"Like the Wise Farmer, You Can't Control Seasons—But Look How Others Are Preparing for a Great Harvest in Real Estate "

“Like the Wise Farmer, You Can’t Control Seasons—But Look How Others Are Preparing for a Great Harvest in Real Estate “

Get some ideas and tips for making the right moves in this 2026 summer real estate market. Get some wisdom on mistakes to avoid when you are buying a home or getting a mortgage.

Host: #JoGarner #MortgageLoanOfficer 901 482-0354

Co-Host: #AllenMcCool #memphisAppraiser Stephenson & Associates 901 763-2100

Feature: #GayStreaterYoung #midsouthrealtor EXP Realty TN & MS 901 581-6118

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

#realestatemarket2026 #mortgageloan #homebuyer #memphisrefinance #homeappraisal #realtor

LET’S GET STARTED…(Jo) (Good morning, Memphis! Welcome to our internet listeners and podcast listeners across the 50 states! . Today is August 1^st, 2026. I’m your host, Jo Garner, Mortgage Loan Originator. You can connect with me at www.JoGarner.com. Our general topic is “Like the Wise Farmer, You Can’t Control Seasons—But Look How Others Are Preparing for a Great Harvest in Real Estate “

(Jo) Even though our family lived in the suburbs when I was growing up, we farmed on the weekend a few miles away at my grandparents’ place. My parents and grandparents taught us joy and pride of hard work and a job well done. We learned about the whims of weather and how to pivot to creative methods to save the crops. The scripture from Ecclesiastes comes to mind. “To everything there is a season, and a time for every purpose under heaven.” But before you feel too sorry for me having to work so hard as a child, I have to confess that after lunch, our parents let my sister and I go play with our ponies and my lean-to hideout in the woods. Life wasn’t too bad.

“Farmers understand something that applies perfectly to today’s real estate market. They can’t control the rain. They can’t control drought. They can’t control crop prices. Yet year after year, successful farmers continue to prosper because they prepare, plant, adapt, and eventually harvest.

Today’s housing market works much the same way. We can’t control mortgage rates, inflation, or economic headlines—but we can make smart decisions that position us for long-term success.”

Introducing Allen McCool, Appraiser with Stephenson and Associates

Allen McCool, our expert appraiser from Stephenson and Associates is back in the studio. Allen you have seen a decades of seasons with our Mid-South real estate market. You have a lot of wisdom like the farmer does on where our home values are and some details on types of transactions trending. Please take a moment and introduce yourself to our new listeners. Talk about the types of appraisal services you offer at Stephenson and Associates. (Allen McCool has about a minute and a half to intro himself and talk about the services he offers his clients )

(Jo) The mortgage market like the stock and bond markets are like Memphis weather-up one day and down the next. This week the Federal Reserve decided to keep their rate steady, but the bond market which drives mortgage rates disagreed. We have been seeing several knee-jerks in the price of mortgage rates, largely based on the price of oil. Since mortgage rates are back like a year ago in the mid to upper 6’s, this has presented some excellent opportunities for home buyers and first-time homebuyers who come out ahead when the sellers can help them pay some of the closing costs and do a few repairs.

When mortgage rates are low, buyers have to compete with other buyers clamoring to buy the same house, pushing the home prices higher. When the seller has multiple offers to choose from, they tend to pay less toward buyer’s costs or none at all. Especially for first-time homebuyers who need to buy a home with nothing down, having the special down payment assistance programs coupled with help with costs from the seller, helps buyers get in for little or nothing. They can keep their savings for spend on the move and decorating the house to their taste.

Other people get a mortgage and leave the closing table with plenty of bragging rights are the homeowners who refinance their home and include very high interest rate credit cards and other debt into the new single-digit mortgage rate loan. I have seen these refinance customers free up several hundred dollars per month, which can change their quality of life. When we can, we set up a prepayment plan so the new mortgage can get paid off early without a strain on the homeowner.

