HOW TO MAKE FIRST IMPRESSIONS GETTING A MORTGAGE & YOUR HOME’S CURB APPEAL

Tips on cost-effective ways t create curb appeal for your home. If you are trying to get a mortgage approved so you can buy a house or refinance an existing mortgage, don’t rely solely on LUCK to get your mortgage approved for the terms you want. Prepare to make a good first impression in these five areas- Capital, Character, Capacity, Collateral and Conditions.

Let’s talk about YOUR plans and explore the best options for helping you achieve your heart’s desire. Contact us today!

#JoGarner #MortgageExpert Mortgage Loan Officer (901) 482-0354

#JohnLawhon #LawhonLandscaping (901) 754-7474

#DonnaRoach #HearthsideSeniorLiving (901) 651-2503

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

#mortgageapproval #gettingamortgageapproval #curbappeal #memphislandscaper #midsouthseniorliving #bartlettassistedliving #memphisrefinance #homeowner #homebuyer #realtor

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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: HOW TO MAKE FIRST IMPRESSIONS GETTING A MORTGAGE & YOUR HOME’S CURB APPEAL. Thank you to real estate attorneys, Rob Draughon and Shelley Rothman of Griffin, Clift, Everton and Maschmeyer for sponsoring the episode. Today is March 15^h, 2025 Call in to the live show at 901 535-9732

Introducing John Lawhon of Lawhon Landscaping

(Jo) John Lawhon of Lawhon Landscaping is back in the Real Estate Mortgage Shoppe studio. John, I have hears so many good testimonies from your happy customers. You do landscape design, installation, drainage fixes and irrigation too. You did the landscape design for the Collierville Town Center, the Page Robbins Center and more. Take a moment to introduce yourself to our newer listeners and tell us some of the services you offer your customers. (John has about 1.5 minutes to intro himself and talk about the services you offer your customers)

(Jo) Today is March 15^th, 2025 and people are out this weekend celebrating St Patrick’s Day. If you are trying to get a mortgage approved so you can buy a house or refinance an existing mortgage, don’t rely solely on LUCK to get your mortgage approved for the terms you want.

Prepare to make a good first impression in these five areas:

1^st Capital –Cash is king. The more money you have to put down on your home and the more money showing left over after the closing in case of emergencies, the better lenders like you.

2^nd Character-your credit reputation. The higher your credit scores, the lower interest rates you get to enjoy. The lower your credit scores, the higher price you pay for credit. 780 is a great credit score. 700 is an okay score. Scores in the 600’s can cost you a lot more for credit. I have seen some mortgage clients take 1 or 2 simple, inexpensive moves to make some quick improvements for the credit scores

3^rd. Collateral- The house needs to appraise for enough value to do what you want to do with your mortgage. Unless you are doing a renovation repair loan, the home has to be in good condition too.

4^th Capacity- You need to make sure you can verify enough stable income to quality for the loan terms you need. One of my specialties is working with self-employed borrowers with good credit. There are some extra steps we can take to add certain expenses back to income to help a self-employed person qualify for the loan they want.

5^th Condition- Purpose of the loan, loan type, loan-to-value

HOW NOT TO MAKE A FIRST IMPRESSION ON YOUR MORTGAGE APPLICATION

TIMOTHY TRICKSTER’S STORY

Don’t be like one of my nightmare clients a few years ago who promised us he would have the money to close even though it was not in his bank account. All the parties to the contract knew we could not verify any funds from the borrower, but everyone chose to hang in there and see if his income would truly cover what was needed at the end of the month as the borrower promised. It was the first week of the following month-only a few days away from closing and his old credit report had expired. We pulled an updated credit report and discovered the source of his extra funds—he just didn’t make the payments on any of his bills and assumed he could use this money to pay down on his new home. Don’t do this. By letting his bills go over 30 days late that last month, it dropped his credit scores by over 100 points and he no longer qualified for the mortgage to purchase his home. Make sure you pay your bills on time every month.

