HOW TO WIN THE RACE TO HOMEOWNERSHIP IN 2026
Rain or shine, see you Saturday at the Track Meet at Memphis University School on the radio and at the Talk Shoppe vendor table
(Hear from some people on the air, at the race and some words of wisdom from 2-time Olympian Rochelle Stevens )
Host #JoGarner #MortgageExpert (901) 482-0354
Co-hosts: #MidsouthRealtors
#PatGoldstein Crye-Leike TN & MS 901 606-2000
#SilvanaPiadade EXP Realty TN & MS 901 647-6661
Subscribe for weekly podcasts with show notes www.JoGarner.com
#firsttimehomebuyer #homebuyer #downpaymentassistance #realtors #realestatetoptips
LET’S GET STARTED…(Jo) (Good morning, Memphis! Welcome to our internet listeners and podcast listeners across the 50 states! . Today is May 23rd, 2026. I’m your host, Jo Garner, Mortgage Loan Originator. You can connect with me at www.JoGarner.com. Our general topic: HOW TO WIN THE RACE TO HOMEOWNERSHIP IN 2026. Some of the sponsors for our show are at the Talk Shoppe vendor table today at Olympian Rochelle Steven’s 36th Annual Invitational Track Meet at Memphis University School. Come on out to cheer the athletes. Stop by and see us. Thank you also to real estate attorneys Shelley Rothman and Rob Draughon of Griffin, Clift, Everton and Maschmeyer Law Firm. For your real estate purchase or refinance closing call Rob and Shelley at 901 752-1133.
INTRODUCING PAT GOLDSTEIN, CRYE-LEIKE REALTORS –In the studio we have Pat Goldstein, an award-winning realtor with Crye-Leike Realtors, serving buyers and sellers in Tennessee and North Mississippi. You have a long line of happy home buyers and sellers you have helped for almost 40 years now. Take about a minute or less to tell our listeners a little bit about yourself and the services you offer your client. (Pat has about 45 seconds to introduce herself and talk about the services she offers her clients)
INTRODUCING SILVANA PIADADE, EXP REALTY-(Jo) Silvana Piadade is also an award-winning realtor with EXP Realty. Silvana speaks English and Spanish and serves home buyers and sellers in Tennessee and Mississippi. Silvana Piadade, please take a few seconds to introduce yourself and talk about the services you offer your clients. (Silvana has about 45 seconds to introduce herself and talk about what she does for her clients.)
(Jo) We are talking about “How to Win the Race to Homeownership in 2026.” It feels so good to win a race. It feels so good to finally own a home of your own.
The two-time Olympic medalist from Memphis, Dr. Rochelle Stevens, loved to run as a child. She became inspired by others and knew that if she could be the BEST at running, she could have the life she wanted and help other people get to the life THEY wanted. With her mother as her coach, Rochelle made a commitment and trained long and hard every day on her goal of becoming an Olympic running champion.
She trained hard and left everything on the track –every day. Her dream of going to the Olympics was So close. But…in 1988 she missed qualifying for the Olympics in Seol by just a “blink of an eye.” This disappointment was staggering. She felt like the years and grit and grind to get to the Olympics as a waste and that she would never achieve her dream. But, she decided to amp up her training to 6 hours a day at Shelby Farms with no excuses until she could achieve her dream of winning the Olympic medal and living the life she wanted. With her mother as her coach and putting the right people around her, Rochelle Stevens had a different experience many times over when she competed.
Stay tuned to hear Rochelle Stevens tell about it later in this show.
Do you want to own your own home? Maybe you want to buy some rental property too?
I am your mortgage coach. What do you want to accomplish with YOUR mortgage? I can help you find the right mortgage and make the process EASY for you.
Together we can press through to fix some credit issues. We can do an initial soft pull credit that does not affect your credit scores so we can put together the fastest, least expensive actions to get your credit scores higher, quicker.
We can find solutions for solving issues when you don’t show enough income or have too much debt. Are you self-employed and having trouble showing enough income on your tax return? We have programs that use alternative ways to verify your income.
Maybe you need a boost with some down payment assistance or grant money. There’s a special loan that can help you. Are you ready to win YOUR race to homeownership? I am Jo Garner, your mortgage expert. I can help you with getting your mortgage approved and make the process EASY. Connect with me today at www.JoGarner.com
(Jo) Pat Goldstein, realtor with Crye Leike Realtors, please share with us a couple of tips you give to the home buyers you serve. (Pat has about 2 minutes to share a tip or 2 )
(Jo) Silvana Piadade, realtor with EXP Realty, please share with us a couple of tips you give to the homebuyers you serve. (Silvana has about 2 minutes to share a tip or 2 for homebuyers)
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 realtors Pat Goldstein of Crye-Leike and Silvana Piadade of EXP Realty. We will be checking in with some or our radio sponsors from Talk Shoppe at the race track. See you back in just a moment.
