
The vision of the Cooper-Young Association for the future and its impact on its residents and the City of Memphis
Stories about people and places in Cooper Young
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TOPICS COVERED BY JO GARNER, MORTGAGE LOAN OFFICER
1. Types of homes you can buy in Cooper-Young
My mother lived on Meda Street in the late 30’s and early 40’s when she was a little girl, so I still have a fondness for that area over there. The Children’s Museum now displays the giant milk bottle that came off the top of our family diary—Reed’s Diary. Cooper Young holds a lot of history for me personally.
A. The choices of homes in the Cooper Young area give you a lot of variety just like you get with the food and unique shops. A lot of homes in Cooper Young were built around the turn of the century—the 19th century. Lot’s of history here.
You can buy a small house for a very affordable price or you can go much larger, newer or older. There are numerous down payment assistance programs available for first-time homebuyers.
B. You can still find bargains on fixer-upper homes. Let’s talk about some special renovation and repair loans if you are buying to fix up.
C. Real estate investors love Cooper Young. If you are a real estate investor and want to look at some properties to buy for rentals with a low, fixed rate payment to give you more positive cash flow, give me a call.
2. Unique Opportunities in Cooper Young to have your home pay for itself.
A. Cooper Young and many other neighborhoods too have multi-unit homes available that you can buy and live in one unit and rent out the other units to tenants. We can look at structuring your financing so that you could feasibly have the other tenants’ rents more than pay for you entire house note. The mortgages that I do will loan on a property up to four units. Call me at (901) 482-0354 after the show. Let’s make this happen for you.
B. Over 15 years ago I bought a fixer-upper house here in Cooper Young in an area where homes had not started getting fixed up yet. I was able to buy the home for below market and put some work into it. When the renovations by other homeowners hit that street, my values went up quickly. I believe in buying in an area that is going up in value. Cooper Young was a sure bet for me and it has been for some other investors too.
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REAL ESTATE TIP OF THE WEEK
(Jo Garner-when you are trying to decide where to buy a home to live, check with some experts to discover what values have been doing for the last five years and which direction values are expected to go. Some good resources are reputable realtors who advertise in the neighborhood that interests you. Ask to see detailed records of homes sold over the last 6 months to a year. Hire an independent appraiser -someone like Tom King who co-hosts Real Estate Mortgage Shoppe often. You cannot use an appraisal you ordered yourself when you are getting a mortgage, but it could help you decide the price limits for making your offer. If you are a seller, the advice of a licensed realtor and appraiser can save you from selling to low):
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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 September 19th, 2018 Talk Shoppe presents: “Work Perks” presented by Peggy Lau of Dreamtrips www.ipoadreamtrips.com
Talk Shoppe events are free thanks to advertisers like Taylor Eason, Talk Shoppe’s videographer and “social media guy.” Taylor can show you ways to set up your YOUTUBE channel and start making money from it. You can find Taylor at Talk Shoppe every Wednesday.
2. Thank you to Chad Irwin, Evolve Bank and Trust Manager of the Memphis TN office for sponsoring Real Estate Mortgage Shoppe. Connect with Chad at (901) 260-1480. You can meet a lot of us from Evolve Bank and Trust face-to-face today at the Evolve Bank and Trust Cooper Young Festival in Memphis. Check out the Evolve Bank and Trust booth at the corner of Cooper and Young near the old Strano Restaurant where we are broadcasting. Come say hi!
3. Subscribe at www.JoGarner.com and you can get our weekly blog posts with podcasts conveniently in your inbox.
4. 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. EXAMPLES GIVEN FOR ILLUSTRATION PURPOSES ON REAL ESTATE MORTGAGE SHOPPE USE FICTIONAL CHARACTERS AND DO NOT REFLECT REAL PEOPLE OR DETAILS IN ANY OF THE SITUATIONS TO PROTECT THE PRIVACY OF OTHERS.
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QUOTE CORNER:
Anonymous “Want to freak out your neighbors? Name your WiFi ‘FBI Survelliance Van’”
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REJOINDERS:
1. Mary Jane Lessley, owner of Signs Now in Memphis (901) 368-0784 Mary Jane can help you make sure your customers know where to find you.
2. Katy Gilliland, Hernando, Mississippi with www.BackupRX.com Making sure your business keeps running even when everything else isn’t. For your Data backup and recovery .
3. Chad Irwin, Evolve Bank and Trust Memphis Mortgage Manager 901 260-1480
Transitional Music: “Memphis In The Meantime” by John Hiatt
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ABOUT STEPHEN CRUMP, COOPER YOUNG BUSINESS ASSOCIATION
Stephen Crump is a native Memphian and for the past 45 years he has pursued a career designing and building original, museum-quality furniture and sculpture (primarily of wood). He established his studio at the corner of Cooper and Young in 1978 and remained there until 1991. In 1988, a group of business and property owners, along with the city and with the sponsorship of Boatmen’s Bank, formed the Cooper-Young Business Association and the Cooper-Young Festival. Two years later, they chartered the Cooper-Young Development Corporation. He was a founding officer for each group and remains on the board of the Business Association.
