FIXING THE FLAWS IN YOUR HOME’S FOUNDATION AND YOUR FINANCING

In today’s show we will be pulling out the tool bag and taking a look at cracks and other abnormalities around your house to determine if it they are minor or needing some serious mending. I will be taking calls and sharing with you some fix-it tips for getting your mortgage approved.

What do YOU want to accomplish with YOUR mortgage? Subscribe to our weekly podcasts with show notes at www.JoGarner.com

Call me at (901) 482-0354 email Jo@JoGarner.com

To Your Success,
Jo Garner, Mortgage Loan Officer NMLS#757308

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Good morning, Memphis! Welcome to our listeners across the 50 states! You’re on Real Estate Mortgage Shoppe. I’m your host, Jo Garner, Mortgage Loan Officer. What do YOU want to accomplish with YOUR mortgage? You can connect with me at www.JoGarner.com. Subscribe to get our weekly podcasts and show notes by going to www.JoGarner.com or emailing me directly at Jo@JoGarner.com Our general topic is FIXING THE FLAWS IN YOUR HOME’S FOUNDATION AND YOUR FINANCING. Today is April 7th, 2018.

In the studio we have Erica Blue, Marketing Coordinator with Redeemers Group-basement, crawl space and foundation specialists. Erica has lived in Jackson, Mississippi and Houston Texas and has been in marketing for a long time but joined Redeemers Group in December 2017. Erica, take a minute and tell us a little about yourself and what Redeemers Group does for their clients. (Erica has about 1 minute to introduce herself and talk about what Redeemers Group does for their clients)
(Jo) You know, Erica, if you find someone who can fix anything, they are welcome almost anywhere. As a mortgage loan officer I have had the privilege of being on the journey to homeownership with hundreds of my clients. Buying a house can be one of the biggest investments a person will ever make in life.

It is such a thrill to be part of the solution for some of my clients who have experienced snags, setbacks and stumbling blocks in life. Many of my clients have been through a divorce, child custody battles, death of a loved one, sickness, loss of income and, you name it. There is an old saying that “when you are going through a hard time, keep going. This too will pass.” It is truly a celebration day when they get to close on their new home or refinance to achieve a goal.

Today we are talking about “Fixing Flaws.” You can probably think of numerous times in your life when something broke when you needed it to work. Do you remember that spark of joy and relief when someone suddenly showed up and fixed your problem?

Have you ever had your computer crash with ALL of your important pictures and data. That feeling of distress breaks into a sweet relief when you computer geek friend shows up and gets your data back seemingly so effortlessly.

Do you remember when your pipes broke, spewing water through your house? What a sopping mess when you came home and you had that shock and then sinking feeling that nothing can be salvaged. Then the restoration company rolls into the driveway and starts to work getting everything cleaned up and restored.

What about the time you really hurt yourself and the pain was so great. Then the physical therapist or your doctor or chiropractor, in short order, fixed your problem? We have many fond memories of our “fixers” as they finish fixing our flaws. (Thanks, David Grigsby of Mid-South Orthopaedic.)
In the mortgage business my personal team members have a system in place to help prevent our clients from making flaws in the process that can be fatal to their mortgage plans. My clients get a 12 minute YouTube link and the written version too of “Do’s and Don’ts -Tips For A Smooth Mortgage Process.”

Over the years we have learned some simple rules of thumb regarding how to verify a large deposit of cash in an account. We know some work-arounds for income-to-debt ratios that are too high. I know how to scope out more qualified income on a self-employed borrower’s tax return by starting at the back their tax return and moving back to front. I know a lot of the repair issues with homes and which ones can be problematic with the appraiser.

Erica, you work for a company that specializes in basement, crawlspace and foundation problems. What are the signs that tell the homeowner they need professional help?
(Erica starts describing the types of structural flaws that cause much larger problems with your house?)

What are some solutions to fix these flaws?
Inspect your home for cracks that grow or widen, door or windows that do not shut properly
Get a free estimate from Redeemers Group.
If the problem is structural, get it fixed right away
Invest in gutters with extended downspouts to direct water AWAY from the house.

Erica tells story about family in Arkansas that had a house built on shifting ground. Redeemers would come out over a period of time and continue correcting the foundation problems between shifts in the ground.

