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I find the people who are the best at predicting the future are those who know the past. Today our Shelby County TN famous and fun official historian, Jimmy Ogle, will be sharing some history of Memphis, TN that has helped sell a lot of real estate. Tom King, our expert appraiser, will give us a few of what he sees values doing in Memphis in the present . I will showing you how to set up your mortgage terms today so that, no matter which way the market goes tomorrow, you can have some winning options.

What do YOU want to accomplish with YOUR mortgage? Let’s talk about where you are today with your real estate and how to get to where you want to be. Call me at (901) 482-0354 or email at Jo@JoGarner.com . Check out our podcasts with show notes and subscribe to get them weekly in your inbox at www.JoGarner.com

To Your Success,

Jo Garner, Mortgage Loan Officer NMLS#757308 Real Estate Mortgage Shoppe Radio Talk Show Host


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. Subscribe to get our weekly blogposts with podcasts at www.JoGarner.com. Our general topic is WHAT SELLS MEMPHIS REAL ESTATE —KNOW YOUR CITY’S HISTORY. Call us while we are live at (901) 535-9732 Today is October 6th, 2018.

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. Subscribe to get our weekly blogposts with podcasts at www.JoGarner.com. Our general topic is WHAT SELLS MEMPHIS REAL ESTATE —KNOW YOUR CITY’S HISTORY. Call us while we are live at (901) 535-9732 Today is October 6th, 2018.



I find the people who are the best at predicting the future are those who know the past. Today our Shelby County TN famous and fun official historian, Jimmy Ogle, will be sharing some history of Memphis, TN that has helped sell a lot of real estate. Tom King, our expert appraiser, will give us a few of what he sees values doing in Memphis in the present . I will showing you how to set up your mortgage terms today so that, no matter which way the market goes tomorrow, you can have some winning options.



Tom King of Bill King Appraisal Service is back in the studio with us. Tom has been appraising in the Memphis, Shelby County, Tipton and Fayette Counties for over 40 years. Tom, you have helped so many of our listeners over the years. Please take a moment and introduce yourself to our new listeners and tell us what you do for your clients as a real estate appraiser. (Tom introduces himself and talk about how he can help his clients)



Tom introduces Jimmy Ogle (facts about Jimmy toward the end of this blog post)
Jimmy talks about himself and the many areas where he serves in Memphis, TN and Shelby County




(Jo) Everyone remembers has far back in history as the 2008 and 2009 real estate crash. Back then as a mortgage officer, I was interested in knowing how successful realtors and business people had weathered past real estate and economic hard times and come out on top. I did a survey . Want to know the common denominators of the people who weathered well the economic down turns? People that did not have a lot of debt and more than one source of income. Hmmm….

Here is an example of a real estate professional who weathered the storms from the 1980’s and came out more prosperous after going through the crisis than before the crisis hit:

A realtor that was just getting started selling real estate started with very little wealth and success but came through the BAD times as a top producing realtor. When the bad economic times came, this realtor had acquired one or two income-producing real estate properties of his own and had taken on the job of real estate property manager for other landlords who owned properties. The multiple sources of income sustained him through the hard times.

Here’s another common story: During the Great Recession starting around 2008, Connie was one of many real estate investors who survived well because she was not loaded up with debt when the crisis happened. She had kept her house payment low on a 30- year fixed rate but had steadily been paying her mortgage off early as well as having gotten rid of her other debt. She had slowly acquired some rental properties and managed them herself. Not having a lot of debt allowed Connie options to acquire more income-producing properties and live comfortably during lean economic times.
We always advise that you consult with your personal certified financial advisor on your specific situation. Later in this show, we can take a look at some ways you can set up your home financing NOW to giving you multiple options to choose that can help you come out ahead in various future market conditions. 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.



Tom King, our expert real estate appraiser with Bill King Company has been keeping his eye on our Memphis area real estate market today. Tom, which direction have home values been going in the Memphis area this year? What market conditions are driving the direction of our Memphis real estate values? (Tom talks about the direction of Memphis home values and what market factors are driving them?)

