What Does This Market Mean For Your Money? Put Your Mortgage & Home Value to Work

What Does This Market Mean For Your Money? Put Your Mortgage & Home Value to Work

LET’S GET STARTED…(Jo) (Good morning, Memphis! Welcome to our internet listeners and podcast listeners across the 50 states! . Today is September 5^th, 2026. I’m your host, Jo Garner, Mortgage Loan Originator. You can connect with me at www.JoGarner.com. Our general topic is “What Does This Market Mean For Your Money? Put Your Mortgage & Home Value to Work.” It is our Labor Day show.

Thank you to our sponsors real estate attorneys Rob Draughon and Shelley Rothman of Griffin, Clift, Everton and Maschmeyer Law Firm. For your home purchase or refinance title closing, call Rob and Shelley at 901 752-1133.

We are taking a look at the real estate market and showing you ways others have found to make their home and financing into wealth building and income producing assets.

Host: #JoGarner #MortgageLoanExpert 901 482-0354
Co-Host: #AllenMcCool #memphisAppraiser Stephenson & Associates 901 763-2100
Featuring: #TiffanyThornburg #Empowered With Purpose Solutions health benefits 901 643-5400
Subscribe for weekly Real Estate Mortgage Shoppe podcasts with show notes at www.JoGarner.com#realestatemarket #mortgagemarket #midsouthrefinance #homeowner #homebuyer

Introducing Allen McCool, Appraiser with Stephenson and Associates

Allen McCool, our expert appraiser from Stephenson and Associates is back in the studio. Allen, after decades of appraising homes in the MidSouth, you know a thing or two about what brings the most value to a home and ways people make it work for them. We plan to talk later in the show about factors that affect a home’s value. (Allen McCool has about a minute and a half to intro himself and talk about the services he offers his clients )

(Jo) Robert Kiyosakii grew up poor, but his best friend’s family was rich. Mr. Kiyosaki followed the advice of his friend’s rich dad and became abundantly wealthy himself. In 1997 Robert Kiyosaki wrote the book “Rich Dad Poor Dad” that teaches principles like “The rich don’t work for money — they make money work for them. The poor and middle class work for a paycheck; the rich build and buy assets.”

I believe in owning real estate, especially starting out with owning your primary residence. The fact that your primary residence will probably continue to go up in value over time, is good, but it is not generating an income for you unless you find a way to create income from it.

THREE FINANCIAL HABITS OF WEALTHY PEOPLE

Here are three common habits of people who built wealth and happiness over the course of time. 1. They made a plan and worked daily toward the vision of what happiness looked like to them. 2.They spent less than they earned. These people regularly invested a portion of their income in things like stocks, bonds and real estate that generally went up in value and created a growing passive income for them.3. They invested in giving a regular tithe to their church or donations to favorite charities, and they invested quality time with their loved ones.

TODAY’S REAL ESTATE & MORTGAGE MARKET & YOUR MONEY

As of September 3, 2026, the average 30-year fixed mortgage rate has climbed to approximately 6.71%—hitting a new 2026 high. This upward push is heavily driven by global bond market pressures, persistent inflation, and rising oil costs which push the prices on mortgage rates up.

What this means for your money depends on your specific financial goals:

If You Want to Buy a Home

Higher Borrowing Costs: With rates hovering near 6.7% to 6.8%, your monthly principal and interest payments will be significantly higher than they would at lower rates. But, home prices across the nation are still inching upward. Active homebuyers have decided to Buy the House and Date the Interest Rate. Consider buying the house now before the price goes up again. Later on, if mortgage rates drop enough, they can always refinance to the lower interest rate.

More Negotiating Power: High rates have cooled buyer demand and slowed down pending sales, meaning you face less frantic bidding wars and have more leverage to ask sellers for price cuts or to pay your closing costs or money to buy down to a lower mortgage rate.

Budget Strategy: Focus strictly on your total monthly payment (including local property taxes and homeowners insurance) rather than the listing price.