2nd segment is after first break 8 minutes 50 seconds
( Waaka Waaka song in background ) COMIC QUERIES (you probably already know the answer, but we will ask anyway
(Pat) Riddle #1: Riddle: If you are running in a race and you pass the person in second place, what place are you in?
(Silvana) Answer: Second place. You take their exact position by passing them!
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(Silvana ) Riddle #2 What gets harder to catch the quicker you run?
(Pat) ANSWER: Your breath!
(Jo) Today on Real Estate Mortgage Shoppe we are talking about “How to Win the Race to Homeownership in 2026”
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
Pat Goldstein, Realtor with Crye-Leike Realtors 901 606-2000 https://patgoldstein.crye-leike.com/
Silvana Piadade, Realtor with EXP Realty 901 647-6661 https://findhomesinmemphis.com/
TALKSHOPPE TIP
Leah Anne and Taylor Morse of All Things Moving Company
(901) 488-9733
Talk Shoppe is one of our major sponsors on Real Estate Mortgage Shoppe. Talk Shoppe offers free networking and education to our local business community. If you join the Talk Shoppe Sponsor team, you can get a wide variety of marketing venues at a below-market price. www.TalkShoppe.com
Thank you Leah Anne and Taylor Morse of All Things New Moving Company for your support of our real estate and business community through your contributions to Talk Shoppe. In fact, you can stop by Rochelle Steven’s Invitational Track Meet today May 23rd, 2026 and meet them at Memphis University School at Park and Ridgeway. Taylor and Leah Anne Morse of All Things New, you won a finalist award with Memphis Most last year in the Moving Services Category. You have been a shining example of how to put your clients first and go the extra mile in serving them. Leah Anne and Taylor Morse what is our tip today?
Leah Anne and Taylor Morse offer a moving tip to homebuyers (about 1 minute)
Tip:
(Some of the other Talk Shoppe sponsors at the race say hello.)
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TOPICS COVERED BY PAT GOLDSTEIN, REALTOR WITH CRYE-LEIKE REALTORS 901 606-2000
Make sure you call Jo Garner to get preapproved for a loan before you start your home search. Make a list of the things that are most important to you, the things that you would like if you can get them, and just as important the things that you absolutely don’t want.
For example, if living on a quiet street is really important then put that at the top of your list. If you need a certain numbers downstairs or if you’d rather have all your bedrooms up, make sure that your Realtor knows that.
Do you need a separate dining room, or would you rather just have a great big eating kitchen, or do you want both. Do you want a great big backyard, or would you rather have no yard maintenance at all.
There are so many features, some very important and some not so much . Make sure that whatever’s important to you is on your list.
Pick some neighborhoods and check on affordability of those neighborhoods. When considering financing, know how much you’re going to need upfront to get into the house and be sure that you have that plus some extra, because it’s always going to cost a little more than you think.
If you’re buying with another person, a spouse, another family member, or a good friend each of you make a list separately and then put them together to see what the things are that you both want and don’t want. One thing you really don’t want is to have the home search for home purchase getting in the way of your relationship.
Buying a home it’s not just a financial matter, it’s also very emotionally charged. Be ready for the ups and downs that a home search and home purchase can cause.
TOPICS COVERED BY SILVANA PIADADE, REALTOR WITH EXP REALTY 901 647-6661
Location, location beats everything
You can remodel a house. You cannot move it. Pay attention to school zones, traffic, flow, nearby development, and future commercial growth.
For investors— bye, ugly, not dangerous. Cosmetic problems are opportunities. Structural nightmares are another story.
3RD SEGMENT 12 minutes
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( Small Victories song by Allen McCool playing in background)
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For Did You Know today…(see if you can guess the answer before we do)
Silvana Piadade to ask the Trivia Question
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Question: What is the name of the Memphis, TN high school known for having more than one student to win Olympic gold medals in track and field?
