Parents, grandparents and their sons and daughters are often moving together under one roof for caring of older family members, companionship or for economic reasons. I will be sharing some stories from the mortgage desk of solutions some of my mortgage clients have used for financing.  Mary Lou Nowak of Mid-South Home Helpers and Brad Hyde of Mid South Health Systems will be sharing some helpful advice when it comes to giving care to a loved one.

What do YOU want to accomplish with YOUR mortgage? Let’s stay connected!  Call me at (901) 482-0354 or email    Subscribe to get weekly Real Estate Mortgage Shoppe podcasts with show notes at 

To your success,

Jo Garner, Mortgage Loan Officer NMLS #757308 Sierra Pacific Mortgage 46 Timber Creek Dr Cordova, TN 38018


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 Officer.  You can connect with me at   Our general topic is Intergenerational Bonding Trends-Resources for Housing, Financing & Caregiving. Today’s show is sponsored by real estate attorneys Rob Draughon and Shelley Rothman of Griffin, Clift Everton and Maschmeyer.  For your home purchase or refinance give Rob and Shelley a call at (901) 752-1133. Subscribe to get Real Estate Mortgage Shoppe podcasts with show notes at  Call us while we’re live today July 25th, 2020 at (901) 535-9732.

INTRODUCING MARY LOU NOWAK, MID-SOUTH HOME HELPERS (non-medical assistance in the home)

Back in the co-host chair we have Mary Lou Nowak of Mid-South Home Helpers.  We say, Mary Lou knows what to do when it comes to non-medical assistance for your loved ones to stay comfortably and safely in their own homes. You have shared some great tips on how to file long term care claims to prevent leaving thousands of dollars on the table too.   Mary Lou, take a moment and introduce yourself and tell us what Mid-South Home Helpers does for your clients.  (Mary Lou introduces herself and talks about the benefits of using Mid-South Home Helpers)

(Mary Lou introduces Brad Hyde with Arisa Behavioral Services) (Brad talks about what he does at Arisa Behavioral Health Care)

(Jo) The National Alliance For Caregiving and AARP recently stated, “Nearly one in five Americans or 17%  are giving care  for someone 50 or older.”The trend picked up during the Great Recission over 10 years ago and has been growing steadily with a bigger rise in  intergenerational bonding during the Covid-19 pandemic. 

 If you or someone you know has been exploring living arrangements for an aging loved one needing care or other situation where families are deciding to live under one roof, we will explore some housing and financing options available to you later in this show. Here’s a client story and the thought process they used to make the right decision when it came to where to live.

 Linda Lovelace’s story—Do You Love where you live and need to make changes but want to stay?

Portrait of Girl hugging her grandmother.

Linda Lovelace (not her real name) called me with this dilemma-should I stay or should I go?  Instead of downsizing after retiring, she invited her daughter and son-in-law to go in together to buy a larger home with a mother-in-law wing and sell Linda’s home.  The problem was that her daughter’s family really liked the old home place, its land and the pond and woods out back and the layout of the house. Ms. Lovelace had a licensed contractor come  and look at the feasibility and costs of separate living unit to the existing homeplace so that Linda could have her private space.  

They talked with a trusted realtor. Linda and her family consulted with their realtor and looked at other homes to buy and got estimates on what it would costs with money down and payments per month on other homes with the right layout and proximity to work and shopping and doctor’s offices. They compared these numbers to what it would costs to remodel and add the extra living space onto Linda’s existing home.  The decision ended up being to make the modifications to the home and for everyone to live in a remodeled existing home instead of moving.

Here are some questions to ponder if you are trying to decide to stay in your current home or stay in your parent’s current home and remodel it to fit the new living situation OR if you should buy a different home already more suited to your new lifestyle living with parents and grandparents or with your parents and grandparents living with YOU.

Does the layout of your home work well for you and your family?   Are you in close proximity to  people and places that make living in your current location convenient?  Do you have a good relationship with your neighbors?

