Cool Comfort & Smart Financing: How to Get Repairs Financed and Finished Fast
When you roof springs a leak right before you leave for vacation or your air conditioner quits working on a 100 degree day in July, you need financing in 15 minutes and the repair done today—not tomorrow. Here’s how to do it.
#JoGarner #MortgageExpert 901 482-0354
#MarkMcLaurine #memphishvac Refrigeration Unlimited 901 216-7782
#EdHill of Masters Roofing #midsouthroofer 901 273-6594
Subscribe for Real Estate Mortgage Shoppe podcasts with show notes www.JoGarner .com
LET’S GET STARTED…(Jo) (Good morning, Memphis! Welcome to our internet listeners and podcast listeners across the 50 states! . Today is May 9th, 2026. I’m your host, Jo Garner, Mortgage Loan Originator. You can connect with me at www.JoGarner.com. Our general topic: Cool Comfort & Smart Financing: How to Get Repairs Financed and Finished Fast
Thank you to real estate attorneys Shelley Rothman and Rob Draughon of Griffin, Clift, Everton and Maschmeyer Law Firm. For your real estate purchase or refinance closing call Rob and Shelley at 901 752-1133.
INTRODUCING MARK MCLAURINE OF REFRIGERATION UNLIMITED HVAC CO.
Mark McLaurine of Refrigeration Unlimited Heating and Air Conditioning company is back in the Real Estate Mortgage Shoppe studio again. . I have heard some testimonials from people who say you have found a quick and inexpensive repair that prevented them having to buy a costly new heating and air system. Mark McLaurine, you are known as the heating and air strategist. Take a minute or so and tell our listeners a little about yourself and the types of services you offer your clients. (Mark McLaurine has about a minute and a half to share a little about himself and the services he offers his clients.)
(Jo) Can you remember a time when you finally found the one thing you have been searching for. You are overjoyed at finding it, but right suddenly a problem pops up and that ONE thing you wanted is suddenly out of reach?
I remember customers who find the PERFECT house or need to refinance to FINALLY catch a big break financially. But suddenly repair issues through up roadblocks and the dream looks like it will die. Later, I plan to share with you some client stories and the financing tactics they used to get over the roadblocks with some smart financing techniques.
Inquire
Are you preparing to get a mortgage on a home you are about to buy or refinance? If the mortgage company requires an appraisal on the house, it is good to inquire if needed before spending your money on the appraisal. For example, do you see repair issues in the home? Will the seller agree to pay for getting all the repairs completed? How much will you need to pay for the repairs? Do we need to use a renovation and repair mortgage product or some other solution?
Inspect
If the mortgage company requires an appraisal and the appraiser mentions certain kinds of repairs on the appraisal, most underwriters will require these repairs to be done before closing. Crucial repairs are those connected to the Structure, Security and Sanitation of the home. Repairs that affect the structure include rotted wood; foundation problems; roof leaks or missing shingles; peeling paint (especially if the home was built prior to 1978); broken siding; electrical, plumbing, or heating problems; or issues with the air and duct systems.
Repairs affecting the security of the home include doors that do not operate correctly, broken locks, or open access to the house from outside. Repairs pertaining to the home’s sanitation include drainage problems, faulty water supply, septic issues; mold; and more.Most underwriters want the trouble areas corrected before closing, but there are some workarounds when items can be fixed after closing, too.
Innovate
When the repairs must be fixed before closing, the buyer and seller negotiate who will pay for which repairs. If the buyer pays, the mortgage company will have to verify in the borrower’s asset accounts that they have the funds to cover closing and repair costs. The old “repair allowances” are not allowed on traditional mortgages unless it is paid directly to the repair contractor who does the work. Sometimes lenders can allow some of the repair money to be held in escrow for a few days. If there repairs are over $5,000 or even $105k or more, you may want to explore the advantages of a special renovation and repair mortgage or some other solutions we will cover a little later in the show.
