Home Financing: Communicate To Get What You Really Want
Today we’re talking about “Home Financing: Communicate To Get What You Really Want”. Communication skills when negotiating real estate and home financing transactions are key to getting what you REALLY want. The radio show today focused on 6 principles to remember in your communication in real estate and other industries from Shelley Baur’s book Integrity –based Communications. We also talked with Jackie Woodside, author of Calming The Chaos. Pat Goldstein was our realtor expert and I served as the mortgage expert.
If you do not find what you are looking for in this post, please feel free to contact me at jo@192.232.195.219 or call me personally at (901) 482-0354. Let’s get for you the answers you’re looking for. Sincerely, Jo Garner
In this podcast :
Introductions
Market News
iShare Agency Social Media Tip For Real Estate Professionals
Questions answered by Shelley Baur
Questions answered by Jackie Woodside
Questions answered by Pat Goldstein
Real Estate Tip of the Week
Announcements
Quote Corner
Jack’s Challenge
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Good morning Memphis! Good morning to our friends in every state of our great nation. You’re on Real Estate Mortgage Shoppe and I’m your host, Jo Garner, Mortgage Loan Officer. You can connect with me at www.JoGarner.com. If you are on Twitter and want to make a comment or ask a question make your comments to #JoGarner and we can respond while we are live December 19th, 2015. If you want to join the conversation today while we are live call us in the studio at 901 535-9732 901 535-9732 & outside the Memphis area 800-474-9732.
Our general topic today is “Real Estate & Home Financing Transactions—Communicate To Get What You Really Want” and sitting around the coffee table we have well-known and respected author and speaker and leadership trainer, Shelley Baur, author of the book Integrity-Based Communications. I brought my copy of the book Shelley gave me back in 2005. Shelley, I thought you would laugh when you saw it. Shelley gave it to me in 2005 and I have read it, reread it, used it for references on speaking engagements and the book is dog-earred, creased beyond repair, the pages have my notes written throughout, and the cover is just worn out from sliding in and out of my work bag, and bookshelf. The book may be kind of old and worn-out looking but it has a lot of good stuff in it—sometimes that how I feel in the morning when I look in the mirror—but hey, like I said there’s a lot of good stuff in here, right?
If you want to find out more about Shelley, go to www.ShelleyBaur.com or just google “Integrity-Based Communications.” Shelley, tell our listeners a little bit about yourself and give us a sneak peek at some of the points you plan to cover during this broadcast.
(Jo) Pat Goldstein, realtor in the top 25% with Crye-Leike. She has been voted Realtor of the Year by the Memphis Area Association of Realtors and has almost 30 years experience working as a realtor. Pat keeps Shelley and me up-to-date at our weekly Business Networking International meetings on what’s happening in the real estate world so we asked her to share with you, our listeners, some real life real estate stories to go along with our topic on communication. Pat, tell us a little bit about yourself and what you do (Jo) We have another special guest who will be joining us after our first break- also an author and who has a new book out Inc Magazine has chosen as the top 10 motivational book for 2015.. Stayed tuned for (if you want to google her) — Jackie Woodside, author of Calming The Chaos.
• (Jo) But for now let’s take a moment to see what the mortgage market has been communicating to us this week. The Federal Reserve finally did what they have said they would do—raise the overnight Fed rate by a quarter point. Paradoxically, the prices on mortgage rates went lower as the Fed rate went higher. But not too much lower. 30YR FIXED – 4.0-4.375%, FHA/VA – 3.75%-4.25% no points depending on various factors in the borrower’s credit profile. Call me for rates on other products like the 100% VA loan, the 100% Rural Housing Loan, down payment assistance programs and the portfolio jumbo loan at around 3.875% and up. Here’s a word to the wise—if locking your mortgage rate while they are low is what you really want and you plan to close in the next 30 days, the market from this vantage point looks volatile, so it might be a good idea to go ahead and lock. Whether it is a refinance or a purchase loan, on a regular product or special streamline or HARP product, call me personally. I want to help you, but if you want to work with me, you need to call me personally (901) 482-0354 (901) 482-0354 or connect with me at www.JoGarner.com
(Jo) As most of our listeners know, I am an active mortgage loan officer with over 20 years experience working with clients who either need to buy a house with no money down, or clients who may already have a house but need to refinance or restructure their home financing due to medical bills, a divorce , loss of a loved one, a new job or relocation—any number of reasons. With anyone trying to get a mortgage today, if you want your process to go smoother and quicker, practice telling your truth quicker and faster. Please go ahead and tell me about that IRS lien or about that other house you own out of state, even if it doesn’t have a loan on it. Today, unlike in years past, if it doesn’t show up on the credit report, it WILL probably show up on the compliance report tomorrow. Better to let your loan officer try and help you with the true facts BEFORE you pay for a home inspection or an appraisal. There are many instances when I have been able to help my client overcome an obstacle if I know about it up front. Call me and Let’s “MAKE YOUR PLAN, WORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, DO IT TODAY.”
