Real Estate Mortgage Shoppe today will give you three good strategies for financing your roof repair or replacement from Ed Hill of Masters Roofing. Clint Cooper of Redeemers Group will walk you through the customer experience from your foundation inspection to repair to follow up. He talks about how technology has reduced the mess and a lot of the cost of getting your home’s foundation repaired. Ed shares Jo Garner’s insights on some advantages of the current real estate and mortgage market.
What do YOU want to accomplish with YOUR mortgage? Make your plan. Let’s work your plan. If the deal works for you today, let’s do it today. Contact me directly at 901 482-0354. Subscribe to get weekly Real Estate Mortgage Shoppe podcasts with show notes at www.JOGARNER.com.
To listen to today’s show just click below!
To Your Success,
Jo Garner, Mortgage Loan Originator NMLS # 757308
Host of Real Estate Mortgage Shoppe
Author of the book “Choosing the Best Mortgage-The Quickest Way to the Life You Want” available on Amazon and Barnes and Noble
LET’S GET STARTED…
Good morning, Memphis! Welcome to our internet listeners and podcast listeners across the 50 states! You’re on Real Estate Mortgage Shoppe. I’m Ed Hill of Masters Roofing in Memphis guest hosting for Jo Garner, Mortgage Loan Originator. You can connect with Jo Garner at www.JoGarner.com (pronounced Jay-Oh-Garner-dot-com) You can connect with me, Ed Hill, at 901 273-6594. Our general topic is STANDING ON SOLID GROUND WITH YOUR REAL ESTATE IN 2022. Thank you to real estate closing attorneys Rob Draughon and Selley Rothman for sponsoring Real Estate Mortgage Shoppe today. For your real estate closing, call Rob and Shelley at 901-752-1133. Subscribe to get our weekly blogposts with podcasts at JoGarner.com (pronounced Jay-Oh-Garner-Dot-Com) Call us while we are live today September 10th, 2022 at 901 535 9732.
INTRODUCING CLINT COOPER OF REDEEMERS GROUP
Our special guest on Real Estate Mortgage Shoppe today is Clint Cooper of Redeemers Group. Clint, your company is all about solutions for basements, crawl spaces and foundations for homes and commercial properties. You have published several articles on his areas of expertise. Your first book entitled “Mold Prevention Science” was published and is used by entire the Basement Systems and Foundation Supportworks’ network of dealers to help them communicate with their clients about mold and mold prevention. Glad to have you on Real Estate Mortgage Shoppe. Please take a moment and tell our listeners a little bit about yourself and what Redeemers Group does for their clients
Clint talks about a pivotal experience when he was young that made him want to set the bar higher for home contractors. Redeemers Group vows to show up on time, do the work they contracted to do and be available for the client following the completion of the work.
Ed Hill of Masters Roofing points out that Masters Roofing has the same policy for roofing jobs. Show up on time, do excellent quality work and not ask the client for money until the job is done.
(Ed Ed Hill brings the conversation back around to Clint for a few minutes before going to break at 9:15AM
You’re on Real Estate Mortgage Shoppe. I’m Ed Hill of Masters Roofing, guest hosting for Jo Garner, Mortgage Loan Originator. Jo would say, “What do YOU want to accomplish with your mortgage? Make your plan. Let’s work your plan if the deal works for you today, let’s do it today”. When we come back ….(Ed gives a preview of what is coming up in the next segment)
2nd Segment following 9:15 Am break 9:18am to 9:30 am:
Ed Hill comes back in with something like: You are back on Real Estate Mortgage Shoppe. I am Ed Hill of Masters Roofing, guest hosting for Jo Garner, Mortgage Loan Originator. Connect with Jo Garner at JoGarner.com 901 482-0354 . Connect with me, Ed Hill at (901) 273-6594. Clint Cooper of Redeemers Group is our special guest. Clint how do our listeners reach you?