What would it cost to remodel vs buying a different home to meet your changing lifestyle needs once your other family is living under the same roof with you.?  Will the covenants and restrictions and zoning in your area allow you to make these changes to your home?  What about

What do YOU want to accomplish with YOUR mortgage?  Make your plan. Work Your Plan.  If the Deal Works for your today, Let’s do it today.  Call me at (901) 482-0354 or email

We will get back to more financing options and stories later in the show.   Let’s talk with Mary Lou Nowak of Mid-South Home Helpers where they offer non-medical assistance in the home and with Brad Hyde Community Liaison Director at Mid-South Health Systems to share some of their wisdom on the care-giving aspect of intergenerational bonding.  (Mary Lou and Brad talk about the power of being connected to a wide variety of professionals in the Professional Network on Aging, Talk Shoppe and other agencies.  If Mary Lou or Brad cannot offer a service to a client who needs something unique, the connections that Mary Lou and Brad have developed can get their clients with the services they need )

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? Make your plan. Let’s work your plan if the deal works for you today, let’s do it today.   When we come back Mary Lou Nowak and Brad Hyde will be sharing more wisdom from the caregiving side.  See you back in just a moment.


2nd segment 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. Talk  Shoppe is made possible by the financial support of its sponsors and advertisers. For more about Talk Shoppe, go to (shoppe)  For our Talk Shoppe Business Tip today we have Talk Shoppe sponsor Genell Holloway of Health Benefits Plus.   In her role as a Benefits Consultant, Genell is passionate about helping individuals be better prepared for those difficult times in lifeGenell Hollway of Health Benefits Plus,  what is our Talk Shoppe Business Tip for Real Estate Professionals today?     (Genell Holloway has about 1.5 minutes to share some budgeting tips )

Genell Holloway, how do we contact you?  (901) 270-1127

Tip 1:

Whether your loved one is battling a terminal illness or not, we all know the reality is that we are aging every day.   There are some steps we can take in advance to make the aging process easier for our family.  There are legal documents that must be put in place that designate who has the authority to make decisions on your behalf as well as let you know what your wishes are.   You need to have a will or trust, medical directives that say who makes decisions on your behalf when you are unable to do so, as well as financial directives.   You need to make a financial plan to cover all these expenses along the way.

Having that difficult conversation now will make the journey so much easier.  When my husband was first diagnosed with his terminal cancer, we sat down and talked about what quality of life meant to each of us and how we wanted to move forward with the plans from being able to die at home to planning the funeral service. We also got our legal documents and financial affairs in order.  I have complete peace of mind knowing that I’m carrying out his wishes as we move through the different stages of life.


  1. What are the four factors to help determine if your loved one is still safe to live independently or if home health care is needed?

Noticing the need for help when visiting elders at the holidays and the four key factors that influence independence by Home Helpers.             

Noticing the need for help while visiting with elders during the holidays The holidays are a seen for a time of joy. But often under-discussed is the reality that comes  along with visiting loved ones who are aging. Many times, visits home leave relatives with wonder if their aging loved ones are losing their ability to live independently. I am (insert name) I run the local home helpers office. As someone who works with families each and everyday, I wanted to share some key signs that can help you  or others notice the need for additional support.

How to determine the need Today I plan to share with you the four key factors that help determine if your loved one is still  safe living independently or if senior home health care may be needed.

Four Key Factors Influencing Independence  Those for Key factors include: physical appearance, memory, motor skills and mood.

Physical Appearance How is your loved ones’ personal hygiene?  Do you notice any significant weight gain or loss?  How is their home – consistent with how they have always maintained their living space?  Do you notice any bruises or cuts? 

Pride in personal appearance can be one of the most telling early sign that a loved-one is changing and can be symptomatic of mood issues and/or other physical limitations that may be  occurring. 

One of the most obvious signs of ill health, either physical or mental, is weight loss. The cause could be as serious as cancer, dementia, heart failure or depression. Or it could be related to a lack of energy to cook for a loved one or just themselves, the waning ability to read the fine print on food labels or difficulty cleaning utensils and cookware. Certain medications and aging in general can change the way food tastes. If weight loss is evident, talk to your loved one about  your concern and schedule a doctor’s visit to address the issue. Evaluating how they are maintaining the cleanliness of the home is also critical. Dust, dirt, and  other issues effect seniors with respiratory ailments and make recovery from illness harder. Look for bruises and cuts, this can be evidence of falls and symptomatic of other health issues.  