What do you want to accomplish with YOUR mortgage? I can help you find the right mortgage and make the process EASY for you. Connect with me Jo Garner at www.JoGarner.com
Mark McLaurine of Refrigeration Unlimited, let’s talk about our heating and air conditioning systems Mark described a way you can get approved in 15 minutes for a home improvement loan and get your repair completed immediately. Jo Garner can work with you on a Home Equity Line of Credit or Refinance to switch out the contractor loan for a mortgage with more comfortable terms. (Mark McLaurine starts talking about the lens)
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 Mark McLaurine of Refrigeration Unlimited Heating & Air Company. Also, Ed Hill of Masters Roofing will be joining us when we come back from break. 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
(Jo) A man enters the local hardware store. He asks the clerk, “How much are those?” The clerk says, “5 bucks a piece.” The man says, “Great, I’ll take 99 for me and 100 for the neighbor.” The clerk says, “That’ll be $25.” What did he buy?
(Mark) ANSWER: House numbers to attach to the houses .
Today on Real Estate Mortgage Shoppe we are talking about Cool Comfort & Smart Financing: How to Get Repairs Financed and Finished Fast
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
Mark McLaurine, Refrigeration Unlimited (901) 216-7782
www.myhvacman.com
TALKSHOPPE TIP
ED HILL OF MASTERS ROOFING 901 273-6594
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
Ed Hill is a generous supporter of our real estate and business community through his contributions to Talk Shoppe. Some of our listeners know you, Ed Hill, because you are a regular on Real Estate Mortgage Shoppe. You have won so many awards and I have hear plenty of great testimonials from your fan club of clients. Ed Hill of Masters Roofing, what is your tip today?
Ed Hill gives his tip: (about 1 minute)
#1 tip What to do if home insurance sends you a policy cancelation letter due to roof or exterior
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TOPICS COVERED BY MARK MCLAURINE, REFRIGERATION UNLIMITED
replace vs repair:
replace if the repair cost is greater than 40% of the value of the new equipment
replace if the equipment is past its warranty period
replace if the gas furnace (residential) has a major repair like failed heat exchanger
replace if the failed compressor is rated at 13 SEER or less meaning its over 10 yrs and out of warranty
replace if the outdoor condenser has a condenser coil leak that is inaccessible or unable to pinpoint the leak or has multiple breaches determined or equipment is out of warranty period or part is obsolete
replace 10 SEER AC equipment no matter the cost-its 20 years old!
replace the furnace if its been waterlogged from AC systems icing up and condensate drains that overflowed and corroded the cabinet and electrical connections
replace the furnace or fan coil if the ECM motor is a two-part design that requires the motor and power head that can cost in the $1500-$1800 range and there are no good OEM replacements that may not match the pin arrangements for variable speed operations
Replace a gas pack that has a failed heat exchanger and or evaporator coil thats beyond the warranty period
repair when parts are readily available for gas furnaces such as electrical relays, motherboards, ignitors-basic hot surface editions, pressure switches, flame sense rods, basic condensers that may need contactors, capacitors, basic capacitor fan motors and the availability of variable speed fan motors on hi efficiency condensers that are in good condition and no noted compressor starting issues. Fan coils that may need new heating elements, contactors and basic fan motors and at least 13 SEER efficiency AC coils
repair meaning replace a failed compressor in a condenser or gas package unit when that part is in warranty.
FINANCING OPTIONS
at Refrigeration Unlimited LLC we have partnered with a national finance company that has 4 different products to choose from at competitive short time decision approval rates that are only a soft pull on the application. They offer 30-minute approvals on average so we can offer next day service on HVAC replacements to the community. I also have partners like Supreme Mortgage that can take programs like this and convert the loan into permanent financing that offer greater flexibility and most likely better rates. It’s much like on draft day in pro sports, the GM drafts a player the organization never plans to keep but uses that player as a key individual in a blockbuster trade deal to get the player that they initially desired because they were blocked by draft order limitations or to enhance a deal to be made for a better player that fits their immediate needs. At Refrigeration Unlimited LLC we have figured out how “not to say no” here. We also can offer to finance repairs that exceed the $1000.00 threshold which gives us the ability to help more individual that are short on finances. This offers peace of mind to the consumer along with us giving them the advice they need to make a competent decision about their HVAC needs and concerns.
