SHELTERING FROM THE STORM FROM YOUR ROOF TO YOUR FINANCING

In Appraisal, Benefits, financing, Financing & Refinancing, Fixing, Home Buying, Housing Market, Insurance, Local Development, Money, Preparation, Tips, Tricks & How To's by Jo Garner0 Comments

If you have survived a storm once or twice in your life, you may already know some of the tips a topics we are covering today.   Ed Hill of Masters Roofing is going to give some advice that could save you thousands of dollars like When to file a claim for roof damage and when NOT to file a claim and how to know the difference.  I will be covering some financial tips I have learned from the mortgage desk on how smart people have protected their credit and cash flow in a financial tempest.

What do YOU want to accomplish with YOUR mortgage?  I want to hear YOUR story.   Let’s explore some financing options that can position you in a safer, more comfortable situation financially.    (901) 482-0354  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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COME AND JOIN US AT 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.   Our general topic is SHELTERING FROM THE STORM FROM YOUR ROOF TO YOUR FINANCING. The sponsors of our show today are real estate attorneys Rob Draughon and Shelley Rothman of Griffin Clift Everton and Maschmeyer.  For your home purchase or refinance give Rob and Shelley a call at (901) 752-1133.Subscribe to get Real Estate Mortgage Shoppe podcasts with show notes at www.JoGarner.com  Call us while we’re live today July 11th, 2020 at (901) 535-9732.

INTRODUCING ED HILL OF MASTERS ROOFING

For the very first time on Real Estate Mortgage Shoppe we have Ed Hill of the A+ BBB rated Masters Roofing company.   Every person I talk to about you, Ed, says you have set the bar high for roofers when it comes to a good quality job and top service too. As senior consultant for Masters Roofing, you have assisted with over 800 roof repairs or replacements. Take a minute to tell us a little about yourself and what  you and Masters Roofing does for your clients. (Ed Hill introduces himself and talks about the benefits Masters Roofing offers their clients)

STABLE SALARY, SOCKED IN SAVINGS AND THE SUDDEN STORM THAT TOOK THAT AWAY-CALEB AND CONNIE CARMICHAEL’S STORY

(Jo)  One common denominator I believe we share is that we have all experienced some bad weather storms AND some financial turbulence in 2020. Its been a learning experience at many levels on what you did right and things to remember NOT to do.   You are in good company…

I want to share a story of a past client of mine who experienced a personal AND financial storm that crashed down on his family like a typhoon out of nowhere.    Back around 2009, a former client of mine called me very distraught.  He had been in a very high managerial position at a big company for over 20 years, and was someone we would consider in the lending industry to be very stable and socked in financially.  But no one is totally bullet-proof. What he said next stunned me.

He matter-of-factly blurted out, “ Jo, I lost my job. My family and I have been living off savings for several months.  My wife was diagnosed with a life threatening illness the day after I lost our health insurance. If we don’t find a solution quickly, we are going to lose our house and everything we have built together.” As he shared his story,  it felt like a wall of cold water crashed over me. At first, I didn’t know what to say.  A few minutes later he and I were going through the steps he needed to take to try and save his home from foreclosure.

Someone said that “when you are going through a hard time, don’t stop, keep going. This too shall pass.”  Even though it was a grueling time for this family, my former client and his spouse pulled together, took assessment of their situation, accepted help from others and employed some resources available to them through some well known agencies in the Memphis area.   They are back on their feet.  I personally think that people who have come successfully through that kind of adversity should write a book to help the rest of us. 

TWO THINGS TO DO TO KEEP YOUR FINANCIAL UMBRELLA HANDY

The financial experts online and in books have been telling us for years to keep our house payments under  25% to a  low 30% of  our income.  They have told us to keep our debt, including the house note, under 43% and preferably in down in the 30% range or less.

We have heard them tell us to keep a minimum of 3 months living expenses in savings for a rainy day if we are stable and salaried.  They said keep a minimum of one year of living expenses in the rainy day fund if we are self-employed.   There words are wisdom are ringing true during this Year of the Lock Down. 

