Thriving, Not Just Surviving for Golden Agers: Housing, Help & Financing
LET’S GET STARTED…(Jo) (Good morning, Memphis! Welcome to our internet listeners and podcast listeners across the 50 states! . Today is May 23rd, 2026. I’m your host, Jo Garner, Mortgage Loan Originator. You can connect with me at www.JoGarner.com. Our general topic is Thriving, Not Just Surviving for Golden Agers: Housing, Help & Financing.
Introducing Donna Roach, Executive Director of Hearthside Senior Living in Bartlett, TN.
“What if one conversation could help you avoid costly mistakes and discover resources that could improve your quality of life?” Click to hear this Real Estate Mortgage Shoppe podcasts with show notes.
Host: #JoGarner #MortgageExpert 901 482-0354
#DonnaRoach, Director #hearthsideseniorliving 901 651-2503
#SherryHarbur #seniorhousingexpert Realtor/Broker HarburRealty.com
Subscribe for weekly Real Estate Mortgage Shoppe podcasts with show notes at www.JoGarner .com
#seniorhousing #assistedliving #homecare #reversemortgage #seniormortgagesolutions
Donna Roach, Executive Director of Hearthside Senior Living, it’s great having you back in the Real Estate Mortgage Shoppe studio. We had a family member who lived at Hearthside and she loved it there. I enjoyed visiting her there too. You all truly bring the spirit of the resident’s own home to your assisted living community. Take a few seconds and introduce yourself. Tell our listeners about the services you offer at Hearthside Senior Living. (Donna Roach has about 45 seconds to intro herself and let our listeners know about the services you offer your clients.)
Introducing Sherry Harbur, Realtor with Harbur Realty
Welcome back to the studio to Sherry Harbur of Harbur Realty. Sherry Harbur, you are an experienced realtor certified as an expert in Senior Housing. You wrote the book “Senior Housing Roadmap,” which I have worn out one of my copies. I highly recommend it. Take a moment and tell our listeners about yourself and the services you offer your clients. (Sherry has about 45 seconds to introduce herself and let our listeners know the types of services she offers.)
Introducing Genell Holloway of Home Helpers Home Care
Genell Holloway of Home Helpers Home Care, it is great having you back in the studio too. At Home Helpers you provide personalized, non-medical support that helps individuals live safely, comfortably, and confidently in their own home. You have a long list of happy customer testimonials. Take a moment and tell our listeners a little about yourself and the services you offer your clients. (Genell has about 45 seconds to introduce herself and share with our listeners about the services Home Helpers offer their clients.)
(Jo) Anything you want in life, usually costs money. Once you decide what you want to do in life, the next step is how is the best way to finance it. Consult with experts whose expertise is connected to the path you are taking.
Use a cash-out refinance to upgrade and modify the home-The Franklin’s Story
The Franklin’s mother had been struggling with her health and needed a lot more care. She could no longer live alone. The Franklin’s wanted her to live with them, but the house needed to be modified to give everyone a private space. They had paid down the mortgage and had a lot of equity.
The Franklins explored buying a bigger home, but it would costs money. The modifications would costs money too. After comparing a number of angles, the Franklin’s decided it was more economical to refinance their current mortgage and pulling some cash out with a low fixed-rate mortgage. The refinance would give them the funds they needed to modify the home so her mother and the Franklins could live together but enjoy the privacy of their own space. Now that their mother was living in their home they were ready to hire part-time caregivers for their mother when they needed them.
(Jo) We have the experts in the house. We have about 5 minutes before we head to an advertising break. Donna Roach of Hearthside Senior Living, Sherry Harbur of Harbur Realty and Genell Holloway of Home Helpers, what are some ways you help your clients thrive instead of just survive during their golden years?
(Go ahead and cover some of your content before the ad break. To be continued in the next segment)
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 Donna Roach of Hearthside Senior Living, Sherry Harbur of Harbur Realty and Genell Holloway of Home Helpers Home Care. 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
(Donna) The Clue: I come in lines upon your face, mapping every smile, worry, and embrace. I can neither be bought nor washed away, marking the passage of every day. What am I?
(Sherry) Answer: Wrinkles.
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(Jo ) The Clue: I am always older than yesterday, yet younger than tomorrow. What am I?
(Donna) Answer: Today.