THE SKINNY ON WARRANTIES IN HVAC
Most manufactures in the HVAC industry offer 10-year warranties on new 410-a equipment such as service coils that are replacing equipment that failed inside the original warrant period such as evaporator coils. We do them all the time and keep these pieces equipment in stock. We also have new in the box condensers that qualify for this warranty that are 410-a and are a minimum of 14 SEER with a few that are in the 16 and 17 SEER range. The minimum now is 14.3 and 15 SEER2 for our area. There are currently no limitations on gas furnaces being either of 80% efficiency or 90 plus models. We offer 5 year no cost labor with registered equipment and with yearly maintenance agreements this will go to 10 years no cost.
HVAC OPTIONS
Traditional split systems (furnace coil condensers) Gas and electric package units Heat Pump condensers with indoor electric heat backup fan coils Heat pump condensers with gas furnaces and evaporator coils (dual fuel) Hi wall fan coils with multistage mini splits for areas with no ductwork Hydronic systems that involve boilers or a chilled water system Geothermal with solar power (the ultimate in no cost energy!)
ACCESSORIES
Safety float switches for condensate drain and auxiliary pans (let us foolproof your HVAC from water disasters)
Surge protection devices for HVAC equipment
Air quality products such as UV lights and ionizing equipment to eliminate viruses and bacteria in the airstream
Filtration systems from the highest quality sponge materials to 4″ pleated filter designs
Dehumidifiers for crawlspaces and HVAC systems where humidity is a problem
Zone control systems for systems that split up the ductwork with multiple controllers for better temperature controls
Wi-Fi control thermostats to keep you connected while away
IN CONCLUSION
Turn to the experts at Refrigeration Unlimited LLC. BBB A plus rating 18+ years of experience with New Construction HVAC, residential and commercial HVAC repairs and replacement a Licensed mechanical and gas contractor serving 75 miles of Memphis in Tennessee and Mississippi thru our sister operation Top Quality Heat and Air LLC
3RD SEGMENT 12 minutes
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( Small Victories song by Allen McCool playing in background)
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For Did You Know today…(see if you can guess the answer before we do)
Ed Hill to ask the questions and give the hints
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Question: What is the name of the cultural attraction in Memphis, TN that is being, both relocated and renovated and set to reopen December 2026?
Hint# 1: This attraction will be 122,000 square foot location between Front St and Union Avenue, connecting to a river view.
Hint #2: This place will feature 29 galleries, a large community courtyard, a 50,000-square-foot rooftop sculpture garden, and a “River Window” offering Mississippi River views.
Mark McLaurine to give the answer
ANSWER: Memphis Art Museum (Formerly Brooks Museum)
Today on Real Estate Mortgage Shoppe we are talking about “How The New & Improved Reverse Mortgage Can Change Your Retirement”
Today on Real Estate Mortgage Shoppe we are talking about Cool Comfort & Smart Financing: How to Get Repairs Financed and Finished Fast
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
Mark McLaurine, Refrigeration Unlimited (901) 216-7782
www.myhvacman.com
Ed Hill of Masters Roofing (901) 273-6594
TOPICS COVERED BY JO GARNER, LICENSED MORTGAGE OFFICER
The Winfields—get the home that is just right with a renovation and repair mortgage
Mr. and Ms. Winfield own their own business. They found a home that with a huge shop and a location that would, over time really pay for itself. Their heart was set on getting this home.
The problem was that the house needed about $60,000 worth of repairs. The lender was going to require almost all of these repairs be done BEFORE closing because these repair items affected the safety and habitability of the house. The seller would not allow them to do any work on the house until after they owned it. The Winfield’s were in a Catch 22. They could not close on the house until the repairs were done, but they could not do the repairs until they owned the house.