Are you thinking about getting a mortgage to buy a house or refinance a home you already own? Call or text me TODAY at 901 482-0354. (901) 482-0354. I can assist you in making the BEST impression for the mortgage ou need to do the things you want to do at the terms you want to pay. Our team is ready to make the mortgage process EASY.

(Jo) John Lawhon with Lawhon Landscape, you stay busy improving the curb appeal on homes and offices around the Mid-South. Before we go to break, please share some of your tips on curb appeal. (John can launch into his topics until the 9:15 am break to be continued after break)

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 our landscaping expert, John Lawhon of Lawhon Landscaping. Donna Roach of Hearthside Senior Living will be joining us with some tips some of our listeners can truly appreciate. We will see you back in just a moment.

2nd segment 9:18 am – 9:30 am

TALK SHOPPE BUSINESS TIP FOR REAL ESTATE PROS

It’s time to talk shop with Talk Shoppe’s Business Tip For Real Estate Professionals. Talk Shoppe is a marketing company offering free education and networking to anyone interested in real estate or in business or health and wellness. Talk Shoppe is made possible by the financial support of its sponsors. For more about Talk Shoppe, go to www.TalkShoppe.com (shoppe) For our Talk Shoppe Business Tip today we have Talk Shoppe sponsor Donna Roach of Hearthside Assisted Living of Bartlett, TN. The philosophy of Hearthside Senior Living evolved from a rich heritage of caring FOR people and caring ABOUT people. Your surroundings are gracious and encourage relaxation, reflection, wellness, and fine living. We had a family member who loved living there. You took such good care of her. Take a moment and share with us some of your wisdom as our Talk Shoppe tip. Donna Roach has about a minute to share her tip.

Tip: A senior community is your home so you want it to be special. You move your furniture into the apartment and you decorate with pictures and trinkets, but you also want the building to be attractive which is where a good landscape company is so important. When choosing a senior community look at how the building is taken care of.  It is important.

Donna Roach, how do we contact you? 901 651-2503

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TOPICS COVERED BY JOHN LAWHON OF LAWHON LANDSCAPING

1. How can homeowners or business owners use color in landscape to enhance curb appeal?

2. What kind of response do realtors get from a home that has good landscaping vs one that has not been spruced up?

3. Talk about ways homeowners can get some great curb appeal if they are selling their home or just getting ready for the in-laws to pay a visit.

1. Spruce up outdoor containers.

2. Container plants make a positive difference to patios and doorways where would-be buyers enter and exit the house..

3. Mulch in the right spots spruces up a place, so apply a fresh layer in all your garden beds. The right color mulch enhances the other surrounding plants and makes everything pop.

4. Plant something with color that brings a feeling of pleasant excitement.

5. Colorful flowers. Go for a splash of several colors or a more one-color method-whatever looks good at your home.

6. Giving your landscape the neat and tidy trimmed look. Get rid of dead stuff. Dead and unkempt plantings indicate neglect which buyers could presume is true of the inside of the house too. Grab would-be buyers at the curb with a great looking landscape.

7. Tend to perennial beds. Tidy up annual and perennials that don’t look good. If you have to replace the plant, you may want to consider replacing it with a different plant.

8. Dig up and prepare to transfer plants that will go with the house if you are moving. Make sure the buyer of your home know you are taking certain plants.

9. Clean up small ponds or pools. Get rid of any visible algae, remove leaves and clean filters so that the water is pure and clean. Green algae water in a pool can be a real turn off .

10. Correct any irrigation issues. Fix a broken system or install an irrigation system if needed. Correct drainage problems.

11. Fix leaky faucets since this can indicate to would-be buyers possible other water problems in the house.

12. Drawing the eye pleasantly to your home’s front entrance is an easy, low-cost way to up your home’s curb appeal. Painting your door a pretty hue that contrasts but complements your home’s color. Place a potted plant or two by the front entrance to add pizzaz.

