Protect Your Home Like a Pro With These Smart Mortgage Moves & Home Maintenance Team

Protect Your Home Like a Pro With These Smart Mortgage Moves & Home Maintenance Team

Wouldn’t it be nice to have the right home repairman or service provider right NOW when you need them?

Ed Hill, Masters Roofing and Jo Garner, Mortgage Loan Officer NMLS# 757308 will be showing you how to build your “911 Team”

Protect Your Home Like a Pro With These Smart Mortgage Moves & Home Maintenance Team

Jo Garner 901 482-0354

Ed Hill 901 273-6495

Subscribe for weekly Real Estate Mortgage Shoppe podcasts with show notes www.JoGarner. com

#mortgageexpert #mortgagesolutions #memphisroofing #homeimprovement #homeowner #homebuyer #realtor

LET’S GET STARTED…(Jo) (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 Originator. You can connect with me at www.JoGarner.com. Our Protect Your Home Like a Pro With These Smart Mortgage Moves & Home Maintenance Team

Thank you to real estate attorneys Shelley Rothman and Rob Draughon of Griffin, Clift, Everton and Maschmeyer Law Firm for sponsoring this episode of Real Estate Mortgage Shoppe. For the title work and closing on your home purchase or refinance, contact Rob and Shelley at 901 752-1133.

Today is April 11^th, 2026 . Congratulations to the Artemis II crew who just returned safely from their momentous journey around the moon.

Introducing Ed Hill of Masters Roofing in Bartlett, TN

Ed Hill of Masters Roofing in back in the studio. Ed, you have been in the roofing business for almost 20 years. You listen to your customers and deliver what they want and need. Your podcast “Memphis Home Maintenance Show” has some good home improvement tips. You can catch this podcast at www.MemphisHomeMaintenanceShow.podbean.com Ed, take a minute or so and tell our listeners a little about yourself and the services you offer your customers at Masters Roofing. (Ed Hill has about 1.5 Minutes introducing himself and talking about the services he offers)

(jo) Do you want to buy a home or maybe build a home? Do you have a dream of staring a business? What other life adventure would you like to experience. Every time I am ready to take my first steps, I remember good counsel from my grandfather, my business teacher at school. “What resources do you already have to get started?” What resources do YOU have to get started on your life dream or achievement? What are your own skills you can put to work? What financial support do you have ? WHO DO YOU KNOW who has what you need?

This story comes from a former client who wanted to give the best life to her children, but as a divorced single mom, her dream seemed unattainable AT FIRST. Then she ask herself those questions—What resources do I have? Who do I know who has the resources I need?

Subdivide-Be Creative and Conquer- Adele Edmond’s Story

Meet Adele Edmond (not her real name). Adele is divorced and a single mom to two middle school daughters. She works full-time and wants to give her daughters a good life and be a good mom. In the divorce, Adele kept the very small house sitting off a highway outside the city limits where she and the girls have been living for the last few years.

Behind the house was about 10 acres that also needed mowing or bushhogging. Adele’s challenge? She wanted to move to a larger home in town in a school district where some of her daughter’s friends from church go to school. But she didn’t have enough income to afford a high payment since she didn’t have a lot to use as a down payment to live where she wanted to live.

Adele’s strategy? After talking to some business and real estate savvy friends at church, she decided, instead of trying to sell her little house and the land in the back, she would sub-divide the land and sell the lots individually with the small house too. She partnered up with a developer and a builder and a trusted real estate friend.

Adele’s reward? At the time Adele and I were talking, she was still in the process of finishing this project but, by connecting with the right friends and partners to help her, it looks like Adele with make significantly more profit subdividing the land and selling them individually than just trying to sell the little house with all the grass out back to mow. Selling the property this way has already provided her with enough down payment to get the mortgage payment low enough to be comfortable in the larger home she wanted in the other school district. And she has money left over to invest for her daughter’s future.