(clint gives his be:st contact info)
Before we move back into our conversation with Clint Cooper, I want to share something that Jo Garner, our regular host, shared on the Ben Ferguson show yesterday. Ben asked her if it was still a good time to buy and finance real estate. Here is some of what Jo said :
“Recessions can be expensive and painful. You can’t just read the headlines these days. You need to look behind the numbers to get to the truth
So what can we see behind the numbers?
Rising mortgage rates have reduced the competition for home buyers just enough to give these home buyers a better chance than earlier this year to get their home purchase offer accepted by sellers.
The continuing increase in home prices, help home owners today enjoy an increase in wealth as their real estate values continue to go up. Owning your own home eliminates the problem of having to pay higher rent every year.
Homeownership has historically been a great hedge of protection against inflation AND recessions.”
Connect with Jo Garner, Mortgage Loan Originator at 901 482-0354 JoGarner.com (pronounced Jay-Oh-Garner-dot-com)
TOPICS COVERED BY CLINT COOPER OF REDEEMERS GROUP
Clint Cooper walks the radio listeners through the process from the first inspection, to the work getting done to the service given to the customer after the job is done.
Technology has allowed a lot of foundations and driveways to be lifted using a dime-sized hole and a special foam that hardens within a minutes. Redeemers Group can raise a driveway using this technology and you can park a car on the driveway within about 15 minutes following the job completion.
Redeemers Group can use this technology to pick up an entire house if needed.
(I never got any topics from Redeemers Group, but Clint can talk impromptu about anything dealing with home foundations)
3rd segment 9:35 am to 9:45 Am: TOPICS COVERED BY Ed Hill of Masters Roofing
Sat 10 September, 2022
Roofing Story Time
Once upon a time in the Midsouth, a roofer knocked on a door, promised the doubting homeowner a new roof and wham-o the insurance company came out to look at the storm damage and handed the surprised resident a big, beautiful roof replacement check, the roof was replaced and the family lived happily ever after. The End.
Not anymore. In 2022, roofers still knock on doors (except me) and promise a new roof from insurance, but now the insurance company often no longer even comes out but sends a middle-man ladder assist company, then the insurance company which has not been on your roof offers a repair settlement or often nothing at all because magically the repairs are just below your policy deductible. It’s not impossible to get a new roof from storm damage but it’s harder than it’s ever been and getting rare to get a full roof replacement from insurance.
Here’s the problem when insurance is MIA: Damaged, worn out, leaking roofs still need to be replaced. What strategies can be used?
Half’n Half: insurance pays for part and the homeowner pays the rest
O.O.P: homeowner pays Out Of Pocket for repairs or replacement
Easy Payments: homeowner enjoys a new roof and easy payments*
If you are tired of the insurance run-around, tired of roofers knocking on your door promising the moon, and ready for leak relief and roofing peace of mind, then call me today at 901-273-6594.
Ed Hill, Senior Consultant, Masters Roofing Memphis 901-273-6594
*Credit check and credit approval required for all payment plans
4th segment : REAL ESTATE TIP OF THE WEEK ( Ed and Clint has about 1 min each to share a real estate related money-saving or time-saving tip):
Ed Hill’s tip: Whatever you are thinking about doing, do it NOW, NOW, NOW” John Maxwell
Clint Cooper’s tip: “In real estate, think proactively—not reactively . Look around at the market and your home. Make your move while looking ahead.”
Tip from Jo Garner: Two of the most common calls I get these days sound something like this:
“ Jo, a need a strong mortgage preapproval letter to make an offer to buy a house. I realize the mortgage rates are higher than they were a few months ago. Just help me buy this house. One day if the rates go down, I can refinance. Just help me buy the house today.”