13. Manicure the Lawn

14. Use potted plants to dress up your entryway.

15. Add architectural details that go with the style of your home to enhance your façade

16. Use plants that will keep the landscaping low-maintenance lawn.

17. Improve the looks of driveways and pathways.

18. Rocking and Hardscaping

4. Talk about some of your more high profile landscaping projects.

Collierville Town Center, Page Robbins, and more

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^3rd SEGMENT 9:35 AM-9:45AM)

TOPICS COVERED BY JO GARNER, LICENSED MORTGAGE OFFICER

MORE ON THE FOUR of the FIVE C’S OF LENDING- Capital, Character, Collateral, Capacity

1. What are the number one areas where people can make a good impression on their mortgage loan application?

Capital- If you have assets like a large savings account, CD’s, mutual funds or retirement funds, go ahead and disclose them on the loan application even if you aren’t going to use the funds for closing. Automated underwriting programs and even HUMAN underwriters like to see reserve funds for a borrower. It insures if there was an unexpected emergency, the borrower would be able to weather the storm without missing a house note. Liquid assets are what I call “grease on the cog” because it can ease a loan into an approval status even if there are other aspects of the file that might not be so clean.

Capacity- State your income correctly. If you are a W2 employee, don’t over state your income. Most of the time the previous W2 and the year-to-date income totals on your latest paystub help you get the income right. That is what a loan officer will look for. If you’re self employed, or a 1099 subcontractor or you own over 25% of the company or if over 25% of your income comes from commissions, let the loan officer know. The formulas and methods for calculating your income is VERY different than if you are a regular W2 income employee. If you’re self-employed and have good credit and you’ve been turned down at another bank, please call me. Fewer and fewer loan officers today know how to find your income in the BACK pages of the tax return. I may be able to help you. Call me right now on the air at 901 535 WREC or call me directly off the air at 901 482-0354. That direct number again is 901 482 0354.

Character-Credit scores are important. A great credit score is 740 or higher . if you scores are lower you can still get a loan but sometimes you end up paying a higher interest rate. We can use the Credit Simulator tool. Its sort of like a flight simulator. It can suggest ways to get your credit scores higher in the least amount of time with the least amount of investment.

2. What are some specific things people can do to improve their credit scores?

Everyone knows you need to make your payments on time. But not many people know that 30% of your credit score is made up of your borrowing habits on revolving accounts like credit cards. To boost your credit scores the highest, you want to keep your balance owed BELOW 30% of your total credit limit on credit cards. If you borrow over half of your credit limit even if you pay your bill on time, it can drop your credit scores significantly. For instance, if you have a credit card with a $1,000 credit limit, don’t ever borrow more than $300 on it. Keep your balance owed under 30% of the limit.

Don’t ever run out and pay off a bunch of bills before coming to see your loan officer. I’ve had people come to my office and announce that they paid off a bunch of collection accounts before coming in for their loan, and then they’re shocked when their credit scores have nose-dived over 100 points. Why is that? If the collection accounts are old, they weren’t affecting your scores that much until you paid them off. Then the computerized scoring program saw the updated collection balance as a new collection. I’m all for paying off your collection accounts, but if you have old collections on your report, wait until you are closed on the loan before you pay them off.

RACHET UP THE CREDIT SCORE TO RATCH DOWN THE PRICE OF MORTGAGE RATE-PHILLIP AND FARRAH FENTON’S STORY

Phillip and Farrah Fenton had been married over a year and expecting their first child. As newly- weds, they didn’t mind living cramped in a tiny house in a family member’s backyard. But, now they had the baby to think about. Phillip’s credit score was suffering because of some bills he had not paid and others he had racked up from his carefree college days.

In order to put himself and his family in a better position, Phillip and I talked about his plans. He disciplined himself with the help of his wife to aggressively pay down the balances on his revolving credit card accounts to keep the owed balances under 30% usage on each of the lines of credit. His credit score started improving.