Memory Is your loved one remembering things accurately?  Is your senior alert and actively involved in conversations? Memory loss is often one of the first signs of dementia. Initially, memory lapses may be mistaken for the normal forgetfulness that often increases as people grow older or when they become very stressed. However, in someone with dementia it will gradually become apparent that the memory problems are becoming more severe and persistent. They will also be accompanied by changes in thinking and feeling that make it more difficult to cope with  everyday life.  If the person’s forgetfulness could put them at risk in any way, you may need to take precautions that can help them live safely. These might include leaving a written reminder by the door so that they don’t forget their keys when they go out. Or it could mean fitting a device that cuts off the gas supply if they put a pan on the stove and then forget about it. It may mean  providing the senior with a personal alert system.   Memory issues can be one of the most difficult to talk to your senior about. Remember to be  patient, looking for ways to help them cope, safely with these changes.

20% of seniors are dealing with memory loss, impacting their ability to live safely independently. You may not realize that one in five seniors are currently dealing with memory loss, at a level that impacts their ability to live safely on their own. That is what makes this such an important  factor.

Motor Skills Do you notice your loved one struggling with tasks that are usually simple to execute?  How is their balance?  Are you aware of any falls? 

Each year, 2.5 million older people are treated in emergency departments for fall injuries.  1 out  of 5 of these results in serious injury. Recovering from a fall can be challenging and cause long-term detonation of health. Sadly, many seniors become embarrassed to admit they’ve fallen and work to hide it from loved ones. Looking for balance issues, removing obstacles and decluttering the home as well as determining if a fall monitoring system may be easy ways to maintain safety and independence for your senior. 

Mood Does your loved one seem happy?  Do you notice any drastic mood swings?  Do they have enough interaction with others to keep them happy and engaged? 

Over 16% of seniors are dealing with depression. Sadly, up to 90 percent of people who suffer from depression later in life don’t receive adequate care, with 78 percent receiving no treatment at all. Elderly patients diagnosed with major depressive disorder (MDD) spend nearly twice as much on health care as those without the disease. Companion care can be a simple  way to help seniors feel connected – through meanin gful daily interaction.

  •  Talk about some of the government statistics for the number of senior aged people who need care vs the number of them actually receiving help. 91.9 million people will travel home for the holidays. This year the AAA estimates 1 in three people will be traveling home to visit relatives over the  holidays.

  According to the US Government, 70% of adults 65+ are currently in need of some type of inhome care. The US government estimates that 70% of all adults 65+ are currently in need of some type of in home senior care. Sadly only about 10% of those are receiving this care. Often, because the  signs that more assistance go unnoticed.

  • What to you do if you notice a change for the worse when you visit your loved one? Those four factors are a simple place to start. In the event that you notice a change, what  should you do?

If you’ve noticed the need… Begin to keep a list of observations.  Begin to research.  Begin the conversation. Start capturing your observations. This way you can accurately talk to others about what you  are seeing and you can more accurately determine wh at changes have occurred.

Begin to research. Take some time to develop a list of options, so that you’re prepared in the event your loved one’s care needs escalate and help is needed. It’s better to be prepared than to scramble at the last minute. Preparedness makes it easier for the senior as well as the family to accept help. Determine if local home care agencies can help. Can they do as little as a couple hours a week, do they offer any kind of monitoring services, what can they do to help retain  independence at home.  Have the conversation. Instead of surprising your loved one with the suggestion that they receive extra care, warm them up to the idea early on. That way, they will be more open about  the option because it won’t seem so foreign. 

If your loved one or someone you know could use help, I am happy to help.  


  1.  What are some good rules to live by when it comes to keeping peace and harmony in a mixed household? 
  2.   What signs should we look for that there are some problem with emotions or the relationships.  What can we do to help? 
  3.     Brad describes the importance of caregivers recharging themselves emotionally in order to serve better the people for whom they are caring.   

Brad compared the habit of recharging emotionally like recharging our cell phones     You don’t just recharge your phone right before you know you are going to be on a call.   If you did that, you would always be stressed out wondering if your phone would die in the middle of the call. You would be trying to hurry through the call to prevent your phone running out of juice. 

Recharge yourself fully and completely to be at your optimum.



  1.  What are some common real estate financing program you use when working with an aging family members?
  2. The one mortgage program that comes to mind often is the Reverse Mortgage for homeowners or home buyers over 62 years of age.  The homeowners does not make payments on the reverse mortgage.  The bank can pay them a lump sum of money depending on how much equity they have build up in their home.  Or the homeowner can receive payments from the bank each month. Or they can get a combination of lump sum money and get a monthly income. In many cases the homeowner uses the Reverse Mortgage like an equity line of credit.   The Reverse Mortgage has some protections for  homeowners that have been added in the last few years.

