A.I. on the Roof, A.I in the Loan File: The Future of Home Buying & Home Repair

 

 

“A.I. on the Roof, A.I in the Loan File: The Future of Home Buying & Home Repair” 

 

“A.I.  on the Roof, A.I. in the Loan File: The Future of Home Buying & Home Repair” 

Sat Dec 6th 2025 11 CT KWAM The Mighty 990 AM & 107.9 FM & on the app www.mighty990.com/app 

Host #JoGarner #MortgageExpert (901) 482-0354

Co-host #EdHill #MastersRoofing (901) 273-6594

Featuring Mark McLaurine of Refrigeration Unlimited 

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

#EasyMortgageLoan #memphisroofing #Roofingrobots #realtor #homerepair #memphisrefinance #AIformortgage

 

 

LET’S GET STARTED…(Jo) (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 Originator.  You can connect with me at www.JoGarner.com. Our topic today December 6^th 2025 is: ““A.I. on the Roof, A.I in the Loan File: The Future of Home Buying & Home Repair.” Thank you to attorneys Shelley Rothman and Rob Draughon of Griffin, Clift Everton and Maschmeyer Law Firm for sponsoring this episode.  When you are ready to buy a home or refinance one, call Rob and Shelley for the title work and closing. 901 752-1133. 

 

Introducing Ed Hil of Masters Roofing 

 

 

(Jo) Back in the studio we have expert roofer, Ed Hill, Senior Consultant with Masters Roofing in Memphis. Check out his roofing show room in Bartlett, TN.   Check out Ed’s podcasts at https://MemphisHomeMaintenanceShow.podbean.com Ed Hill, take a minute or so and introduce yourself to our new listeners and talk a little about what you do for your clients at Masters Roofing (Ed introduces himself to our listeners and talks about the services he provides- about 1.5 minutes)

(Jo) There is a wise saying, that if you want to be successful or skilled at something some one else does well, model that person.  Model the way that person thinks and the way that person succeeds and excels.    If you look at the stories of famous people who have achieved great things in life, you will find that they regularly stepped out of their comfort zone.  They pushed past fear of the unknown and embraced new ideas.  Some of those people contributed to things that make our life better, or at least more convenient.   Henry Ford invented the automobile.  Steve Jobs invented the iphone and ipad. Ada Lovelace, the first computer programmer and so on.   What would happen if you fully adapted and embraced changes in your life?  What would your life be like?  What kind of life could you give to your loved ones?

I Want it Fast, Easy and Everything Online—Lukas, Real Estate Investor 

 

Lukas (not his real name) had big dreams to be able to spend time at home and traveling on exotic vacations with this family and not have to work a 9 to 5 job.   When he was in his early 20’s he started spending time listening to podcasts from very successful real estate investors who were living his dream.    They had invested over time and now were financially able to not have to work a regular job.    

Lukas stepped outside his comfort zone,  modeling how these real estate investors found properties to buy, how they funded them and how they made money on them.   When Lukas reached out to me via text, a few months ago, he told me he already owned a couple of rental homes and he wanted to buy some more.  He told me, I do everything online and with apps.  Can you get a mortgage processed and closed for me in less than 30 days.   

I never met Lukas personally because he lived out of state and we did business with Lukas the way Lukas wanted to do business –entirely online. He gave us a 5-star rating after his closing and said it was the fastest, easiest system of getting a mortgage.  Since he was buying rental property, we used a low-documentation loan called a DSCR (Debt Service Coverage Ratio) loan that did not look at any of Lukas’ income except the lease on the property he was purchasing.  The rate for him was even better than using a traditional product so his monthly cash flow profit was better at the get-go.  He was looking for fast, easy and profitable.    We helped him do that on his mortgage.  If that is what YOU are looking for, let’s talk 901 482-0354.  

There’s an App For That—Newest A.I. Tools Make it Easy For Borrowers

We will work with you however you want to go through the mortgage process.  You can call me and I can take your information over the phone and  you can email me you bank statements,

OR, you can use our app.  You can complete your application through the app on your own time table.  You can use your phone with this app to upload copies of the paystubs  and bank statements.    If you chose to give us (temporarily ) credentials to access your bank statements and paystubs, and more, the A. I. programming will go out and retrieve  a big part of your those  documents too.   You can use e-signatures all the way through.    You never have to meet the loan officer. (Although, I really like meeting my customers, even if it is at the closing table )

The choice is yours on how you prefer to do business with getting your mortgage.  A. I. is NOT taking away all of the human element.  I believe there will always be a human in the mix   helping you close quickly and easily 

(Jo) Ed Hill of Masters Roofing, what are you seeing of how A. I. is affecting the roofing industry? (Ed can share some of his topics until the 10 seconds or so into the closing theme music ending this 1^st segment)

 

 

 

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   When we come back, we will be hearing more from Ed Hill of Masters Roofing. We are hoping to hear from Mark McLaurine of Refrigeration Unlimited. Stay tuned.     

