Love Your Life, Love Your Mortgage & Getting Non-Medical Help In The Home
If you are an outside-of-the-box thinker, you are going to connect well with us in this podcast. Mary Lou Nowak and I share some stories and information that you might not get unless you ARE digging past the traditional information you are handed online or on a 1-800 number. So, welcome to Real Estate Mortgage Shoppe!
You will get some ideas on how to make some special tweaks to your mortgage to help you love life a little more. 2. Mary Lou Nowak of Home Helpers shares some tips on how to save yourself thousands of dollars when it comes time to file a long-term care claim. 3. Mary Lou will share some helpful information on getting non-medical assistance in the home for a loved one who needs help.
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Good morning Memphis! A big welcome to our listeners across the 50 states. You’re on the Real Estate Mortgage Shoppe. I’m your host, Jo Garner, Mortgage Loan Officer. You can connect with me at www.JoGarner.com Let’s make your plan, work your plan and if the deal works for you today, let’s do it today. But you have to talk with me personally and you can do that by calling me in the studio while we are live April 30th, 2016 at (901) 535-9732 or (800) 474-8732 or you can call me directly after the show at (901) 482-0354 (901) 482-0354.
The general topic is “Love Your Home Mortgage & Getting Non-Medical Help In The Home-Love The Life You Live” 1. You will get some ideas on to make some special tweaks to your mortgage to help you love life a little more. 2. Mary Lou Nowak of Home Helpers is going to share some tips on how to save yourself thousands of dollars when it comes time to file a long-term care claim and 3. she will share some helpful information on getting non-medical assistance in the home of a loved one who needs help.
Mary Lou Nowak, it is great having you back on Real Estate Mortgage Shoppe. For our listeners who haven’t heard Mary Lou before, she owns Home Helpers and provides dependable, non-medical help for disabled or aging loved ones so they can remain comfortably in their own home. Mary Lou Nowak is an expert in expediting long term care insurance policies saving families thousands of dollars. Mary Lou, share a little more about yourself and what you do for your clients through Home Helpers.
(Jo) Mary Lou, through your involvement with the local group Talk Shoppe, I have had the pleasure to meet people who work with you. You are a very positive person and you like to put positive, caring people around you and around your clients. It’s easier to stay positive when you are surrounded by positive people. Several years ago I was still young and at a cross roads in life. I couldn’t decide whether to keep a successful business or sell it. The business was successful but I was WORN OUT. I took 3 months off during the slow season and drove over a thousand miles away up to Maine. It was wintertime so I thought –you know- get in some skiing, hiking, reading, get to know people , really have a chance to get to know MYSELF. It was a thrilling time for a little bit and then I got sick—really sick—so sick there was no way to leave and go back to my business as planned. In the first several weeks in Maine, I had met some new friends doing some volunteer work and they came and took care of me . WOW! When you get sick, it can be hard to ask for help, but it really brings relief to know you aren’t alone and that someone is there care for you. It was 8 months before I could drive back home and sell my business. As it turned out, after selling my business, I returned to Maine and remained there another couple of years. The willingness to ask for help and the tenacity to stay positive through what seemed a despairing situation, really spun my life’s direction into exhilarating paradigm shift for my career and so much more. That occurred over 20 years ago, and even though I moved back to West Tennessee full time a few years later, as most of you know, I still enjoy living part-time in Maine and in my career, I follow my passion –real estate and putting together the financing to help others finance THEIR real estate and do it profitably.
(Jo) Today while we are on the topic of “Love The Life You Live,” so many stories I hear from my mortgage clients are about years of thinking they know what they want to be when they grow up and just a set day –to-day routine when suddenly—boom- loss of health or divorce or getting laid off a job forces them to rethink, retool reevaluate where they are, where they really want to be and how to get there. If you want to love the life you live, from a financing aspect, let’s spend a little time determining how much is comfortable for you to pay on a house note, your comfort level on a down payment if you are buying a house that won’t deplete your emergency fund. Don’t just take a mortgage because someone on a 1-800 number tells you too. Call me and let’s explore some well-known AND NOT SO WELL-KNOWN mortgage products to really find the perfect mortgage program or combination of programs that will help you get back on your feet faster, or catapult you into enjoying the things you want to achieve quicker.
Mortgage rates had been inching up on us for a few days but lowered a small amount yesterday to around 3.625% to 3.75% on the 30 year fixed rate conventional loan, around the low to mid 3’s on 15 year fixed programs. There are still some 100% loans with zero down payments out there, some 100% doctor and dentist loans. And for some of our listeners, restructuring your existing mortgage can free up a surprising amount of cash per month, or get you extra cash back to get rid of higher interest rate debt. Depending on your individual situation, we may use a combination of programs. You may can save tens of thousands of dollars shortening the term with a lower interest rate too and just get rid of the mortgage sooner. Some refinance loan products do not even require a full appraisal and some of the special streamline refinance programs do not require that verification of income. But I want to work with you personally. Call me now while we are live at (901) 535-9732 or after the show you can reach me directly at (901) 482-0354 (901 482-0354 or email me at jo@192.232.195.219.