(Jo) Today on Real Estate Mortgage Shoppe we are talking about “Thriving, Not Just Surviving for Golden Agers: Housing, Help & Financing”
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
Donna Roach, Hearthside Senior Living 901 651-2503
Sherry Harbur, Harbur Realty Harbur.com (H.A.R.B.U.R.dot com)
Genell Holloway, Home Helpers Home Care (901) 414-9696
TALKSHOPPE TIP
MARY LOU NOWAK, RESOURCE4CARE.COM
Talk Shoppe is one of our major sponsors on Real Estate Mortgage Shoppe. Talk Shoppe offers free networking and education to our local business community. If you join the Talk Shoppe Sponsor team, you can get a wide variety of marketing venues at a below-market price. www.TalkShoppe.com
Thank you, Mary Lou Nowak of Resource4Care.com for your support of our business community through your Talk Shoppe sponsorship.
You Empower seniors and their caregivers with vital health and wellness information. You provide speakers, videos and podcasts with specialists to help people make smart decisions about their health and wellness journey confidently. Mary Lou Nowak of Resource4Care.com, what is our Talk Shoppe Tip today?
Mary Lou Nowak shares her tip (about 1 minute)
How do we contact you, Mary Lou? (Mary Lou gives her contact info.
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TOPICS BY DONNA ROACH OF HEARTHSIDE SENIOR LIVING
(901) 651-2503 www.HearthsideSeniorLiving.com
TOPICS BY SHERRY HARBUR, HARBUR REALTY
www.Harbur.com
TOPICS BY GENELL HOLLOWAY OF HOME HELPERS HOME CARE
(901) 414-9696
CONVERSATIONS ON TOPICS WITH THE EXPERTS
Donna “Adult children look at what your parents are considering or going through and what is your life going to look like when you are at the age of your parents. ”
Genell This gives a door for Genell to talk about long term care insurance planning,
Sherry and Jo can discuss real estate aspects – have you purchased a home that will grow in value and/or should you think about selling when the kids are grown. How will this affect finances – put money in your pocket or cause a loss.
Donna We have talked about downsizing and choosing a community or home care so much, why don’t we talk about:
Just because you are downsizing or moving does not mean you are old and incompetent – it means a freer life style
- Freedom to travel more
- New Friends and activities
- Freedom from maintenance and home chores
Living well can include home care or a move because both can provide a way to stay active or connected
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Love home and the memories – so bringing care to you allows for peace of mind and familar surrounding for you and your family to visit
Talk with family – let your choices be known and the planning you have done to get ready for home care, selling a home or moving to a community
- Moves don’t always have to happen without your input, but only if you plan ahead and share that information with your family. Being proactive over Reactive lets you make the choices
- Having a written plan that has already been discussed, then in a place it can be found and reviewed by family in a time of emergeny is so helpful
We talk about this every time but it is important – estate planning – it’s your money so make it work for you
- Estate planning cannot happen during your last years for the best effect
- Starting early is best, but staring NOW is essential
- Does insurance fit in the plan, or does Real Estate fit into the plan?
- If Real Estate fits into the plan, are you maximizing your potential with this or letting investors pay just a portion of the value?
Donna and others We can mention protecting assets in a trust and how to plan for those hidden costs which include long term care services and support. The statistics show the costs of long term care services and support will increase and 70% of those 65 and older do not have funds to cover these costs.
Sherry We talk a lot about downsizing, home care, and senior communities — but maybe it’s time to look at it differently.
Just because you are downsizing or making a move does not mean you are old or incompetent.
Often, it means you are choosing a freer lifestyle.
Freedom to travel more.
Freedom from constant home maintenance and chores.
Freedom to enjoy new friendships, activities, and opportunities.
Living well can look different for everyone. For some, it means bringing care into the home they already love. For others, it means moving to a community that provides connection, convenience, and peace of mind.
Loving your home and the memories attached to it is important. Home care can allow you to remain in familiar surroundings while giving both you and your family reassurance and support.
The key is planning ahead and talking openly with family.
Let your loved ones know your wishes. Share the planning you have already done regarding home care, selling a home, or moving to a community. Major decisions do not always have to happen during a crisis — but that only happens when people plan ahead.
Being proactive instead of reactive allows you to make the choices.