Even though the market has moved in favor of home buyers, it is still a smart idea to apply for your mortgage and send your documents to them to give you a stronger preapproval letter. Having the mortgage company preapproval letter puts you in a better negotiating position

If You Own a Home and Want to Refinance

Unfavorable Timing for Rate-and-Term Refinancing just to lower the interest rate: Average refinance rates are sitting near 6.85%, meaning if you bought or refinanced when rates were lower in past years, refinancing now will likely increase your interest rate rather than save you money.

Cash-Out Considerations: If you urgently to pull some money out of your home value, tapping your home equity is possible. If you are consolidating very high interest rate credit cards, the cash out refinance to a lower fixed rate mortgage might save you hundreds of dollars per month in bills you have to pay.

Refinancing to get cash out buy another income producing asset may make sense too-like buying another rental property. Consult with your financial advisor. Put your money to work building more wealth and income for you.

(Jo) Allen McCool, our appraisal expert with Stephenson’s & Association, what are some observations you see? (Allen has about 3 minutes until break to launch his topics)

OUTRO: You’re on Real Estate Mortgage Shoppe. I’m your host, Jo Garner, Mortgage Loan Originator. What do YOU want to accomplish with YOUR mortgage? I can make the mortgage process EASY for you with the right mortgage. Connect with me at JoGarner.com . We will be hearing more from Allen McCool, appraiser with Stephenson & Associates. Also, Tiffany Thornburg of Empowered With Purpose Solutions. See you back in just a moment.

2nd segment is after first break 8 minutes 50 seconds

( Waaka Waaka song in background ) COMIC QUERIES (you probably already know the answer, but we will ask anyway

- (Allen) Riddle #1: I have a head and a tail but no body… What am I?
- (JO)Answer: A coin.

(JO) Riddle:

I am the most expensive room in the house, filled with professional tools, pristine counters, and top-tier appliances designed for a master chef. Yet, despite thousands of dollars spent to build me, my owners use me primarily as a glorified staging area for Uber Eats boxes. What am I?
(ALLEN) Answer: A renovated kitchen.

(Jo) Today on Real Estate Mortgage Shoppe we are talking about “”What Does This Market Mean For Your Money? Put Your Mortgage & Home Value to Work”

I’m your host, Jo Garner, Mortgage Loan Originator . For your home purchase or a mortgage refinance you can brag about,. We can find the right mortgage product and make the mortgage process EASY on a traditional mortgage, on special programs and outside-of-the-box mortgage programs too. Connect with me at JoGarner.com

Allen McCool, Appraiser with Stephenson & Associates 901 763-2100

T ALK SHOPPE TIP

It’s time to talk shop with Talk Shoppe’s Tip . Talk Shoppe is a marketing company offering free education and networking to anyone interested in real estate or in business. Talk Shoppe is made possible by the financial support of its sponsors and advertisers. For more about Talk Shoppe, go to www.TalkShoppe.com (shoppe)

For our Talk Shoppe Tip today we have Tiffany Thornburg of Empowered With Purpose Solutions. Tiffany, your help your clients choose the best health benefits program or medicate plan based on their individual needs. You build your business on the foundation of good relationships. (Tiffany Thornburg of Empowered With Purpose Solutions, what is our Talk Shoppe Tip today?

Tiffany offers her tip:

Thanks Jo – this actually ties right into what you and Allen have been talking about, protecting your net worth in retirement. A lot of people think that once they have Medicare Part A and Part B, they’re fully covered. But Original Medicare alone has no cap on your out-of-pocket costs – you’re typically still responsible for 20% of your medical bills, with no yearly maximum. If you have a serious illness, a surgery, or a long hospital stay, that 20% can add up to tens of thousands of dollars fast – money that could come straight out of your savings, your home equity, or the nest egg you’ve worked your whole life to build. That’s exactly why people pair Medicare with a supplement or Advantage plan that caps what you’d ever have to pay out of pocket. I help people find that gap and close it – for free, no cost to review it.

TOPICS BY ALLEN MCCOOL, APPRAISER WITH STEPHENSON & ASSOCIATES

The key to making your home value work for you is getting in early. I say this from the perspective of a residential appraiser, an occupation which you could think of as a professional sideline observer. I get a close-up view of real estate investment results on a regular basis.