Mary Lou Nowak of Home Helpers, it is impressive how you can save people thousands of dollars, with your simple tips on when and how to file long-term care claims. That could put a positive spin on someone’s life.
___2nd segment after 9:15 break: It’s time for the Look Back Memphis Trivia Contest. The Look Back Memphis Trivia Contest is brought to you by notable Memphis historian, Jimmy Ogle. Jimmy offers free historic walking tours in downtown Memphis in the spring and fall. To find out more, ask Jimmy at www.JimmyOgle.com . Our Look Back Memphis Trivia Contest is sponsored by John and Jennifer Lawhon of Lawhon Landscape (901) 754-7474 the Lawhon’s can help you plan your landscaping if you have a BIG, BIG project or a smaller project . The Lawhons are giving away a $25 gift card to the first person with the correct trivia answer. If you know the answer to the Look Back Memphis Trivia Question, call us on the air at (901) 535-9732. 800 474-9732
Garner # 76 04/29/16
Bartlett
Question: I am 150 years old this year and I am a “neighbor” to Memphis. Who am I?
Hint: I have a connection to Ben-Hur.
Hint: I have an intersection known as “Five Way” and an intersection known as “Four Way”.
Hint: I was once known as Green Bottom.
Final Hint: I was once known as Union Depot.
Answer: Bartlett, Tennessee. The community from which the city of Bartlett grew was first called Union Depot and Green Bottom. It was the last major way station in Tennessee along the stagecoach route from Nashville westward and came into being about 1830. When the Memphis & Ohio Railroad took the place of the stages, Bartlett continued as a depot. This was a farming community, with major plantations along Stage Road. On November 1, 1866, with a population of less than 100, the city was officially incorporated and the name changed to Bartlett. Upon incorporation, Bryan Wither was named the city’s inaugural mayor. It was named for Major Gabriel M. Bartlett, a planter, whose homeplace was located on the old Raleigh-Somerville Road (Stage Road) at the present location of Bartlett Station Plaza.
Bartlett has three homes listed on the National Register of Historic Places – Davies Manor Plantation, Gotten House and Cedar Hall. The Old Stagecoach Road (Highway 64, Stage Road, Trail of Tears Route) crosses Highway 70 (Summer Avenue, Broadway of America, TN Highway # 1, Bristol Highway) and the famous intersection is called the “Four Way”. In the late 19th century to the middle of the 20th century, Bartlett was known for its flower and dairy farms. Union Gen. Lew Wallace was stationed in Bartlett (then known as Union Depot) during the Civil War to guard the important railroad tracks. In 1880, Wallace wrote the classic Ben-Hur! For its first 100 years, Bartlett’s population did not rise above 600 residents, but today the population of Bartlett is 60,000 (tenth largest city in Tennessee).
Jimmy Ogle gives free outdoor walking tours on the sidewalks and parks in Downtown Memphis during the Spring and Autumn of each year, with the next Tuesday Tour being along Beale Street at 11:45am on Tuesday, May 3; the Bridge Walk on the Memphis & Arkansas Bridge on at 2pm on Sunday, May 15; the Fairgrounds Walking Tour at 2pm on Sunday, May 22 (assemble at the Coliseum). The D’Army Bailey County Courthouse Tour (indoors): Third Thursday each month at 12:00 noon – the next being Thursday, May 19.
Go to jimmyogle.com for the 2016 Spring Season schedule and locations.
QUESTIONS ANSWERED BY MARY LOU NOWAK:
⦁ What are some of the biggest obstacles when people begin to think about getting help?
⦁ There are those who have thought of this and planned for it financially but what don’t they or their family know that you can share from your experience?
⦁ How does this elimination period affect what people who have this insurance?
⦁ Why don’t people know about having to spend thousands of dollars out of pocket before being able to tap into the LTC payments?
⦁ Please share some of your good stories about clients you have helped.
10. What services does Home Helpers offer their clients?
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Excerpts from past Real Estate Mortgage Shoppe episode: “MARY LOU’S NOTES:
Topic 1: Apple vs. Oranges – how Home Helpers is different, there are over 100 agencies in the Memphis area…see attached video and information below
Topic 2: Long Term Care Expedited Program – Show families that already have Long Term Care policies what they need to do to save 10 to 14k. See attached rough draft of letter
Topic #1 In-home non-medical care has a lot of competition so to point out how we are different I have used the phrase “It’s like comparing apples and oranges”
Home helpers is different because…