Having a written plan that has already been discussed — and placed somewhere family can easily find during an emergency — can make an incredibly difficult season much easier.
And we talk about this every time because it matters: estate planning.
It is your money and your life’s work, so make it work for you.
The best estate planning usually does not happen during the final years of life. Starting early is ideal, but starting NOW is essential.
Does insurance fit into the plan?
Does real estate fit into the plan?
If real estate is part of your estate planning, are you maximizing its value and potential — or allowing investors to purchase it for only a portion of its true worth?
Planning ahead creates options, confidence, and peace of mind for both you and the people you love.
3RD SEGMENT 12 minutes
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( Small Victories song by Allen McCool playing in background)
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For Did You Know today…(see if you can guess the answer before we do)
Donna Roach to ask the question
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Question: What is the name of this Memphis, TN organization that provides affordable entertainment to senior citizens?
Sherry Harbur gives the hints
Hint# 1: A lady named Meryl Klein recognized that as people grew older, it became increasingly difficult for them to travel to theaters, museums, and concerts. She wanted to flip that dynamic by bringing the art directly to them.
Hint #2: This organization provides hands-on learning courses led by artists. They offer concerts and plays at extremely low prices for senior citizens.
Genell Hollway gives the answer
ANSWER: Creative Aging. You can contact them for more information at www.creativeagingmidsouth.org
(Jo) Today on Real Estate Mortgage Shoppe we are talking about “Thriving, Not Just Surviving for Golden Agers: Housing, Help & Financing”
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
Donna Roach, Hearthside Senior Living 901 651-2503
Sherry Harbur, Harbur Realty Harbur.com (H.A.R.B.U.R.dot com)
Genell Holloway, Home Helpers Home Care (901) 414-9696
TOPICS COVERED BY JO GARNER, LICENSED MORTGAGE OFFICER
Common decisions older mortgage customers are making Do I make the changes to my current home and finances that will allow me to age in place? Some popular loan products are reverse mortgage.
Another financing method is an equity line of credit from the bank or a fixed rate, longer term cash out refinance mortgage to make modifications to the home to consolidate debt to more manageable monthly budget.
Any of these financing methods can help you buy a home more suitable for aging in place. The refinance method can help consolidate other debts to lower the overall payments going out and freeing income to do other things.
The FHA government-backed Reverse Mortgage equity line has undergone some improvements, making them more advantageous for borrowers over 62 years old and their families.
Alva is Tired of Making House Payments & Ready for Her House to Pay HER
Ms. Alva had been living her paid off home for over forty years. She called me excited because a friend told her about a small home in a low-maintenance, zero lot line community that was listed for sale in her neighborhood.
Alva told me, “I am so ready to sell my big, old home and move to a place where I don’t have to manage the cleaning and the yard upkeep. I’m in my 80’s, you know. I want a place I can live in even after I am 100.”
Since the small home she wanted was in a more upscale neighborhood, the price was a little higher than the price she would get selling her paid off home in the older neighborhood.
We looked at what her payment and down payment would be if she got a small mortgage, using the profit on the sale of her home. She had enough income to live with some left over to do things she loved to do.
Alva laughed. “That sounds like it would work, but I don’t have a mortgage payment now. The only thing I pay is my property taxes and insurance—and I don’t even want to have to pay THAT.”
The loan that appealed to Alva the most. The FHA Home Equity Conversion Mortgage reverse mortgage credit line.
This is a simple example for any of our listeners who want to now how the HECM works.
(this is not a rate quote, but a simple example to illustrate how the program works.)
Depending on the value of the home and the age of the homeowner, lets say the homeowner gets a credit line of around $200k. The rates vary yearly, but let’s say they never touched the credit line and earned 6% interest at the end of the year. (This is a reverse mortgage, so when the borrower doesn’t use the credit line, the interest on it gets added to the available credit line. In this case 6% of $200k is $12,000.
The homeowners can use the $12k higher credit line to pay property taxes, insurance, home improvements—whatever they want to do with it. They could use the credit line money, but if they never touch it, the available credit line becomes larger, allowing Ms. Alcy to pay recurring debt every year, the taxes, insurance and any association fees with the reverse credit line. That is how the homeowner can enjoy their pension income or social security to live better than if they were tied down with a mortgage payment.