Inventory is still in short supply and demand is still high. Since school is back in session, real estate activity has slowed a little but still strong. Prices are still holding and values are projected to go up. Tom sees people refinancing and pulling cash out since the values are higher.

(Jo) Jo mentions the statistics from Wendy Greenlaw from Chandler Reports. Here are some stats from the Wendy at Chandler Reports from the 9-22-18 Real Estate Mortgage Shoppe show: http://jogarner.com/tips-trends-home-sales-financing-memphis-fall-market/
“Market Watch 9/22/18 Through the first eight months of this year, overall home sales in Memphis and Shelby County are up 1% and average sales prices are up 7% from the same period of 2017. Last year we reached a record high for average home sales prices and we expect to exceed that this year.


Factors attributing to the increase in home sales prices:

1. Supply/Demand‐ low inventory of available homes on the market is driving prices upward. I believe that one factor of low inventory is the fact that we have so many investor owned properties, upwards of 30% in Shelby County, that will not return to the retail market. From what I have seen, once a property is investor owned it is only sold off privately to other investors. Inventory has been creeping upwards since January but is still historically low, just under 2.5 month’s supply on the market.

2. Lack of foreclosure activity and bank sales, which typically drive down prices, are virtually nonexistent. Foreclosures are down 22% year‐to‐date.

3. New home sales prices continue to rise, up 12% from last year to $370,000. Vacant lots are difficult to find and supply/demand of new homes continues to drive prices upwards. To put things in perspective, there have been 571 new home sales through August of this year. During the same period of 2006, the peak of our market, there were over 2,700. 4. High‐end home sales, home sales valued over $300,000 are up 21% from last year. Home sales valued over $1M are up 63%. Of the home sales recorded, over 40% were investor purchases of which over 50% were by out‐of‐town buyers. NOTE: A lot of investors are not changing the tax bill ownership address until after the purchase, a lot of times they quit claim the property to their LLC, so I think that this figure is low, that it is likely upwards of 45%‐50% that were investor purchases.”

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 you will get to enjoy some interesting Memphis history from our famous and fun, Shelby County TN historian.

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 # 140 * 10/06/18

Berry Brooks
Question: I started on Cotton Row in 1922 and retired in 1972 as the head of my own cotton firm. Who am I?

Hint: I gave lectures at the Goodwyn Institute for 28 years and featured my film “Passport To Safariland” there.

Hint: I owned almost 300 acres in Raleigh that later became a country club.

Final Hint: In 1973, I was the first American inducted into the Hunting Hall of Fame.
Answer: Berry Brooks. Pink Palace visitors from 1948 to 1975 were fond of visiting the Berry B. Brooks African Hall. Brooks was a respected Memphian with a reputation as a huntsman, naturalist and conservationist. He was also a civic leader who was generous with his time, finances and big game trophies. Brooks was born in Senatobia, Mississippi, in 1902 and moved to Memphis when he was 12. He attended Washington and Lee University and then worked as a clerk before starting his own cotton company in 1929. Cotton gave him the resources he needed to engage in his favorite activity—big game hunting. In 1947, Brooks took his wife and daughter on his first of four African safaris. In addition to his hunting, Brooks also made films while on expeditions and gave a series of lectures for both the Goodwyn Institute and the museum. In 1973, Brooks was the first American elected to the Hunting Hall of Fame.

Brooks once said, “There is often a feeling of sadness in collecting animals. But it is overcome by the many other things you do in the way of conservation. I have tried to make every animal I ever collected immortal by giving it to the museum.” To this end, Brooks offered forty-one animal heads on loan to the museum in 1948. He also offered to show the films he made on his safaris. The Museum Advisory Board decided to plan a premier opening of the African Hall. The museum amended the original loan agreement in 1950 after Brooks’ subsequent safaris added more specimens to the African Hall. In the end, Brooks loaned 51 animals to the museum. The museum hosted a second premier in 1952 after Brooks’ second African safari, adding three rooms of trophies. In 1958, museum director Ruth Bush argued for making the collection more educational by placing miniature dioramas in the large hall to show the habitat of the animals. Berry Brooks: Cotton Man – Big Game Hunter – Photographer – Conservationist.