 

 

 

 

 

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 

Riddle:  “I speak without a mouth, learn without a brain, and can answer your questions but have no feelings. I’m in your phone, your car, and your home. Who am I?”

(Answer): Artificial Intelligence/A Digital Assistant/A Chatbot 

_______________________________________________________________________________________

Today on Real Estate Mortgage Shoppe, we are talking about “A.I. on the Roof, A.I in the Loan File: The Future of Home Buying & Home Repair”

 

 

I’m your host,  Jo Garner, Mortgage Loan Originator . For your home purchase or a mortgage refinance you can brag about,.   I want to hear your story.  We can find the right mortgage product and make the mortgage process EASY.  Connect with me at JoGarner.com

Ed Hill of Masters Roofing is in the studio with us.   Ed Hill how is the best way to reach you if we want to talk about home improvement?  (901) 273-6594

We are trying to get Mark McLaurine of Refrigeration Unlimited on the line. Mark McLaurine, like Ed Hill, knows a lot about home and appliance repair—with his specialty in installation and repair of heating and air systems.  

 

Talk Shoppe is one of our major sponsors on Real Estate Mortgage Shoppe.  Talk Shoppe offers free networking and education to our local business community.   If you join the Talk Shoppe Sponsor team, you can get a wide variety of marketing venues at a below-market price.   www.TalkShoppe.com 

Let’s bring Mark McLaurine of Refrigeration Unlimited on the show for our Talk Shoppe Business Tip

Mark McLaurine offers a business tip to listeners from the Heating and Air industry 

Tip:   Use your google calendar or set up reminders every 3 or 4 months to change out your heating and air filters to keep your unit running at its optimum 

(901) 216-7782

___________________________________________________________________________

TOPICS COVERED BY ED HILL OF MASTERS ROOFING IN BARTLETT, TN

Robo Roofers? Is This The Future?

Will we one day see a team of robots installing new roofs? 

The answer is, “Yes and no.” 

Yes

Actually, roofs are being installed by robotic tools. American Construction in Summerdale NJ has a video online demonstrating a robotic roof installation. Do you know what the robot’s name is? It’s Rufus! Renovate Robotics produces Rufus and it’s already on the job.

No

Watch the video posted online by American Construction out of New Jersey and you will quickly realize that Rufus is great at nailing the shingles on to the roof decking, but it’s like if you see a turtle on a fence post…you know he had help getting there. Rufus can’t drive to the work site, load up shingles and nails and then climb to the roof…Rufus needed human help.

Then notice that there are hydraulic lines and or electrical lines that tell us that without being supplied with these by a human, Rufus is helpless. There is another thing you will realize: Rufus has to be connected to a tether to move up the slow and not fall off the roof. You will also see that Rufus is being guided by a human using an iPad remote control. Humans had to deliver and position Rufus on the roof, as well as load shingles and nails into it.

 

The Future?

Robotics are now being refined making the sci-fi writings of Isaac Asimov’s short story collection “I Robot”, more possible. 

Tech companies like Boston Dynamics, are pioneering the use of Artificial Intelligence, Artificial General Intelligence and machine learning.  In spite of cautionary tales such as “Rise of the Machines” the third Terminator movie, mankind has opened the Pandora’s box of technology without guardrails, doing whatever is possible without moral boundaries. 

 

Engineered Arts has produced a humanoid names Ameca. Tesla has produced a humanoid named Optimus.  Humanoids are SO last decade. The edge has been pushed to androids which more closely resemble humans. Their silicone skin feels warm like human skin. Androids make eye contact and blink their eyes…so one day???

 

Four Reasons Why Humans Will Always Be Roofers

1. Humans can diagnose tricky leaks! 
2. Humans can reflash brick chimneys!
3. Humans can deal with wacky neighbors!
4. Humans can find runaway cats!

