Repairs on your home that bring you greater value and quicker closings. Ed Hill of Masters Roofing and Tom King, appraiser with Bill King Company, offer a helpful checklist for maintaining your home. Tom King gives tips on saving money on repair re-inspections.
What do YOU want to accomplish with YOUR mortgage? Make your plan. Let’s make your plan. If the deal works for you today, let’s do it today. Connect with me online email@example.com or by phone (901) 482-0354. Get podcasts and show notes and a link to an online mortgage application at www.Jogarner.com
To listen to today’s show just click below!
To Your Success,
Jo Garner, Mortgage Loan Originator NMLS# 757308 (Equal Housing Opportunity)
iHeart Radio Host of Real Estate Mortgage Shoppe www.JoGarner.com
Author of Choosing the Best Mortgage-The Quickest Way to the Life You Want available on Amazon and Barnes and Noble
LET’S GET STARTED…
Good morning, Memphis! Welcome to our internet listeners and podcast listeners across the 50 states! You’re on Real Estate Mortgage Shoppe. I’m Ed Hill of Masters Roofing in Memphis guest hosting for Jo Garner, Mortgage Loan Originator. You can connect with Jo Garner at www.JoGarner.com (pronounced Jay-Oh-Garner-dot-com) You can connect with me, Ed Hill, at 901 273-6594. Our general topic is KEEPING HOME IMPROVEMENTS UP-TO-DATE CAN HELP YOUR HOME VALUE AND GET YOUR REAL ESTATE CLOSED ON TIME.
Subscribe to get our weekly blogposts with podcasts at JoGarner.com (pronounced Jay-Oh-Garner-Dot-Com) Call us while we are live today November 26, 2022 at 901 535 9732.
Our special guest on Real Estate Mortgage Shoppe today is Tom King, expert real estate appraiser with Bill King Appraisal Company. Tom has been appraising homes in Shelby, Tipton and Fayetee County TN for over forty years. Tom, with that kind of experience you have seen how real estate values move during a lot of different market conditions. Take a moment to introduce yourself and talk about the services you offer your customers. (Tom King has about 1.5 min to intro himself and talk about the services he offers)
(Ed) Ed gives an intro for himself and shares some from his topics.
Tom shares from some of his topics as Ed and Tom talk together.
You’re on Real Estate Mortgage Shoppe. I’m Ed Hill of Masters Roofing, guest hosting for Jo Garner, Mortgage Loan Originator. Jo would say, “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 ….(Ed gives a preview of what is coming up in the next segment)
2nd Segment following 9:15 Am break 9:18am to 9:30 am:
Ed Hill comes back in with something like: You are back on Real Estate Mortgage Shoppe. I am Ed Hill of Masters Roofing, guest hosting for Jo Garner, Mortgage Loan Originator. Connect with Jo Garner at JoGarner.com 901 482-0354 . Connect with me, Ed Hill at (901) 273-6594. Tom King, expert appraiser with Bill King Company is our special guest. Tom, how do our listeners reach you?
(Tom gives his best contact info)
(Ed Hill motions for Sherry to play the Talk Shoppe biz tip music)
Before we move back into our conversation with Tom King, I want to share something that Jo Garner, our regular host, shared recently with a business group. Here is some of what Jo said :
“No one knows exactly what the future will bring, but you can make some intelligent real estate decisions just looking into the past. Historically mortgage rates come down when inflation comes down. We are already seeing this happen with the recent lower inflation numbers. As a general rule, when supply is low and demand is high, prices go up. We are still in a situation where there are too few homes available for sale with a healthy demand continued to push home prices upward
If you can afford a home, let’s talk about your financing options. We can work with you online or by phone or in person—your preference.”
Connect with Jo Garner, Mortgage Loan Originator at 901 482-0354 JoGarner.com (pronounced Jay-Oh-Garner-dot-com)
TOPICS COVERED BY TOM KING OF BILL KING APPRAISAL COMPANY
(I never got any topics from TOM KING, but he can talk impromptu about anything dealing with appraisals
3rd segment 9:35 am to 9:45 Am: TOPICS COVERED BY Ed Hill of Masters Roofing
Sat November 26, 2022
THE BEST HOME MAINTENANCE IS PREVENTIVE MAINTENANCE!
Ed Hill, Senior Consultant, Masters Roofing Midsouth
How many times have you or I known about a minor home maintenance issue that we brushed off or worse, pretended not to see, that soon became a major home maintenance problem costing us hundreds or thousands of dollars? Too many to count.
Let’s make an action plan today to spot problems when they’re small so that they don’t become big.
Perform a home maintenance inspection of your home regularly
Note possible preventive maintenance issues such as missing shingles,
peeling paint, disconnected HVAC pipes, leaking gutters, continuously running furnaces or AC units, drafty windows, etc.
Make a priority list in order from most urgent to it can wait
Plan action steps to address each to find the reason why your furnace runs continuously but your home doesn’t warm up or call Ed Hill with Masters Roofing to check the storm damage on the roof to see it is repairable or if the roof needs to be replaced
Find the funding required to make needed repairs or home improvements by calling Jo Garner, Mortgage Loan Originator with Cardinal Financial to apply for a cash-out refinance to provide the money needed to solve the problems.
Set appointments with home maintenance professionals to remedy the problems and ensure that your home is in top condition!
