Avoid the Cost of Letting Your House—or Your Finances—Become Delinquent
Here are the warning signs and good steps to take to avoid despair and a drop in your bank deposit balance. What you can do for a better outcome with your home, your finances and your life.
Host: #JoGarner #MortgageExpert 901 482-0354
Co-Host: #Edhill #MastersRoofing 901 273-6594
Featuring: #ClintCooper #RedeemersStructuralSolutions www.redeemersstructural. Com
Subscribe for weekly Real Estate Mortgage Shoppe podcasts with show notes at www.JoGarner. Com
#homeloan #improvecredit #homefoundation #roofingsolutions #homeowner #homeseller #realtor
1ST SEGMENT 12 MINUTES
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 August 22nd, 2026 is: Avoid the Cost of Letting Your House—or Your Finances—Become Delinquent. Smart financing, smart repairs, and smart living choices for your next chapter. 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 Hill of Masters Roofing
(Jo) Back in the co-host chair we have Ed Hill of Masters Roofing. You have a great reputation for doing excellent work on roof repairs and replacements. You also keep your customers happy with other types of exterior home repairs.Ed Hill of Masters Roofing, take a minute or two and introduce yourself and tell our listeners about some of the services you offer your clients. (Ed has about 1.5 minutes to intro himself and talk about the services he offers his clients)
(Jo) In the book “Atomic Habits” by James Clear, the author presents guide to building good habits and breaking bad ones by focusing on tiny, compounding 1% improvements every day. By changing out bad habits for good habits and including rewards for staying with the good habits, you can improve who you are as a person and your quality of life.
Tommy’s motto was “Live for today and don’t worry about tomorrow.” He moved from one job to another looking for the easiest way to make a living. He could not understand why people got so concerned about their credit and paying bills on time. He would pay them eventually.
This life worked okay for Tommy until he met some guys who were buying real estate and really building an income so that one day they would not have to work a job at all.
Tommy started attending some real estate investment meetings with his new friends. Not only were they finding ways to finance and buy real estate investment properties but some of the older guys in the group had so much income from real estate properties that they no longer worked for someone else. They were building their own wealth. They were generous too. One man gave to a local children’s hospital and some others were making a positive difference giving back to charities and needs in the community.
Within a short time Tommy became a new man. He had a vision and a burning desire for who he really wanted to be and what he would like to give back to the world. It was time to clean up his credit, pay down his credit card balances. He made is so that a certain percentage of his income went directly to his retirement account before he ever saw it. He cut back on his spending, but substituted some of the things he loved for things that cost less and still brought joy to his life.
Once his credit improved and he has some savings, he bought a small starter home for a place to live. He went in with some of his friends to buy, fix up and resell a rental property, pocketing some more money.
He set up a system on his electronic calendars. He built into his routine the necessary things he needed to do each day to stay in good health and pay his bills on time. He was alert and quick to handle warning signs with his properties and his finances. As his wealth grew, he kept doing yet another real estate deal. One step at a time and he was getting closer to being the man he truly wanted to be.
Just like taking care of your home and your health, credit, mortgage, and household budgets all require regular attention. Early action protects your property, financial stability, and future choices.
Recognize these Warning Signs
- Rising credit-card balances and declining emergency savings.
- Missing payments or paying bills late.
- Escrow shortages that increase the mortgage payment.
- Property-tax and homeowners-insurance increases.
- Homeowners should review their mortgage, credit, insurance, and budget annually.
Connection to the home: Just as a ceiling stain or wall crack warns of physical trouble, late payments and growing debt warn of financial trouble.
(Jo) Ed Hill of Masters Roofing, you have some tips that can help us avoid letting our house become delinquent. Since have a few minutes before we go to an advertising break, let’s go ahead and get started. (Ed starts launching into some of his topics until break. (about 3 minutes)
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 have Clint Cooper of Redeemers Group joining us when we come back after this break. Stay tuned.
2nd segment is after first break 8 minutes 50 seconds
( Waaka Waaka song in background ) COMIC QUERIES (you probably already know the
- (Ed Hill) Riddle:
Why did the missing mortgage payment become famous?
