Count the Ways Your Home and Mortgage Serve You Better

Count the Ways Your Home and Mortgage Serve You Better

Thinking about buying a home or refinancing your home to get your finances in a better place? Instead of waiting until one day when the rates go down, let’s look at how you can make you’re your move right now and have both your home and your mortgage serve you better.

Host: #JoGarner #MortgageLender (901) 482-0354

Co-Host: #EdHill #memphisroofer Masters Roofing 901 273-6594

Featuring: #PatGoldstein #midsouthRealtor Crye-Leike Realtors 901 606-2000

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

#homebuyer #homeseller #mortgagerefinance #roofingsolutions

1^ST 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 October 3rd, 2026 is: Count the Ways Your Home and Mortgage Can Serve You Better. 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 and assisting your clients with storm damage repairs. 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) ““Elizabeth Barrett Browning famously wrote, ‘How do I love thee? Let me count the ways.’Ed Hill, our roofer cohost is going to count the ways he can serve you. And I’m\ going to Count the ways your real estate and mortgage can serve you—from getting you into the home, to protecting your cash, to putting your equity to work. This line

“How do I love thee? Let me count the ways” from Ms. Browning’s Sonnet 43 from

Sonnets from the Portuguese remind me of long ago days sitting in English/Lit classes.

Remember those? Here’s your first pop quiz- for today–“Elizabeth Barrett Browning asked, ‘How do I love thee? Let me count the ways.’

Today we’re asking a slightly less romantic question: How can your home and your

Mortgage serve you? Let us count the ways.” There are many correct answers depending on your personal situation. But, here are some common answers:

#1. When you buy a home, over time the value tends to go up, giving you wealth you

Never would have earned if you were renting.

Some of my mortgage customers, for example, bought a home in 2021 for an average price of $200,000. Today the price, based on average home price averages would be a value of over $275,000. This homebuyer would have added to their networth about

$75,000, just for owning the home. Compare that net worth gain

Of $75,000 vs zero dollars if this customer had chosen NOT to buy the house and just rent.

#2 When you get a 30-year fixed rate mortgage, the principle and interest payment never changes, protecting your discretionary income from annual rising rent monthly rent costs.

Example of the borrower in the story we just talked about, was paying rent of about

$1,200 per month in 2021 before deciding to buy a home. But based on average rent increases in the Midsouth, by now 2026, this person would be paying rent of about

$1,350 per month. When he bought his home, he got a fixed rate principle and interest payment on a 30-yr mortgage of about $870/month, plus taxes and insurance plus temporary private mortgage insurance.

If he had chosen to rent vs buy a home, he would already be paying $150 dollars More per month with no end to rent increases in the future. The 30-year fixed rate mortgage creates a hedge against inflation because it holds the principal and interest portion of the mortgage payment the same for the whole life of the mortgage.

#3 When your home’s value is a lot higher than the amount you owe on a mortgage, you enjoy equity in your home, You can borrower against this equity to pay off high interest rate debt, help pay for your child to get through college or help pay for the care of loved ones.You can borrow against your equity to start a business or buy additional rental homes to build Both wealth and a higher income.

Stay tuned. Later in the show you will hear some stories of people like you or others you used the right mortgage product to make the home purchase or refinance more affordable with bragging rights for themselves.

Are you wanting to buy a home or maybe buy some income-producing real estate? Do you want to restructure your finances with a refinance? I can help you get the right mortgage and make the process easy. Connect with me today at www.JoGarner.com

(Jo) Ed Hill of Masters Roofing, we have a few minutes before we get to our ad break. What are some ways you serve your clients when you repair or replace their roof? . (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 Pat Goldstein, a realtor with Crye-Leike Realtors joining us when we come back. 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 ) Riddle:
Riddle: Can you fill in the missing word to this limerick before we do?

There once was a couple named Kate,

Who dreamed of a home they thought great.
They planned and prepared,
Found a loan they could bear,
Then smiled as they walked through the _____!