If you research financial planning advice regarding the percentage of one’s investment portfolio that should be dedicated to real estate, the answer is likely to be zero, for a normal homeowner, as opposed to a professional real estate investor. Buying a home is a consumption asset and a lifestyle choice.

However, a related question is this: how much of one’s NET WORTH should be expected to be found in one’s home. Interestingly, now the answer differs depending upon your stage of life. Here are some rules of thumb from macroeconomic research data:

Early Career (Ages 25–35): Home equity often makes up 40% to 60% of total net worth because retirement accounts are just starting to grow.

Mid-Career (Ages 36–55): Home equity should ideally drop to 20% to 40% of net worth as your liquid stock and bond portfolios catch up.

Retirement (Ages 56+): Home equity should ideally be under 30% of your net worth to ensure you have enough liquid cash to fund your daily retirement expenses.

These are not to be taken as financial planning advice specifically, but only an illustration of how the typical targets and expectations change over one’s career.

That’s why we have frequently talked about researching carefully where you want to live, and why. The more your personal housing desires align with market forces, the faster your equity will build.

Buying a home is a lifestyle choice, but it also becomes an important part of your net worth. Along with your other investments, the magic of compounding interest works in your favor by getting in early and giving them time to grow.

What factors can help or hurt value in a home?

Overbuilding , putting money into finishing below grade areas, heated space separated by unheated garage , room with no windows or closets etc.

What repairs and improvements to a home bring the best return on improved home value?

Common Questions Asked by Mortgage Customers About Home Values

The difference between the asking price, contract price, market value, and appraisal.
Why the most expensive house nearby may not be a valid comparable sale.
How location, condition, size, upgrades, and recent sales affect value.
Why online estimates may differ from a professional appraisal.
Whether a remodeled kitchen, new roof, extra bedroom, pool, or detached building adds dollar-for-dollar value.
Why two similar-looking homes can appraise very differently.

Questions for the appraiser:

What are the biggest misconceptions buyers have about appraisals?
Which improvements tend to add meaningful value?
What features may cost a lot but contribute very little to the appraisal?
Can a buyer or agent provide comparable sales or improvement information?
What happens when the appraisal is lower than the purchase price?

Listener takeaway: Don’t pay only for attractive finishes—consider location, condition, functionality, and resale appeal.

3^RD SEGMENT 12 minutes

( Small Victories song by Allen McCool playing in background)

For Did You Know today…(see if you can guess the answer before we do)

Question: What is the name of this man from Memphis who took out a $125 loan to market his own healing oil and became a multi-millionaire?

(Tiffany) Hint# 1: Monetizing Discarded Inventions: In 1920, this business owner bought the rights to a struggling, obscure patent medicine called St. Joseph Aspirin for a meager price. The brand was failing. He re-engineered the product, creating the first aspirin specifically dosed and flavored for children. He turned a dead asset into a household staple, extracting massive revenue out of a product someone else gave up on.

(Tiffany) Hint #2: By transforming forgotten intellectual property and underperforming brands into highly lean, streamlined cash generators, this man parlayed his tiny double-digit loan into a multi-million-dollar global conglomerate.

(Allen) ANSWER: ABE PLOUGH founder of Plough Inc. By transforming forgotten intellectual property and underperforming brands into highly lean, streamlined cash generators, Plough parlayed his tiny double-digit loan into a multi-million-dollar global conglomerate.

(Jo) Today on Real Estate Mortgage Shoppe we are talking about “”What Does This Market Mean For Your Money? Put Your Mortgage & Home Value to Work”

Allen McCool, Appraiser with Stephenson & Associates 901 763-2100

Tiffany Thornburg of Empowered With Purpose Solutions health benefits company 901 643-5400

TOPICS COVERED BY JO GARNER, LICENSED MORTGAGE OFFICER

More Ways to Get Your House to Earn an Income for You

There are SO MANY ways I have seen people generate income from their primary homes. Check out your neighborhood covenants and restrictions or neighborhood association bylaws and restrictions to ensure your idea is permitted. Here are just a few ways:

Renting out the bonus room or a separate area of your home to students, traveling professionals or family members.