Ed Hill, Senior Consultant, Masters Roofing Memphis, 901-273-6594 not only has been a homeowner since 1987 but has been in various sectors of the home maintenance and home improvement industry since 2001. With successful experience in home security, siding inspections, roof inspections, roof repairs and replacement, gutter system installation and interior/exterior painting, siding and energy efficient window installation, Ed has helped almost 1000 homeowners personally and hosts the leading home maintenance podcast in the Midsouth, MemphisHomeMaintenanceShow.Podbean.Com
After 9:45 AM break 4th segment : REAL ESTATE TIP OF THE WEEK ( Ed and Tom has about 1 min each to share a real estate related money-saving or time-saving tip):
Tip from Jo Garner:(read by Ed or Tom) These are still two of the most common calls I get these days. They sound something like this:
“ Jo, a need a strong mortgage preapproval letter to make an offer to buy a house. The payment works for me. The down payment works for me. I am super busy at work. What do you need from me? How fast can we close?”
Ed reminds listeners what Jo has said on previous radio shows Jo has said before she can work with you using whichever method works best for you. You can apply online and upload paperwork online too. You can also complete your loan over the phone or in person. Call Jo and she can make the process easy.
The other common call:
“Jo, we have racked up some credit card debt and owe quite a lot on a home equity line of credit on our house. It is costing us more as the payments go up on these loans. Can we look at refinancing our mortgage to roll in the home equity line and credit card debt? We would like to have all our debt on one fixed-rate loan. “
(ED) If you want to explore your mortgage scenarios with Jo Garner, connect with her today at JoGarner.com (pronounced Jah-Oh-Garner-dot-com) or call her directly at 901 482-0354
(Hint start announcements no later than 9: 52 am
4th segment: ANNOUNCEMENTS:
Talk Shoppe offers free networking & education to anyone interested in real estate or in business or in health and wellness. Talk Shoppe meets every Wednesday 9A-10A CT at Concorde Career College 5100 Poplar Ave 1st floor Memphis, TN (Clark Tower). You can also join the meeting on zoom. Go to www.TalkShoppe.com and click the Events tab for the link to get into the event online. This Wednesday January 4th, 2023, Shelley Baur presents “The Accountability Advantage.” Shelleybaur.com
Thank you to auctioneer Lance Walker of WalkerAuctions.com for a great job raising money for the Neighborhood Christian Center students at the Talk Shoppe Old Bag charity auction.
Thank you to Tim Gilliland of BackupRX.com for keeping our digital data safe at Talk Shoppe. If YOU want peace of mind knowing that if your computer crashes, you can retrieve your data with the click of a button. Connect with Tim Gilliland at www.BackupRX.com
2. Let’s get a good start on our new year 2023!
4. Subscribe at www.JoGarner.com and you can get our weekly blog posts with podcasts conveniently in your inbox.
5. 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 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. ALL EXAMPLES GIVEN FOR ILLUSTRATION PURPOSES ON REAL ESTATE MORTGAGE SHOPPE AND 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.
Pinterest : Homeowner says, “I thought I’d try my hand at doing some home improvements. The ‘improvement’ part seems to be the challenge”
Clint Cooper, Redeemers Group
John and Jennifer Lawhon Lawhon Landscaping
Sonia Balcer, Montrose CA
Transitional Music: “Boot-Scootin’Boogie (Instrumental)” by The Hit Crew; “Hillbilly Deluxe” by the Hit Crew; “Mr. Right (instrumental) ” by The Hit Crew ; “Taking Care of Business” by Bachman Turner Overdrive for Talk Shoppe Business Tip
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.
Now on Amazon and Barnes and Noble
ABOUT TOM KING, REAL ESTATE APPRAISER
Tom is a well- respected and sought after appraiser in Memphis, Tennessee. He is a second generation appraiser with 40 years of experience. He has been elected to the Memphis Area Association of Realtors Board of Directors three times.
Tom is a certified residential appraiser in Tennessee. He have appraised over 20,000 homes in his career. A graduate from the University of Tennessee with a degree in real estate, Tom is also a Certified Relocation Professional (CRP). Tom also has vast experience in dealing appraising real estate for pre-listing sales, cash buyers, divorce settlements, estate settlements. (901) 487-6989
ABOUT ED HILL OF MASTERS ROOFING
Ed Hill has been in the residential roofing industry since 2008 and has been Senior Consultant with Masters Roofing Memphis TN since 2010. He has personally assisted about 800 homeowners with roof replacement and many others with roof and exterior repairs. He is an active member of the Greater Memphis Business Network International chapter and is the official Masters Roofing consultant to TPC Southwind. He holds three earned degrees including a doctorate but tries not to let those get in his way of serving his customers! For free roof advice, free inspections, and free estimates and bids for roof replacement or roof repair call Ed Hill at 901-273-6594. Learn more at #EdHillMastersRoofing and at MemphisHomeMaintenanceShow.Podbean.Com
Ed Hill, Senior Consultant
2845 Stage Center Cove
Bartlett TN 38134
TN State Licensed Contractor #00067521/ Reciprocal Licenses MS & AR
BBB A+ Accredited Member Business
Platinum Preferred Contractor Owens Corning / GAF Master Elite Installer
Guild Quality Member / Angie’s List
You Tube Channel: Ed Hill Masters Roofing
ABOUT JO GARNER-MORTGAGE LOAN OFFICER:
WHAT DO YOU WANT TO ACCOMPLISH WITH YOUR MORTGAGE?
www.JoGarner.com (901) 482 0354 firstname.lastname@example.org twitter @jogarner NMLS# 757308
(currently working with Cardinal Financial Company, Limited Partnership NMLS #66247 equal housing opportunity 2645 Appling Rd 102 Memphis, TN 38133 ) Online loan application https://online.cardinalfinancial.com/#/p/apply/jogarner
www.cardinalfinancial.org for licensing info www.nmlsconsumeraccess.org/EntityDetails.aspx/company/66247 “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 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 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. 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 and Noble “Choosing the Best Mortgage-The Quickest Way to the Life You Want”