You’re listening to Real Estate Mortgage Shoppe,where we say, “MAKE YOUR PLAN. LET’S WORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, LET’S DO IT TODAY.” I’m your host, Jo Garner, Mortgage Loan Officer NMLS #757308. We are talking about Fix Flaws In your Home Foundation and Financing. Erica Blue of Redeemers Group and I will be back sharing with you some more ideas on how to detect serious problems with your home and I will be sharing some quick saves when your mortgage application looks like it’s going south after this break.

2nd segment after 9:15 break: Our Look Back Memphis Trivia Contest is brought to you by notable Memphis historian, Jimmy Ogle. Jimmy Ogle offers free historic walking tours downtown in the spring and fall. For information about Jimmy Ogle, go to www.JimmyOgle.com . The Look Back Memphis Trivia Contest is sponsored by John and Jennifer Lawhon of Lawhon Landscape (901) 754-7474 the Lawhon’s can help you plan your landscaping if you have a BIG, BIG project or a smaller project . The Lawhons are giving away a $25 gift card to the first person with the correct trivia answer. If you know the answer to our trivia question, call us at 901 535 WREC 901 535-9732.]
Garner # 126 * 04/07/18

Mason Temple
Question: I am named for my founder. Who am I?

Hint: I was founded in 1909.

Hint: I am the “home” of one of the largest religious denominations in the world!

Hint: My present sanctuary was built in 1941.

Final Hint: Dr. Martin Luther King, Jr. gave the last speech of his life at this sanctuary.
Answer: Mason Temple, in Memphis, Tennessee, is a Christian international sanctuary and central headquarters of the Church of God in Christ, the largest African American Pentecostal group in the world. The building was named for Bishop Charles Harrison Mason, founder of the Church of God in Christ, who is entombed in a marble crypt inside the Temple.
Built in 1941 during World War II, the Temple was constructed to replace the original “Tabernacle” or meeting place of the Annual Holy Convocation which burned down in the late 1930s. Despite shortages of steel and other supplies, the Mason Temple was the largest church building owned by a predominantly black Christian denomination in the United States at its completion. It has a present seating capacity of 3,732.

It was the location of Martin Luther King Jr.’s famous last speech: “I’ve Been to the Mountaintop”, on April 3, 1968; King was assassinated the next day. Over the past few weeks, Mason Temple has received international attention during the commemoration of the life of Dr. King on the 50th anniversary of his death (mlk50.com). www.cogic.org.

Last Week: The Hernando DeSoto Bridge (HSD) opened on August 2, 1973 and became the fourth bridge to cross the Mississippi River in Memphis. HSD is named for the Spanish explorer that first saw the Mississippi River in 1541. HSD holds the I-40 interstate highway which connects Wilmington, North Carolina to Barstow, California – over 3,000+ miles. HSD handles over 50,000 vehicles a day and it is almost three miles long.

During its construction from 1968-1973, the channel of the Mississippi River was re-aligned from entering the area from the northwest to the north. A portion of Mud Island was dredged from its west side up on to the east side, which allowed for future development above the 100-year flood plain. Now, here are over 7,000 residents living on Mud Island and there is the Mud Island River Park. On September 5, 1986 a grand party known as “Old Man River Gets Lit” was enjoyed by thousands of Memphians along the riverfront. Two hundred lights were installed to the super structure “Big M” and the Mississippi River was lit up like never before. Some of the nicknames include Bridge of Lights, Big M Bridge, the Dolly Pardon Bridge and “the new bridge”! The M of the super structure is said to be the “longest free standing letter of the alphabet in the world” (at 1,740 feet long)!!!
Jimmy Ogle gives free walking tours on the sidewalks and parks in Downtown Memphis during the year, with the next being on Tuesday, April 10 – The Great Union Avenue Manhole Cover & History Tour. Meet at 11:45am at the Cotton Museum (Front & Union) . Then the Judge D’Army Bailey Courthouse Tour at 12:00 noon on Thursday, April 19 (meet at the southwest steps, corner of Second & Adams). Go to JimmyOgle.com.

Mason Temple
Question: I am named for my founder. Who am I?

Hint: I was founded in 1909.

Hint: I am the “home” of one of the largest religious denominations in the world!

Hint: My present sanctuary was built in 1941.

Built in 1941 during World War II, the Temple was constructed to replace the original “Tabernacle” or meeting place of the Annual Holy Convocation which burned down in the late 1930s. Despite shortages of steel and other supplies, the Mason Temple was the largest church building owned by a predominantly black Christian denomination in the United States at its completion. It has a present seating capacity of 3,732.