Selling fruits and vegetables from you home garden.

Renting out a storage space for someone to store their extra belongings.

For unique homes with enough space and parking you could rent out part of your property to special events.

If you own land , can you subdivide it and sell some lots to a builder to build homes on it?

Can you plant trees on your acreage and selectively cut a few trees each year to earn an income on selling the timber?

Can you put a communication tower on your land and get a monthly lease from the tower company? Can you rent your land to a solar company for placing solar panels.

Bringing a family member who needs some assistance to live with you in your home may not bring a direct income, but if it saves you several thousand of month, it is freeing up income for you to invest to make more.

Can you run a business from all or part of your home?

What other ideas can you implement to create an income from your personal home?

Then, let’s consider acquiring some rental properties. Rental real estate tends to go up in value over time and the rent income tends to go up regularly also.

Getting the right mortgage plays a crucial role in how fast you can build wealth and an income.

Risk takers will sometimes gamble on a variable rate mortgage with a low interest starting point.

For people who enjoy a more security, the fixed rate 30-year loan is popular. You have a nice low payment on the 30-year loan and, if there is no prepayment penalty, you can always pay it off early when you have the extra funds to do so. In fact, if we get you a 30-year fixed rate mortgage, you can knock off five or six years off the loan if you make only one extra principal and interest payment per year until the loan is paid off.

Do You Want To Buy a Home Somewhere Else But Can’t Sell Your Old Home First?

Blancey Bryant-Knows What She Wants and Uses a Little-Known Tool to Get it

Blancey Bryant was looking forward moving outside the city so she could get back to her farming roots during the hours she wasn’t working. She lived with her youngest son in the home she had raised her family. He was finishing at the nearby college and planned to move out of state for a career opportunity. She didn’t want to sell her home until he was on his own and able to support himself. But…the world doesn’t give us opportunities on our own timetable.

Blancey’s realtor knew the kind of country place Blancey was dreaming of owning. As it turns out, her realtor found the perfect bit of land and country home with the functioning greenhouse that Blancey had been searching for. There could not be a more perfect location, and the price wasn’t bad either. Blancey felt pushed and pulled in opposite directions. She wanted to buy the new place, because who knows if another home like that would ever come along. But, she couldn’t sell the house out from under her son.

She could have gotten an equity line of credit for the $200K equity she had in her home and use it to pay down on the new home so her note on the new home would not be too high. But the equity line was a variable rate and Blancey did not like the uncertainty of that. She didn’t want to do a cash out on the old home for a fixed rate mortgage because there were closing costs.

How was Blancey going to buy the new home in the country and still keep her old home for her son to live in and not borrow against the old home? The answer was for use to use a little-known tool on her new loan by making it a mortgage with a recast option on it.

Blancey was still working so she could afford the payment on the old home and the higher payment on the new home. But when her son moved out of the old home, she would sell it and take the $200K profit and make a large prepayment to pay down the balance on the new home loan. Instead of having to refinance and pay closing costs, Blancey would exercise her recast option and the mortgage company would lower her payment to reflect the lower paid down balance. Her mortgage rate would not change. But her payment would drop from $3,000 per month to about $1,000 per month.

Other Financing Tools You Can Use in Today’s Market

We have already talked about how you can pay your mortgage off early and save interest costs.

We have talked about you can use the “recast” tool to use after you have purchased the new home and later sell your old home.

This market is very favorable for buyers who need the seller to pay some of the closing costs. You can negotiate to see if the seller would pay extra costs to cover a mortgage rate buydown. Either a permanently lower rate. Or, a 2-1 buydown where your first year rate would be 2 points lower than the market rate with a much lower payment the first year and a little higher the 2^nd year and back up to market after that. Some client opt for a hybrid adjustable rate mortgage instead.