Whatever it is that YOU want to do, there’s a mortgage for that? If you are buying a home, building a home, building a rental home portfolio or refinancing to restructure your finances, connect with me today and let’s explore YOUR financing options. I can help you find the right mortgage and make the process Easy. Connect at JOGarner.com

(Jo) Ed Hill of Masters Roofing, you are the expert on roofing and home improvements. You and I both are a HUB of resources for others who need reputable professionals to help them with products and services. We are part of our Greater Memphis Business Network International group and the Talk Shoppe networking group too. We have 3 or 4 minutes before we go to break. Let’s jump into your suggestions how to build a home maintenance 911 team for when you need it? (ED can launch into his topics here and continue after break)

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 When we come back, we will be hearing more from Ed Hill of Masters Roofing. 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

RIDDLE #1: What do police call this kind of evidence when a robber robs a house under renovation and accidentally leaves his handprint on wet cement,

Answer: Concrete Evidence

RIDDLE #2: Why is “dough” another word for money?

Answer because everybody “kneads” it

Today on Real Estate Mortgage Shoppe we are talking about “Protect Your Home Like a Pro With These Smart Mortgage Moves & Home Maintenance Team”

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

Ed Hill of Masters Roofing 901 653-6594

TOPICS COVERED BY ED HILL OF MASTERS ROOFING

When an emergency arises without warning at home, school or work, we all know to immediately dial 911. We don’t even have to search for the phone number of the Sheriff’s Office or Fire Department…we just instinctively dial 911.

Ponder that fact for a moment. Without hesitation, when seconds count, we just dial the universal number to get just the right help at just the right time.

When we dial 911 in an emergency on the road or in the backyard, we do so because we can trust that exactly the right help will come and that they will know exactly what to do.

Let’s apply that same concept to emergencies that occur with no advance notice regarding our home and its well-being. Whether it’s a leaking faucet or a broken water line, burned out security light on the second story or a hot to the touch electrical panel in the utility room, we need to be able to make a call to exactly the right help who will know exactly what to do when they come to our home.

Here’s how to build a home maintenance 911 team to call:

1. Make a list of what type of help may be needed.

Examples: electrical, plumbing, heating and air, painting, flooring, security, pest control, pool cleaning, lawn care, glass repair, appliance repair, landscaping, tree service, irrigation, chimney cleaning, etc.

2. Enter each service and the name and phone number of professionals already trusted and used, into your phone contacts and lists.

3. Research services and names and phone numbers that come highly recommended and enter that information into your phone contacts and lists.

4. Create a fail-safe printed backup list that is posted on the refrigerator.

Following these steps will help immensely when those unpredictable emergencies arise and when projects need to be completed at home. Prior preparation leads to confidence in an emergency and in planned improvements.

Ed Hill, Senior Consultant, Masters Roofing Memphis and founder and host of MemphisHomeMaintenanceShow.Podbean.Com is also a monthly radio co-host on Real Estate Mortgage Shoppe heard Saturdays at 11 a.m. Central on The Mighty 990 AM / 107.9 FM KWAM Memphis. He has over 25 years of experience in the home maintenance and improvement industry. He is available for advice in these matters. Contact Ed directly by call or text to 901-273-6594 or email EdHill.MastersRoofing@Gmail.com

____________________________________________________________

3^RD SEGMENT 12 minutes

( Brighter Tomorrows Song playing in background)

For Did You Know today…(see if you can guess the answer before we do)
Question: What was the name of the company on Chelsea Ave in Memphis that caught fire and burned for 23 days before finally being extinguished on December 25^th, 1956?
Memphis fire fighters started out in the 1830’s with volunteer “bucket brigades.” In the mid 1800s Memphis transitioned to a formal fire department and appointed a fire chief. In the early 1900’s the Memphis Fire Department made another transition from horse-drawn engines to motorized trucks. The big fire on Chelsea Ave in 1956 caused the Memphis Fire Department to make further improvements to their fire fighting techniques.

HINT: The company that caught fire is no longer in Memphis but headquartered in Chicago. People still eat their product for breakfast.

ANSWER: The name of the company on Chelsea Ave in Memphis that caught fire and took 23 days for the fire department to extinguish was The Quaker Oats Company. The fire started when a large supply of corn cobs caught on fire.

We have a top-notch fire department in Memphis. Kudos! to our Memphis fire fighters. Thank you for all you do.

(Talk about needing some professional help RIGHT NOW. That was a RIGHT NOW situation.)