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TOPICS COVERED BY ERICA BLUE OF REDEEMERS GROUP

1. Cracks in the walls and floors of homes.
Jo: Most people don’t know how to spot the symptoms of crawlspace issues in their home. What are some of the main things people should look for?
Erica : There’s a few symptoms that you should look for: The first would be those obvious cracks Cracks that are extremely noticeable may appear on the first or second level of your home. Pay attention to the walls over doorways or where the ceiling and wall meet. Another red flag would be bulging walls and diagonal cracks off doors and windows.

Look for any brick cracks along the mortar line on the exterior of your home. The second would be stair-step cracks that are on the exterior of your home. When foundation settlement has occurred, stair-step cracks are commonly seen in brick and concrete block. When you notice these types of symptoms, its best to have a professional come out and analyze the issues as soon as possible. The longer you wait, the more the issue would worsen.

2. How long people wait to address structural issues
Jo: You mentioned to me that people tend to wait a really long time to address structural issues. Why do you think that is?

Erica: Jo, thinking you have a structural issue with your home can be really unnerving if
not scary. Some recent research says that, when people call us, only 36% of
them have had the problem for a year or less. Another 36% have had the issue for 6-10 years, and the other 28% for more than 10 years. So, when people start noticing cracks in drywall or the brick on the exterior, they patch it for the time being and wait and see what happens.

Jo- interjects thoughts and asks how this affects the actual repair when it does happen.

Erica discusses how the longer you wait to address the problem, the more time and cost it will take to address it, and the difference in what the results could be.

4. Love Well 5k & Festival
Jo: I know this is something you do each year… I believe there is a different Memphis-based beneficiary each year, and the date is coming up soon. Tell us what is going on.
Erica: Coming up on Sat June 23rd we have our 3rd annual Love Well 5K & Festival which is a charitable event- this year it is benefitting Serenity Recovery Center here in Memphis. My understanding is that you are a sponsor this year-thank you for that. We do this for 2 reasons: 1- to raise money for an organization in Memphis that is fighting the good fight and who’s name isn’t a household one. 2- We want to shine a spotlight on addiction issues and specifically the opioid crisis that exists in our country right now. It’s huge and its impact devastating. Is this can raise awareness for even one person on how they can get help, who they can turn to, or how a parent can help their child, then we have fulfilled the purpose for this event. We’d love for you to join us on June 23rd on the beautiful greenway in East Memphis.

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Jo’s Comments

There are ways for anyone and everyone to participate: you don’t have to be a runner! There is even a designated last place finisher so you don’t have to worry about that. Walk, run, set up as a vendor if you sell something, just come be one more voice against this epidemic.
The event website is www.lovewell5k.com
The event is also on facebook so you can check it out there and share it with your friends.

3. Homeshows
Jo: So, I know that you guys go out to a lot of area shows to display and talk with people who are experiencing the kind of problems that Redeemers Group addresses.

Erica: Yes, we are always traveling to Home shows and festivals in the area so that we can meet the people that may have some of the issues that we service. We have a wonderful brand ambassador that can schedule your free estimate at the show! Today we will be at Shelby Farms Down to Earth Festival.

Jo: Awesome! So explain how the people can know where you guys will be in the future.
Erica: Well always look at our website which is redeemersgroup.com for updates.

4. How does the heavy rains with sharply varying temperatures negatively affect our home’s foundation?

5. What are some preventative measures we can take to protect our home’s foundation?

6. By fixing problems with connections to the crawl space, you can improve the utility bill AND the circulation of heat and air throughout the home.

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TOPICS COVERED BY JO GARNER, MORTGAGE EXPERT

1. The best bargains deals on buying real estate in this competitive market are properties with foundation problems and other issues that snag traditional mortgage financing.
A. For homebuyers trying to buy a primary residence that needs over $5,000 dollars –even over $100,000 in repairs—the FHA 203K Renovation Repair loan or the conventional HomeStyle Renovation and Repair loan can help the homebuyer buy the house AND finance all or almost all of the repairs in the same loan. The move-in cost is usually a little higher for the buyer than a regular mortgage, but still sometimes less than 5% to 8% down. The mortgage rate is fixed and fairly low, keeping the mortgage payments low too.