(Ed) Answer: GATE

(ED ) Riddle: You get a second go at guessing the missing work in this limerick before we guess it.

Our shingles were battered and worn,
From weather they’d bravely borne.
A new roof went on,
And the leaks were all gone,
Now we’re ready to weather each _____!

(Jo) Answer: STORM

(Jo) Today on Real Estate Mortgage Shoppe, we are talking about Count the Ways

Your Home and Mortgage Serve You Better

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

2^ND SEGMENT 8MINUTES 50 SECONDS

TALKSHOPPE TIP

Pat Goldstein, Realtor with Crye-Leike Realtors https://patgoldstein.crye-leike.com/

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 Tip today we have Talk Shoppe Pat Goldstein, Realtor of Crye-Leike Realtors in TN and MS, your customers call you the “Gold Standard in Real Estate.”, what is our Talk Shoppe tip today?

Pat’s tip: average rate today is the average rate over 50 years She had a client that had decided to wait for rates to go back down to the 3’s. But instead of going down, the rates started going up. Her client reconsider and bought a house before home prices went higher. They figured out what mortgage terms would work for them and they made the leap to buy a home instead of renting. Ask yourself Is buying a home that I like better than staying where I am renting? .

TOPICS COVERED BY ED HILL OF MASTERS ROOFING

Let Me Count The Ways That I Serve You!

This article is loosely based on, “How Do I Love Thee,” Sonnet 43 with apologies to poet, Elizabeth Barrett Browning who included it in Sonnets From The Portuguese in 1850.

Who says contractors don’t know 19^th century English literature? This is a mic drop moment in roofing history!

Let’s borrow the phrase, “Let me count the ways.” Here are ways that Ed Hill, Senior Consultant with Masters Roofing Memphis can serve homeowners in the Midsouth.

The obvious way that Ed Hill can help homeowners is with helpful advice and experienced counsel concerning home and business roofing. He can help you with questions about roof leaks, wear and tear on roofs, repairing roofs and replacing roofs. There are other ways that are not as well known.
Another way he is of service is in designing short-term or long-term plans of action to protect or rescue the exterior of homes and businesses. Does your home’s front door entry way have ugly, disgusting wood rot that greets not only your family but friends who visit your home? Ed has a plan to get rid of that! Ed can even serve you in protecting or improving the exterior of your place of business, or learning facility or place of worship.
It might be surprising to some that Ed Hill is actually pretty handy when it comes to material and color selection. If you are stuck in picking the right color scheme for your roof, siding, flashing and gutters then just give Mr. Hill the opportunity to assist you with selections that will achieve the look and feel that you are aiming at.
An unusual way that Ed serves homeowners, business owners and property managers alike, is with concerns about exterior water drainage and roof ventilation. If your attic is way too hot or your gutters are working more like a sieve than a drain, then reach out to him to discuss ways to solve these and similar problems.

Hopefully, this brief article will give you direction about the challenges and opportunities presented by your home or business!

Ed Hill, Senior Consultant, with Masters Roofing Memphis is also host of the helpful podcast, MemphisHomeMaintenanceShow.Podbean.Com and a regularly scheduled radio co-host with Jo Garner on Real Estate Mortgage Shoppe, heard Saturdays at 11:05 a.m. Central Time on The Mighty 990 KWAM Memphis 990 AM/107.2 FM. Contact Ed directly at 901-273-6594 to seek his construction counsel or to schedule a free helpful consultation.

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)

(Jo) to ask the trivia question) What is the name of this Memphis restaurant?

(Ed) Hint #1 There is more than one of these restaurants in the Memphis area that offers a unique customer experience. Thomas Boggs, the founder wanted people to feel at home while eating their meal and he wanted to offer some fun at the same time.

(Ed) Hint #2: This well-known restaurant serves good food and has a tradition of allowing guests to use their straws to blow the frilly toothpicks up to the ceiling where thousands of toothpicks can be seen stuck to the ceiling material

What is the name of this well-known restaurant?