There are advantages and disadvantages using the Reverse Mortgage. The disadvantage is that it eats up a good chunk of the equity in the house for lender’s costs.  If you do not have a lot of equity built up in your home or you have other options for achieving your financial goals, the Reverse Mortgage may not be for you.

If you are sitting on a paid-for house but have no other investments to help you achieve your financial needs, then the Reverse Mortgage may be for you.   

Before you talk with a reverse mortgage loan officer, government guidelines require that you first consult with a HUD approved Reverse Mortgage Counselor.   You can find a reverse mortgage counselor by calling 1-800-569-4287 or going to www.HUD.GOV and searching under “reverse mortgage counseling.” It is advisable to also consult with your certified financial planner or other certified financial consultant.

Depending on how long you plan on living in your home and the amount of equity you have in your home, the next step is to determine which type Reverse Mortgage is right for you.  Here are a few of your options:

  •       When you need the largest possible initial or future credit line, like a lump sum               of cash or a credit line that could offer you the cash in the future if you need it.
  •       You could set up the plan for getting the largest possible monthly payment for as long as you live in the house.
  •      You could arrange to get as much cash as possible, at closing or after 12 months.
  •    Reverse mortgages can be used to purchase a house with the smallest possible cash outlay.
  •    Reverse mortgages can be used to pay for help in the home or for long term care policies.

The reverse mortgage program is not for everyone.  Generally speaking, if you are    over the age of 62 and have a home with a large amount of equity in it and no other options to take care of your cash and income needs, the Reverse Mortgage may be for you.  

If you can reallocate your assets and investments to get the cash or income you need without having to get a Reverse Mortgage, that might be better.  Reverse mortgages can eat away a significant amount of the equity in your home because of the high cost to do them.

 If you have family that you would like to inherit your home, you may not want to encumber the home with a Reverse Mortgage.  There are some alternative solutions that could allow you or your family member to get a Reverse Mortgage and still provide a way for the family members to pay it off when needed.

     Here are some other sites that offer information about reverse mortgages: (this site offers an online reverse mortgage calculator)

  •   Here is an example of how a grandma and grandpa used a reverse mortgage on their primary residence to purchase a second home several miles away so they could spend 4 or 5 months out of the year near their children and grandchildren

Carter and Claire Caldwell story–  Bounding over Barriers To Be With The Grandbabies

What about making your home pay YOU back? Have you considered a reverse mortgage if you are over 62 years old?

Here is a brilliant idea from one of my past “rock star” mortgage clients.  Carter and Claire Caldwell were both over 62 years old.   They loved their home next to the lake and their longstanding neighbors and friends.  But, the Caldwell’s yearned to spend time playing with their toddler grandchildren who lived several hundred miles away.   These grandparents were motivated to financially mastermind a way to get a second home near their grandkids.  Want to know their brilliant idea????

Since the Caldwell’s  were over 62 years old and they had paid off their mortgage early, they applied and got a Reverse Mortgage.    The  Reverse Mortgage on their primary residence was now paying them each month, so they had the income to afford to spend a five whole months at a time playing and making memories with the grandkids. If you want to see STUNNINGLY BRILLIANT strategy, observe what happens when grandparents are determined to spring themselves across the miles to hold their grandbabies in their laps.What do YOU  want to accomplish with YOUR mortgage?  Let’s explore some    options you have today while rates are at around a 50-year low.  Call me at (901) 482-0354  or email me at

 At some point in a person’s life they discover they need to restructure their mortgage financing. For example, now that they are retired with a lesser income, it may be more comfortable to go back to a lower mortgage payment on a 30 year term rather than the higher payment on the 15 year plan.  Some of my clients need to refinance their home and combine the variable interest rate second mortgage home equity line of credit so that the entire house note is protected on a fixed mortgage rate instead of a rate that could take the payment higher and higher with no safety caps.

  Let me share a story with you of some beloved clients, whose needs changed over the 20 years on the type mortgage terms they needed.