Last Week: Capt. Harris House. An excellent example of frame Queen Anne style is found on Young Avenue in a house built in 1898. The builder, Frank Trimble, sold the house in 1900 to Captain Harris from Mississippi, whose move to Memphis was probably the result of a feud in which Colonel William Faulkner, author of The White Rose Of Memphis, was killed by a relation of Harris’. Faulkner’s great-grandson, William Faulkner, used the incident in two of his novels, Requiem For A Nun and The Unvanquished.

Jimmy Ogle Tours
Jimmy Ogle gives free walking tours on the sidewalks and parks in Downtown Memphis during the year, with the next being the Pinch District Tour at 11:45 a.m. on Tuesday, October 9 (meet at Westy’s, 346 N. Main & Jackson). The Judge D’Army Bailey Courthouse Tour at 12:00 noon on Thursday, October 18 (meet at the southwest step t the corner of Second & Adams). Go to JimmyOgle.com.



1. What direction are Memphis home values moving in general?




1. Share with us some history of the Memphis downtown area that has most contributed to the revitalization of the downtown real estate values.

2. Talk about the history of other areas of Memphis and how it is affecting the value and demand for real estate in and around those areas.
3. What are some of the top people, places and historic events that gives value to living in Memphis?

Jimmy talks about the history of Memphis, TN. The animals found the bluff area because it was dry and they kept their paws dry. Hernando-DeSoto explorers were here in the 1500’s before the Mayflower landed and started colonies.

Railroads here were the first to connect the Mississippi River to the Atlantic Ocean. Annesdale Park was the first subdivision in the United States. Orange Mound was developed in 1890 specifically dedicated to African American homeownership. Memphis has 30 historic subdivisions. (Central Gardens, Chickasaw, and more) Memphis Heritage has done a great job!

The increased number of automobiles and automobile traffic caused Memphis to quickly move east with real estate development. In 1904 there were 8 automobiles in Memphis and the speed limit was 8 miles per hour. This number of autos and the speed limit took on a burst from eight to thousands of automobiles and a labyrinth of highways and by-ways.

In the 1970’s Memphis downtown was in a dire situation. The Peabody was closed and Beale St was fenced off. There were more people living in downtown than were living in all of downtown. The Belz family, the Turleys and others invested in their vision for Memphis downtown and others followed. Memphis is now a very vibrant, growing downtown.

The three cultural cornerstones of Memphis were quickly brought back into action within a 7 year period in the early 1980s:
The Peabody was reopened in 1981
Beale Street was reopened in 1983
The Lorraine Motel was repurchased in 1982
Mud Island was built in 1982
The Orpheum restored 1984
Graceland is the 2nd most visited historic home in the world.
The Paper Works and other condo projects have been built. South Main came back.

Today, other redeveloped areas are driving Memphis real estate sales:

Sears Crosstown
Overton Square
Cooper Young
And more




1. Things to love about living and owning real estate property in Memphis, TN.
A. From my mortgage desk, I get the joy of being on the journey to homeownership for many first-time homebuyers. Memphis is known as an affordable place to live. You can buy a house here with very little money down and still afford to eat, buy stuff for the kids and travel. Many of these are single people and married people. These are people who have been paying rent for years—paying their landlord’s mortgage instead building wealth for themselves. Finally, they are buying their own home where every month they are investing in themselves and their own future.

I see people who buy vacation homes downtown in sight of the Mississippi River. People who sell their big home to enjoy a simpler life in a smaller home. Some people are expanding their families and go from a small home to a larger home.

We see quite a few real estate investors buying up income-producing rental properties. In fact, Wendy Greenlaw of The Chandler Reports was in our studio a couple of weeks ago and said that Of the Memphis home sales recorded, over 40% were investor purchases of which over 50% of those were out-of-town buyers. NOTE: A lot of investors are not changing the tax bill ownership address until after the purchase, a lot of times they quit claim the property to their LLC, so I think that this figure is low, that it is likely upwards of 45%‐50% that were investor purchases.

