Are you looking for ways to simplify your life? Today I will be sharing how Barry became a self-made millionaire in real estate by sticking to a system. Mark McLaurine of Refrigeration Unlimited will be presenting some great mechanisms that will help you be happier in your home and keep your real estate running more smoothly.

Welcome to Real Estate Mortgage Shoppe! We want to hear YOUR story and what YOU want to accomplish with YOUR mortgage. Subscribe to get our weekly podcasts in your inbox at . We even throw the show notes in for your convenience.

Thanks for connecting!

To Your Success,

Jo Garner, Mortgage Loan Officer NMLS # 757308 (901) 482-0354


Come Join Us In The Real Estate Mortgage Shoppe Studio…

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 METHODS AND MECHANISMS TO KEEP YOUR REAL ESTATE AND YOUR FINANCING RUNNING SMOOTHLY. Subscribe to get our weekly blogposts with podcasts at Call us while we are live at (901) 535-9732 Today is June 15th, 2019.

Are you looking for ways to simplify your life? Today we will be sharing stories of people who set up systems and methods with their finances in order to live the way they wanted to live. Mark McLaurine of Refrigeration Unlimited will be presenting some great mechanisms that will help you be happier in your home and keep your real estate running more smoothly.


Mark McLaurine, the Heating and Air Strategist from Refrigeration Unlimited, is back in the studio. Mark has people singing his praises in the marketplace. Mark, take a minute or so to introduce yourself and what Refrigeration Unlimited does for your clients. (Mark introduces himself and talks about Refrigeration Unlimited)


(Jo) I have learned a lot from my mortgage customers over the last 25 years. My most successful, self-made millionaire customers have some things in common. First, they had a clear vision of where they wanted to go. Second, they had set up systems of doing business and rules they maintained when it came to managing their finances-no by-the-seat-of-your-pants stuff.

Barry (not his real name.) Barry had a life dream of not having to work a job and to be able to spend quality time with his wife and children and later his grandchildren. At first, Barry found it excruciatingly hard to go look for rental properties to buy after work and rolling out of bed early on Saturday to go negotiate with a home seller. It was unbearably hard work.

Barry yearned even more for the life he could see in his mind. The answer for Barry was to set up a system of simple tasks, that done together as a routine, would result in Barry’s goal of buying 2 to 3 rental properties per year with his desired positive cash flow. His system of methods and mechanisms included sources he would cover to find his next real estate deal, scripts he used in negotiating with sellers and even systems of marketing his rental properties and record keeping. Now the work wasn’t so daunting. The more Barry moved repeatedly through the set tasks, he became more proficient at it and his success rate improved over time.

Barry’s method includes his commitment to buy the rental property at a bargain price because it usually needs some fix-ups. Another part of Barry’s method is how he finances his income property purchases. He buys the house using his home equity line secured on his primary residence or a line of credit secured on something other property so he can give the seller a cash offer. The seller usually is more willing to sell at a bargain price because Barry is using money not connected with the house he is buying so there is no need to wait on an appraisal and he can close quicker.

Next, Barry gets the keys to the house he bought and heads over there with his fix it up crew. Within a couple of weeks or more Barry’s bargain house is fixed up, painted up and ready for some happy tenants to move in and start paying him rent.

Since I am Barry’s mortgage officer, he and I work together a lot. I already know he wants to pay his variable credit line back as soon as possible and get his low fixed rate 30-year mortgage in place. Before Barry even closes on a house, he and I have already started processing his loan request for the long term fixed rate mortgage. Once Barry has driven the last nail and painted the last wall in the house, I have done an appraisal for his permanent loan and gotten him approved with a low fixed rate payment. With the mortgage I get for him, he pays off his credit lines, freeing them up to use for the next real estate deal using his same system.

I challenge YOU–MAKE YOUR PLAN. LET’S WORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, LET’S DO IT TODAY. Connect with me at Email me at or just call me at (901) 482-0354.


Mark McLaurine of Refrigeration Unlimited, also known as the Heating and Air Strategist, talk about some of the most common gizmos and gadgets available to make our homes happier, safer and running smoother. (Mark launches into the mechanisms, gizmos and gadgets that make the real estate happier and running smoother. Example:

  1. UV Light 2. Plasma Air Treatment 3. carbon dioxide detector, smoke detector 4. alarm to alert you when water is leaking from your water heater 5. Inline float switches 6. Wet Switches 7. pool alarm to alert family if a child or pet has jumped into the swimming pool, 8. wi fi gadgets that turn on lights, lock doors, open doors, adjust temperature in the house, allow the homeowner to monitor activity at the home remotely from their smart phone) cover what you want to cover on these and more