Today on Real Estate Mortgage Shoppe we are talking about “Protect Your Home Like a Pro With These Smart Mortgage Moves & Home Maintenance Team”

Ed Hill of Masters Roofing 901 653-6594

TOPICS COVERED BY JO GARNER, LICENSED MORTGAGE OFFICER

Review is the Rule
Check out the contractor or service provider reviews
Better Business Bureau
Angi.com
Yelp
Google My Business

Networks where Ed Hill and Jo Garner are connected www.TalkShoppe.com/Directory and Greater Memphis Business Network

Some Good Team Members to Have On Your Real Estate Team

#1 REALTOR COMES WITH REPAIRMEN TO THE RESCUE

A few years ago my sister and I needed to get our family-owned property sold within 45 days or less. The property was out in the country about 100 miles away and, besides the house, it had land, a pond, a detached garage with an efficiency apartment and other outbuildings too. My sister hired a realtor that worked in that county to list the property and she informed us that we needed a number of repairs to be done to the house and out buildings so that the buyer could get traditional financing.

“No problem,” we thought. We called some people we knew but the carpenters were booked up and could not get to our projects for another month and a half. The electrician told us he could not get to our job for 60 days or more and the plumber informed us he was too busy too. Frustration was mounting and a little anguish too. How were these repairs going to get hammered out and still nail the closing deadline?

My sister called for help from the realtor we had hired to list the property. The realtor immediately whistled up her group of contractors, a plumber and an electrician that began work the very next week. They were doing a good job at a good price. My sister’s family and I converged on the property with work gloves every weekend to knock out some cleaning, painting, landscaping and more. At last, the house was ready to go on the market. It would have never happened on time without the realtor who knew the local market and was well connected to the good quality professionals we needed to get the right resources so we could sell the property right on time.

#2. Organizers and Movers

TURNKEY TRANSITION

The phone rang and Leah Anne Morse clicked her head set to answer while juggling some boxes for an estate sale she was conducting for a customer. Leah Anne Morse, of All Things New is a professional organizer, transition specialist and moving company. She creates a positive experience for her clients who are in some type of transition.

The person on the other line was an older lady. With a voice that sounded frail, she asked Leah Anne, “I need to move out of state in the next month to live with a family member. I have a large home full of stuff and can only take a small portion of it. Can you help me with sorting, packing and moving? I just can’t do it by myself.”

Leah Anne met with this lady and listened to her as she described what she wanted to do and how she wanted to do it. Leah Anne and her crew connected her with the right people to sell the items that needed to go. They packed everything else for her, moved her and her belongings across the country and helped her unpack and decorate her new home. Leah Anne was resourceful in getting a quality realtor who found professionals to make the repairs needed so the realtor could sell this lady’s home quickly and at a top price too. Talk about a turnkey transition—and a positive experience for the lady making the move too.

#3. Loan Officer

Shop For the Right Mortgage with the Right Mortgage Officer Will Save You Time and Money

Do you want to have some bragging rights on getting the right mortgage? Mortgages do not come in a one-size-fits all. But sometimes home buyers and people refinancing experience being herded into a mortgage product because the loan officer did not take time to listen and ask the right questions.

Examples of my hall-of-fame clients who have bragging rights on their mortgage.

First-Time Homebuyer who got a lower-than-market interest rate AND down payment assistance, closing on their first home with little or nothing down.

Move-up Buyers who used creative bridge loan financing or a special feature on their mortgage so they could buy their new home and wait until later to sell their old home and still enjoy a low mortgage payment on the new home.

Self-employed borrowers who legally write off expenses and do not show a lot of income on their tax return. They were told “NO” by other banks because they could not show enough NET income on their tax returns to qualify for the mortgage they wanted. Instead, we used an outside-the-box mortgage and used their bank statement to verify enough income instead of the tax returns.

No Income verification loan. Want to skip the income verification completely? If you have a million dollars in investments, we can assume you don’t need to verify income and use an Asset-Depletion loan.

Want to buy or refinance a fixer-upper home? There is a Renovation and Repair loan for that.

Real estate Investors who do not want to have to take time to verify their income. They want a quick, affordable mortgage AND they want to buy the rental property in the name of the LLC and not take title personally. There is a loan for that called the DSCR loan. These DSCR loans come in different types and flavors. I will take the time to find the RIGHT program to give you the terms and the bragging rights you are looking for.

Condominium Financing. Is the condo warrantable or non-warrantable? Either way, there’s a loan for that.

Hobby Farms-

Reverse Mortgages for homeowners or home buyers over 62 years of age.

Connect with me at www.JoGarner.com and let’s go through a checklist to make sure you are getting the absolute best type loan terms that match your current situation and your plans for the future. We can work together so your preapproval letter on the mortgage is VERY strong.

