REASONS TO BE GLAD YOU OWN YOUR OWN HOME FOR THE HOLIDAYS
During this show, we want to hear your reasons for being glad to own your own home. The Lawhons of Lawhon Landscaping will be sharing some ideas you can consider to customize your landscaping outside your home to match your lifestyle. I will be sharing some stories of customers and their reasonsfor being glad they own their own homes.
What do YOU want to accomplish with YOUR mortgage? Let’s connect! Subscribe to get Real Estate Mortgage Shoppe podcasts with show notes weekly in your inbox by going to www.JoGarner.com Call me at (901) 482-0354.
To Your Success,
Jo Garner, Mortgage Loan Officer NMLS# 757308
A MERRY MORNING TO YOU FROM REAL ESTATE MORTGAGE SHOPPE!
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. Thank you to Rob Draughon and Shelley Rothman of Griffin, Clift, Everton and Maschmeyer Law Firm. For your real estate purchase or refinance, contact Rob and Shelley at (901) 752-1133. Our general topic is REASONS TO BE GLAD YOU OWN YOUR OWN HOME FOR THE HOLIDAYS. Subscribe to get Real Estate Mortgage Shoppe podcasts with show notes at www.JoGarner.com Call us while we’re live today December 21st, 2019 at (901) 535-9732.
INTRODUCING JOHN AND JENNIFER LAWHON OF LAWHON LANDSCAPING
John and Jennifer Lawhon of Lawhon Landscaping are back in the Real Estate Mortgage Shoppe studio. John and Jennifer, you have been busy, even in this cold weather, installing new and improved designs for families to better enjoy the outside of their homes. Take a minute or so to introduce yourselves to our new listeners and talk about some of the services you offer homeowners and business owners. (John and Jennifer introduce themselves and talk about the services they offer their clients)
HOME IS WHERE THE HEART IS
(JO) Christmas is one of my favorite times of year. The other night I was sitting on the floor wrapping Christmas presents in our living room and watching Christmas movies. Remember the 1990 movie “Home Alone?” Macaulay Culkin plays 8-year-old Kevin McCallister, who gets yelled at by his family and visiting relatives over stuff Kevin does and says that is irritating to the others. He gets sent up to the attic bedroom closed off from the rest of the house and wishes that his family would disappear forever.
The family gets up the next morning late and rushes off to the airport to fly to Paris, France for their Christmas vacation. They realize after it is too late that they forgot one thing in their hurry. They forgot and left little Kevin at Home Alone. His parents are frantic and trying unsuccessfully to reach him but can’t reach anyone at all for help. The other family members that had been complaining about him the night before were suffering from guilt. Kevin woke and up and believed his wish had come true and his family had just vanished into thin air.
Kevin soon was on a madcap mission to defend the family house from two bumbling burglars who think no one is at home and try to destroy the place. After a couple of days of clever tricks and a battery of bewildering booby traps, Kevin realizes with sadness that his home is not completely home without his parents and his family. He looks up and prays that God will bring him his family back. Let’s not spoil the ending for you…so you have to watch the movie.
This movie reminds me of so many reasons why people enjoy owning their own home. My mortgage customers over the years have shared their stories.
FAVORITE REASONS TO OWN YOUR OWN HOME
- Reason #1 It can offer a very nice tax break, especially if you own property that produces income for you as rental property. Check with your licensed financial advisors.
- Reason #2 (paydown of principal ) Nice when part of every mortgage payment goes to pay down the principal balance each month and, in some cases can still shelter your income from the IRS.
- Reason #3 Other great reasons to own your own home are giving you multiple exit strategies later if no matter what the economic conditions. A. Selling the home later and taking the profit. B. Moving out of the home but keeping it as a rental income producing property. C. Setting up the financing as an assumable loan to help sell the house if the housing market becomes a challenge.
- Reason #4: Having the freedom to modify the home and the grounds to customize the home to fit how you and your family can best enjoy living there.
Are you trying to decide whether to rent or buy your home? Do you need to make some modifications to your home or your finances? 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. Email me at Jo@JoGarner.com or just call me at (901) 482-0354.
BRINGING HAPPINESS AND CHEER ON THE OUTSIDE OF YOUR HOME
John and Jennifer Lawhon, tell us about some ways your landscaping customers have used a new landscape design or additions to the outside of their home bring more happiness and cheer to owning their own home…(John and Jennifer Lawhon give some examples of customers who used a landscape design or irrigation service or addition to outdoor structures to bring more joy to the family experiences)
You’re on Real Estate Mortgage Shoppe. I’m your host, Jo Garner, Mortgage Loan Officer. Connect with me at www.JoGarner.com or call me at (901) 482-0354. When we come back we will be hearing more from John and Jennifer Lawhon of Lawhon Landscaping.