You’re listening to Real Estate Mortgage Shoppe. I’m your host, Jo Garner, Mortgage Loan Officer. What do YOU want to accomplish with YOUR mortgage? Connect with me at When we come back, Mark McLaurine of Refrigeration Unlimited will be sharing more about some mechanisms that will keep YOU happy and YOUR home running smoother…

2nd   segment after 9:15 breakIt’s time for the Look Back Memphis Trivia Contest. The Look Back Memphis Trivia Contest is brought to you by Memphis notable historian, Jimmy Ogle,.    Jimmy Ogle offers free historic walking tours in downtown Memphis.  To get his spring and fall schedule, go to    Our Look Back Memphis Trivia contest is sponsored by John and Jennifer Lawhon of Lawhon Landscape the Lawhon’s can help you plan your landscaping if you have a big, big project or a little one that you might want to do in phases. The Lawhons are giving away a $25 gift card to the first person with the correct trivia answer.  If you know the answer to one of our trivia questions, call us at 901 535 WREC 901 535-9732. 

Garner # 157 * 06/15/19

The Antenna

Question: I am a club that paved the way for a new genre of music in Memphis in the 1980s and 1990s. Who am I?

Hint: Previous names for my location were The Well, Detroit Rock City and The Moustrap.

Hint: The now well-known band, R.E.M. played in my club in 1981 for $300!

Final Hint: The idea for the name of my club came from a time when TV sets had “rabbit ears” Who am I?

Answer: The Antenna. The Antenna, otherwise known as “Memphis’s original punk rock club,” operated at 1588 Madison from 1981 to 1995. Before The Antenna, nightspots under other names – “The Library,” “The Mousetrap,” “Detroit Rock City,” and “The Well” – were in business at this address. After the Sex Pistols performed in Memphis on January 6, 1978, “The Well” featured local bands as early as 1979 and it was the starting point for an undeground music scene that The Antenna adopted and expanded. The Antenna opened on June 26, 1981, under the ownership of Steve McGehee, who would break new ground to elevate and energize the music scene in Memphis and place it on the national map and beyond. McGehee based the name of the club on television sets that had “rabbit ear” antenna. David Fisher designed the club’s logo.

Months ahead of MTV, the Antenna broadcast “Rock America” videos on five TV sets. They were turned on before and after live performances from such groups as The Crime, The Modifiers, Tav Falco & Panther Burns, Alex Chilton, The Randy Band, The Hellcats, Calculated X, Jim Dickinson, and many others. Steve McGehee booked touring bands, such as R.E.M., The Replacements, and Black Flag before they became internationally known. The club’s array of music attracted a diverse crowd, and this family-run business kept them coming back. Steve’s brother, Mark McGehee, managed the daily business, and sister Robin McGehee worked the bar. Mark “Angerhead” Kallaher and Kenneth “Rebel” Weakley were the two doormen. The club was used for music videos, movie locales, and band reunions. It also is the subject of a 2016 documentary film, “Antenna.”

Jimmy Ogle will be giving FREE Walking Tours in Downtown Memphis during on Saturday, June 15 at 11:00 a.m. (Pinch District, meet at Westy’s, 346 Main at Jackson) & 1:00 p.m. (Civic Center Plaza & Adams Avenue, meet at City Hall, 125 N. Main Street) Go to for more information.



  1. Mark launches into the mechanisms, gizmos and gadgets that make the real estate happier and running smoother. Example: UV Light 2. Plasma Air Treatment 3. carbon dioxide detector, smoke detector 4. alarm to alert you when water is leaking from your water heater 5. Inline float switches 6. Wet Switches 7. pool alarm to alert family if a child or pet has jumped into the swimming pool, 8. wi fi gadgets that turn on lights, lock doors, open doors, adjust temperature in the house, allow the homeowner to monitor activity at the home remotely from their smart phone) cover what you want to cover on these and more…


  1. Air Flow- If your filters are dirty or there is an obstruction in the duct work, the air flow can be impeded, causing your air conditioning system to not work

  2. Condensation—Your airconditioning operates below the dew point, so it creates water in the form of condensation. Condensation must go somewhere and it is not supposed to drain throughout the house or through the ceiling. If something is clogged, it needs to be fixed so that condensation drains to the proper place

  3. Electrical- If the electrical system shorts out of there is a drop or stop in power, make sure a certified professional is getting this problem corrected

  4. Environment- Units that are outside can get clogged up with dust and weeds and other junk from outside. It needs to be cleaned thoroughly once a year by a professional.

  5. Refrigeration—Some people call it freon. Freon is a disappearing precious substance used in older air conditioning units. Due to new government mandates requiring higher SEER rated air conditioning units, you need to take extra measures to prevent problems with you current unit by getting the maintenance done on a regular basis. When your old unit conks out, you will be required to replace it with a more expensive system.