• Questions from host: “What tasks do you expect robots to take over first—inspection, tear-off, or installation?”
• “How will robotic roofing change pricing for homeowners?”
• “Will there still be a need for skilled roofing crews when robots get involved?”
• Robotic shingle installers now being tested—designed to reduce accidents, increase precision, and work in extreme temperatures.
• Drone-based inspections already mainstream: thermal imaging, wind/hail damage detection, and real-time reporting.
• AI systems for estimating jobs—software that analyzes roof pitch, square footage, expected materials, and weather patterns.
• Safety benefits: Removing crews from dangerous slopes, minimizing insurance claims, lowering long-term costs.
• When full robotic installations might become common: What looks realistic in 5–10 years?
•  

 

Ed Hill, Senior Consultant, Masters Roofing Memphis, has 18 years of experience in serving roofing customers. He is 100% human and awaits your call or text at 901-273-6594. Listen free to his podcast at    MemphisHomeMaintenanceShow.Podbean.Com

 

 

 

3^RD SEGMENT 12 minutes

 

 

• For Did You Know  today…(see if you can guess the answer from Action News 5 in Memphis back in 2023)
• Did you know about a restaurant in Memphis that started using robots for serving food to their patrons?  Which restaurant is it?  
• When this restaurant in Memphis was short on servers,   they put some cat-like robots called Bellabots to work for them.  These cute robots were programmed to entertain and deliver food to the customers.   They could even sing Happy Birthday to customers celebrating their B Day at the restaurant.    
• Customers say they love the bellabots.  Human servers love them because they can deliver the food to the customers before it gets cold and leave more time for the human servers to interact with the diners. 
• In 2023 there was a news feature about this restaurant using cat-like robots to serve food to customers.   Which restaurant am I referring to?      
• ANSWER:   El Porton at poplar and highland in Memphis.     Now YOU know the restaurant, El Porton, is the one that introduced bellabot robots as servers.   
•  
• Today on Real Estate Mortgage Shoppe, we are talking about “A.I. on the Roof, A.I in the Loan File: The Future of Home Buying & Home Repair” 
•  
•  
• I’m your host,  Jo Garner, Mortgage Loan Originator . For your home purchase or a mortgage refinance you can brag about,.   I want to hear your story.  We can find the right mortgage product and make the mortgage process EASY.  Connect with me at JoGarner.com
• Ed Hill of Masters Roofing is in the studio with us.  Ed Hill how is the best way to reach you if we want to talk about home improvement?   (901) 273-6594

 

 

 

TOPICS COVERED BY JO GARNER, LICENSED MORTGAGE OFFICER

 

 

That story about the restaurant using Bellabot robots to serve diners made me think of a story told by a former airline pilot turned comedian.  It made me laugh    Here’s the story…

“ The airplane takes off into the sky. As the airline passengers settle in, ready for a relaxing flight, a mechanical voice calls out over the intercom, “Welcome to the future of air travel. We are now cruising at 30,000 feet.    This is our first flight being flown completely by a robot. Don’t worry. Sit back, relax and enjoy the flight—the flight– Computer malfunction…computer malfunction.”

Uh-oh!  But hopefully A. I. Artificial Intelligence for roofing and mortgages will turn out to be a lot smoother than that airplane flight was going to be. 

 

My former client Jimmy Jen (not his real name) had experienced a bumpy ride during 2020 and almost lost his business. He did the entire mortgage transaction with me online 

 

 

 

Jimmy Jen Does the Math Then Refinances to Pay off Variable Rate Debt 

Jimmy Jen had been living in his home for many years and had paid his mortgage down to a little over $100,000. His home was worth over $500,000.  Jimmy owned his own business that he almost lost during 2020.  To survive the long shutdowns in 2020 Jimmy racked up variable rate debt on an equity line of credit and on his credit cards.  With the Federal Reserve going up on their rate, making alarming hikes and promising to make more, Jimmy could see into the future that the cost on his variable rate debt would be hiking right along with the Fed.   He called me after listening to Real Estate Mortgage Shoppe and said, “Then what can I do to lock down my debt into a fixed rate? “

 

The mortgage rate I quoted him to refinance and pay off his old mortgage was higher than the rate he was paying. At first, Mr. Jen hesitated –not wanting to give up his lower mortgage rate.  But he discovered he was paying well over 15 % interest on the credit card debt and the interest and payments on this equity line of credit was moving up too. Mr. Jen did some math in his head and decided the refinance  of his old mortgage to roll in the other debt would slam the lid down on the variable rate rising costs. 

 

The Future of the Mortgage Process

 

I believe there will always be a future for human beings like myself in the mortgage process.  We humans can listen and relate human-to-human.  The A.I. Artificial Intelligence programs are designed to automate, regulate and process your supporting documents quickly . 

The goal is to take a mortgage application today and get it approved the same day.   We are getting closer to that goal. 