Are you looking to make some changes to where you live or just to the mortgage terms on the home where you live?  Let’s look at some strategies to lower your payments or shorten the term and get rid of the mortgage payment sooner.   What do YOU want to accomplish with YOUR mortgage to keep you sheltered from financial storms?   Call me at (901) 482-0354 or connect with me at www.JoGarner.com  

(Jo) Ed Hill of Master’s Roofing.  You know more than a few things about staying safe and dry under a sturdy roof.  What are some tips you have to offer our listeners about how to keep their roof maintained and working well?  (Ed shares some things to do to keep your roof in good condition.  What to watch for and things to avoid)

(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.   When we come back Ed Hill with Masters Roofing will be giving us some advice on when do you file an insurance claim on roof and you DON’T want file.  See you guys back in just a moment. 

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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. Twelve of his Memphis History lectures entitled Making Memphis – Storytelling by Jimmy Ogle may be viewed by Googling “JIMMY OGLE PINK PALACE”.  View at 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.

Garner # 182 * 07/18/20

High Point Terrace

Question:  Memphis after World War 2 began to sprawl eastward past Overton Park and I became one of the most popular residential areas to live in “East Memphis” just past Highland Street.  What is my name?

Hint:  At the time I was begun, the eastern Memphis City Limits extended only to Goodlett Street.

Hint:  I was considered the “highest” ground (elevation wise) in Memphis at the time.

Hint:  Poplar Plaza Shopping Center and Galloway Golf Course are two of my neighbors

Last Hint:  Many of my streets are named for children (like Charleswood, Johnwood, Kenwood and Philwood)!

Answer:  High Point Terrace is generally geographically defined as being located north of Walnut Grove Road, east of North Highland Street, south of Summer Avenue and west of North Goodlett Street. Sam Cooper Boulevard cuts the northern section off from the rest of the neighborhood. Property values in High Point Terrace are some of the highest per square foot in the city of Memphis. There are approximately 4,000 residents and 1,800 homes (most of which are examples of early post-World War II minimal traditional design) in the area. Although original development began in the 1930s, it was not until after WW2 that the neighborhood became a part of the urban sprawl of Memphis eastward by 1953.  A small retail center in the center of the High Point includes a grocery, laundry cleaners, dentist, salon, barber shop, pub, pizza parlor and a recent addition of a bicycle hub (Cruisers) to service the opening of the Shelby Farms Greenline in the former CSX railroad line.

Bonus: Jimmy Ogle’s four distinct tours of Elmwood Cemetery that were scheduled for Saturday, April 25 are postponed until Autumn. For more information, call 901-774-3212 or go to elmwoodcemetery.org.

Jimmy Ogle has retired from walking tours in Memphis.  Twelve of his Memphis History lectures from the Pink Palace entitled Making Memphis – Storytelling by Jimmy Ogle, and now more than ten hours Downtown Walking Tours are FREE on the internet at . . . You Tube Jimmy Ogle.  
           
                                                   View JimmyOgle.com for more info!

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TOPICS COVERED BY ED HILL OF MASTERS ROOFING

Roof Insurance Storm Claims: To File Or Not To File

A local roofing company knocks on your door and you are breathlessly told that you can get a new roof FREE from your insurance company because you have unparalleled “Storm Damage” on your roof…the roofing rep then offers to climb on your roof to inspect it, then after the inspection he announces that your roof is decimated, a slam dunk approval and then he offers to file a damage claim for you.

To File Or Not To File, that is the question.

What Is “Storm Damage”

Wind, Hail, Trees

What Storm Damage Isn’t

Normal Wear And Tear, Algae, Improper Installation

How Does A Homeowner Know?

Most don’t. They need experienced, trustworthy experts to help them.

For every 10 Roofs I look at only about half are claim-worthy. The other half just need repairs.