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ABOUT JIMMY OGLE, SHELBY COUNTY HISTORIAN AND PEABODY DUCKMASTER
www.JimmyOgle.com
Education:
Graduated with B.S. in Education from University of Memphis, 1980
Graduated Memphis University School, 1970
Graduated Presbyterian Day School, 1964
Employment History:
Duckmaster, Peabody Hotel to 2016-2017
Riverfront Development Corporation Community Engagement Manager and General Manager of Beale Street Landing, 2011 to 2016
President, Rural Heritage Trust of Southwest Tennessee, 2016 to Present
Official Shelby County Historian, 2014 to Present
Public Records Commission, County of Shelby, Chairman, 2014-present
West Tennessee Historical Society, Vice President Shelby County, 2014 – present
Shelby County Courthouse Restoration Committee, Member, 2014-present
Tournament Services Coordinator, FedEx St. Jude Classic, 2010-2012
Program Specialist, Memphis Convention & Visitors Bureau, 2009-2010
Vice President, Ericson Group Inc, 2003-2009
Director, Memphis Rock ‘n’ Soul Museum, 2000-2003
Vice President of Operations, Performa Entertainment (Beale Street) 1998-2000
General Manager, Memphis Queen Line, 1993-1998
General Manager, Schorr Management Company, 1987-1989
General Manager, Mud Island, 1985-1987 and 1989-1993
Deputy Director, Memphis Park Commission, 1984-1985
Administrative Manager, Memphis Park Commission, 1983-1984
Special Events Supervisor, Memphis Recreation Department, 1979-1983
Church Recreation Specialist, First Baptist, 1973-1979
Community Organizations:
Shelby County Task Force for Mississippi River Corridor, Member
West Tennessee Historical Society, Board Member
Citizens To Preserve Overton Park, Board Member
Save Libertyland/Remember Libertyland, President
Memphis Heritage
Shelby County Historical Commission, Member & Chairman (2011-2013) & Parliamentarian (2017-Present)
Mississippi River Corridor Tennessee, Board Member, 2011-2016
Davies Manor Association, Board Member & President, 2013-present
Delta Everything Southern Conference, Planning Committee Member, 2012
Interests [“Hobby Jobs”] Over The Years:
Scoreboard Operator, University of Memphis Men’s Basketball
Stat Crew, University of Memphis Football
Instructor, Meeman Center For Lifelong Learning, Rhodes College
Scoreboard Graphic Artist, American Junior Golf Association
Tour Guide, Center City Commission, Downtown Walking Tours
Member, Citizens To Preserve Overton Park
Actor, Elmwood Cemetery Costume Twilight Tour
Step-On Guide, Memphis Convention & Visitors Bureau
New York Times Crossword Society Member
Group Lecturer
Recognition
Spelling Champion, Presbyterian Day School, 1964
All-State Basketball (2nd Team), State of Tennessee, Memphis University School, 1970
Outstanding Leadership in Recreation Program, First Baptist Church, Memphis, 1979
Recipient of The Parker Brothers Award for Outstanding Planning and Execution Of A
Recreation Program from the Tennessee Parks & Recreation Association, 1981
Recipient of Memphis State Recreation Society Outstanding Alumnus Award, 1986
Recipient of Distinguished Downtowner Award from Downtowner Magazine, 2001
Recipient of the Darrell A. Ledet Award For Excellence In Service To The Memphis
Hospitality Industry by the Memphis Convention & Visitors Bureau, 2003
Recipient of the “Spirit Of Memphis” Award For Exemplifying the Best in Memphis Hospitality Industry
by the Memphis Convention & Visitors Bureau, 2008
(Note: Previous Recipients in the Past 20 Years were Sam Phillips, Larry Finch, George Klein, Billy Hicks, Jack Belz)
Honorary Duckmaster at The Peabody Hotel – February 26, 2011
Recipient of 2011 HARCANGEL Award for Exemplifying Unselfish Community Service
from Highland Area Renewal Corporation
Recipient of 2011 Volunteer Of The Year Award from Memphis Charitable Foundation & The Blues Ball.
Recipient of the 2012 Downtown Memphis Commission Vision Award for Special Achievement
Recipient of the Ellen Davies Rodgers Award from the Shelby County Historical Commission in 2013.
Received “Spirit of 1812 Award” from the National Society United Daughters of 1812 for Distinguished Record of Study, Promotion and Dedication to the Preservation of the History, People, Places and Events of the War of 1812. Presented by Piomingo Chapter in 2013
Appointed official Shelby County Historian by the Shelby County Commission – March 24, 2014
Received the First Star Spangled Banner Award for History in the County of Shelby, from the Piomingo Chapter of United States Daughters of 1812 – August 6, 2014
Recipient of 2016 Leadership In Historic Preservation Award from Historic Archives of Rosemark & Environs – August 3, 2016
Recipient of 2017 Excellence In Community Service Award from The National Society of the Daughters Of The American Revolution – March 25, 2017
February 10, 2018
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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.