After adding several points to his credit score, Phillip was in a position to get a lot lower mortgage interest rate. Bragging rights for the Fenton’s. They locked in a lower mortgage rate than they ever thought possible. Now they had more money to spend on their baby.

We are going to talk about some other strategies you can use later in this show. But the way you can get started using this one on improving your credit scores is pull the free credit report the government allows you to get once a year from www.annualcreditreport.com Review it for errors and look for ways to get your revolving credit balances paid down and maintained as low as possible —using less than 30% if possible on your credit lines and making your payments on time.

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 TO JO@JOGARNER.COM

12-minute video version https://www.youtube.com/watch?v=CkBoEhqmmb0     

1. 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. 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. 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. (no strike-throughs or white-outs)

(If you turn in a 401k statement, please get a letter from the administrator stating terms of the plan including terms of withdrawal—even if you are not withdrawing funds)

4. 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.) Note: If your IRS transcripts or tax returns indicate that taxes are owed, you must document the source of funds to clear the taxes owed or show proof of accepted payment plan and proof of three months payments made to IRS or other agency to clear debt.

(Some mortgage products do not require tax returns at all-check with your mortgage officer for a personalized list of documents needed for your specific loan)

(PLEASE DISCLOSE ANY PAYMENT PLANS MADE TO IRS OR OTHER OUTSIDE AGREEMENTS THAT MAY NOT SHOW ON THE CREDIT REPORT. THESE PAYMENTS NEED TO BE CALCUATED TO DETERMINE YOUR TRUE DEBT-TO-INCOME RATIO.

PLEASE DISCLOSE ANY IRS OR OTHER LIENS THAT MIGHT SHOW UP ON OTHER REPORTS CONNECTED TO YOU. NOT DISCLOSING THESE CAN JEAPORDIZE YOUR LOAN APPROVAL LATER IN THE PROCESS)

PLEASE DISCLOSE ANY RECENTLY ACQUIRED OR EXTENDED DEBT OR UPCOMING DEBT OBLIGATIONS

5. 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. 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. Please check your tax returns and make sure you do not have any undisclosed business losses. If so, please notify your loan officer.

8. 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. 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. 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. 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. 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.

If the appraiser notes repairs on the appraisal, it is very possible he/she will need to reinspect the property to make sure repairs are completed in a workmanlike manner. Appraisers charge an extra fee to do this which could increase your costs at closing.

If the property that will be appraised is classified as a manufactured home, modular home or mobile home, not build onsite, please let the loan officer know right away. Homes that were not completely built on the site where they are located can require a different mortgage program with different guidelines. (Examples of homes that may require a unique loan program are manufactured homes, mobile homes, condominiums, cooperatives, geodesic homes, barndominiums, berm homes, log cabins, homes with multiple parcels or with more than one home on the property, properties with income producing business activity, properties with more than 4 units.) Appraisal fees are not refundable.

13. 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. Anyone on the loan and/or on title or spouses of the owner occupant do not leave town during the loan process and closing period. We need all parties available to provide supporting documents as needed until the closing is funded.

15. )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. (remember 3-day recission period from closing to funding on a refinance of primary residence)

16. 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.

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REAL ESTATE TIP OF THE WEEK

JOHN LAWHON’S Real Estate Tip of the Week (about 1.5 minutes)

Donna Roach’s Tip (about 1 minute)

When considering downsizing whether to an independent or assisted community always talk with a professional about moving. (Leann Morse) There are people who specialize in helping you choose the right things to take with you. You want to be happy in your new home but you also want to be comfortable and have the right furniture in place.

Jo Garner’s tip (about 1 minute)

Create your own luck when you apply to get the best terms on a mortgage.

Call me or text me at 901 482-0354. Or email me at Jo@JoGarner.com and I can send you the Do’s and Don’ts for a Smooth Mortgage Process.