Mortgage Customers Making Winning Smart Moves In This Economy

Stephanie Step-Up If you can’t afford the big house that you want today, buy a smaller home to sell later as a first-step toward getting your bigger forever home.

Hard Money Harry Get a hard money loan from a private lender to buy a fixer-upper home with funds to renovate the home to use as rental property. Let me refinance the temporary hard money loan when the renovations are complete. Do a cash-out refinance to pay off the hard money loan and get some cash to go buy your next rental income property.

Frankie First-Time Home Buyer- Frankie is tired of paying rent and ready to forge his own better future. He has okay credit but not a lot of money to put down. Frankie qualifies for a fixed-rate government-backed loan with down payment assistance. Every time Frankie makes a mortgage payment he is building equity and wealth by owning his own home.

Stay tuned for ideas on moves to make and mistakes to avoid. We will be sharing some stories of people who are taking the advantages where they are right now. What do YOU want to accomplish with YOUR mortgage? I will take the time to listen and help you find the right mortgage to give you bragging rights. We have some systems in place to make the mortgage process EASY. Connect with me for your mortgage at JoGarner.com .

(Jo) Allen McCool, our appraisal expert with Stephenson’s & Association, what are some observations you see? (Allen has about 3 minutes until break to launch his topics)

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 Realtor/Broker Gay Young of EXP Realty will be joining us after this ad break. 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

- (Jo) Riddle #1: Why did the scarecrow win the top farming award?

(Allen) ANSWER: Because he was outstanding in his field

(Allen) Riddle: A farmer digs a hole 3 feet deep, 2 feet wide, and 2 feet long to plant a tree. How much dirt is in the hole?

(Jo) Answer: None! (It is a hole, so the dirt is gone).

•

(Jo) Today on Real Estate Mortgage Shoppe we are talking about “Like the Wise Farmer, You Can’t Control Seasons—But Look How Others Are Preparing for a Great Harvest in Real Estate “

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

Allen McCool, Appraiser with Stephenson & Associates 901 763-2100

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. Talk Shoppe is made possible by the financial support of its sponsors and advertisers. For more about Talk Shoppe, go to www.TalkShoppe.com (shoppe)

For our Talk Shoppe Business Tip today we have long-time MidSouth realtor and broker Gay Streater Young of EXP Realtors. Gay Young, real estate is your passion. You focus is giving the best service to the people you help with buying a home and selling a home. You are a mentor to many other real estate professionals too. Gay Young, what is our Talk Shoppe Business Tip for Real Estate Professionals today? (Gay Young has about 1.5 min to share her tips )

Gay Streater Young, what is your real estate tip?

EXP REALTY IN TN AND MS- REALTOR GAY YOUNG 901 581-6118

Gay Streater Young’s tip:

The Mid-South real estate market is hyper-local. Some areas are getting multiple offers on the properties for sale. Other areas are moving slower. Most important if you are a buyer—be prepared like the farmer. Be preapproved with a lender and know what your payments and move-in costs will be for the homes in the price ranges you want to buy.

____________________________________________________________

TOPICS BY ALLEN MCCOOL, APPRAISER WITH STEPHENSON & ASSOCIATES

Allen covers his topics

The plateau of latent potential is a concept popularized by author James Clear in his book Atomic Habits.

Jo, Gay, and I have the pleasure of seeing the results of good decisions and good habits, but we see them at the point down the road at which those culminate in a beneficial financial outcome. The results we see did not happen overnight.

For example, we see a transaction where someone who has owned a home for 10 years, and now has a sizeable equity which he using as a large enough down payment to keep his monthly outlay reasonable, as he sells the home and purchases a larger home. And then the growth continues.

However, at the beginning, the gains are small. In the short term, they may even fluctuate.

If you were to graph your gains from an investment in the stock market, for example, the line would look like a drooping curve at the beginning. This is referred to as the valley of disappointment. But that curve points upward at an increasing rate over time.