For example, the going rate today Sept 4^th, 2026 is in the mid to high 6’s. But, on the FHA government-backed 5-1 Adjustable rate, in today’s market, you might start out for the first five years at a rate in the mid to upper 5’s. After 5 years the rate would adjust every year, but the safety caps prevent the rate from moving more than 1 interest rate point up or down in a year. The life time cap is a 5 interest rate points from where it started. On a $300,000 30-year loan the first five years you would save about $200 per month.

Down payment assistance programs are popular, especially with first time home buyers.

Loans that do not require as much documentation or alternative documentation to show income are very popular with self-employed borrowers and with real estate investors.

MAKE YOUR PLAN. LET’S WORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, LET’S DO IT TODAY. I can make the mortgage process easy. Connect with me at www.JoGarner.com You can email me at Jo@JoGarner.com or call me at (901) 482-0354

4^th Segment 8 minutes and 50 seconds

(THE SONG UpBeat Inspirations PLAYING IN BACKGROUND ) INSIGHTS & INSPIRATIONS

Making Your Assets Work for You

In Omaha, Nebraska, a quiet boy looked at the world not for what it was, but for what it could build. He didn’t inherit an empire, but he possessed a rare, mathematical genius: the uncanny ability to look at an idle resource, spot its hidden value, and command it to produce.

Early in his career, he bought a dying New England textile mill with empty looms and bleeding cash. Instead of panicking, he ruthlessly stripped away the corporate bloat and turned the company into a holding vehicle for a completely new kind of wealth engine. He targeted the insurance industry, realizing that the “float”—the passive, temporary premium cash just sitting in bank accounts—could be weaponized. He treated that idle money as a zero-cost resource, using it to buy up entire railroads, energy grids, and household brands. Where others saw a boring insurance policy or a dusty train track, he saw a non-stop, compounding pipeline of income.

He became one of the wealthiest and most famous people on Earth by proving that true fortune isn’t about chasing flashy trends. It is built by ensuring that every single dollar under your watch is awake, optimized, and working for you. That legendary architect of efficiency is Warren Buffett.

Are you wanting to purchase your first home? Are you wanting to invest in rental homes to build your income and wealth? Do you need to explore a mortgage that would pay off higher cost debt or fund your next project? We can look for ways to make your money and your assets work for YOU. Contact me today. Tell me what you want to do on your home purchase or refinance. We can look for just the right mortgage program to make your journey easier. Plus you will have me and our mortgage team to walk with you on your real estate journey.

Contact me today by calling or texting me at 901 482-0354.

(Jo) Today on Real Estate Mortgage Shoppe we are talking about “”What Does This Market Mean For Your Money? Put Your Mortgage & Home Value to Work”

Allen McCool, Appraiser with Stephenson & Associates 901 763-2100

Tiffany Thornburg of Empowered With Purpose Solutions health benefits company 901 643-5400

REAL ESTATE TIP OF THE WEEK

Tiffany Thornburg’s Tip #2

My second tip today: Medicare’s Annual Enrollment Period runs October 15th through December 7th, and it’s coming up fast. Even if you’re happy with your current plan, I’d encourage you to still take a look – because plans change every single year. Premiums shift, drug formularies change, doctor networks change. Staying on autopilot can quietly cost your hundreds of dollars a year, money that could instead be going toward your home, your investments, or just your peace of mind. This review is completely free, takes about 20-30 minutes, and there’s no obligation. I’d rather you spend that money on your goals than lose it to a plan that no longer fits you.

Allen McCool’s Tip (about 1.5 minutes)

Jo Garner’s tip :

Even if you are not ready to buy a home yet, if it is in your plan, let’s go ahead and start putting some financing scenarios together to support your plans. Connect with me at www.JoGarner.com (901) 482-0354

ANNOUNCEMENTS:

Talk Shoppe equips with education, engages by offering connection opportunities between business people and empowers businesses in a supportive community. Talk Shoppe meets every Wednesday 9A-10A CT at One City Church 120 N East Yates Rd Memphis, TN.

(Thank you to One City Church for being Talk Shoppe’s location sponsor. One City Church where making a difference starts with proving love works.)