This loan is like a money tree growing in the backyard. Eat the fruit each year. Just don’t cut down the tree.
What do you want to accomplish with YOUR mortgage? I can help you find the right mortgage and make the process EASY for you. Connect with me Jo Garner at www.JoGarner.com
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
4th Segment 8 minutes and 50 seconds
(THE SONG UpBeat Inspirations PLAYING IN BACKGROUND ) INSIGHTS & INSPIRATIONS
This famous person lived during the Colonial Days in the 1700’s. He went to school until he was 10 years old. Even though his education was cut short, he read books and taught himself to write. This man lived by the saying, “Early to bed and early to rise, makes a man healthy, wealthy and wise.”
At age 42 he ran a very successful printing and publishing company. He could have retired early and taken it easy. But, once he did retire from the publishing business, he threw himself into his hobbies, scientific experiments. He invented how to harness the power of electricity, an efficient stove, and bifocals used in glasses. At the age of 77 years old, Benjamin Franklin signed the Declaration of Independence. He continued making contributions to be betterment of others long after people expected him to quit and sit in his rocking chair. Benjamin Franklin: Did not sign the Declaration of Independence until age 70 and remained actively contributing to the Continental Congress until he was 82.
Retirement can be full and productive. Are you exploring ways to enjoy the rest of your life in comfort and maybe more adventures? Maybe you are exploring fulfilling solutions for your parents or older loved ones?
Talk with an experienced realtor like Sherry Harbur of Harbur Realty to open doors for you with purchasing a home, selling a home or modifying the home you have. Donna Roach has wise advice to help you choose the right assisted living options. I can help you explore financing options for all of these choices—even looking at a reverse mortgage that can pay YOU each month.
(Jo) Today on Real Estate Mortgage Shoppe we are talking about “Thriving, Not Just Surviving for Golden Agers: Housing, Help & Financing”
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
Donna Roach, Hearthside Senior Living 901 651-2503
Sherry Harbur, Harbur Realty Harbur.com (H.A.R.B.U.R.dot com)
Genell Holloway, Home Helpers Home Care (901) 414-9696
REAL ESTATE TIP OF THE WEEK
Donna Roach shares a 30–second tip
Sherry Harbur shares a 30–second tip
Genell Holloway shares a 30-second tip
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 1st 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 June 3rd , 2026 9AM CT “Five Things That Will Take your Air Conditioner Out of Commission.” Presented by Mark McLaurine of Refrigeration Unlimited.
Thank you for your support of our business and health and wellness community through your contributions to Talk Shoppe as a sponsor. For clients who need first-class memory care, call Christine Wood at Opus East Memphis at 901 665-2673.
Thank you also to Tiffany Thornburg of Empowered with Purpose Solutions, LLC for your Talk Shoppe contributions, supporting our business and health community. When it is time to get your Medicare benefits, vision and dental or other health benefits, Tiffany takes the time to educate and be an advocate for her clients Connect with Tiffany at 901 643 5400.
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: Getting old is like climbing a mountain; you get a little out of breath, but the view is much better … Ingrid Bergman.
REJOINDERS:
1. Leah Anne Morse All Things New
2. Allen McCool, Appraiser with Stephenson and Associates
3. Mark McLaurine, Refrigeration Unlimited
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
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REMOTE FROM THE TRACK MEET:
Chuck Bohannan, Booking Agent for Santa Claus in the MidSouth 901 619-6436
Mary Lou Nowak, Resource4Care.com (free education & resources for senior health communities)
Keith Potts, business coach and coordinator for the Play Where You Stay non-profit, helping fund kids to play soccer
ABOUT DONNA ROACH, EXECUTIVE DIRECTOR OF HEARTH SIDE SENIOR LIVING
Hearthside Senior Living 7480 Highway 70, Bartlett, TN 38133
www.HearthsideSeniorLiving.com
(901) 651-2503
The philosophy of Hearthside Senior Living evolved from a rich heritage of caring FOR people and caring ABOUT people. For over 50 years, the Foster family has provided a unique combination of health care for seniors, along with heartfelt hospitality. We strive to bring the spirit of your own home to our assisted living community, where there is freedom within the security of loving guidance and compassion. This unique lifestyle is the key to the “Spirit of Hearthside Senior Living”, where we listen not only with our ears, but with our hearts. Hearthside Senior Living, a retirement community with assisted living licensure, was designed with your health, independence and happiness in mind. You’ll find our surroundings are gracious and encourage relaxation, reflection, wellness, and fine living.