The other common call:
“Jo, we have racked up some credit card debt and owe quite a lot on a home equity line of credit on our house. It is costing us more as the payments go up on these loans. Can we look at refinancing our mortgage to roll in the home equity line and credit card debt? We would like to have all our debt on one fixed-rate loan. “
If you want to explore your mortgage scenarios with Jo Garner, connect with her today at JoGarner.com (pronounced Jah-Oh-Garner-dot-com) or call her directly at 901 482-0354
4th segment: ANNOUNCEMENTS:
Talk Shoppe offers free networking & education to anyone interested in real estate or in business or in health and wellness. Talk Shoppe meets every Wednesday 9A-10A CT at Concorde Career College 5100 Poplar Ave 1st floor Memphis, TN (Clark Tower). You can also join the meeting on zoom. Go to www.TalkShoppe.com and click the Events tab for the link to get into the event online. This Wednesday September 14th, 2022 9A CT “Home Repair 901 and Other Resources Offered by United Housing” Trudie McClelland
Talk Shoppe thanks Kim Halyak of the Cooper Young Garden Walk for her contribution to make Talk Shoppe’s free networking and education free to our community. Connect with Kim Halyak of Cooper Young Garden Walk for some great garden ideas at 901 299-5887
Thank you to Tim Gilliland of www.BackupRX.com for helping us at Talk Shoppe to keep our data backed up and ready to restore in case of a computer crash. Enjoy peace of mind knowing YOUR data is safe and ready to restore when you need it. www.BackupRX.com
Thank you to Brett Carter of Servicemaster by Cornerstone. When you experience a fire, flood or bio hazard in your home or office, don’t go it alone, call Cornerstone to restore your property. Call Brett Carter at 901 832-6005
4. Subscribe at www.JoGarner.com and you can get our weekly blog posts with podcasts conveniently in your inbox.
5. Real Estate Mortgage Shoppe reminds you to MAKE YOUR PLAN. LET’S WORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, DO IT TODAY.
SPECIAL NOTE: REAL ESTATE MORTGAGE SHOPPE RECOMMENDS THAT YOU CONSULT WITH A FINANCIAL, LEGAL OR OTHER CERTIFIED, LICENSED PROFESSIONAL BEFORE ACTING OR INVESTING ON ANYTHING YOU HEAR OR SEE FROM THE CONTENT ON THIS SHOW OR BLOG POSTS. THE INFORMATION WE SHARE ON REAL ESTATE MORTGAGE SHOPPE IS GENERAL IN NATURE MEANT FOR GENERAL EDUCATIONAL PURPOSES ONLY. ALL EXAMPLES GIVEN FOR ILLUSTRATION PURPOSES ON REAL ESTATE MORTGAGE SHOPPE AND ARE BASED ON TRUE STORIES BUT WE USE FICTIONAL CHARACTERS AND DO NOT DIRECTLY REFLECT REAL PEOPLE OR EXACT DETAILS IN ANY OF THE SITUATIONS.
“Whatever you are thinking about doing, do it NOW, NOW, NOW” John Maxwell
Mark McLaurine of Refrigeration Unlimited (901) 216-7782
Kelly Inman of Next Day Access (for stair lifts, grab bars and wheel chair ramps) firstname.lastname@example.org
Leah Ann Morse for CARTRIDGE WORLD OF COLLIERVILLE saving you 30% of more on your printing costs 901 853 3230
Transitional Music: “Castle on the Hill” by Ed Sheeran; “Our House” by Madness; “Home” by Phillips Phillips
PICK UP YOUR COPY OF “CHOOSING THE BEST MORTGAGE-THE QUICKEST WAY TO THE LIFE YOU WANT” by: JO GARNER
An essential guide for real estate professionals and their customers.
Now on Amazon and Barnes and Noble
ABOUT ED HILL OF MASTERS ROOFING
Ed Hill has been in the residential roofing industry since 2008 and has been Senior Consultant with Masters Roofing Memphis TN since 2010. He has personally assisted about 800 homeowners with roof replacement and many others with roof and exterior repairs. He is an active member of the Greater Memphis Business Network International chapter and is the official Masters Roofing consultant to TPC Southwind. He holds three earned degrees including a doctorate but tries not to let those get in his way of serving his customers! For free roof advice, free inspections, and free estimates and bids for roof replacement or roof repair call Ed Hill at 901-273-6594. Learn more at #EdHillMastersRoofing and at MemphisHomeMaintenanceShow.Podbean.Com
Ed Hill, Senior Consultant
2845 Stage Center Cove
Bartlett TN 38134
TN State Licensed Contractor #00067521/ Reciprocal Licenses MS & AR
BBB A+ Accredited Member Business
Platinum Preferred Contractor Owens Corning / GAF Master Elite Installer
Guild Quality Member / Angie’s List
You Tube Channel: Ed Hill Masters Roofing
ABOUT CLINT COOPER, owner of REDEEMERS GROUP
Clint was born and raised outside of Nashville, TN and is a graduate of MTSU.