(Jo) Answer: Because it kept appearing in everyone’s reports!
(Jo ) Riddle: What is the difference between a roof leak and a teenager?
(Ed) Answer: If ignored long enough, they both find new ways to get your attention!
(Jo) Today on Real Estate Mortgage Shoppe, we are talking about Avoid the Cost of Letting Your House or Your Finances Become Delinquent
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
Ed Hill of Masters Roofing in Bartlett, TN 901 273-6594
2ND SEGMENT 8MINUTES 50 SECONDS
TALKSHOPPE TIP
Talk Shoppe is one of our major sponsors on Real Estate Mortgage Shoppe. Talk Shoppe offers free networking and education to our local business, real estate and health and wellness 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
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 or health and wellness. Talk Shoppe is made possible by the financial support of its sponsors. For more about Talk Shoppe, go to www.TalkShoppe.com (shoppe) For our Talk Shoppe Tip today we have Talk Shoppe sponsor Clint Cooper of Redeemers Group. Clint, you built an exceptional foundation and crawl space repair company, being listed in the top 5,000 companies in the nation by INC magazine. Redeemers Group can come out and inspect to see if there is a problem that needs to be remedied. You have multiple tools to bring solutions to foundation and crawl space repair and much more. Clint Cooper of Redeemers Group, what is your Talk Shoppe Tip today?
(Clint Cooper gives his 1-min or so tip)
Clint’s tip:
When weather is hot and dry like it is right now in the Midsouth, you may see cracks developing in your drywall, doors and windows may become hard open. These may be your house telling you there is a problem with the foundation. The ground shrinks when the weather is hot and dry and your foundation is likely sinking. Redeemers Structural Solutions can come out and inspect it. They can tell you if there is a problem and what they can do to fix it.
TOPICS COVERED BY ED HILL OF MASTERS ROOFING
(901) 273-6594
HOW TO TURN YOUR HOUSE INTO A JUVENILE DELINQUENT
In the 1950’s the police department of Houston, Texas handed out a flyer to the public entitled, “12 Rules To Raise A Juvenile Delinquent.” It stated obviously unacceptable guidance that if followed, was sure to ruin Houston’s population of young people, dooming them to a life of crime and misery. The reverse psychology was intended to wake up parents who were unintentionally following these wrong ideas and thereby raising problems for themselves and Houston. The list of rules can be easily found online today and they can be read in the photograph below.
The reverse psychology approach hoped to shock many
In a similar way, unsuspecting homeowners are, metaphorically-speaking, turning their houses into real estate juvenile delinquents, sure to break their homeowner hearts if their mistakes are not corrected.
The common factor between Houston parents and modern homeowners is neglect. Leaving a child or a house to it’s own way leads to destruction in both cases.
However, for any homeowners who want to turn their houses into juvenile delinquents, here are some ways to do so:
- Never spend time with the house. Find other more exciting things to do than to paint the exterior or have plumbing repairs made.
- When competent, professional, experts tell you that specific repairs are nearly at the urgent or emergency stage, reassure yourself that you know what you’re doing and don’t need any advice from know-it-all heating and air guys or roofing contractors.
- When licensed electricians warn you that faulty electrical wiring and a fuse box from the 1950’s are also in violation of fire safety codes, just roll your eyes at such a lame attempt to scare you into a sale.
- When your house has peeling exterior paint, moldy wood rot and makes you close your eyes rather than carefully study the decay of the exterior, just declare victory with this statement, “It’s not that bad…it can wait until I retire, then I will whip this house into shape.”
- When you hear a door knock from a random stranger who says he has helped neighbors with the same problems that your house has, then do not do your own research and by all means hire him on the spot and also be sure to pay a healthy downpayment so he can get the materials and return to do the work later today.
These are just a few examples of how to turn your house into a juvenile delinquent. Of course, you already know that you should do exactly the opposite if you want your house to be well-maintained and a blessing to you for the years ahead.
Ed Hill, is Senior Consultant with Masters Roofing in Memphis, TN and also the host of MemphisHomeMaintenanceShow.Podbean.Com which is heard across America and around the world. If you would like to discuss your home exterior, interior or roofing concerns and seek advice and assistance then reach Ed directly at 901-273-6594.