Pat gives the answer : Hueys

(Jo) Today on Real Estate Mortgage Shoppe, we are talking about Count the Ways

Your Home and Mortgage Serve You Better

Ed Hill of Masters Roofing in Bartlett, TN 901 273-6594

Pat Goldstein, Realtor with Crye-Leike 901 606-2000

TOPICS COVERED BY JO GARNER, LICENSED MORTGAGE OFFICER

MORE CREATIVE WAYS PEOPLE FOUND THEIR HOMES & MORTGAGES SERVE THEM

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

COMMON TREND FOR MAKING THE HOME MORE AFFORDABLE

Stencey Steverson needs house payment to be much lower but can’t live without the higher priced home.

Stencey Steverson didn’t grow up rich, but she learned if she worked hard enough she could get things she really wanted in life. If she asked enough questions and thought about what she wanted long enough, she could come up with creative solutions to get things she wanted without having to work hard and spend a lot of money.

Stencey was in her thirties and was doing well on her job, getting occasional pay increases. She had put off buying a house because she wanted to wait for mortgage rates to go down. The opposite was happening. Mortgage rates were steadily marching up and so were the home prices. If she did not buy a home now, she felt like she would never be able to afford to buy one later.

She did some shopping for homes on her own and found a house that she could not live without. It had everything she wanted in the kitchen and was designed to work with the way she liked to live and entertain guests. She wanted a larger storage space in her garage, but she could build a small storage building in the back yard later. Everything looked perfect until….

Stencey connected with a realtor she trusted and she contacted me for the mortgage. When I gave her the financing scenario with a small down payment and a fixed rate loan, I could hear her sigh of disappointment over the phone. “The payment is just too high for me. But I really want this house. How can you get me a much lower payment and still get me into this house with the least amount of down payment? Can you give me a miracle?”

Stencey was asking questions to find her solution.

Stencey’s solution came with the government-backed FHA 5-1 adjustable rate loan program. At first Stencey pushed back. “I don’t want an adjustable rate that will keep going up on me like my rent.”

But this special FHA program, which has been a popular program for homebuyers this year, had a mortgage rate starting well below the fixed rate mortgage rate. This made her payment lower enough to meet her budget limits. I explained to her that the low mortgage rate on this program was fixed for the first five years and had some very tight safety nets around how high or low the interest rate could move each year after it became adjustable. The rate could not go up or down more than one interest rate point per year after the first five years of being fixed. It had a lifetime cap on the rate too.

This was the loan for Stencey Steverson. She could not wait to move into her new home and make it hers. She even had enough in her budget to decorate the house just the way she liked it. It was a celebration for sure on her closing day.

Sid Stenner Takes Clever Steps to Safeguard His Income and Savings With the Right Mortgage Loan

Let’s take a look at some brilliant strategy put in action by Mr. Stenner (not his real name.) Think about what has been happening with spiking interest rates on credit cards and home equity lines. Do you have balances owed on these type loans? Better take a look at the interest rate you are paying on them today.

Some of my clients were paying around 8% on their credit card debt a few months ago and are now paying 18% or in the 20’s on compounding debt. SCARY! The last few years have sneaked up on people like the boogie man behind the bushes. Let’s look at how Sid Stenner used some strategy to protect himself and proceed with his plans to retire.

Sid Stenner has been living alone for the last several years and doing just fine on his fixed retirement income and the money he makes in his small home-based business. A few years ago Sid needed money for his business and he took out a bank loan secured on his home.

This loan was quick and easy when he got it, but now the fixed rate term is ready to switch to a variable interest rate. He used some variable interest rate credit cards and still had unpaid balances lingering. But in a rising-rate, inflationary market with the Federal Reserve raising their rates, it seemed like a good time to somehow convert the sky-high variable rate debt and credit card debt to a safer, lower, fixed rate. But how?

We looked at several options. Mr. Stenner decided to refinance his home and replace his risky variable rate mortgage with a low, fixed rate mortgage. He decided to roll into this refinance loan the variable credit card balances too. When inflation and higher Federal Reserve rates come knocking, Mr. Stenner’s rate will stay fixed and the variable rate from credit cards will be gone too. Those cards were paid off with the loan from the refinance.