As a mortgage officer, I have spoken with many real estate investors from across the country and even from other countries to assist them in buying rental property in Memphis because in Memphis, you can get a positive cash flow on rental property –without having to wait several years for a positive cash flow to come. If you want to make money and a good capital return in real estate –let’s work on making your plan come alive.

Positive cash flows, strong rental market, stable values.

2. How To Set Yourself Up For A Bright Future By Using Multiple Exit Strategies.
The people who are the keenest predictors of the future are those who have studied the past. Ask any history teacher. When you purchase a home, do you want to do well on that home purchase no matter what the future real estate market will look like one day?

You don’t have to know the future to set up your real estate to help you come out a success in the future. My mother used to say, “Prepare for the worst and hope for the best.” But you can do better than that when you buy a home by setting up multiple exit strategies right up front.

Here are some possible real estate exit strategies you could consider using:

Let’s pretend for just a few minutes that you or one of your adult age children have been renting a home and the landlord is knocking on the door again like he does every year, informing you that your rent will be going up again. That is more buying power that- yet again – just got ripped away by the landlord.

You are motivated now to buy your own home and get a mortgage payment that will never go up for the next 30 years or until you pay off the mortgage. (Your property taxes and insurance may go up a little, but not your fixed rate principle and interest payment.) The fixed rate seems nice, but you don’t want to feel like you might get stuck with the house and not be able to ever move if the real estate market turns the wrong way.

A. First, you find a reputable, experienced realtor who knows that neighborhoods where you want to live. You connect with an experienced loan officer who spends the extra time to help you set up some multiple exit strategies to use one day if you ever want to move out of the house.

The realtor representing you finds some houses in a neighborhood that you like where the home values have historically been on an upward trend. You find a home in this general neighborhood for a price that you can comfortably afford. Right now in cities like Memphis, TN, it is very easy to get a mortgage payment including taxes and homeowners insurance that is LESS than what you would pay in rent on the same house. You are already ahead of the game.

B. The mortgage officer, presents to you two or three different loan programs that could give you advantages to keep your payment affordable and allow you to leave adequate money in your emergency fund in case of future emergencies. (I would like very much to help you explore these home financing options.)

Assuming you do not have a lot of money to put down, we can look to see if you qualify for any 100% loans. We can look into down payment assistance for you. We can compare a government FHA loan with a 3% down conventional loan to see which one will work best for you.

C. Here are four ways you could use multiple exit strategies when you buy this home and one day in the future need to move out of the home.

You bought your home in a stable neighborhood where values very gradually continue to increase. When you get ready to move out of the home, you can likely sell this home for a profit because values in that neighborhood have been increasing.

If values are stagnant and you don’t feel like selling would be a good idea, you could consider moving out and renting your home to a tenant. Now YOU are your property manager can be the one knocking on the tenant’s door each year for an increase in rent. (You could call it giving yourself a raise, since now YOU are the landlord.)

What a lot of people forget is the FHA government loan program has an assumability clause in it. Let’s pretend for a minute that the real estate market is going through a bit of a hard time again in four or five years when you are ready to sell your home. The assumability clause on the loan you got on the FHA program allows someone wanting to purchase your home to pay you a negotiated amount up front for the privilege to try and qualify with your mortgage company to just take over the payments. That could be a strategy you as a future home seller very possibly could use.

D. If you own our home free and clear with no mortgage, you would also have the option of having the person buying your home to pay you a certain amount each month, creating a secondary income for YOU . This could create a secondary income for you one day in the future when you try to sell your home.




REAL ESTATE TIP OF THE WEEK (Tom King shares a real estate related money-saving or time-saving tip):

Tom tells story about a commercial realtor in the 1970’s going to the airport to pick up a commercial real estate investor flying in to look at buying a large commercial property in East Memphis. The investor told the realtor, “Drive me to see downtown.”

The realtor replied, “ Why do you want to see downtown? I thought you wanted to buy in East Memphis?”
When the investor viewed the emptiness and the run-down state of Memphis downtown back then, he told the realtor, “Take me back to the airport. If a city’s downtown is not vibrant, the healthy state of real estate outside the downtown is not sustainable.”
NUGGET: A city’s healthy downtown is vital to the state of the real estate surrounding downtown.