He served in Iraq with the Marine Corps Infantry before returning home to Tennessee to live and work in Memphis.
In Nov 2007 he started Redeemers Group.
During his time with Redeemers Group, Clint has published several articles on his areas of expertise. Most recently his first book entitled “Mold Prevention Science” was published and is used by entire the Basement Systems and Foundation Supportworks’ network of dealers to help them communicate with their clients about mold and mold prevention. He teaches CE classes for Memphis Areas Association of Realtors several times per year.
He has also earned the following certifications and licenses:
Basement Systems Waterproofing Certification
Basement Systems Crawl Space Repair Certification
Foundation Supportworks Diagnostics School Certification
National Association of Mold Remediators and Inspectors License
Blue Institute- LEED Training Certification, Member ID#:
Green Building Council, Certification
TN State Board for Realtors CE Authorized Instructor
Clint lives in Germantown, TN with his wife and two children.
ABOUT JO GARNER-MORTGAGE LOAN OFFICER:
WHAT DO YOU WANT TO ACCOMPLISH WITH YOUR MORTGAGE?
(currently working with Cardinal Financial Company, Limited Partnership NMLS #66247 equal housing opportunity 2645 Appling Rd 102 Memphis, TN 38133 ) Online loan application https://online.cardinalfinancial.com/#/p/apply/jogarner
www.cardinalfinancial.org for licensing info www.nmlsconsumeraccess.org/EntityDetails.aspx/company/66247 “Whatever YOUR personal priorities are, my job is to help you get the mortgage terms that will give you bragging rights when you talk about it and help you score on hitting your goals .”
As a mortgage loan officer, my job is to help you get to the benefits you want from your financing terms. What is most important to you? I can help you find the financing terms that will help you get to what you want. What is your comfort level on a house payment? How much are you comfortable paying down,? What type of financing do you need to get the house you want to buy or refinance?
Different clients have different priorities in life—some are buying their first home with very little down payment funds. Some are recovering from medical challenges, divorces or preparing to send children to college and some are embarking on a long term goal of buying properties to build rental income.”
Jo Garner is a mortgage officer with extensive knowledge in tailoring mortgages to her customers who are refinancing or purchasing homes all over the country. She offers conventional, FHA, VA or other loan programs for refinancing and purchases.
Jo can help you look at rent vs buy, when it makes sense to refinance, how to get the best deal on your home purchase financing.
Jo Garner has been in the real estate/financing business for over 25 years. She grew up in West Tennessee and got her start in real estate in Portland, Maine where she first began her real estate career. She received her real estate education from the University of Southern Maine and was personally mentored in San Diego, California by Robert G. Allen, author of Nothing Down, Creating Wealth and The Challenge.
On moving back to West Tennessee in 1987, she went into business buying and selling discounted owner-financed notes secured on real estate. In 1990 Jo went to work for a residential mortgage company and has been a mortgage loan officer for over 25 years. Her goal is to offer excellent, affordable service to her customers, tailoring the loan programs to the specific needs of her clients.
In addition to her work in the mortgage field, Jo Garner is the primary sponsor and founder of Talk Shoppe in Memphis. www.TalkShoppe.com Jo Garner also host the radio show Real Estate Mortgage Shoppe airing on News Radio AM 600 WREC and iHeart Radio with podcasts and show notes published on www.JoGarner.com Pick up Jo Garner’s book on Amazon or Barnes and Noble “Choosing the Best Mortgage-The Quickest Way to the Life You Want”