THE LOOK BACK MEMPHIS TRIVIA CONTEST
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 or you can do the big project in phases . 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.
# 167 * 12/21/19
Shelby Farms Park
I am considered
one of the largest of my kind in the nation. Who am I?
Hint: I began as a working institution in the 1920s.
Hint: I have been engulfed by the City of Memphis footprint over the past 60 years.
Hint: I have numerous activities and facilities of all kinds for people of all ages to enjoy Final Hint: I have a name that is very familiar to this community. Who am I?
one of the twenty largest urban
parks in the United
States. At a size of 4,500 acres, it covers more than five times
the area of Central
Park in New
York City. It features more than 40
miles of trails, both paved and unpaved, that are popular for
walking, biking, running and hiking. The Park’s trail network
Farms Greenline, an iconic 10.65 mile paved cycling and
pedestrian trail that connects the heart of Memphis to the heart of
Cordova through Shelby Farms Park. The Park has more than 20
bodies of water which provide plenty of opportunities for
From 1929 until 1964 Shelby Farms was used as a penal farm operated by Shelby County Government that received nationwide acclaim for its success. Shelby Farms was opened for recreational purposes in the 1970s. In 2007, a public and private non-profit partnership was established to provide for the daily operation of the park and to plan for its future use. In 2008, a masterplan was put in place for the redesign of the park. The re-design would provide additional hiking and biking trails as well as more opportunities for boating in a much enlarged Patriot Lake.
the magic of the holidays at Shelby Farms Park with
– the largest holiday light display in the Mid-South, and a
family-friendly holiday experience with drive through LED light
displays, horse-drawn carriage rides, Santa photos, a petting zoo,
holiday treats and more.
www.shelbyfarmspark.org/starry-nights or call 901-222-7275.
Jimmy Ogle has retired from walking tours in Memphis. Twelve of his Memphis History lectures entitled Making Memphis – Storytelling by Jimmy Ogle may be viewed for FREE on the internet by Googling “JIMMY OGLE PINK PALACE”. View JimmyOgle.com for more information.
TOPICS COVERED BY JOHN & JENNIFER LAWHON OF LAWHON LANDSCAPING
- Things you can do in winter to improve your home’s landscaping
- Share stories of customers who have used your landscape designs to create recreational areas for children, older family members and pets?
- Share stories of how your irrigation system has solved major problems for homeowners
- Talk about the services you have offered clients to save their beloved trees and shrubs.
- When is the best time to put down new mulch?
- What are some different types of landscape designs? Recreational? Relaxing? Aesthetic? Vegetable garden? Commercial location?
- What are some factors to consider about the use of the area you will have landscaped?
- Talk about the charitable projects you have completed. Boy Scouts, Page Robbins Alzheimers Day Care, others
- What other services do you offer in winter?
TOPICS COVERED BY JO GARNER, MORTGAGE LOAN OFFICER
- Rent vs Buy—Cathy’s story of why she chose to own her own home (4min testimonial from customer )
- Tax Shelter—Realtor Raymond Ridley’s Story
- Smart Mortgage Structure to Modify Home—Priscilla Peterson’s story
A popular mortgage strategy with my clients recently has been to refinance their home to include paying off variable rate credit cards and the variable rate Home Equity Line of Credit. Most of these homeowners had acquired quite a bit of variable rate debt due to unexpected family needs and other situations. Others were easily able to carry the variable rate debt but were about to retire and did not want the rising payments that come with rising rates while they were on a fixed income.
Priscilla Peterson (not her real name) had a decent house fixed rate house payment and owed about around $125,000 on a house worth about $315,000. She was about to retire and wanted to get a new roof on her house and new carpet about a $25,000 investment which she originally planned to pay for with a variable rate Home Equity Line. After pulling out her calculator and punching in what damage the rising payments could do to her on a fixed income, she decided to borrow about $40,000 and to cover the home improvements AND pay off her variable rate credit cards with a fixed rate that would never go up.
This cash out refinance would cause the loan that Priscilla now only owed 20 years on to go back to a 30 year loan but the payment would only by $149 per month higher and it would stay FIXED. Her calculator told her that if she kept the variable rate credit balances and got the variable rate Home Equity Line, over the course of the next few years, the $40K for home improvements and other credit good cost her a lot more per month. The cash out refinance for Priscilla Peterson was a small investment in peace of mind.