Pat Goldstein gives the hints
Hint# 1: This high school is in the Orange Mound neighborhood in Memphis
Hint #2: This high school is the alma mater of two-time Olympic medalist, Rochelle Stevens and another gold medalist Sheila Echols
Jo Garner to give the answer
ANSWER: Melrose High School in Memphis, TN There is a street by this school named “Olympian Rochelle Stevens Ave”
(Jo) Today on Real Estate Mortgage Shoppe we are talking about “How to Win the Race to Homeownership in 2026”
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
Pat Goldstein, Realtor with Crye-Leike Realtors 901 606-2000 https://patgoldstein.crye-leike.com/
Silvana Piadade, Realtor with EXP Realty 901 647-6661 https://findhomesinmemphis.com/
TOPICS COVERED BY JO GARNER, LICENSED MORTGAGE OFFICER
Jo Garner shares stories to illustrate how people ran a winning race to buy the home where they wanted to live. Stay in the race and cross the finish line.
#1 Rule Call me first before running out and paying off a lot of debt or making a major purchase. I am your mortgage coach and we need to work together so that you win the race to the home YOU want to buy.
#2 Rule Determine your true income vs what your true debts and obligations are costing you.
Get your last 3 to 6 months bank statements and credit card statements in front of you (your paper statements or your online account information.) Now, start counting up what you actually get for income going into your asset accounts and what you actually spend on bills and other stuff you may or may not need. What bills come due only once or twice a year? (Car tags, club memberships, car insurance etc)
What can you do without? What can you substitute with something that costs less money? After writing out your true income and your true expenditures, what is the maximum house payment that is comfortable for you?
What is the maximum down payment that is comfortable for you?
#3 Rule Explore more than one loan program with an experienced mortgage officer
Let me introduce you to Linden Lancey.
Linden Lancey (not her real name) reached out to me via email. She was a first-time homebuyer with big dreams but with a limited amount she could pay for a house note. Kudos! to Linden for taking a full inventory of what income she had coming in each month and how much of her hard-earned money marched out each month to pay her bills. She knew her own comfort level on what she could pay down and how much she could comfortably pay per month. She told me her limit on what she could pay per month and her limit on money to pay down.
Linden also knew all the things she wanted for her home. She knew the general area where she wanted to live and all the built in gadgets, bonus room-over-the-garage workshop and sitting areas with a view she had to have in the place she would call home.
But…the home she wanted would tie her down with a monthly payment $200 per month over her maximum comfort level. The down payment plus some other costs would strap her with $7,000 to $10,000 depending on how much the seller would be able to help with her costs. She would be dipping into her emergency fund to pay out almost double the amount she was comfortable paying.
What are some solutions we could explore for people like Linden?
Down Payment Assistance & Grants-For financing we would look for a 100% loan program or the right down payment assistance program to help her buy her home and still have her emergency funds in place. There are 100% financing programs and assistance programs for both first-time homebuyers and people who are NOT first-time homebuyers.
Credit Simulators to Boost Scores-If a customer like Linda needed a higher credit score to get the special program she needs, we could look for errors on her credit report, we could use Credit Simulator technology to determine the least amount of money needed to pay down certain accounts to bring her credit scores up in the quickest time frame.
State Bond Programs-We could also explore special programs that would allow her to have a lower-than-market mortgage interest rate to keep her payment affordable. There are state programs like Tennessee Housing Development Agency that can make lower the payments for borrowers.
2-1 Rate Buydowns-If the seller is willing to pay the maximum allowed for closing costs, we could look at a 2-1 Buydown program that would start out with an interest rate 2 whole points below the market rate we lock in during the loan process. The interest rate would step up one point the second year and back to the locked market rate thereafter.
Hybrid Adjustable Rates-Another program that is emerging lately that significantly lowers the rate the first five years of the mortgage with tight safety caps on rate movements for the remainder of the loan. The FHA five year adjustable could help people like Linda. If the market rate for her was in the mind 6’s on a loan in the $200,000 range, her principal and interest payment might be between $1,275 to $1,300 per month. But, with the FHA 5-1 ARM she could enjoy a rate in the very low 5’s for the first five years, making the principle and interest payment around $1,100/month, saving her about $200/month for the first five years.
Maxim and Mindy Morris -Buy new home now, sell old home later, enjoy low payment
Maxim and Mindy Morris had a dream to move closer to family but kept putting off the move because they needed to do extensive fix ups on their current home before they sold it. They needed the money from the sale of the old house to keep the mortgage payment low on the new home. I asked them if they would go ahead and buy the home they wanted outside the city without selling their old house yet AND I could still show them how to enjoy a low mortgage payment on the new house, would they make the move.
Challenge: They need to wait about 6 months after they move out of their current home before selling it. But, since thy can’t use the equity from the old house and don’t want to a third loan, their payment on the new home will be too high for their personal comfort level.