The solution for them was better than they originally thought. The renovation and repair loan would allow them to the sales price of about $200,000 and add the cost of the $60,000 plus some reserves for overruns making the total around $270K to 275K. The program required a licensed general contractor to do the work.
The Winfields would only have to pay a little over 3% of this total as a down payment plus closing costs and some extra costs for the inspections on the work and title updates and a licensed repair coordinator. If the seller would have been willing to pay their closing costs, the Winfields could have gotten in with just a little bit over 3% percent down –just under $10K.
Since the seller was not willing to pay any closing cost in this case, all total the Winfields figured they would have $24,000 of their own money in the deal, but the house would be worth around $340,000 when the renovations were done. Was paying the extra costs for the renovation and repair loan worth the money and extra effort? They were walking into instant equity of the upper $50 thousands to low $60 thousand with a relatively low, fixed rate 30-year mortgage. The deal was definitely worth it to them since they would end up with so much equity.
The financing available for the purchase of a primary residence like this bargain-priced fixer-upper home are the FHA 203K renovation and repair loan and a conventional product also with similar guidelines. Both programs allow a very small down payment. This program may not be worth the extra financing costs if the Winfields just barely broke even with the loan amount and value. It’s a bargain deal if you can realize enough equity or profit from buying a house this way.
Other Ways to Finance Repairs
Cash out Refinance Example
Another story about a client who knew he needed to restructure his financing from Darik Dennison, a hard-working professional who was spending way too much time at work and not at home with his wife and younger children. The Dennison’s wanted to make some improvements to their home that would bring them together as a family more often.
They wanted to open up the kitchen area to allow them all to be in the same room while eating and doing other activities. They wanted to put in a nice gunite pool with a deck and extend the patio by building a covered area for grilling outside. With the pool and the deck and extended patio, the Dennison’s could grill out or sit and read the paper while the kids swam in the pool with their friends. It was a brilliant plan to squeeze in more family time and make every moment count.
Their challenge was that they would have to get a variable rate Home Equity Line of Credit for over $75,000. This would mean their payment on the equity line of credit could go up of the rates went up or when the credit line converted to a full repayment phase. This could be a budget buster for the Dennison’s.
The Dennison’s explored a number of ways to try to get the money to complete the renovations to their home. Some of the investments he had considered using for the improvements was invested and making a good return. But using a variable rate Home Equity Line was not working with a fixed budget.
Mr. and Ms. Dennison decided to keep all the financing on a stable, fixed rate loan by refinancing their existing first mortgage and getting cash out to pay for the home renovations and repairs. The entire financing package would be on a fixed rate loan with no prepayment penalty. The Dennisons would be able to pay extra on their new first mortgage and get the mortgage paid off early. They had their renovations, giving them quality family time and a payment that would not break their budget.
Investors using temporary hard money and then refinancing that loan with me when the renovations are done
Hard money loan covers purchase and renovation of the investment property to our permanent loan with better terms.
Equity Now line of credit
(We can use this Home Equity Line of Credit to pay off the quick financing that Mark’s company uses. Our HELOC can pay off the higher interest on Mark’s finance company so the customer can leave their first mortgage in place and enjoy a better terms on our HELOC)
Reverse Mortgages
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 & INSPIRATIONS
Smart Real Estate Strategy to Build an Empire
Upon moving to the U.S., this young man funneled every penny from his athletic winnings and money from his bricklaying business into income-producing multifamily real estate.
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Smart Financing: He scraped together enough for a down payment on a modest six-unit apartment building. By living in one unit and renting out the others, he used the rental income to pay down the mortgage and cover his own expenses, effectively living for free while his equity grew.
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Scaling Up: As the building appreciated and he paid down debt, he used the equity to trade up for larger properties—a process he repeated until Arnold Schwarzenegger, the famous body builder, actor and politician controlled a $300 million empire that includes retail space, office buildings, and hundreds of apartment units.