We expect a straight line, but the line sags at the beginning. The big gains happen later.

The same thing happens if you try to learn to play a musical instrument, for example. You work at it, and you see very little improvement at first. That’s why people give up on new things so often, because they think their time is being wasted.

It may be that buying a home is not feasible at the present time, for any number of reasons. A down payment may not be affordable, earnings may not be enough to qualify. Renting may make sense for a time. This is a great time to start the atomic habit of saving and investing. Concentrate on the discipline of saving, and only track the results over mid to longer periods.

Before you know it, a small home with the features you want might come within reach. And you move closer to the rising part of the curve. Start putting away money as early as you can. The results will not be drastic or even linear at first, but your efforts are not wasted, they are simply being accumulated.

Focus on systems, not goals. Use habit trackers, journals, or calendars to trigger the satisfaction that you are putting in the work.

3^RD SEGMENT 12 minutes

( Small Victories song by Allen McCool playing in background)

For Did You Know today…(see if you can guess the answer before we do)

Question: What is the name of this well-known farm in the Memphis area?

(Gay Young) Hint# 1: One of the nation’s largest urban parks—was originally a massive, self-sustaining working prison and penal farm envisioned by political boss E.H. Crump in 1918. Started in 1929: The county began operating the large agricultural penal farm as an alternative to the collapsed convict lease system

(Gay Young) Hint#2: Self-Sustaining Operations: Incarcerated individuals worked the massive acreage, raising prize-winning cattle and hogs and growing heavy crop yields. The food grown on the farm fed the inmates directly, and surplus sales generated profit for the local county government. Operations wound down by the 1960s and today it is a park. What is the name of this park today?

Allen ANSWER: Shelby Farms

(Jo) Today on Real Estate Mortgage Shoppe we are talking about “Like the Wise Farmer, You Can’t Control Seasons—But Look How Others Are Preparing for a Great Harvest in Real Estate “

Allen McCool, Appraiser with Stephenson & Associates 901 763-2100

Gay Streater Young, Realtor with EXP Realty 901 581-6118

TOPICS COVERED BY JO GARNER, LICENSED MORTGAGE OFFICER

Ideas on Moves to Make and Mistakes to Avoid

Save yourself the heartache of finding a home to buy that you can’t live without before you calculate how much you can COMFORTABLY afford. Instead review your last 6 months bank statements and credit card statements to see how much money did you deposit and how much did you spend. Where can you cut back on your expenses or substitute something else in its place that cost you less? There are ways to rearrange some of your debt to make more room the house payment on the home you love.
Don’t empty your pockets and your bank accounts to buy a home. How much money can you pay down on the home purchase and still leave an acceptable amount in my emergency fund? There are several down payment assistance loans for first-time homebuyers AND people who are NOT first-time homebuyers. We can look for special loan programs that help you get into your home for very little down payment.
I take some extra time with my mortgage customer to explore other products that can lower your closing costs and even lower the payment per month.
Can you close my loan by the contract date? Our team tries to communicate to you and your realtor the amount of time needed to process and close on certain loan programs. Most programs can be closed within less than 30 days. There are some exceptions though.
What funds do I need to pay upfront? Make sure you can pay the small earnest money when you make your offer to the home seller. You will probably need about $300 or so to pay a home inspector. Then there is the mortgage appraisal. Usually you can pay for the appraisal with a credit card. The appraisal us usually over $500 on loans that require appraisals.
Is my mortgage rate a fixed rate or adjustable? If it adjustable, tell me about the safety caps on the rates moving up and down
Will my credit score prevent me from getting a better mortgage rate? If so, what steps can I take to improve my credit score?
What documents do you need from me to get my mortgage approved? Scan these income documents and bank statements and a few other items to your mortgage officer so you can get your lender letter upgraded from a simple prequalification up to an approval from the underwriting department. A preapproval letter will get you more favor when you are making your offer to buy the house.