  1. What are some tips you can give homeowners to help keep their air conditioners working throughout the summer?

What are some tips you can give homeowners on what to do when the air conditioner stops working? When the fan is running but your unit is not cooling that means that your coils or other parts of your air conditioning system is frozen up. To avoid harming your air conditioning unit, TURN ON THE FAN AND TURN OFF THE SYSTEM. Call Mark or your air conditioning technician and within one hour of turning on the fan and turning off the system, the system will be unfrozen and the technician can begin working on it.

  1. Talk about the latest government rules that affect what type air conditioner you will need to purchase when its time to buy a new one? What are the costs for these units?

  2. What sets you and your company apart from other heating and air companies?

  3. Share some short stories (without revealing the identity of real people) that illustrate some of the points you are making.



  1. What mechanisms do recommend to keep your finances running smoothly?

As far as mechanisms go when it comes to keeping your finances running smoothly, here are some I strongly:

  1. Quickbooks or other online or computer based bookkeeping system. As long as you enter everything into the program or app, you can let the computer do the heavy lifting when it comes to pulling up reports to how you have spent your money. It will help you keep track of your bank account activity too.

  2. An identity theft service that notifies you if anyone has pulled your credit and takes care of the legal fight to get your credit info corrected in the case your identity is stolen.

  3. Set up automatic online prepayments to your mortgage principal in an amount that fits your budget. You will be surprised when you look back after a year or more to see how much interest costs you have eliminated by paying even a little to extra mortgage principal. One principal and interest payment per year on a 30 year loan starting at the beginning of the term can knock off about 7 years off your loan.

  4. Find a system that works best for you to reach your financial goals. In the case of buying real estate to build up enough income to finally be financially free, you may find a ready made system and software that you can buy and use. Or, just create one yourself. Model what works.

  5. Appoint in your electronic calendar a day once a year to pull your free credit report from all three credit bureaus -Experian, Equifax and Transunion. You can pull your own credit for free once a year at Review all three reports to make sure there are no errors. Review again your spending habits.

  1. What are some effective methods you see your successful mortgage customers using to keep their finances running smoothly?

  1. I know a lot of people do not like the “B” word—Budget. But Creating Your Budget is the first step. You have to know where you are before you can plan the way to get to where you want to be.

Several years ago I served under Lou Celli on the Finance Committee for my church. Lou Celli was a successful businessman. One of his key tools that contributed to his success was creating a budget and sticking to it.

During our time serving on the church finance team, I had the opportunity to assist Lou during budget counseling sessions with church members who had run up on hard times or just had a strong desire to move up from where they currently sat financially.

His plan was so simple—after listening to the church member’s story and asking questions to clarify their situation and goals for moving forward, he would give them an assignment. The assignment was to review the last 6 months bank statements and credit card statements. They had to make a list of how much they spent each month and what bills were not included like the ones you pay once a year. Secondly they had to review their income on the bank statements and their latest paystubs.

Their third assignment was to list the expenses that were absolute needs. Then they had to list expenses that they could eliminate or substitute for something much less costly.

Fourth, Lou gave them some places to shop and when to shop to buy at a greatly reduced price a lot of the items on their list of expenses. One of them was, at that time, go to Kroger at 6 AM in the morning and buy yesterday’s meat at a 70% discount. Lou asked the church member to actively look for places to buy the things on the needs list at a significantly less price.

Consider the time you take to create your budget like a Financial Make-Over. The whole time you are going through the grueling steps of reviewing your bank statements, credit card statements and income documents, just imagine how it will feel to be getting closer to financial freedom or whatever your dream life is.

Leave room for an emergency fund. If you are salaried in a secure job you may feel comfortable with only a rainy day fund to cover only 3 months of your living expenses. But if you are self-employed or commission only, you may feel better setting up a rainy day fund to cover 12-months living expenses.

In Elizabeth Warren’s book All Your Worth The Ultimate Lifetime Money Plan, she talks about a basic rule of dividing after-tax income to spend 50% on your needs, 30% on things you want, and 20% to your savings account. I personally know people who, out of the 20% income left over, they pay 10% of their income to charitable causes like to their church or other places and then pay the other 10% to their savings account. There really is a spiritual rule of Givers Gain that comes back to you in positive spades.

  1. What are some ways you can free up several hundred dollars each month without raiding your bank account?

Let me share Mr. Jones’ story.(not his real name) He had to set up a system to restructure all of his financial obligations. To get rid of his debt in less than half the time it would have normally taken and still allow him to pay his mortgage off early, he had to set in motion 2 or 3 steps that had very set mile markers on when each step was to be implemented.