REAL ESTATE TIP OF THE WEEK (John and Jennifer shares a real estate related money-saving or time-saving tip): Don’t get rid of plants and shrubs that appear to be blighted with browning edges on the leaves. This year the temperatures in the Mid-South went from very warm to below freezing very quickly. The browning edges of the leaves on shrubs could just be from the quick freeze and will come back to fully green when the new growth appears in the spring.
Talk Shoppe offers free networking & education to anyone interested in real estate or in business. Talk Shoppe meets every Wednesday 9A-10A CT in 2020 at Concorde Career College at the Clark Tower 5100 Poplar Ave in Memphis. Talk Shoppe’s next event Wednesday January 8th, 2020 will be there at Concorde Career College. Loretta McNary, host of the Loretta McNary Show, will be getting up inspired and empowered as she presents “Three Steps To Rock Your Star To The Top” For more about Talk Shoppe go to www.TalkShoppe.com
Talk Shoppe events are free thanks to supporters like Trevor Day of River Surge Productions videography and streaming. Congratulations to Trevor for jumping into real estate to buy income-producing homes. We know you will do well
- Thank you for doing such a good job as Talk Shoppe’s Executive Officer, Nita Black, business strategist. Bartlett, TN. Nita can help you share your knowledge and skills online and make money doing it. Connect with Nita Black at www.901Elearn.com
2. Thank you again to real estate closing attorneys, Rob Draughon and Shelley Rothman of Griffin, Clift, Everton and Maschmeyer for sponsoring today’s episode of Real Estate Mortgage Shoppe. For your home purchase and refinances, call Rob and Shelley to handle the closing at (901) 752-1133
3. Merry Christmas, Happy Chanuka and Enjoy the Holidays! Make lots of great memories!
3. Jack’s Challenge. Who do you know who is going through a hard time this holiday season? Invite them out for coffee. Spend time listening to them and being the friend they need. You may never know this side of heaven the positive difference you can make.
4. The Tigers play basketball later today. Go Tigers!!!
5. Subscribe at www.JoGarner.com and you can get our weekly blog posts with podcasts conveniently in your inbox.
6. 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 AND ARE BASED ON TRUE STORIES BUT WE USE FICTIONAL CHARACTERS AND DO NOT DIRECTLY REFLECT REAL PEOPLE OR EXACT DETAILS IN ANY OF THE SITUATIONS.
Phyllis Diller “What I don’t like about office Christmas parties is looking for a job the next day.”
Anonymous “Three phrases that sum up Christmas—Peace on Earth, Goodwill Toward Men and Batteries Not Included.”
- Pat Goldstein, Realtor with Crye-Leike in West TN and North Mississippi (901) 606-2000
- Loretta McNary, The Loretta McNary Show Memphis, TN www.lorettamcnary.com
- Rob Draughon, Real Estate Closing Attorney with Griffin, Clift, Everton, and Maschmeyer Law Firm (901) 752-1133
Transitional Music: “Caroling, Caroling (Christmas Bells Are Ringing) by Nat King Cole;“The First Noel” by Elvis Presley; Christmas Canon by Trans SiberianOrchestra; “Memphis” by Johnny Rivers for the Look Back Memphis Trivia Contest
ABOUT JOHN LAWHON OF LAWHON LANDSCAPING:
Beautiful gardens begin with thoughtful design. The staff of Lawhon Landscape Design includes professionals with degrees in Landscape Architecture, Plant Pathology, Studio Art, and Agronomy. Our designers and plant professionals create outdoor living spaces with your lifestyle in mind.
Our many years of experience in design, installing, and maintaining Mid-South landscapes make us uniquely qualified to create gardens that are both beautiful and practical to maintain.
A Family Business
Our business was started in 1958 by Rex and Beth Lawhon and was one of the first weed control companies in the Southeast. Over the years, we have kept our client list small and personal in order to serve the gardens of Memphis with the best in lawn and shrub care. The high quality of our work has paid off over the years by the many repeat customers we have – both residential and commercial. We follow the philosophy of doing it right the first time. We hope that you will give us the opportunity to serve your garden needs as well.
In 1985, we expanded our family company by offering a complete design build landscape service. John Lawhon, with a degree in Landscape Architecture, offers complete landscape designs for every budget as well as outstanding plant installation services. In order to help maintain your landscape, we offer complete irrigation system installation. We have verything you need to make your home more beautiful than ever.
ABOUT JO GARNER-MORTGAGE LOAN OFFICER:
WHAT DO YOU WANT TO ACCOMPLISH WITH YOUR MORTGAGE?
“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