Review Your Loan Estimate and Your Loan Application Before You Sign

Don’t make the same mistake this next couple made. Check out the information you give your mortgage officer to make sure the details you include on the mortgage application is correct. Janice and Jerry had been married a few years and finally gotten tired of paying rent. Mortgage rates had been going higher and so had the prices on homes. Janice and Jerry decided if they kept waiting for rates to go down, they would not be able to afford the higher prices on homes. Janice worked during the day and Jerry worked at night so it was hard to get the two of them together to complete the loan application and go over the payment and down payment information.

To speed up the loan process, Janice gave the loan officer all the information they needed on her and her husband. The loan was preapproved and they got their offer accepted on the house they wanted to buy.

The loan officer sent to the couple the official loan costs estimates and the loan application to review for accuracy and e-sign. Janice reviewed them and e-signed her part. She instructed Jerry to review and e-sign his part when he got home from work . By that time, she had gone to sleep for the night

Things moved fast and it was finally close to closing day . Moving vans were lined up and everyone was set to close very soon. When Janice and Jerry got the official Closing Disclosure from the lender, Jerry read through the papers and said, “ I can’t sign these. This shows that I am a Junior and I am NOT a Junior.”

“But honey,” his wife said, “your whole family calls you Junior and your dad’s name is Jerry too.”

Jerry admitted that he did not review closely the Loan Estimate and Loan Application, assuming his wife had reviewed all of it, so he did not notice that his name as listed incorrectly.

Luckily they still had a few days to close without losing the house to someone else. The mortgage company made the correction. A new credit report had to be pulled with Jerry’s correct name and they were able to close. Good thing their credit scores were still at an acceptable level, otherwise that could have negatively affected the outcome of the closing.

Read and review any papers sent to you by the mortgage company. If you have questions, ask questions. Don’t assume.

Need to Buy Your New House Now But Can’t Sell Your Current Home First?

Recasting—big money’s coming but not here yet- Couple needing to buy now

A couple came to me with a contract to buy their dream home but shared with me that they planned to retire in a couple of years. They did not have a large enough down payment to get the mortgage payment low enough to be affordable in 3 years when they retired with less income. However, they would be acquiring significant amount of money within the next 12 months so that they could pay down the mortgage to less than 50% of the current balance.

For them we looked at a possibly asking the lender to “recast” the payment once they prepaid 50% of the amount owed. In their case, they chose to take an adjustable rate mortgage with strong safety caps on the rate. After looking at the worst possible scenario if rates kept going up, for them, their payment would continue to drop even if the rate went up because every year the rate adjusted, the payment was figured only on the unpaid balance.

There are a surprising number of financing tools that will help you still enjoy a much lower payment later on the new house you buy. Call me and we can explore the right solution for your specific situation.

COMMON REFINANCE TRENDS WE SEE IN THIS MARKET

One of the best tools for making right turns for your real estate using a mortgage refinance when it makes sense.

#1. Cash out refinance to combine your low balance first mortgage and high balance, higher interest rate debt into one single digit, fixed rate mortgage. When you can save several hundred dollars a month on a cash out refinance, consider using the extra savings to pay the mortgage off early.

#2. Cash out refinance to buy an additional property

#3. Cash out refinance to modify your home to fit the way you want to live in your home.

#4. Cash from other sources

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

4^th Segment 8 minutes and 50 seconds

(THE SONG UpBeat Inspirations PLAYING IN BACKGROUND ) INSIGHTS & INSPIRATIONS

Preparing for the Harvest

Born into slavery during the Civil War, this young man grew up poor and fascinated by plants. Later, when years of cotton farming had exhausted the soil across the South, farmers faced financial disaster.

This clever man taught the farmers to rotate crops by planting peanuts and sweet potatoes, which restored the soil’s health. But when farmers produced more peanuts than they could sell, he didn’t stop there. He created hundreds of new uses for peanuts and sweet potatoes, opening new markets that helped save thousands of farms.