Mr. Stenner said, “I’m going to work another five years, if the good Lord lets me. While I have both my retirement income and my business income, I’m going to pay extra each month to get my mortgage paid down as low as possible. Then when I retire, I might refinance to a lower payment or get a reverse mortgage.” Mr. Stenner was thinking ahead and preparing a good life for himself now and later.

What do YOU want to accomplish with your mortgage? Let’s explore the possibilities. Connect with me at www.JoGarner.com

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 Jo shares this story

Creating an unbelievable WOW experience

Imagine running a company where an employee stays on the phone with one customer for 10 hours and 43 minutes.

At most companies, that might get you in trouble. At this company, it was celebrated.

The employee started by helping the customer shop. But the conversation grew into stories about vacations, hometowns and life.

That wasn’t an accident. The company’s leader believed customer service wasn’t something to rush. Employees weren’t given scripts or call-time limits. If the company didn’t have the product someone wanted, representatives would even search competitors’ websites to help them find them.

His lesson was simple: Sometimes the best way to grow your business isn’t to make another sale—it’s to make a human connection.

That company was Zappos, and its visionary CEO was Tony Hsieh.(shay)

Are you wanting to buy a home or perhaps refinance to get rid of the higher interest rates on your credit card debts? You may be thinking that you don’t really know the best way to get started. Those of us in the studio are ready to assist you and give you the best in customer service too.

I can help you with getting the right mortgage and making the process easy. What are you wanting to accomplish on your home purchase? What kind of terms do you need?

Do you want to reduce the amount you have to pay out each month in overall debt? I can help. You with the right mortgage program. Connect with me today at www.JoGarner.com

(Jo) Today on Real Estate Mortgage Shoppe, we are talking about Count the Ways

Your Home and Mortgage Serve You Better

Ed Hill of Masters Roofing in Bartlett, TN 901 273-6594

Pat Goldstein, Realtor with Crye-Leike 901 606-2000

REAL ESTATE TIP OF THE WEEK

Pat Goldstein’s tip:

If you need to buy or sell a house out of the geographic area, Pat knows realtors all over the USA and parts of the world who are acc

Ed Hill of Masters Roofing tip: It is important to know how a roof color will look with your brick home. Masters Roofing gives you local addresses to drive by that have your color brick or house siding with the roof selection so you can see certain roof selections really look.

Jo Garner’s tip :

For other ways your home can serve you with wealth and happiness is the tax advantage. Check with your tax professional but many of my clients have saved themselves from a huge capital gains tax bill when they have lived in the house they are selling for two years or more within the last five years.

Also, owning real estate investment properties can bring you lots of wealth when they increase in value and produce a positive cash flow to you every month.

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. (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.)

This Wednesday October 7th 2026 “The Job Market is Changing. Have You?” presented by Melody Freeman, Director of Greater Memphis Work Force Development.

Thank you to Talk Shoppe’s newest sponsor, Robert Anthony of Visidex. When you need to design a website that brings business to you or create a program to reduce your business expenses, contact Robert Anthony at robert@visidex.com

Thank you also to Talk Shoppe sponsors, Tim Flesner and Genell Holloway of Home Helpers (non-medical assistance with daily living routines for loved ones needing help to age in place) (901) 414-9696.

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 ACKNOWLEDGMENTS AND CREDITS
“Rule 1: The customer is always right. Rule 2: If the customer is ever wrong, re-read Rule 1.” — Stew Leonard
“Although your customers won’t love you if you give bad service, your competitors will.” — Kate Zabriskie
REJOINDERS:

Mark McLaurine of Refrigeration Unlimited 901 216-7782
Lynn McDonald and Troy McDonald of Erin McDonald Insurance Agency 901 849-7101
Jennifer Hart of City of Memphis DPA

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

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.

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”

Count the Ways Your Home and Mortgage Serve You Better

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