Harry and Helen Harlington- Structure your mortgage financing with your other family member interest in mind

Harry and Helen Harlington committed many years ago to put others first, including their own family members.  Time after time financial challenges, physical illnesses and other of life’s storms tried to blow this family off course.   Each time the Harlington’s regrouped and continued to put other’s interest first.  This forced them to think of creative solutions and take action. 

The first time I met Mr. and Ms. Harlington was about 20 years ago when they were buying a home.   They wanted a 30 year fixed rate mortgage so that they could afford to help their children who were finishing up college.  The Harlington’s set up a system to make extra payments to try and pay off the mortgage early.

Then mortgage rates dropped. Mr. Harlington and I explored some refinance scenarios with a much lower mortgage rate than he was currently paying and on a 15 year term, which would automatically eliminate over 5 years off the mortgage.  Mr. Harlington could do long math in his head.   Before I could print out for him the benefits of cutting the interest by over a point and dropping over 60 payments off the loan payoff, he already had calculated the tens of thousands of dollars his family would get to keep in their pockets if he cut the rate AND the term on his mortgage.  We did that refinance with him and his wife walking away with bragging rights

A few years later Mr. Harlington called  me with some very bad news he had received from his doctor.   By this time the shorter 15 year mortgage term had allowed him to significantly pay down the balance on his mortgage.  He had saved a LOT of money doing this.

But, true to his  commitment to put others first, he gave up his desire to pay off the mortgage completely, and instead, we looked at taking the smaller balance left and refinance to a still low rate but longer 30 year term.    The payments would BE drastically lower than he was paying so that, if he should pass away before his wife, she would be able to easily make the payments on the remaining mortgage and leave plenty in the budget to pay for her personal care and keeping up the house.

Over a 20 year period, the Harlington’s saved tens of thousands of dollars on what they paid on their mortgage by taking advantage of rates when they could refinance to lower interest expense.  They also saved thousands by eliminating years off their original mortgage.  

 What are some other sources of cash or financing options for retired borrowers?

  1. Home Equity Line of Credit if it is affordable and small enough to pay off quickly if the interest rate begins to climb.  Home Equity lines are great for fixing up the home and doing maintenance. If you have a house with a lot of equity that you would like to sell, but you need to buy your new home before you can sell the old one, you can use a temporary equity line of credit secured on the old home to access the cash you need for a down payment on the new home.  When the old house sells, you can pay off the Home EQUITY Line of Credit and then the house you just purchased with the credit line money is free and clear or just has a very small loan balance on it with a small payment, just like it would have been if you had sold your old residence first. 
  • Other Financing in some situations can be used when older citizens buy a bigger house so they can live with their other family members.  Or they down size to simplify and enjoy life a little more.   I’ve had some of my older customers call and say, “Jo, I’m 80 years old.  Would you lend an 80 year old person a 30 year loan?”  The answer is YES.  Lenders are not allowed to discriminate based on the age of the borrower. So regular mortgages of many shapes and sizes are available to the older clients.

There is a special mortgage program called the Family Opportunity progam through Fannie Mae, one of the largest mortgage buyers in the country.  This program, under certain documented conditions will allow the son or daughter of an aging parent to purchase a home for that parent who cannot qualify by themselves.  The son or daughter does not have to live in the home and can buy, with favorable mortgage terms as if they were owner occupants, even though they will not be living there and the parents do not have to be on the loan either. 

Ask me more about this program after the show.

  • Other sources of financing can come from surprising sources like a cash value on a whole life insurance policy.  There are still other places we can go treasure hunting together.  Call me personally and let’s talk about YOUR options   (901) 482-0354  or connect with me at

REAL ESTATE TIP OF THE WEEK (Genell Holloway of Health Benefits Plus shares a tip )

Tip 2: From Genell Holloway from Health Benefits Plus:

There are products to help ensure that our loved ones have the financial means to cover their expenses as they age.  The younger we start this process, the more likely we are to be financially prepared.  It’s been my experience, that most of us want to stay in our home as long as possible.  Having a financial plan in place with the right products will help ensure that we can honor the wishes of our loved ones.

Because we’ve had that difficult conversation to understand what our loved ones want, it makes every decision so much easier.  I know we said this earlier too, but peace of mind comes from knowing what they want.  So, please sit down today, and discuss your wishes.  Take action today!