Mr. and Ms. Lancaster (not their real names) found a house in the country and close to other family. It had a perfect layout for enjoying their retirement with a bonus room for entertaining their grandchildren when they came to visit. The property was priced well below the other homes, making it very affordable to the Lancaster’s on their income. It was truly a needle in a haystack

The flaw in the arrangement was that there was rotted wood that needed to be replaced and painted. There were some fixes that needed to be made to the electrical systems. The Lancasters were in a Catch-22. The mortgage company would not allow them to close on the home until the repairs were done. But they couldn’t make the repairs until they owned the house.

The solution? An FHA 203K Renovation and Repair loan. Even with the price they paid for the home and the cost of the repairs, the home was worth quite a bit more than they had to spend. The Lancasters had quite a celebration day at closing and bragging rights when they went home to their new digs.

B. For real estate investors, buying fixer-uppers to use for rental income property, the financing is done in two steps. These investors typically have credit lines they use to initially pay cash for a distressed property. Once they buy the house and get it fixed up, they come to me for a low fixed rate “quick-cash-back-refinance.”

For example, I have several investors who work with me on one property right after another and then another. They have several credit lines set up for when they need to pay cash for a bargain property that needs lots of fixing up. They may borrower against a 401k retirement fund. (they don’t take the money out of the retirement account. They get permission from their 401k administrator to borrow against it.) Others have home equity lines of credit secured on their personal homes to use for purchasing rental properties.

These investors use the credit lines secured on other assets so they can buy the house at a good discounted price and with good ol’ cash on the barrel. Once repairs are completed like fixing the roof, repairing rotted wood, fixing plumbing electrical and other items, I am ready to give the investor a permanent fixed rate mortgage they can enjoy and live happily ever after.

The beauty of the traditional low, fixed rate 30 year Fannie or Freddie Mac mortgage is that the payment is LOW and FIXED so the principal and interest payment is low FOR 30 years. Right now the United States of America is the only country where you can get a truly fixed rate loan for 30 years.

If you want to look into some of these financing strategies, call me at (901) 482-0354 or email me at Jo@JoGarner.com or connect with me on the website www.JoGarner.com You have to talk with me personally to work with me personally. I DO want to work with you.

2. Credit Snafus- I am not a licensed credit repair person and I direct my clients to the credit bureaus for any final corrections or fixes. There are no guarantees that you will get the exact results you want 100% of the time. What I am sharing with you is based on close observation and study of the cause and effect on numerous mortgage client credit reports).

A. Make your payments on time and do not let them get over 30 days late.

B. If a creditor is contacting you about a collection account, pay it as soon as possible or set up a payment plan with the lowest possible payment per month with an agreement with the collection company not to report negative information about you to the bureaus.

C. Never use more than 30% of your credit card limits. For example, if your credit limit is $10,000, you would never want your balance to go over $3,000. Your utilization habits on revolving account activity makes up over 30% of your credit score.

D. Stay away from 12-months-same-as-cash accounts. Most of the time these type accounts are scored as maxed out revolving accounts. I have seen these accounts drop someone’s score more than 100 points.

3. Timing Issues-

A. Oops we sold our house before we have a place to live

B. Oops we need to close on the new house before we close on our old house

4. Income issues

5. Asset verification issues

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Do’s and Don’ts Tips For A Smooth Mortgage Process
IMPORTANT DO’S AND DON’TS FOR SMOOTHER LOAN PROCESSING
From: Jo Garner, Mortgage Loan Officer NMLS# 757308 (901) 482-0354

PLEASE REVIEW, INITIAL EACH SECTION & SCAN OR FAX BACK TO US AT FAX 901 531-8185 OR EMAIL TO JGARNER@GETEVOLVED.COM

1) ______(initials) It is vitally important that you do not change anything on your asset statements after Jo has reviewed your bank statements. Any decrease in your assets could make or break your loan approval or cause a delay in your closing. ANY LARGE DEPOSIT NOT PAYROLL RELATED NEEDS TO HAVE THE SOURCE DOCUMENTED. (You can get images of the deposit and copies of deposit slips from your bank.)

2) ______(initials) If you are legally married, and buying or refinancing a primary residence, even if your spouse is not on the loan nor on the title, your spouse will be required to sign a few key documents to keep your title clean under the state law. Change in marital status could cause problems on title.

3) ______ (initials) When it comes time to provide bank statements or any asset account, or tax return, it is necessary to provide ALL pages of the statement, even if it is a blank page. On asset account statements, make sure the name of the bank, your name and at least part of the account number appears on any bank documentation you submit to us.