Should A Claim Be Filed Or Not…Factors To Consider

  1. Number of previous or active claims
  2. The general results from YOUR insurer
  3. Your short-term and long term plans
  4. The urgency of your roof condition and how that affects your home
  5. The type of homeowners policy you have…ACV or RCV
  6. Can you afford to pay the policy deductible required under your policy.

For experienced, expert residential roof advice, roof inspections and roof estimates and bids, call Ed Hill, Masters Roofing at 901-273-6594. Learn more and meet Ed at MemphisHomeMaintenanceShow.Podbean.Com and at

#EdHillMastersRoofing .

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TOPICS COVERED BY JO GARNER, MORTGAGE LOAN OFFICER

  1.  What top 3 habits do your most financially strong mortgage clients practice?

I have served my customers for over 30 years now as a mortgage loan officer.  Some people think that being a mortgage officer for 30 years is not too interesting or exciting.  You would be surprised! It is still a joyous, exciting and interesting journey alongside some many very special people who are making some of the biggest financial decisions they will make in a lifetime.

After 30 years of working with new clients as well as working with the same families over a couple of generations, you start to notice certain habits that produce wealth and peace of mind. 

Here are 3 habits from the peaceful and prosperous:

  1. Always pay yourself and a charitable cause first-even if you have to have it deducted before it ever hits your checking account. For examples of what I have seen– paying 10% to your church or other charity and 10% to your savings account and a healthy portion to your retirement account.

Keeping 6 months to a year’s worth of living expenses available in an              emergency fund. Money may not be able to solve all of your problems but it sure can make them easier to endure.

  • Staying within a budget.   Those who always have their goals in sight, seem to do better with the budget since they are focused on having more later rather than less today.

Take care of what you have, like your house, your car, your electronics.  In my 20’s I had the privilege of working in the garden and chopping wood with some older women in the neighborhood up in the State of Maine.   One of their favorite mottos was “Use it up, wear it out.  Make it do or do without.” They were frugal and knew the best things in life were enjoyed for free. 

  •  Keep your credit clean and your credit scores as high as possible.   The higher your credit score, the lower your cost to borrow.  Sometimes it just the peace of mind of knowing if you really really needed to borrow money for a home repair, a car repair and a medical procedure to repair your own body, you can get the money you need if you should need it.

To illustrate why it is important to keep your credit scores polished and some habits you can start to keep your credit scores at the top, let me share with you a quick story.

We can call this story The Tale of Two Borrowers

Tale #1:  Terrance and Tamika Thomas lived a fairly comfortable life, steadily working at their careers, supporting their almost grown children and living in the same house they had owned for over ten years.  Their lives were about to change. Their oldest child was graduating college that year and their youngest would be graduating and leaving home the following year. , Terrance and Tamika wanted to move out to the country.  For years Terrance dreamed of having his own workshop to fix stuff and make some money at his hobby. 

Tamika’s dream was to have a covered back patio with a fancy bar-b-que grill and a back yard view of the woods. She had been seeing these open kitchen plans with the most up-to-date appliances complete with a double oven.   The house they wanted had all of this and more. 

Even though Terrance and Tamika’s life was going well and they seemed to always have the things they needed with no effort, the comfortable life was not how their marriage got started many years before.  Several years before life for the Thomas’ could be described as a tire running off the road, a train jumping off the track and an accident waiting to happen.

So many years ago, Tamika’s impulse buying on credit and Terrance’s lack of discipline with paying bills and saving money really caused heartache and disappointment.  The financial stress almost cost them their marriage. About three years into their marriage Terrance and Tamika got into a financial freedom class through their church. It was a well-known national program set up to get families out of debt.  They made the commitment and with encouragement from friends and family the Thomas’s emerged from the debt-free program with some savings in the bank, a paid off house and very high credit scores.

Terrance and Tamika found a house in the country that they really liked. It was not everything they wanted because it didn’t have the covered back patio and the workshop was not completed finished on the inside.  The price was right and their expert realtor referred them to an expert mortgage lender.  Since Terrance and Tamika’s credit was so good and they had saved some extra money to put down on the new house, they enjoyed the lowest mortgage rate and an even lower monthly payment.  It would not take them long to gradually pay this house off too.  Since the Thomas family had such good credit and could more than afford the house they were purchasing, their mortgage and homebuying process could be described as “Easy Peasy.”