Solution to Buying Quicker: go ahead and buy the new home with the smaller down payment . Later, when they sell the old home and have cash from the equity, they can pay that large lump sum down on the new mortgage as a prepayment to principal. When they prepay 20% of the unpaid balance on the mortgage, the lender has the option to RECAST the loan to a lower payment as if they had put the large amount of money down. Now the Morris’ can still enjoy a low payment on their new home after they sell their old one. A recast is not a refinance. The rate and number of years on the mortgage do not change, but the payment is lowered. Call me and I can show you how the RECAST tool can work for YOU.
OTHER SOLUTIONS FOR A QUICKER HOME PURCHASE
Reverse Mortgage Purchase Program- For buyers over 62 years old who plan to purchase a home where they will live for aging in place. The FHA HECM has a lot of safety features in the terms that protect the reverse mortgage borrower and their families. They would make a down payment but would no longer have to make mortgage payments until they move out of the home as their primary residence. No mortgage payments-sweet.
Special Loans for Real Estate Investors -DSCR loans and two step hard money-private money to permanent financing programs. This can help investors close quicker without having to qualify with a lot of income support documents. In some cases, a two -step process going from temporary funding to permanent can get investors in without a huge cash down payment.
Hobby Farm funding
Special Loans for Self-Employed allow some self-employed borrowers to qualify with their income after less than two years history running their business.
Investors buying homes to build income
(Ways to make your primary residence more affordable by creating an income)
Buying a hobby farm example
MAKE YOUR PLAN. LET’S WORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, LET’S DO IT TODAY. I can make the mortgage process easy. Connect with me at www.JoGarner.com You can email me at Jo@JoGarner.com or call me at (901) 482-0354
4th Segment 8 minutes and 50 seconds
(THE SONG UpBeat Inspirations PLAYING IN BACKGROUND )
INSIGHTS & INSPIRATIONS
You Can Win Your Race If you Run It EVERY DAY
Rochelle Stevens knew in her heart she wanted to be an Olympic champion runner. She worked every day, suffered disappointing defeats and injuries. At last in Barcelona 1992 she won the Olympic silver medal. In the 1996 Olympics Rochelle took home the Olympic gold medal. Take a listen to some advice Olympian Rochelle Stevens is giving YOU for winning the life YOU want
A short clip from Rochelle’s speech on EVERY DAY to Talk Shoppe group’s after hour Gold Medal Mindset event)
Success through consistent daily habits
Purpose, preparation, passion, and integrity
Motivation and perseverance
The importance of showing up and improving “every day”
What do you want to achieve in your life or your business? If you want to buy a home to call home, there are lots of smart mortgage programs that can be tailored to give you a favorable edge. Even if you start small, the sky is the limit when you work hard toward your vision and use smart financing to get you where you want to be quicker.
(Jo) Today on Real Estate Mortgage Shoppe we are talking about “How to Win the Race to Homeownership in 2026”
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
Pat Goldstein, Realtor with Crye-Leike Realtors 901 606-2000 https://patgoldstein.crye-leike.com/
Silvana Piadade, Realtor with EXP Realty 901 647-6661 https://findhomesinmemphis.com/
REAL ESTATE TIP OF THE WEEK
Pat Goldstein shares a 45-second real estate tip
Silvana Piadade shares a 45-second real estate tip
Jo Garner’s tip: When you are getting a mortgage and your loan is in process, do not have anyone check your credit. Do not open any new accounts. Do not add higher balances to your credit cards. Don’t move money around. Don’t change jobs or methods of getting paid.
Do you want to buy a house or refinance your mortgage but you seem to be hitting a barrier that is keeping you from moving forward? There are more creative solutions than you can count. You just need a real person to hear your story and take the time to help you set up your strategy.
Call or text me today at 901 482-0354 or go to www.JoGarner.com
ANNOUNCEMENTS:
Talk Shoppe equips with education, engages by offering connection opportunities between business people and empowers businesses in a supportive community. Talk Shoppe meets every Wednesday 9A-10A CT at Independent Planning Group’s conference room 110 at Clark Tower 5100 Poplar Ave 1st floor Memphis, TN
(Thank you Ben Hunter 901 660-2912 outstanding Financial Professional at Independent Planning Group for being Talk Shoppe’s location sponsor)
Talk Shoppe on Wednesday May 27th , 2026 9AM CT get together with other business people for the Mastermind Principle-based on the book Think and Grow Rich by Napoleon Hill.
Thank you to Dr. Rochelle Stevens Foundation and all of the athletes and their friends and family and the sponsors who are making the 36th Annual Invitational Track Meet at Memphis University School possible today, Saturday May 23rd, 2026 9AM to 4pm Go out and be part of the fun.
Thank you to the Talk Shoppe sponsors who worked to set up the Talk Shoppe vendor table and their contributions to making this event fun for everyone.