4) _______ (initials) Please do not make any changes to your income or manner of payment from income from your business or employment. When it is time to send tax returns, please send ALL pages including any K-1s if applicable. Even if your income is increasing, under current loan guidelines some methods of income payment are not allowed to be counted as qualifying income so it is important to let your loan officer know of upcoming changes right away to make sure the type payment of income is acceptable for loan qualification purposes. If you own 25% or more of a business, please send all pages of the business tax returns for the past 2 years also. (In some cases underwriting may require a year-to-date Profit and Loss for self-employed borrowers.)

5) ________(initials) If you file your tax returns right before or during the loan process, this can delay your loan process by a month or more due to the time it takes the IRS to fully process and log your numbers into the government required IRS third-party transcript for that tax return that must be included in your loan file. You may consider filing an extension on filing your IRS return in order to avoid this delay. (Underwriting may ask for a year-to-date Profit and Loss for self employed borrowers.)

6) _______ (initials) Do not open any new credit accounts (and especially not a 12-months-same-as-cash account.) Do not add balances to any existing credit accounts. Do not apply for any new credit during the loan process. Do not make any changes on your credit status.

7) _______ (initials) Please check your tax returns and make sure you are not showing any unreimbursed employee expenses. Most employee expenses are deducted from your regular income. (some exceptions). Also, if you have any undisclosed business losses, please notify your loan officer.

8) ________(initials) Make sure that you keep your accounts paid current during the loan process. Even though you are planning to pay off an account at closing, please do not allow this account or any others, including any mortgages, to go 30 days late even if the closing the delayed. (This could cause your credit scores to drop right before closing and jeopardize your loan approval.)

9) _______ (initials) Use funds for closing DIRECTLY from the account where we have verified your funds. If funds come from a different account, it can delay or jeopardize your closing . Also do not move money from the account where funds were verified to another account to access for closing. Funds must come DIRECTLY from the account where funds were verified and not moved to a different account for any reason. Earnest money must come from the account that you will be fully documenting.

10) ________(initials) REMEMBER, AT CLOSING THE FUNDS WILL NEED TO BE IN THE FORM OF A CASHIER’S CHECK AND/OR WIRE PAYABLE TO THE CLOSING AGENT. You will need 2 forms of ID at closing including drivers license. All borrowers and interested parties will need this documentation at closing.

11) _______ (initials) If you are on any of the accounts we are verifying with another person, you will need to get a short letter, dated and signed by the other person identifying the account and stating that you have full access to the funds.

12) _______ (initials) If there will be a full appraisal on the property you are financing, please inspect the subject property for repairs that may be required prior to closing by the appraiser. Some common required repairs are leaky roof, rotted wood, peeling paint, torn flooring, broken tile, non-functional plumbing, electrical or HVAC systems, drainage problems, holes in sheetrock, broken windows, foundational problems, termite damage, hazardous waste on property, etc.
If the property is in a flood zone, flood insurance will be required. Appraisal values are determined by the assigned appraiser. Comparable property sales over the last 6 months to a year on houses like the subject property in the subject property neighborhood are used to determine the official value used by the mortgage company. Government guidelines require the mortgage company to order an appraisal and have the appraiser to be assigned to the property by a third-party, government approved order agency separate from the mortgage company.
The mortgage company must order the appraisal from the approved agency. Appraisals from other mortgage companies and appraisals ordered by anyone else, are not qualified to be used under current loan regulations.
Appraisal fees are not refundable.

13) ________(initials) If you are refinancing your home, please make sure the home has not been listed for sale on the market within the last 6 months. REMEMBER THAT ON A PRIMARY RESIDENCE, THERE IS A 3 DAY RIGHT OF RECISSION BEFORE MONEY IS DISBURSED.

14) _______(initials)Due to the new TRID government lending guidelines, there are mandatory delays set up throughout the process, giving you a chance to review the terms as the process moves forward. If you change anything that triggers a change in the final terms after final disclosures have been sent, this could delay your closing to wait on new documents to be received by you and the mandated delay period completed.

15) ________(initials) Due to a rising number of incidences of hackers/scammers attempting to redirect wired closing funds, please do NOT have any funds wired before verifying the wiring information with your loan officer and the attorney’s office. There may be additional steps to take to ensure your money is wired to the correct account.

Borrower signature / Date Co/Borrower signature / Date
I,_____________________________________, give permission to my loan officer team to update my realtor(s)/agent(s) with general status on my loan progress.