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Tale #2: Sam and Sally Smith are newly married and expecting their first child.  Saddled up with student loan debt had kept them strapped for cash and existing in a small apartment, not large enough for their expanding family.   Sam regretted his carefree days in college charging up the credit cards he accepted in the mail.  It was so easy to use them –even for necessary items, but a few missed payments and a collection account tanked his scores. 

When Sam tried to was denied credit to purchase a car he needed to get to work, reality came like a slap in the face.  It was time to make a plan and stick to a plan to get his credit back working for him and not against him. 

Sally’s story was a little different. She had stayed away from credit altogether and did not have a credit score at all.  Her income was too low to qualify for a house on her own, so the plan was to build her credit and make Sam’s credit better.

Due to Sam’s bad credit, in order to get a car, he had to buy what he described as a “rust bucket on a roller skate.” He said he paid way over the blue book value for the car and had a loan that had an interest rate in the double digits.  The payment he described as “Ouch!”  

When Sam and Sally went to apply for a mortgage to try to get out of the cramped apartment and into a house, the news was not what they wanted to hear.   Even if he could improve his credit score up to a 640 from his current 565 score, he would be paying about a half point higher on the interest rate.   Over a period of time, the financing would cost him  almost $10,000 more than what he would pay if his scores were higher. But he had a plan to move the dial up on his credit scores in just a few months.  Sally’s plan would get her a decent credit score in only 30 days.

The tale continues-

Terrance and Tamika bought their house with a workshop out in the country and begin gradually making the home into the one they always dreamed of having for their own.

About a month after moving in, the Thomas family invited a lot of their family and friends from church to come for dinner for the house warming party.  Walking through the door to the party with bag of potato chips and a container of homemade salsa, was Sammy and Sally Smith

During the course of the evening festivities, Sammy and Sally shared with Terrance and Tamika their personal dream of having a home of their own. They shared their disappointing experience of being turned down for a home loan due to the credit snafus. 

Terrance and Tamika confessed to their own past history of credit skids and smashes.  They talked about how their choice to get help many years before to become disciplined in their finances set them free to leave peacefully and joyfully with the children.  Terrance gave the Smith couple the name and contact information of the mortgage officer who had helped them get financing for their first home many years before.

Sammy and Sally were on their way and getting closer to the dream of owning their own home.

Take your own temperature –

If you want to set out on a road to good credit, first know what your credit looks like today. Every year you are allowed to check your own credit for free by going to www.annualcreditreport.com   Check all three credit bureaus to make sure there are no errors on your report.

If you find errors on your report, contact all three credit bureaus and the merchant reporting the erroneous credit, informing them of the error and asking for the erroneous credit to be removed from your report.   In the letter, make sure you identify yourself, your social security number (to the bureaus) and your address and contact information.  Be sure and include the merchant name, address, phone number and account number also. The merchant reporting erroneous credit has a limited time to respond to your request to correct the report, so it is a good idea to get tracking on the mailed letter.  You should hear back in about 30 to 60 days.

Equifax Information Services

www.equifax.com

PO BOX 740241

Atlanta, GA 30374-0241

(800) 685-1111

Experian

www.experian.com/reportaccess

701 Experian Parkway

PO BOX 2002

Allen, TX 75013

(888) 397-3742

Transunion Consumer Relations

www.transunion.com/myoptions

2 Baldwin Place

PO BOX 1000

Chester, PA  19022

(800) 888-4213

Do-It-Yourself Credit Fix-

If some of the negative credit reporting was not in error but was really bad credit on your part, then there may be some things you can do to lessen the negative blow.

If you have collection accounts showing with balances still owing, you may want to call he creditor a make a deal with them to get them to agree to stop reporting every month on that collection account.  In the past collection agencies reported the collection once and never reported again.  But today, they often continue to report month after month until.