 

 

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 & INSPIRATION

There is an old and simple anecdote often used to illustrate how to handle overwhelming challenges, including the fear of change:

A wise person was once asked the best way to cross a vast, dangerous swamp. Many people had tried to rush through, only to become stuck in the mud or lose their way.

The wise person offered this advice: “Cross the swamp not by looking at the distant shore, but by taking one step at a time, ensuring each foot lands on solid ground before moving the next. You can’t see the entire path from the beginning, but you can feel the stability of the step right in front of you.”

The moral is that when faced with a significant life transition—the “vast swamp” of change—we often freeze up, overwhelmed by the unknown future or the sheer scale of the shift. The fear melts away when we stop trying to navigate the whole journey at once. By focusing on adapting one intentional, manageable step at a time, we maintain stability, build confidence, and eventually find ourselves safely on the other side.

 

 

Today on Real Estate Mortgage Shoppe, we are talking about “A.I. on the Roof, A.I in the Loan File: The Future of Home Buying & Home Repair”

 

 

I’m your host,  Jo Garner, Mortgage Loan Originator . For your home purchase or a mortgage refinance you can brag about,.   I want to hear your story.  We can find the right mortgage product and make the mortgage process EASY.  Connect with me at JoGarner.com

Ed Hill of Masters Roofing is in the studio with us.  Ed Hill how is the best way to reach you if we want to talk about home improvement?  (901) 273-6594

We are trying to get Mark McLaurine of Refrigeration Unlimited on the line. Mark McLaurine, like Ed Hill, knows a lot about home and appliance repair—with his specialty in installation and repair of heating and air systems.  

 

 

 

 

 

REAL ESTATE TIP OF THE WEEK 

Ed Hill of Masters Roofing shares a short tip from the home improvement industry (About one minute)  Humans are ALWAYS involved in important aspects of the roofing job at Masters Roofing.  Humans can offer so many crucial solutions where another human being is required to do what the computer is not programmed to do.  

 

Jo Garner’s tip :   If you have a dream of owning a home but your credit is not where it needs to be, I know some things you can do that will make the most positive difference on your credit for the least amount of effort and cost on your part.   Call me or text me at 901 482-0354 I am not a credit repair professional but I have been working with my customers and their credit for over 35 years.  I know some things that can help you get your mortgage approved. 

 

What do YOU want to accomplish with YOUR mortgage?  I have the knowledge and experience. Let’s look at traditional mortgage products, alternative mortgage products and even combinations of products. I can help you get you what you need and make the mortgage process EASY.     Jo Garner, Mortgage Loan Officer 901 482-0354   www.JoGarner.com 

 

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 Independent Planning Group’s conference room 110 at Clark Tower 5100 Poplar Ave 1^st floor Memphis, TN

(Thank you Ben Hunter 901 660-2912 outstanding Financial Professional at Independent Planning Group for being Talk Shoppe’s location sponsor)

Talk Shoppe on Wednesday December 10^th, 2025 9 AM Daniel Irwin of the Better Business Bureau presents “Scam Awareness for People and Businesses”

Talk Shoppe says thank you to the generous sponsors who make the free education and networking possible to our local business community.

Congrats to our Talk Shoppe Sponsors who were recently honored at the Memphis Most Community Awards (there were many but here are a few)

MidSouth Home Helpers, 

Leah Anne Morse of All Things New

Donna Roach of Hearthside Senior Living 

Mark McLaurine of Refrigeration Unlimited 

Redeemers Group Foundation Repair

Taylor Morse, Cartridge World of Collierville 

Shelley Rothman and Rob Draughon of Griffin Clift Everton and Maschmeyer Law Firm

Ed Hill of Masters Roofing 

Pat Goldstein, Realtor with Crye-Leike 

Sherry Harbur of Harbur Realty  

Jo Garner, Supreme Lending (Mortgage)

Real Estate Mortgage Shoppe –this show Thank every one who voted for us and these other dedicated businesses

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)

• QUOTE CORNER:  Quote Corner   “The best way to predict the future is to invent it.” – Alan Kay

 

 

ACKNOWLEDGMENTS AND CREDITS

REJOINDERS:  

1. Tim Flesner of Mid-South Home Helpers 901 414-9696
2. Taylor Morse of Cartridge World of Collierville  cw0803@cartridgeworldusa.com
3. Clint Cooper of Redeemers Group   www.redeemersgroup.com

 

Transitional Music: First Segment    “WAAKA WAAKA” (PD) for Comic Queries;    “Brighter Tomorrows” by Stocktunes 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 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

You Tube Channel: Ed Hill Masters Roofing

http://Instagram.com/EdHillMastersRoofing

www.Facebook.com/EdHillMastersRoofing

 

 

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.