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)
(Ed to ask the trivia question) What beloved Memphis athlete spent time in juvenile detention as a teenager but later became known for quietly helping families keep their utilities connected?
(Jo) Hint #1: As a teenager growing up in poverty, he got into serious trouble. At 14, he reportedly spent 30 days in juvenile detention, and further problems followed him into his early professional career. But when he came to Memphis, his story began to change. He became a two-time NBA All-Star and helped establish the Grizzlies’ celebrated “Grit and Grind” identity.
(Jo) Hint #2: Off the court, he repeatedly donated $20,000 to help struggling Memphis families avoid utility shutoffs. He distributed Thanksgiving meals, provided winter clothing and supported children whose parents were incarcerated.
The young man once known for delinquency became so loved in Memphis that the Grizzlies retired his number 50.
(Clint Cooper to give the answer : Zach “Z-Bo” Randalph-a powerful reminder that your beginning does not have to determine your legacy.
(Jo) Today on Real Estate Mortgage Shoppe, we are talking about Avoid the Cost of Letting Your House or Your Finances Become Delinquent
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
Ed Hill of Masters Roofing in Bartlett, TN 901 273-6594
Clint Cooper of Redeemers Group www.RedeemersGroup.com
TOPICS COVERED BY JO GARNER, LICENSED MORTGAGE OFFICER
Give Your House and Finances Some Adult Supervision
- Inspect the roof, exterior, drainage, and foundation. (Once a year a few months before my out of town guests will be visiting, I start my spring cleaning. As I am going through each room, the patio and garage, I make a list of things that need repair, some paint or things that need to be replaced.)
- Review the household budget, credit, mortgage, taxes, and insurance. (Some people do this when they are preparing their tax return. But, while you are going through the records, sort your expenditures into categories like Fun Stuff, Food, Car Expenses, Software and Apps you are paying for. What do you need to keep but can substitute for something that cost less? Can you buy less of something and still be happy? Set up your budget. Go to www.annualcreditreport.com and check your own credit on all three bureaus. Check for fraudulent accounts. Check to see how well you are keeping your credit card balances under 30% usage on each account. Check your savings and investments. Are you on track with your goals? ).
- Build emergency and home-maintenance savings. (Did you know that most employers will allow you to have a certain percentage of your income deducted and sent to a designated savings account in addition to your retirement contributions? Set it up to go to your savings account that you will not touch. That is your emergency fund.
- Address warning signs before they become emergencies.
- Look for ways to make your house and other resources to earn you money. (Renting out the bonus room upstairs to a student or traveling professional. Using your car to drive part-time for a ride sharing company.)
- Consult with a certified trusted financial advisor. That advisor can help you automate some of the places where your money comes and goes. You only need to take a couple of minutes periodically to make sure you are on track.
- Wendy Weaver-single mother-college student makes her money on a rented apartment
Let me introduce you to Wendy Weaver, a young single mom, recently divorced and still in college trying to earn her counseling degree. She really needed to get her degree in counseling in order to do what she loved to do and make enough money to support her two elementary school aged children, but the child support from the father was not enough to make this possible.
Necessity is the mother of invention which certainly held true for Wendy. She went on a search for a cheaper apartment and found a large 7-room apartment in an apartment house that needed some plumbing repairs and major clean up to even be habitable. Wendy made a deal with the landlord to have a friend fix the plumbing and she would clean, polish and paint theapartment in exchange for a 3-year lease at half the market rent.
The landlord agreed and Wendy moved in and rented two of the extra rooms to university students, helping her afford to stay in school and get her degree. She eventually landed a great job with her college degree and her professional license. She bought her own home in an area where she could raise chickens and have eggs to trade and sell on the side. So, even today, Wendy knows how to make real estate pay HER to enjoy living in her home.
As a homeowner, consider these ideas for getting your house to earn its keep.
(Make sure you check your city or neighborhood zoning and covenants and restrictions)
-
- Renting out a separate living area to a student or traveling professional.