Each time a negative late pay or 30 days or more  or a collection account gets reported on your credit, it is like taking sucker punch to the gut because it drops your credit scores so badly. Even if you set up a small payment plan in exchange for the company not making any more negative reports about you.

A representative from Equifax Credit Bureau told me once that, the best authority on credit scores is the internet website www.myfico.com .  This site gives you some great tips on keeping your credit score the highest it can be.

Some of the greatest credit scores are from 780-850

Really good credit scores  that still give you the best in rate and terms on loans is around 740-779.

Still good but not considered the best are credit scores at 700-739.

Average scores come in around 660-699

Once your scores are below 660, you pay a lot higher interest rate on loans you apply to get and your payments are high.

Many of the mortgage companies across the country have set limits to the minimum credit scores they will accept from 620 to 640.  

Jump-starting your credit scores-

The site www.MyFico.com  shows you where to concentrate on getting the best and quickest results on jump starting your credit scores.

  1.  Make your payments on time, never going over 30 days late. Payment history makes up about 35% of your credit score
  2. Keep the balances on any revolving accounts like credit cards UNDER 30 % usage. If your usage is 10% or lower, then you could raise your score even more over a short time. Credit usage percentage makes up about 30% of your credit score

Example:   Credit limit $10,000 on your credit card. 

30% usage on a $10,000 credit line means for you to never allow the balance owed to go over $3,000 at anytime during the month.  (Make your payment on time)

  • Stay away from 12-months-same-as-cash accounts.   These tend to score like a maxed out credit card and can drop your scores 60 to 100 points quickly
  • Old, established history on credit cards gives you better credit scores. Length of time on a credit account makes up about 15% of your credit score
  • Credit inquiries and getting new credit  makes up about 10% of your score. Be careful about getting a lot of inquiries on your credit report because too many can drop your score.  (if you are shopping for a mortgage and only other mortgage companies pull your credit within a 14 day period, the inquiries show up but are not supposed to penalize you on your score so that you can shop around without it hurting your score.  

Myths about what affects your FICO score-

  1. Myth # 1  You don’t have to carry a balance to create a score if the creditor reports a good history even when there is no activity.
  2. Myth # 2  Your income doesn’t affect your score
  3. Myth # 3 You and your spouse do not share a credit score.  You each develop your own unique scores based on your individual activity.

Epilogue-

Terrance and Tamika are living happily in their new home in the country.  Sammy has been helping Terrance finish out the workshop, building benches and racks to hang tools and stuff.  Tamika and Sally have been painting and staining the cabinets in the kitchen, lightening it up and making it feel even more spacious and inviting.

Sammy set up a payment plan with some  of the past due balances that had been haunting him on his credit cards.  He made a deal with the credit card companies not to report negatively on him as long as he was making regular payments to pay off the past due balances.

He went online and signed up for a well-known secured credit card.  He put up $300 of his own money and kept a balance of no more than $25/month for 3 months which put an extra 50 points on his credit score.

Sally’s parents added her to one of their seasoned, low usage credit cards which just about instantly popped her credit score up to around 680 from zero.  

Sammy and Sally are working with the same realtor that helped Terrance and Tamika.  Sammy and Sally know what they want in a house including a very special room for their new baby. They are willing to start small so they can stay on a less stressful budget and enjoy life a lot more.  

  1. REAL ESTATE TIP OF THE WEEK (Ed Hill shares a tip about what type insurance covers more of the roof repairs)

ANNOUNCEMENTS:  

Talk Shoppe offers free networking & education to anyone interested in real estate or in business. Go to www.TalkShoppe.com and click on Upcoming Events Tab for virtual meeting location website address.Talk Shoppe meets every Wednesday 9A-10A CT This Wednesday July 22, 2020,  Eric Eurich, Kaizen Award-Winning Business Coach with Focal Point Business Coaching “Jumpstart: 6 Keys To Re-Launch your Business 