  1. Mr. Jones and his wife had a good jobs but his wife got sick and had to quit her job. The income in the household dropped but not the bills. As Ms. Jone’s health deteriorated, she ended up in the hospital and then needed around the clock care. Mr. Jones had to cut back on time he could work on his job and his own income dropped. Unfortunately, Ms. Jones never recovered and passed away.

  2. Late one afternoon I picked up my phone and it was Mr. Jones on the other line. He told me his story. When the income dropped in their household, he said he had no choice but to start using credit cards and now was paying over 15% interest and the owed balances kept compounding higher because he could only pay the minimum payment. He also told me they had amassed mountains of medical debt.

  3. He and his wife had paid down their mortgage over the years and only owed about 25% of the value. The mortgage payment was really high though, because they had refinanced it a few years ago to a short 15 year term, hoping to have the mortgage paid off before they retired. The mortgage payment in Mr. Jones’ situation, was choking the life out of him.

  4. We looked at several scenarios and Mr. Jones decided on this one:

He refinanced his mortgage back to a 30 year term with a lower fixed rate to get the payment as low as possible. He rolled the biggest part of the credit card debt, especially the cards with the exorbitantly high interest rates. By consolidating his high debt payments all into his new 30 year mortgage by refinancing, he lowered his monthly payment by about $750/month.

Mr. Jones then set up a small monthly payment plan with the medical collection companies. He used some of the $750/month savings from refinancing his mortgage to wipe out even more debt. Now he was seeing light at the end of his tunnel.

By setting up a plan to systematically pay off his debt, he figured that in less than 5 years when the biggest part of his debt was paid off, he could start paying all of the $750/month that he was saving and start prepaying his principle on his mortgage so he could still pay off his mortgage early.

My client, Mr. Jones, was enjoying some hero status with other family members because of the steps he took to overcome what seemed to be insurmountable odds. Not only did he quickly get his debt back under control but he was still going to get to pay his mortgage off early.

Do YOU need to restructure you financing to save tens of thousands of dollars in interest expenses like Mr. Jones did? What do YOU want to accomplish with YOUR mortgage. Connect with me today at email: telephone: (901) 482-0354 online loan application

REAL ESTATE TIP OF THE WEEK (Mark McLaurine shares a tip When you airconditioning is not cooling the house, DO NOT turn the thermostat down. Instead, turn your airconditioner OFF and turn on the FAN. Then call Mark to come fix your unit 901-216-7782. Tip #2 Get your hvac cleaned and checked by an HVAC professional once a year.


Talk Shoppe offers free networking & education to anyone interested in real estate or in business. Talk Shoppe meets every Wednesday 9A-10A CT at Pinot’s Palette 8225 Dexter Rd Cordova, TN. This Wednesday June 19th, 2019 Talk Shoppe presents:  Mark Loden shares his Personal Financial Success Using Simple Monthly Budget Planning

Talk Shoppe events are free thanks to supporters like Nita Black, of Where you and share your knowledge online and get paid for it.

2. Thank you also to Talk Shoppe advertiser, Mary Jane Lessley with Signs Now of Memphis –helping you stand out in a crowded world with signs, banners, vehicle wraps and more (901) 368-0784.

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




George Elliot “It’s never too late to be who you might have been.”

Anonymous “Life is like a bicycle. In order to keep your balance, you must keep moving.”



  1. Tom King, Bill King Appraisal Service (901) 487-6989

  2. Sonia Balcer, Rocket Scientist from Montrose, California

  3. Clint Cooper, Redeemers Group Memphis, TN

Transitional Music: “Smooth Operator” by Sade; “Smooth” by Santana; “Take It Easy”  by the Eagles;

“Memphis” by Johnny Rivers  for the Look Back Trivia Contest




(901) 216-7782

Owner operator of Refrigeration Unlimited LLC, a state-licensed contractor for mechanical and gas installations since 2008. My career spans back into the 90s as a plumbing apprentice but in the early 2000s I obtained my EPA license through a local trade school and worked for several years honing my skills doing warranty service replacement and repairs.

Due to the exceptional work I did early on and advanced training programs, I have developed my own faithful clientele that I cherish. My secret to success is hard, intelligent work– 7 days a week –leaving no one behind.

Refrigeration U nlimited LLC is a state licensed mechanical contractor serving the Memphis metro area for the last 10 years. we specialize in the repair of all brands but are in the carrier corporation family as a Bryant dealer. Bryant has been in business since 1904 and continues to be a leader in the residential and commercial ac and heat industry offering a complete package of products either gas fired or strictly electrical or both.

Member of BNI Greater Memphis, Memphis Investors Group and Moxey. I also own Kingpin Properties which has housing inventory for lease and sale.



WHAT DO YOU WANT TO ACCOMPLISH WITH YOUR MORTGAGE? (901) 482 0354 twitter @jogarner NMLS# 757308

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