Talk Shoppe offers free networking & education to anyone interested in real estate or in business. Talk Shoppe meets every Wednesday 9A-10A CT at Pinot’s Palette 8225 Dexter Rd Cordova, TN. This Wednesday October 10, Taylor Tagg, City of Memphis Small Business Development, “I Shared My Spare. What Donating a Kidney Taught Me About Giving” ttagg44@gmail
Talk Shoppe events are free thanks to advertisers like Mary Jane Lessley of Signs Now in Memphis, TN. Point your customers to your business or event in first-class and memorable style. (901) 368-0784 at 4945 American Way, in Memphis.
2. Enjoy Monday’s Federal Holiday as we honor the great Christopher Columbus
3. Go Memphis Tigers at tonight’s football game!

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





Theodore Roosevelt- “ The more you know about the past, the better prepared you are for the future.”
Jeff Bezos “Work hard, have fun and make history.”



1. Loretta McNary, TV and Radio host (Memphis, TN)
2. Troy and Lynn McDonald, Erin McDonald Insurance Agency (901) 849-7101
3. Eric Eurich, business coach with Focal Point Business Coaching. EEurich@FocalPointCoaching.com

Transitional Music: “Graceland” by Paul Simon; “We Built This City” Starship; “Proud Mary” by Tina Turner; “Memphis” by Johnny Rivers for the Look Back Memphis Trivia Contest





Tom is a well- respected and sought after appraiser in Memphis, Tennessee. He is a second generation appraiser with 40 years of experience. He has been elected to the Memphis Area Association of Realtors Board of Directors three times.

Tom is a certified residential appraiser in Tennessee. He have appraised over 20,000 homes in his career. A graduate from the University of Tennessee with a degree in real estate, Tom is also a Certified Relocation Professional (CRP). Tom also has vast experience in dealing appraising real estate for pre-listing sales, cash buyers, divorce settlements, estate settlements. (901) 487-6989





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


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





www.JoGarner.com (901) 482 0354 jo@jogarner.com twitter @jogarner NMLS# 757308

“Whatever YOUR personal priorities are, my job is to help you get the mortgage terms that will give you bragging rights when you talk about it and help you score on hitting your goals .”
As a mortgage loan officer, my job is to help you get to the benefits you want from your financing terms. What is most important to you? I can help you find the financing terms that will help you get to what you want. What is your comfort level on a house payment? How much are you comfortable paying down,? What type of financing do you need to get the house you want to buy or refinance?
Different clients have different priorities in life—some are buying their first home with very little down payment funds. Some are recovering from medical challenges, divorces or preparing to send children to college and some are embarking on a long term goal of buying properties to build rental income.”
Jo Garner is a mortgage officer with extensive knowledge in tailoring mortgages to her customers who are refinancing or purchasing homes all over the country. She offers conventional, FHA, VA or other loan programs for refinancing and purchases.
Jo can help you look at rent vs buy, when it makes sense to refinance, how to get the best deal on your home purchase financing.
Jo Garner has been in the real estate/financing business for over 20 years. She got her start in Portland, Maine where she first began her real estate career. She received her real estate education from the University of Southern Maine and was personally mentored in San Diego, California by Robert G. Allen, author of Nothing Down, Creating Wealth and The Challenge.
On moving back to West Tennessee in 1987, she went into business buying and selling discounted owner-financed notes secured on real estate. In 1990 Jo went to work for a residential mortgage company and has been a mortgage loan officer for over 20 years. Her goal is to offer excellent, affordable service to her customers, tailoring the loan programs to the specific needs of her clients.
In addition to her work in the mortgage field, Jo Garner is the primary sponsor and founder of Talk Shoppe in Memphis. www.TalkShoppe.com She was also the editor of Power Shoppe, a free weekly e-zine designed for real estate professionals and others indirectly connected to the real estate industry and currently publishes on her blog www.JoGarner.com

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