What do you want to achieve in your life or your business? If you want to buy a home to call home, there are lots of smart mortgage programs that can be tailored to give you a favorable edge. Even if you start small, the sky is the limit when you work hard toward your vision and use smart financing to get you where you want to be quicker.
Today on Real Estate Mortgage Shoppe we are talking about Cool Comfort & Smart Financing: How to Get Repairs Financed and Finished Fast
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
Mark McLaurine, Refrigeration Unlimited (901) 216-7782
www.myhvacman.com
Ed Hill of Masters Roofing (901) 273-6594
REAL ESTATE TIP OF THE WEEK
Ed Hill of Masters Roofing offers his tip from his industry (about 1 minute)
To prevent storm leaks pay to have your roof pipes and vents resealed every 8 to 10 years (Ed Hill can help)
Mark McLaurine of Refrigeration Unlimited offers his tip.
Tip: Statistics show that 75% of people who call with a conked out air conditioner in July are the people who never called in the spring to have their unit serviced and cleaned. Set up regular maintenance service in the spring to avoid expensive repairs in the summer.
Jo Garner’s tip :
Tip: If you are self-employed and you have been turned down by your bank or another mortgage company because they say you don’t show enough income on your tax return, let me take a second look. I look in the back pages of the tax returns to find additional income. We also have mortgages that allow us to calculate you income from your bank statements instead of the tax return.
Do you want to buy a house or refinance your mortgage but you seem to be hitting a barrier that is keeping you from moving forward? There are more creative solutions than you can count. You just need a real person to hear your story and take the time to help you set up your strategy.
Call or text me today at 901 482-0354 or go to 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 1st 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 May 13th , 2026 9AM CT Jana Cardona, Leadership and Team Coach will be presenting “From Reaction to Curiosity: the Leadership Shift That Changes Everything.”
Thank you to Redeemers Group Foundation and Crawl Space Repair for YOUR sponsorship of Talk Shoppe. If you have persistent cracks in your brick, foundation, dry wall or you see other telltale signs something may need fixing, contact Redeemers Group at www.RedeemersGroup.com
Thank you to all of the home improvement companies, mortgage professionals and other real estate professionals who serve your clients with excellence. You make the world a better place to live.
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 Quotesgram “You don’t have to be better than everybody else. You just have to be better than YOU have ever been.”
REJOINDERS:
- Stephanie Jones Bourland of Evernest Property Management 901 660-2812
- Tim Flesner of MidSouth Home Helpers 901 414-9696
- Rob Draughon and Shelley Rothman of Griffin, Clift, Everton and Maschmeyer Law Firm 901 752-1133
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 MARK MCLAURINE, REFRIGERATION UNLIMITED
ABOUT MARK MCLAURINE, REFRIGERATION UNLIMITED
www.MyHVACMan.com
901-216-7782
Do you need help with your heating, cooling or refrigeration problems?
Mark McLaurine is a certified, licensed and insured universally approved technician in Memphis who can quickly diagnose and repair appliances in a cost-effective manner. We also offer other services that are often related such as:
• Plumbing issues and repairs
• Electrical circuitry and repairs
• Ventilation issues and repairs
• Indoor air quality services and related products
• Sewer and drain services
• Mechanical and gas piping services
• Filter contracts
• Appliance repair and installations
No repair is too small!
Prompt and friendly service in a timely manner is the key to our success. Our reputation depends on you as our valued customer. We have also found by giving customers options, (repairs vs. replacements) it benefits all involved. We possess a good inventory of refurbished air conditioning and heating equipment for sale as well as installations in the greater Memphis area.
Our two signature programs are as follows:
• Cash trade-in for working, non-obsolete equipment
• Referral Rewards Points for satisfied customers that recommend us to others or allow themselves as a reference on a related service at our website.
At Refrigeration Unlimited, we believe we are taking service and the satisfaction desired to a whole new level. Call us for any appliance repair.
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”