Another thought……..we don’t have to make every discussion a battle.  As long as we know what the overall wishes and desires are, we can better pick and choose what battles we take on.   Most of the things we often focus on are not really all that important in the big scheme of life.   If we have financially prepared ourselves and shared our wishes with the right people, there’s a peace of mind that is absolutely priceless.


Talk Shoppe offers free networking & education to anyone interested in real estate or in business and health and wellness. Talk Shoppe meets every Wednesday 9A-10A CT virtually on zoom . Go to (shoppe) and click on the Upcoming Events tab.  The online site to join us at Talk Shoppe is right there. This Wednesday July 29th, 2020 come join fellow business people for the Mastermind Principle based on the book Think and Grow Rich by Napoleon Hill.    Share ideas, referrals and resources with other business people in small groups.

Talk Shoppe events are free thanks to sponsors like Leah Anne Morse of All Things New-helping organize for downsizing or family changes.   Leah Anne Morse organizes homes, the move and estate sales too.  Contact Leah Anne at (901) 488-9733            

Thank you to Bill Emmerling of Vista Points for financially providing Talk Shoppe’s education and networking to our business, real estate and health and wellness businesses and professionals   Talk to Bill today about setting up a special needs trust to care for a loved one. It’s peace of mind for you today and caring provision for your loved one later.   Contact Bill Emmerling at (888) 422-4076

2.  This episode of Real Estate Mortgage Shoppe was sponsored by real estate closing attorneys Rob Draughon and Shelley Rothman of Griffin Clift Everton and Maschmeyer.  When you are ready to buy a home or refinance a home, give Rob and Shelley a call at (901) 752-1133.

4. Subscribe at and you can get our weekly blog posts with podcasts conveniently in your inbox.   




Readers Digest “I’ve learned that the best time to debate family members is when they have food in their mouths.”



  1.  Greg Inman of Next Day Access in Memphis, TN (901) 617-4675 providing wheelchair access ramps, grab bars, stair lifts making home safe and accessible to your aging or handicapped loved one
  2. Jackie Woodside author of Calming the Chaos from Marlborough, Massachusetts
  3. Miranda Griffin,   Improving Lives One Step At A Time

Transitional Music:  “We Are A Family” Sisters Sledge; “Our House” by Crosby Stills Nash and Young; “Home” by Phillips Phillips; “Taking Care of Business by BTO for Talk Shoppe Business Tip For Real Estate Pros

This picture picked up off the cutting room floor (just for our listeners and other friends to see what really happens when radio guests are misbehaving—ha ha)



Genell Holloway, Vice-President, Health Benefits Plus where we help individuals and business owners put the plus sign in your bottom line.  Genell has served in various roles in the healthcare industry.  She is a caregiver for her husband who is battling cancer as well as her aging parents.  In her current situation, Genell is an advocate for helping her husband to accomplish his goal of living the quality of life he desires as well as helping her parents to get the resources they need to age in place at home.   

Genell has been a resource for many people in her circle helping to connect the right people to help those in need from those needing adult day care services to helping with final arrangements. 

In her role as a Benefits Consultant, Genell is passionate about helping individuals be better prepared for those difficult times in life.  One can count on Genell to help them find solutions that best fit their budget and personal situation.    From health insurance to supplemental insurance to life insurance that include riders that help one to be better prepared financially for those health crisis moments that occur as we age, Genell has the knowledge to help.

Call Genell at 901.270.1127 for further information.


Mary Lou Nowak, managing partner of Mid-South Home Helpers and serves as Vice President of Marketing and 2018 Professional Conference Chairperson of Professional Network Of Aging.   She  is a professional who began client care at a 500 bed community hospital in 2001 and since, while working with seniors and their families as owner of Home Helpers became an expert in expediting long term care insurance policies saving families thousands. 

Home Helpers – (901) 414-9696


Community Liasion Director for Arisa Health

Arkansas Largest Behavioral Health Care provider 

27 years in mental healthcare. Worked in Arkansas,  TN, Mississippi  and Missouri.  I have been a speaker to groups on 3 contients: N America, Europe & Africa



WHAT DO YOU WANT TO ACCOMPLISH WITH YOUR MORTGAGE?    (901) 482 0354  twitter @jogarner  NMLS# 757308 (currently working with Sierra Pacific Mortgage, Inc)

“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 25 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 25 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.  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