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

Vision for Service to Others

This young man had a strong faith in God and devotion to helping others. When the Great Depression hit, he dropped out of school in eighty grade to work as an office boy to support his family. Later he played semi-pro baseball for the Chicago Brave and enlisted in the US Marines in 1918. Following his baseball career, still in the midst of the Depression, he launched his own moth-proofing company. But people needed so many other services, so why not offer other professional services under one roof?

This business man had a vision for serving others—his customers and his employees. His commitment to service enabled him to successfully run his moth-proofing, and later expand to offer carpet and rug cleaning as well. Very quickly, the business grew, and in 1954 the name of the company changed to ServiceMaster. The company which Marion Wade founded almost fifty years ago is still thriving today and offers a variety of residential and commercial services including lawn and landscape maintenance, termite and pest control, maintenance and repair of heating, air conditioning, plumbing and appliances, cleaning and furniture maintenance and home warranties.

When you own a home or a business, it is important to have a variety of reputable professionals in reach to quickly get you the product or service you need to keep your life and business running smoothly. What other reasonably priced, professionals of excellence do you need to keep your home and finances working well?

Today on Real Estate Mortgage Shoppe we are talking about “Protect Your Home Like a Pro With These Smart Mortgage Moves & Home Maintenance Team”

Ed Hill of Masters Roofing 901 653-6594

REAL ESTATE TIP OF THE WEEK

Ed Hill of Masters Roofing offers his tip: (about 1.5 minutes )

Jo Garner’s tip :

To get over common barriers with getting a mortgage, you need an experienced mortgage officer tuned into what you specifically want and need an not just a voice over the phone trying to run you through their process

I can help you with getting over common barriers like these:

1. Not enough money to close

2. Not enough qualifying income

3. Issues with credit

4. Issues with the property

What do you want to accomplish with YOUR mortgage? Whether you are buying a house or refinancing, let’s explore the best mortgage product that will get you quicker to the life you want. It might be a traditional government-backed mortgage, a special mortgage product or an outside-the-box, in-house mortgage.

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 on Wednesday April 15th 2026 9AM CT The topic is “Stroke: Know the Signs, Save a Life” presented by A. Michelle Abt, MBA, OTD OTR/L Encompass Rehabilitation Hospital of Memphis

This is a Health Talk powered by Mary Lou Nowak of Resource4Care.com

Sponsored by Tim Flesner and Genell Holloway of Mid-South Home Helpers 901 414-9696.

Hosted by Talk Shoppe
Thank you to Zack Roberts, Digital Marketing with ZRCreations for your Talk Shoppe sponsorship. For saving you time and developing more profits streams for your business, contact Zack Roberts at ZRCreations.com

Thank you to Mark McLaurine of Refrigeration Unlimited Heating and Air repair and replacement for your support of our community through your Talk Shoppe sponsorship. Mark will look for the root cause of your problem and fix it. He has lots of used equipment and he can help you if you are on a budget. Contact Mark at 901 216-7782.

Thank you to Redeemers Group Foundation and Repair for your Talk Shoppe sponsorship. Are you dealing with a foundation, basement or crawlspace issue? Redeemers Group can help www.RedeemersGroup.com

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)

QUOTE CORNER President Wilson said, “I not only use all the brains that I have, but all that I can borrow.”

ACKNOWLEDGMENTS AND CREDITS

REJOINDERS:

Chuck Bohannon, Santa Claus HoHoOnTheGo50@gmail.com
Stephanie Jones Bourland Evernest Property Management 901-660-2812
Troy and Lynn McDonald of Erin McDonald Insurance Agency Allstate 901 849-7101

Transitional Music: First Segment “WAAKA WAAKA” (PD) for Comic Queries; “Brighter Tomorrows” by Stocktunes 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 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
Masters Roofing
2845 Stage Center Cove
Bartlett TN 38134
901-273-6594
EdHill.MastersRoofing@gmail.com
www.mastersroofing.com
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
www.EdHillMastersRoofing.webs.com
Podcast https://MemphisHomeMaintenanceShow.podbean.com
You Tube Channel: Ed Hill Masters Roofing
http://Instagram.com/EdHillMastersRoofing
www.Facebook.com/EdHillMastersRoofing

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”

Protect Your Home Like a Pro With These Smart Mortgage Moves & Home Maintenance Team

Categories

Recent Posts