Shelley, what are some other integrity-based communication tips that you share in your book Integrity-Based Communications? If there is time, Pat or Jo want to bring out a point to support one or two of Shelley’s comments .
• 2nd SEGMENT Of Show iShare Agency SOCIAL MEDIA TIP OF THE DAY (background music “Roar” by Katy Perry)
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To our realtor friends and other savvy and sharp business friends out there, its time for the iShare Agency Social Media Tip of The Day for real estate professionals. Jackie Woodside –author of Calming The Chaos, that Inc Magazine has touted as top 10 Motivational book in 2015. It is a practical step-by-step guide for managing your energy rather than your time, so you can overcome stress and experience life more joyfully.” Jackie, you have definitely experienced a great deal of success and you walk the talk from your book. As our iShare Agency Expert, what is our Social Media Tip of the Day For Real Estate Professionals? (
1. How did you get started with your interest in chaos and overwhelm?
2. You write a lot about the difference between being busy and being productive, how do you see this distinction?
3. Why do you say there is no such thing as time management?
4. You talk about having to change skill set and mindset in order to get out of
chaos. How do people get out of overwhelm by changing their minds and what
skills do they need to change?
5. How does a person’s values come into play with calming the chaos?
6. Anything else you want our listeners to know?
7. How can they reach you?
QUESTIONS ANSWERED BY PAT GOLDSTEIN-
1. Pat to make comments or share short –real-life real estate stories to illustrate an example of a few of the 6 points Shelley will be sharing on effective communication.
2. Pat to tell how listeners can contact her
QUESTIONS ANSWERED BY SHELLEY BAUR:
Shelley Baur’s ideas for applying IBC to “Real Estate & Home Financing Transactions—Communicate To Get What You Really Want”
Tell your truth quicker, faster (I can’t read your mind)
“The sooner I understand what you are looking for, the faster we will be able to line up homes to show you.”
Ask for what you want (If you don’t ask, you’re in ‘default’ mode)
“Let’s get together for a conversation over coffee or lunch and help me discover what is important to you.”
Ask questions (I want to know what’s important to you, not make assumptions)
“Do you have some time in the next two days? Where is the best place for you to meet me and have a quiet conversation? Would you like to bring someone with you who will be involved with the final decision? Are there any questions you have of me before we meet?”
Pay Attention (I won’t talk, I will mostly listen, take notes)
Great, Jo , let’s meet at the main library, 3030 Poplar Avenue to check out Jackie Woodside’s new book. I’ll get there early to reserve a room from 9:00-10:00 tomorrow. I’ll meet you in the lobby. You, Pat and I can pop into the coffee shop to get something to drink then head up to our meeting room.
Keep your agreements (Make it easy to connect if either of you needs to re-negotiate the agreement before the deadline)
Let me give you my cell phone number, so if anything comes up for you between now and 9:00 tomorrow, you can just text or call and we’ll re-schedule. It’s 901.340.7517.
Give and receive accountability (Keeping agreements is a two-way street)
I won’t call to confirm, I’ll just be there a few minutes before 9:00. I have your number if an emergency arises between now and then. I look forward to meeting with you and Pat in the morning.
REAL ESTATE TIP OF THE WEEK: (Jackie Woodside share the same social media tip or a different one –)
(Jo shares) Announcements: Talk Shoppe offers free education and networking to anyone interested in real estate or in business. Talk Shoppe will not be meeting December 23rd or December 30th, 2015. But there is something important that you can do over the next 2 weeks. The late Jack Redding used to issue a challenge to everyone at Talk Shoppe this time of year. Jack was a retired licensed counselor, just a great guy who cared about people. Here’s Jack’s Challenge and I pass it on to you today. Think of someone in your circles who will be alone during the Christmas and New Years. Invite that person to coffee and really listen and be a friend to them. You may never know how much it can mean to that person and those around them, most especially YOU. For information about Talk Shoppe, go to www.TalkShoppe.com
• To hear today’s podcast of Real Estate Mortgage Shoppe and others, go to www.JoGarner.com
Call me and Let’s “MAKE YOUR PLAN, WORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, DO IT TODAY.”