You can also find this checklist in my book “Choosing the Best Mortgage-the Quickest Way to the Life You Want” and on the blog post from this episode of Real Estate Mortgage Shoppe on www.JoGarner.com

What do YOU want to accomplish with YOUR mortgage? I have the knowledge and experience. Let’s look at traditional mortgage products, alternative mortgage products and even combinations of products. I can help you get you what you need and make the mortgage process EASY. Jo Garner, Mortgage Loan Officer 901 482-0354 www.JoGarner.com

ANNOUNCEMENTS:

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 1^st floor Memphis, TN

(Thank you Manny Corless and Ben Hunter (615-601-0568) outstanding Financial Professionals at Independent Planning Group for being Talk Shoppe’s location sponsor)

Join in person or online by clicking www.TalkShoppe.com and click the Events tab for the link to get into the event online.

Talk Shoppe on Wednesday March 19th, 2025 “Aging in Place” presented by Tim Flesner co-owner of MidSouth Home Helpers (901) 414-9696

Powered by Mary Lou Nowak of Resource4Care.com

Sponsored by MidSouth Home Helpers (non-medical assistance to your loved one needing assistance with activities of daily living)

Hosted by Talk Shoppe

Talk Shoppe could not offer the free educational networking events free to our community without some very giving sponsors. Thank you to Lawren Bogard, representative of Shelby Gardens Memory Care. If you have a loved one who needs memory care, contact Lawren Bogard of Shelby Gardens and explore the resources for you to help your loved one. (901) 713-1681.

Thank you to CPA and CFO Carlin Stuart for volunteering to help make Talk Shoppe’s networking and education free to the local business community. Call Carlin Stuart for his CPA and CFO expertise for your business. (901)355-5019.

Happy St Patrick’s Day Weekend. May the luck of the Irish follow you!

6. Subscribe today for weekly podcasts with show notes at www.JoGarner.com

Real Estate Mortgage Shoppe reminds you to MAKE YOUR PLAN. LET’S WORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, DO IT TODAY.

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:

Erma Bombeck on first impressions “All of us have moments in our lives that test our courage. Taking children into a house with a white carpet is one of them.”

Erma Bombeck “ When you look like your passport photo, it’s time to go home.”

REJOINDERS:

1. Ed Hill of Masters Roofing in Memphis 901 273-6594

2. Real Estate Closing Attorneys Rob Draughon and Shelley Rothman of Griffin, Clift, Everton and Maschmeyer. (901) 752-1133

3. Steve Richman (That PMI Guy) Raleigh, NC Genworth Private Mortgage Insurance

Transitional Music: Transitional Music: “I’ll Clean Up For You”  Tim Hawkins; “ “Tacky” by Weird Al Yankovic; “I Just Can’t Clean This Place”   Parody from  Meghan Trainor song by Laughing Moms;

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 JOHN & JENNIFER LAWHON OF LAWHON LANDSCAPING DESIGN:

Call: (901) 754-7474

Beautiful gardens begin with thoughtful design. The staff of Lawhon Landscape Design includes professionals with degrees in Landscape Architecture, Plant Pathology, Studio Art, and Agronomy. Our designers and plant professionals create outdoor living spaces with your lifestyle in mind.

Our many years of experience in design, installing, and maintaining Mid-South landscapes make us uniquely qualified to create gardens that are both beautiful and practical to maintain.

A Family Business

Our business was started in 1958 by Rex and Beth Lawhon and was one of the first weed control companies in the Southeast. Over the years, we have kept our client list small and personal in order to serve the gardens of Memphis with the best in lawn and shrub care. The high quality of our work has paid off over the years by the many repeat customers we have – both residential and commercial. We follow the philosophy of doing it right the first time. We hope that you will give us the opportunity to serve your garden needs as well.

In 1985, we expanded our family company by offering a complete design build landscape service. John Lawhon, with a degree in Landscape Architecture, offers complete landscape designs for every budget as well as outstanding plant installation services. In order to help maintain your landscape, we offer complete irrigation system installation. We have everything you need to make your home more beautiful than ever.

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 News Radio AM 600 WREC and iHeart Radio 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”