We want to say thank you to Genell Holloway of www.healthbenefitsplus.org   Health Benefit Coverage you  can count on.  (Putting the Plus sign in YOUR bottom line)     Genell Holloway financially supports the free education and networking for our local community at Talk Shoppe.   Give Genell Holloway a call to talk with her about your health benefits 

A special thank you also to Kurt Lau and Peggy Lau for YOUR financial support to make Talk Shoppe’s free education and networking free to our community.  I can tell you from PERSONAL experience that the Dreamtrips that offered through their program are  5 star and they can show you have to get these vacations at a bargain cost or sometimes free.   Contact Peggy at (901) 289-0747

  • Stay safe! Stay hydrated! It’s hot outside so check on your pets, your neighbors and your family members.   Make a positive difference in your world.
  • The sponsors of our show today are real estate attorneys Rob Draughon and Shelley Rothman of Griffin Clift Everton and Maschmeyer.  For your home purchase or refinance give Rob and Shelley a call at (901) 752-1133.

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 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.

QUOTE CORNER:  John F Kennedy  “The time to repair the roof is when the sun is shining.”

The Puritans and also Boyd Packer  “Use it up, wear it out, make it do, or do without.”

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REJOINDERS: 

  1. Troy and Lynn McDonald, Erin McDonald Insurance Agency  (901) 849-7101  You are in good hands with Lynn McDonald for your home and auto and life insurance Bill Emmerling, www.VistaPoints.org   Helping you help someone you love with a Special Needs Trust
    1. Miranda Griffin, www.HealthyMidSouth.com   Improving Lives One Step At A Time 

Transitional Music: “Up On The Roof “ the Drifters; Riding the Storm Our by REO Speedwagon ; “Rockin With The Rhythm of the Rain”   The Judds; by Johnny Rivers for the Look Back Memphis Trivia Contest

_____________________________________________________________________________________CALLERS:  TROY AND LYNN MCDONALD OF ERIN MCDONALD INSURANCE AGENCY –  A COUPLE OF GREAT TIPS TO SAVE YOU MONEY WHEN MAKING AN INSURANCE CLAIM.  (don’t call the 1-800 number.  Talk with your insurance agent first to determine if you should file an insurance claim or self pay.   Even if the insurance company does not end up paying a claim, many times it still goes against you on your insurance claim as if the claim was paid just because you called the 1-800 number)

CALLER:  Trivia Winner   Stephen called in to win the Look Back Memphis Trivia contest. Stephen told our listeners that he would recommend, if they are buying a home, to use the realtor and lender he used to buy his home—Rita Hallum of Crye-Leike in Bartlett and Jo Garner, Sierra Pacific Mortgage .

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                ABOUT ED HILL OF MASTERS ROOFING

Ed Hill has been in the residential roofing industry since 2008 and has been Senior Consultant with Masters Roofing Memphis TN since 2010.  He has personally assisted about 800 homeowners with roof replacement and many others with roof and exterior repairs.  He is an active member of the Greater Memphis Business Network International chapter and is the official Masters Roofing consultant to TPC Southwind.  He holds three earned degrees including a doctorate but tries not to let those get in his way of serving his customers!  For free roof advice, free inspections, and free estimates and bids for roof replacement or roof repair call Ed Hill at 901-273-6594. Learn more at #EdHillMastersRoofing and at MemphisHomeMaintenanceShow.Podbean.Com 

Ed Hill, Senior Consultant

Masters Roofing

2845 Stage Center Cove

Bartlett TN 38134

901-273-6594

EdHill.MastersRoofing@gmail.com

www.mastersroofing.com

TN State Licensed Contractor #00067521/ Reciprocal Licenses MS & AR

BBB A+ Accredited Member Business

Platinum Preferred Contractor Owens Corning / GAF Master Elite Installer

Guild Quality Member / Angie’s List

www.EdHillMastersRoofing.webs.com

Podcast https://MemphisHomeMaintenanceShow.podbean.com

www.Facebook.com/EdHillMastersRoofing

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 (currently working with Sierra Pacific Mortgage, Inc)

“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

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