Merry Christmas and a Happy New Year to all of our friends out there!
Quote Corner: Shelley shares two quotes from her book.
Jackie to share a quote from her book.
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Transitional songs used during this show: 9:15 AM “It’s The Most Wonderful Time Of The Year” Andy Williams; 9:30AM “Til The Season Comes ‘Round Again” Kenny Rogers ; 9:45 AM Manneheim Steamroller “God Rest Ye Merry Gentleman”; “Roar” by Katy Perry for the iShare Agency Social Media Tip For Real Estate Professionals
REJOINERS BY:
Loretta McNary, www.thelorettamcnaryshow.com
Pat Goldstein, Realtor with Crye-Leike Realtors, Inc. (901) 606-2000
Carolyn Bendall,
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ABOUT PAT GOLDSTEIN, REALTOR CRYE-LEIKE, INC (901) 606-2000
2006 MAAR Realtor Associate of the Year 2005 MAAR Presidential Award Recipient TAR Leadership Graduate Member National Association of Realtors
Life Member of the Multi-Million Dollar Club. Toastmasters Division Governor CBS (Certified Builder Specialist)
CRA (Certified Relocation Associate)
CRS (Certified Residential Specialist)
GREEN (Green Agent)
GRI (Graduate, Realtors Institute)
MMDC (Crye-Leike Multi-Million Dollar Club)
SRES (Seniors Real Estate Specialist)
SRS (Seller Representative Specialist)
Vice-President (Circle of Excellence)
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About Jackie Woodside:
Jackie Woodside, CPC, LICSW is a bestselling
author, TEDx speaker, radio and television personality and
seminar leader who is passionate about the expanding the edge of human potential. Jackie has written two
bestsellers,
“Calming the Chaos: A Soulful Guide to Managing Your Energy Rather than Your Time,” which
was listed in Top 10 Motivational Books of 2015 by Inc.com and “What If It’s Time for a Change?” Jackie was
featured along with Jack Canfield and Don Miguel Ruiz on the Wake Up! TV show in 2015.
Jackie provides custom training programs, workshops and keynote speeches for businesses, government and
nonprofit organizations, spiritual centers and national organizations around the country.
Jackie lives between her homes in Massachusetts and the Thousand Islands of Upstate New York.
Expanding the Edge of Human Potential
www.jackiewoodside.com
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SHELLEY BAUR www.ShelleyBaur.com
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Shelley passion is to:
“… work with people who want to communicate more
confidently … and engage more effectively … as business leaders and entrepreneurs.”
Following a career that ranged from field sales to Vice President-Communications in corporate America, Shelley wrote the book, Integrity-Based Communications Using truth to get what you really want. She continues to teach the six principles that transform people and build high-trust relationships.
Shelley is a
• Graduate of the University of Memphis (BA, psychology)
• Past president of the National Association of Women Business Owners (NAWBO) in Memphis
• Leadership Memphis graduate and “Distinguished Alumna”
• Mentor in MILE for high potential leaders at the University of Memphis Fogelman Business College
• “Fifty Women Who make a Difference,” Memphis Woman Magazine
• Athena Award recipient as a role model for mentoring and community leadership
• IRIS Award winner for encouraging women entrepreneurs
Active as a speaker, trainer, and leadership coach, Shelley is passionate about building people for life and leadership. Her foundation is the leadership model explored in her newest book, Integrity-Based Communications Using Truth to Build High-Trust Relationships.
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ABOUT JO GARNER, MORTGAGE LOAN OFFICER –
www.JoGarner.com (901) 482 0354 jo@192.232.195.219 @jogarner
Jo describes her job description: “As a mortgage loan officer, my job is to give my client the benefits they want from their financing terms– listening to my client and determine what’s of the most value to THEM– What is their comfort level on a house payment, how much are they comfortable paying down, what type of financing do they need to get the house they 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. Whatever their personal priorities are, my job is to put together a mortgage with comfortable terms that will help them achieve their goals.”
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 is the host of Real Estate Mortgage Shoppe broadcasting on News Radio AM 600 WREC in Memphis and on iHeart Radio on the internet and currently publishes on her blog www.JoGarner.com .
For real estate financing solutions, plug into the Real Estate Mortgage Shoppe program. You can find mortgage rates, FHA Streamline refinance with no out-of-pocket costs, refinancing options, home purchase loan programs, answers and real estate, money-saving tips and more.
PHOTO GALLERY 12-19-15