SHERRY HARBUR, REALTOR WITH HARBUR REALTY
Sherry Harbur, Broker and Owner of Harbur Realty. 1984 started my real estate journey in New Mexico and it has been a pleasure assisting buyers and sellers in the Memphis/Midsouth market since 2000! I’ve worked through up and down markets and we get creative to make things happen for our clients best interest, no matter what the market decides to do!
Today, we still work hard for our first-time home buyer, relocation buyers and sellers, and helping our buyers and sellers right size for their current housing needs. We’ve appreciated working with multiple generations in the same family! We also love helping investors build their portfolios while making sure they truly understand our Memphis market before investing here.
We are very passionate about representation for our 55+ community. We have witnessed some serious senior abuse in their housing sales and it is heartbreaking to know their one asset that they could live on was sold at steeply discounted prices. We are adamant about taking education to our communities to help protect this class, so this last year we wrote a book called “Senior Housing Roadmap”. We want to get this into as many hands as possible for our senior community or their families. We deliver the books for free or can send them a digital link if they want to read it on their phone or iPad.
We then offer free workshops and provide a free workbook for them to work with — we call it a “Roadmap”, because it helps avoid a WRECK in their real estate planning. This is for anyone that owns a home and do not have a PLAN for what to do going forward. It allows them to know what their “Scenic Route” ahead would look like if all goes as planned, but it also gives direction for their family in the event things turn and they have to “Fast Track” into different housing. It’s always nice when we know what our loved ones desire and we can work towards that goal even if they are not able to communicate that to us at some point.
Sherry Harbur, Realtor
Harbur Realty
(901) 496-8193
www.Harbur.com
ABOUT HOME HELPERS HOME CARE
Tim Flesner and Genell Holloway
https://homehelpershomecare.com/germantown
(901) 414-9696
About Home Helpers® Home Care
Choosing care for someone you love is a deeply personal decision. It comes with questions, emotions, and a desire to find support you can trust. At Home Helpers® Home Care, we understand that journey, and we’re here to walk it with you. As a trusted home care agency, our focus is simple: provide thoughtful, personalized support that helps individuals live safely, comfortably, and confidently in the place they know best home.
Trusted care starts with a conversation. Call (901) 979-0355 or schedule your free in-home assessment to discover how Home Helpers can support your family with personalized, dependable care.
Care That Feels Personal
We believe care should feel like an extension of family. That means taking the time to listen, understand, and create a plan that reflects each individual’s needs, preferences, and daily routines.
Our caregivers are more than experienced professionals; they are compassionate individuals who are committed to building meaningful connections. As a leading home care agency, we focus on delivering care that feels respectful, supportive, and truly personal.
Our Mission
At Home Helpers®, our mission is to provide care that brings comfort, independence, and peace of mind to every home we serve.
We are committed to:
- Supporting individuals in maintaining independence at home
- Providing reassurance and peace of mind for families
- Delivering care with compassion, dignity, and respect
- Creating a safe and comfortable environment for everyday living
This is what defines us as a home care agency—care that goes beyond tasks and focuses on people.
Supporting a Wide Range of Needs
Every care journey is different. As a full-service home care agency, we provide support for individuals and families in a variety of situations, including:
- Older adults who need help with daily routines and companionship
- Individuals recovering from illness, injury, or surgery
- New parents adjusting to life with a newborn
- Families balancing work, caregiving, and home responsibilities
- Individuals managing ongoing or long-term care needs
Our goal is to provide the right level of support at the right time, always tailored to the individual.
Trusted care starts with a conversation. Call (901) 979-0355 or schedule your free in-home assessment to discover how Home Helpers can support your family with personalized, dependable care.
A Foundation of Trust and Experience
Since 1997, Home Helpers® Home Care has been committed to delivering high-quality, in-home support across the country. Our experience has shaped how we approach care—with empathy, consistency, and a focus on what matters most.
As a nationally recognized home care agency, we carefully select and train caregivers who are dedicated to providing dependable, compassionate support. We believe trust is built through every interaction, every day.
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”