- Modifying your home so that an ailing family member you can care for an ailing family member instead of paying thousands of dollars per month on independent or assisted living. (You may still need outside help)
- Growing your own vegetables and fruit to can or freeze and eat.
- Move your business to your home instead of paying rent on a commercial space.
- If you have lots of land check out ways your land can earn you money while you sleep.
EARN GOOD BEHAVIOR ON YOUR CREDIT REPORT
- Check your credit through www.annualcreditreport.com or sign up for a credit monitoring service to keep tabs on your credit. Review reports to identify errors. Make corrections to the errors immediately.
- Make your payments on time, never going over 30 days late. Payment history makes up about 35% of your score. If you get a 30-day late report on your credit from a creditor, your scores could fall 25 to 60 points or more.
- Keep any revolving accounts such as credit cards UNDER 30% usage. Get your usage to 10% or lower, and you could raise your score dramatically in a short time. Credit usage makes up about 30% of your credit score.
Example:
Credit Card Credit Limit: $10,000
Maximum usage: $3,000
30% usage on a $10,000 credit line means the balance owed is never to exceed $3,000 at any time during the month.
- Avoid “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 credit card history results in better scores. Length of time on a credit account makes up about 15% of your score. An account older than six months helps you a little. An account five years and older helps you a lot. Don’t close credit card accounts unless they have a high annual fee.
- Credit inquiries and getting new credit makes up about 10% of your score. Be careful about accumulating inquiries on your report because these can have a negative impact. When shopping for a mortgage—that is, when only other mortgage companies pull your credit within a 14- to 45-day period—the inquiries appear but should not penalize you so that you can shop without it hurting your rating.
- Some clients have asked, “Why do I even need to pay off this collection balance?” The reason we pay off collections is that it is the right thing to do. If you receive notice of a creditor about to file against you, immediately contact them and pay the bill, or set up amicable payment terms. Collections stay on your account for seven years. Even if you pay it off, it remains on your credit report as “not paid as agreed.”
As you prepare for a mortgage application, check with your lender before paying off a collection. When you pay it, the creditor reports you “paid.” Most see this as a good thing. Human underwriters seem to look favorably when they see that the borrower has paid the bill. However, the credit scoring machine sees it as another derogatory report because a numerical code for the “collection tradeline” is updated in the system.
Talk with your lender.
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
4th Segment 8 minutes and 50 seconds
(THE SONG UpBeat Inspirations PLAYING IN BACKGROUND ) INSIGHTS & INSPIRATION Jo shares this story
THE TREMENDOUS TURNAROUND
Once, a gifted Oscar-nominated actor watched addiction destroy nearly everything he had built. Arrests, probation violations and prison followed. Hollywood studios considered him too risky to insure, leaving his career, finances and future in ruins.
But in 2003, he made a life-changing decision. He discarded his remaining drugs, committed to recovery, practiced martial arts and began rebuilding his life—one disciplined day at a time.
A friend offered him a crucial second chance by personally covering the insurance for a movie role. He honored that trust, eventually earning the role of Tony Stark in Iron Man and becoming one of Hollywood’s greatest comeback stories. Today, he supports environmental innovation and encourages others battling addiction.
Robert Downey Jr. proved that your worst chapter does not have to be your final chapter.
Let’s talk about what you can accomplish with your mortgage. I can help you find the right mortgage and make the process easy. Connect with me at (901) 482-0354 or JoGarner.com
(Jo) Today on Real Estate Mortgage Shoppe, we are talking about Avoid the Cost of Letting Your House or Your Finances Become Delinquent
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
Ed Hill of Masters Roofing in Bartlett, TN 901 273-6594
Clint Cooper of Redeemers Group www.RedeemersGroup.com
REAL ESTATE TIP OF THE WEEK
Clint Cooper of Redeemers Group offers tip The weather has been hot and dry lately. If your toe bumps against rising concrete on your sidewalk or driveway, this means you are about to have a problem needing some concrete repair. The expansion and dropping of concrete due to heat and dryness means it is moving and needs repair.
Ed Hill of Masters Roofing Set up a regular time to walk around your house and look for cracks, leaks, peeling paint or missing shingles. The quicker you act on problems needing repair, the less expensive they are to fix.