Talk Shoppe on Wednesday Sept 9^th,2026 9AM CT “Assessing Your Business Roadmap to Success Using Latest Tools and Artificial Intelligence” Business Consultant, Al Da Silva

Thank you to retired US Navy Line Commander, Peggy Lau of Viago Travel for your contributions to our business and real estate community with your Talk Shoppe sponsorship. Do you dream of taking first-class vacations with people you care about, but you don’t want to have to pay market costs? Peggy can show you how to spend less and live more. What to know how? Peggy Lau can show you how 901 289-0747.

It is Labor Day so the fall and holiday season will be here before you know it. Do you want to make some wonderful memories with your loved ones during holiday season? Now is the time to book Santa Claus to be at your holiday get-together or special event. Contact Santa’s booking agent Chuck Bohannon at 901 619-6436.

MAKE YOUR PLAN. LET’S WORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, DO IT TODAY.

Subscribe for weekly Real Estate Mortgage Shoppe podcasts with show notes at www.JoGarner.com

SPECIAL NOTE: REAL ESTATE MORTGAGE SHOPPE DOES NOT ENDORSE 100% OF THE CONTENT ON THIS EPISODE. 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, AND NOT AN OFFER TO LEND. EXAMPLES GIVEN FOR ILLUSTRATION PURPOSES ON REAL ESTATE MORTGAGE SHOPPE AND MOST 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. JO GARNER IS A LICENSED MORTGAGE LOAN ORIGINATOR. (EQUAL HOUSING OPPORTUNITY)

(The Auditory version of this disclosure is played during the show)

QUOTE CORNER: “Every day, I get up and look through the Forbes list of the richest people in America. If I’m not there, I go to work.” – Robert Orben

REJOINDERS:

Pat Goldstein, Realtor of Crye-Leike Realtors 901 606-2000
Shelley Rothman and Rob Draughon, real estate attorneys with Griffin, Clift, Everton and Maschmeyer Law Firm 901-752-1133
Silvana Piadade, Realtor with EXP Realty 901 647-6661

Transitional Music: First Segment “WAAKA WAAKA” (PD) for Comic Queries; “Small Victories” by Allen McCool allenmccool.com for Did You Know segment; “Upbeat Inspiration” by Ikoliksaj for Insights and Inspiration segment.

INTRO AND OUTRO THEME MUSIC “Country Roads” by Sergie Pavkin

PICK UP YOUR COPY OF “CHOOSING THE BEST MORTGAGE-THE QUICKEST WAY TO THE LIFE YOU WANT” by: JO GARNER

An essential guide for real estate professionals and their customers.

On Amazon and Barnes and Noble

______________________________________________________________________________

ABOUT ALLEN MCCOOL, APPRAISER WITH STEPHENSON & ASSOCIATES

Allen McCool is a real estate appraiser with Stephenson and Associates. Holding the SRA designation from the Appraisal Institute, Allen has appraised residential property in Shelby County, TN for over 35 years, serving a variety of clients, including lenders, attorneys, and individuals. Allen applies a wealth of knowledge and analytical skill to each assignment, provides clarity in reporting results, and is a reliable provider of solutions to challenging real estate problems. 901 550-2100

ABOUT JO GARNER-MORTGAGE LOAN OFFICER:

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

(currently working with Everitt Financial dba Supreme Lending)

ONLINE LOAN APPLICATION : https://jogarner.supremelendingLO.com

“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 helping her clients find the right mortgage program and making the refinance or home purchase mortgage process EASY. She offers conventional, FHA, VA or other loan programs for primary residences, second homes and investment properties.

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 30 years. She grew up in West Tennessee and got her start in real estate 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 30 years.

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 the Mighty 990 AM, 107.9 KWAM & streaming on the app https://mighty990.com/app with podcasts and show notes published on www.JoGarner.com Pick up Jo Garner’s book on Amazon or Barnes Noble “Choosing the Best Mortgage-The Quickest Way to the Life You Want”

What Does This Market Mean For Your Money? Put Your Mortgage & Home Value to Work

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