Chuck Bohannon, booking agent for Santa Claus 901 619-6436
Keith Potts, leader for Play Where You Stay, a youth soccer non-profit
Troy and Lynn McDonald of Erin McDonald Insurance Agency 901 849-7101
Mary Lou Nowak of Resource4Care.com
Thank you to our military veterans and the families who have sacrificed for our freedom. We honor you this Memorial Day
MAKE YOUR PLAN. LET’S WORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, DO IT TODAY.
Subscribe for weekly Real Estate Mortgage Shoppe podcasts with show notes at www.JoGarner.com
SPECIAL NOTE: REAL ESTATE MORTGAGE SHOPPE DOES NOT ENDORSE 100% OF THE CONTENT ON THIS EPISODE. REAL ESTATE MORTGAGE SHOPPE RECOMMENDS THAT YOU CONSULT WITH A FINANCIAL, LEGAL OR OTHER CERTIFIED, LICENSED PROFESSIONAL BEFORE ACTING OR INVESTING ON ANYTHING YOU HEAR OR SEE FROM THE CONTENT ON THIS SHOW OR BLOG POSTS. THE INFORMATION WE SHARE ON REAL ESTATE MORTGAGE SHOPPE IS GENERAL IN NATURE MEANT FOR GENERAL EDUCATIONAL PURPOSES ONLY, AND NOT AN OFFER TO LEND. EXAMPLES GIVEN FOR ILLUSTRATION PURPOSES ON REAL ESTATE MORTGAGE SHOPPE AND MOST ARE BASED ON TRUE STORIES BUT WE USE FICTIONAL CHARACTERS AND DO NOT DIRECTLY REFLECT REAL PEOPLE OR EXACT DETAILS IN ANY OF THE SITUATIONS. JO GARNER IS A LICENSED MORTGAGE LOAN ORIGINATOR. (EQUAL HOUSING OPPORTUNITY)
(The Auditory version of this disclosure is played during the show)
QUOTE CORNER Olympic Track Gold-Medal Champion, Rochelle Stevens “Every person has a lane with their name on it. Every person has a race to run.”
REJOINDERS:
1. Rob Draughon and Shelley Rothman of Griffin, Clift, Everton and Maschmeyer Law Firm 901 752-1133
2. Steve Richman, Genworth Private Mortgage Insurance Company North Carolina
3. David Corwin, USDA Rural Housing Loans Harrisburg, PA
Transitional Music: First Segment “WAAKA WAAKA” (PD) for Comic Queries; “Small Victories” by Allen McCool allenmccool.com for Did You Know segment; “Upbeat Inspiration” by Ikoliksaj for Insights and Inspiration segment.
INTRO AND OUTRO THEME MUSIC “Country Roads” by Sergie Pavkin
PICK UP YOUR COPY OF “CHOOSING THE BEST MORTGAGE-THE QUICKEST WAY TO THE LIFE YOU WANT” by: JO GARNER
An essential guide for real estate professionals and their customers.
On Amazon and Barnes and Noble
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REMOTE FROM THE TRACK MEET:
Chuck Bohannan, Booking Agent for Santa Claus in the MidSouth 901 619-6436
Mary Lou Nowak, Resource4Care.com (free education & resources for senior health communities)
Keith Potts, business coach and coordinator for the Play Where You Stay non-profit, helping fund kids to play soccer
ABOUT PAT GOLDSTEIN, REALTOR WITH CRYE-LEIKE
(901) 606-2000
https://patgoldstein.crye-leike.com
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)
ABOUT SILVANA PIADADE, REALTOR WITH EXP REALTORS
https://findhomesinmemphis.com
I moved from Houston Texas in 1997, I am originally from Latin America (Bilingual) fluent in Spanish. I have over 15 years of experience in residential real estate and hold several accreditations but for the purpose of this conversation: CDPE (Certified Distressed Property Expert, my forte in Short Sales. I earned my Broker’s license. My previous training in customer satisfaction comes from a background in the hospitality industry and most of my clients are direct referrals. I love music and good food. Why me? Because I listen, I care and I deliver.
Silvana Piadade, CRS, ABR, CDPE, MRP, CPRES
Broker
TN Company Lic# 257511
TN Agent Lic# 289316
EXP Realty
Cell 901-647-6661
www.FindHomesinMemphis.com
CB International President’s Elite Award 2015-2014
2016 Real Trends – Best Real Estate Agents in America
Client Reviews: https://www.zillow.com/profile/user8150076/#reviews
CONTACT INFO:
Cell 901-647-6661
Website: www.FindHomesinMemphis.com
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”