Jo Garner’s tip : According to the National Association of Realtors® (NAR), the typical U.S. homeowner in 2025 has a net worth about 43 times higher than the average renter. If you are renting now and plan to remain in the geographic area for the next few years, lets look at what your life and your financing could look like owning your home vs renting.
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:
Thank you to one of our major sponsors. 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 Talk Shoppe’s location sponsor, One City Church 120 N East Yates Rd Memphis, TN. One City Church is where people are committed to proving love works in Memphis and beyond.)
Talk Shoppe says thank you to the generous sponsors who make the free education and networking possible to our local business community. A great way to say thank you to some of these sponsors is to vote for them on the Memphis Most People’s Choice Award. Google Memphis Most contest 2026 to find the link. (it will be on our blog post for today’s show too.
Click this link to get started
https://commercialappeal.gannettcontests.com/2026-Memphis-Most-Communitys-Choice-Awards
August 17th through August 31st is the Voting Days. So pull together everyone you know to vote everyday when the contest opens.
|
BEAUTY AND HEALTH |
|
||||
|
Home Care |
|
||||
|
HOME HELPERS |
|
||||
|
|
|||||
|
ENTERTAINMENT AND LEISURE |
|
||||
|
Family Amusement |
|
||||
|
Santa Claus -Chuck Bohannan listed as “Santa Claus-Chuck Bohannan (Ho, Ho On The Go)” |
|
||||
|
|
|||||
|
Radio Personality/Show |
|
||||
|
KWAM-Real Estate Mortgage Shoppe -Jo Garner |
|
||||
|
|
|||||
|
FINANCE |
|
||||
|
Financial Planner |
|
||||
|
Independent Planning Group – Ben Hunter Independent Planning Group will be listed on ballot for “Best Financial Planning Services” |
|
||||
|
|
|||||
|
Mortgage Lending |
|
||||
|
Supreme Lending-Jo Garner |
|
||||
|
|
|||||
|
KIDS & EDUCATION |
|
||||
|
College/Universities |
|
||||
|
Concorde Career College |
|
||||
|
|
|||||
|
|
|||||
|
SERVICES |
|
||||
|
Basement/Foundation/Water Proofing |
|
||||
|
Redeemers Group |
|
||||
|
|
|||||
|
Insurance Agent |
|
||||
|
Allstate Insurance- Lynn McDonald |
|
||||
|
|
|||||
|
|
|||||
|
|
|||||
|
Moving Company |
|
||||
|
All Things New -Leah Anne Morse |
|
||||
|
|
|||||
|
Heating and AC Company |
|
||||
|
Refrigeration Unlimited |
|
||||
|
|
|||||
|
Law Firm |
|
||||
|
Griffin, Clift, Everton and Maschmeyer |
|
||||
|
|
|||||
|
|
|||||
|
Real Estate Company |
|
||||
|
Evernest Property Management |
|||||
|
|
|||||
|
|
|||||
|
Real Estate Agent |
|
||||
|
Crye-Leike- Pat Goldstein |
|
||||
|
|
|||||
|
|
|||||
|
Roofing |
|
||||
|
Masters Roofing- Ed Hill; for both Commercial Roofing & Residential Roofing |
|
||||
|
|
|||||
|
Retirement 55+ |
|
||||
|
Hearthside Senior Living |
|
||||
|
|
|||||
|
Travel |
|
||||
|
Viago Travel-Peggy Lau |
|
||||
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)
- QUOTE CORNER “The only real mistake is the one from which we learn nothing.” — Henry Ford
ACKNOWLEDGMENTS AND CREDITS
REJOINDERS:
REJOINDERS:
- Jennifer Hart Jones of City of Memphis Down Payment Assistance Programs
- David Corwin, Deputy Director of USDA Harrisburg, Pennsylvania
- Ken Sullivan, Tax Matters Solved Millington, TN
Transitional Music: First Segment “WAAKA WAAKA” (PD) for Comic Queries; “Small Victories” ” by Allen McCool ( www.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 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
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.
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”