George Washington Carver’s story teaches us that while we can’t control every season of life, preparation, innovation, and perseverance can turn today’s challenges into tomorrow’s harvest. His life reminds us that success isn’t about controlling circumstances—it’s about responding wisely to them.

Is it in your heart to own your own home? Is it in your heart to grow enough wealth so that your can finally experience the adventures on your bucket list? You may be thinking, “yes I want to own my own home, but it just seems like too much to do and too long to do it.

Contact me today. Tell me what you want to do on your home purchase or refinance. We can look for just the right mortgage program to make your journey easier. Plus you will have me and our mortgage team to walk with you on your real estate journey.

Contact me today by calling or texting me at 901 482-0354.

(Jo) Today on Real Estate Mortgage Shoppe we are talking about “Like the Wise Farmer, You Can’t Control Seasons—But Look How Others Are Preparing for a Great Harvest in Real Estate “

Allen McCool, Appraiser with Stephenson & Associates 901 763-2100

Gay Streater Young, Realtor with EXP REALTY 901 581-6118

REAL ESTATE TIP OF THE WEEK

Gay Young’s Real Estate Tip #2 If you are serious about buying or selling a home and you are waiting for the right time, you are running behind. Get with your real estate team of professionals who can help you get through the real estate transaction successfully

Allen McCool’s Tip: If you are getting ready to sell your home and you have some interesting areas of measurements, like knee-walls in an upstairs area, get a professional to measure for you. There are so many rules which will allow or not allow the area to be used for calculating correctly your home value. For example, in the knee wall area, your value is calculated only on the area that has a height of 7ft from ceiling to floor down to 5 feet from ceiling to floor.

Jo Garner’s tip :

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 1^st 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’s upcoming location sponsor starting the end of August 2026 is One City Church at 120 N East Yates Rd Memphis, TN One City Church -a people committed to proving love works in Memphis and beyond.

Talk Shoppe on Wednesday August 5^th, 2026 9AM CT “Winston Gasch of Optim Solutions presents “Simple and Safe Ways to Use Artificial Intelligence for the Best Return in Business”

Thank you to retired US Navy Line Commander, Peggy Lau of Viago Travel for your contributions to our business and real estate community with your Talk Shoppe sponsorship. Do you dream of taking first-class vacations with people you care about, but you don’t want to have to pay market costs? Peggy can show you how to spend less and live more. What to know how? Peggy Lau can show you how 901 289-0747.

Thank you to Christine Wood of Opus Elegant Senior Living Memory Care for your Talk Shoppe sponsorship and for supporting our local health and wellness businesses. If you are looking for the right place for your loved one needing expert memory care, contact Christine Wood at Opus Elegant Senior Living 901 587-7100.

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: from Pinterest “To plant something is to believe in tomorrow”

REJOINDERS:

Pat Goldstein, Realtor of Crye-Leike Realtors 901 606-2000
Shelley Rothman and Rob Draughon, real estate attorneys with Griffin, Clift, Everton and Maschmeyer Law Firm 901-752-1133
Silvana Piadade, Realtor with EXP Realty 901 647-6661

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

______________________________________________________________________________

ABOUT ALLEN MCCOOL, APPRAISER WITH STEPHENSON & ASSOCIATES

Allen McCool is a real estate appraiser with Stephenson and Associates. Holding the SRA designation from the Appraisal Institute, Allen has appraised residential property in Shelby County, TN for over 35 years, serving a variety of clients, including lenders, attorneys, and individuals. Allen applies a wealth of knowledge and analytical skill to each assignment, provides clarity in reporting results, and is a reliable provider of solutions to challenging real estate problems. 901 550-2100

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”

“Like the Wise Farmer, You Can’t Control Seasons—But Look How Others Are Preparing for a Great Harvest in Real Estate “

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