Borrower signature/Date Co/Borrower signature/Date

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REAL ESTATE TIP OF THE WEEK

(Erica Blue shares a money-saving or time-saving tip from her business):

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ANNOUNCEMENTS:

Talk Shoppe offers free networking & education to anyone interested in real estate or in business. Talk Shoppe meets every Wednesday 9A-10A CT Pinot’s Palette 8225 Dexter Rd Cordova, TN. This Wednesday April 11, 2018 Talk Shoppe presents: “Newest Changes and How To Monetize Your Internet Marketing” by Taylor Eason of www.CreatedFlawless.

Talk Shoppe events are free thanks to sponsors/advertisers/supporters like Taylor Eason, videographer and social media promoter www.CreatedFlawless.com

Talk Shoppe thanks our business coach, Eric Eurich of Focal Point Business Coaching. Now there’s a guy who can prevent suffering from business flaws. http://www.ericeurich.focalpointcoaching.com

2. Thank you to Certified Public Accountant Rick McElain and Certified Public Accountant Jim Goss for your help and advice to help me and others prevent flaws in structuring our tax deductions under the new tax bill effective 2018.

3. When you are going through a rough time, KEEP GOING. This too shall pass. Put people around you who speak positively and ARE positive about the situation’s outcome. In real estate put reputable, experienced realtors and loan officers and other real estate professionals around you to help avoid making costly mistakes.

4. TO GET THE REAL ESTATE MORTGAGE SHOPPE WEEKLY BLOGPOSTS WITH PODCASTS IN YOUR INBOX, SUBSCRIBE AT WWW.JOGARNER.COM
5. Real Estate Mortgage Shoppe reminds you that MAKE YOUR PLAN. LET’S WORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, DO IT TODAY.

QUOTE CORNER:

Anonymous: “When asked how they managed to stay married for 65 years, the woman replied, ‘We were born in a time when, if something was broken, you fixed it.’”
Anonymous: “Price quote from home contractor- $60 per hour; $120 per hour if you watch; $140 per hour if you help; $160 per hour if you worked on it first.”
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REJOINDERS:

1. Bob Turner, Hair Stylist with Goulds Salon and Day Spa 3670 S. Houston Levee Rd Ste 107 (901) 854-8689
2. Billy Nickol, Promotional Consultant with Geiger Company (To promote your brand, if Billy doesn’t have it, you don’t need it)
3. Mary Jane Lessley, Signs Now (point your customers to your business or events)
Transitional Music:
Al Green “How Can You Mend A Broken Heart;” “Fixing a Hole” by The Beatles; “The Talkin’ Song Repair Blues” by Alan Jackson; “Memphis” by Johnny Rivers for the Look Back Memphis Trivia Contest
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ABOUT ERICA BLUE, REDEEMERS GROUP

Erica joined the Redeemers Group team in December 2017 and we are excited to have her on the team. She is a native of Jackson, MS but lived in Houston, TX for five years. She brings years of marketing and project management experience to the team. Erica has done marketing and public relations work with several organizations including non-profits, small businesses, and Fortune 500 companies.

Erica is in charge of our tradeshow and brand ambassador program, contributes content and social media, and works on all things marketing. When she isn’t at work, Erica likes to travel, shop, listen to music on vinyl, and work on her lifestyle blog.
Some her favorite things include Beyonce, the movie School Daze, sushi, and the color turquiose.

Fun fact: Erica was the first college graduate in her immediate family.
www.RedeemersGroup.com

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ABOUT JO GARNER-MORTGAGE LOAN OFFICER:

WHAT DO YOU WANT TO ACCOMPLISH WITH YOUR MORTGAGE?
www.JoGarner.com (901) 482 0354 jo@jogarner.com twitter @jogarner NMLS# 757308

“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 tailoring mortgages to her customers who are refinancing or purchasing homes all over the country. She offers conventional, FHA, VA or other loan programs for refinancing and purchases.

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 20 years. She got her start 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 20 years. Her goal is to offer excellent, affordable service to her customers, tailoring the loan programs to the specific needs of her clients.
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 She was also the editor of Power Shoppe, a free weekly e-zine designed for real estate professionals and others indirectly connected to the real estate industry and currently publishes on her blog www.JoGarner.com

P: (901) 482-0354 | E: Jo@JoGarner.com

P: (901) 482-0354 | E: Jo@JoGarner.com

FIXING THE FLAWS IN YOUR HOME’S FOUNDATION AND YOUR FINANCING

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