TREES, TEARS AND TARPS AND THE FINANCING THAT CAN FIX THEM

TREES, TEARS AND TARPS AND THE FINANCING THAT CAN FIX THEM

Ideas and resources you can use to financing and fix damage from storms and life turbulences.

Host: #JoGarner #MortgageExpert 901 482-0354
Co-Host #EdHill #MastersRoofing 901 273-6594

Featuring: #BrandieSpicer #HowlingWolfBookkeeping www.HowlingWolfBooks. Com

Subscribe for weekly podcasts, show notes from Real Estate Mortgage Shoppe at www.JoGarner. Com
#homerepairs #roofrepairs #mortgageloan #mortgagerefinance #moneymanagement

1^ST SEGMENT 12 MINUTES

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 topic today September 12^th, 2026 is: TREES, TEARS AND TARPS AND THE FINANCING THAT CAN FIX THEM. Thank you to attorneys Shelley Rothman and Rob Draughon of Griffin, Clift Everton and Maschmeyer Law Firm for sponsoring this episode. When you are ready to buy a home or refinance one, call Rob and Shelley for the title work and closing. 901 752-1133.

Introducing Ed Hill of Masters Roofing

(Jo) Back in the co-host chair we have Ed Hill of Masters Roofing. You have a great reputation for doing excellent work on roof repairs and replacements and assisting your clients with storm damage repairs. You also keep your customers happy with other types of exterior home repairs. Ed Hill of Masters Roofing, take a minute or two and introduce yourself and tell our listeners about some of the services you offer your clients. (Ed has about 1.5 minutes to intro himself and talk about the services he offers his clients)

(JO) “A storm came through last night, there’s a tree on your roof, water is coming in, and you don’t know what insurance will pay. What do you do first—and how do you pay for what comes next?”

“Don’t ask only, ‘How can I borrow the money?’ Ask, ‘What’s the least expensive way to solve the problem without creating a bigger financial problem?’”

Here’s some places to go treasure hunting

Homeowners insurance — usually the first call. If wind, hail, a fallen tree, or another covered event caused the damage, Take photos and video before permanent repairs whenever safely possible. Call Ed Hill of Masters Roofing 901 273-6594 and Troy and Lynn McDonald at Erin McDonald Insurance Agency 901 849-7101 for help with how to file a claim and how NOT to file a claim.

FEMA assistance — potentially money you don’t repay. If the area receives a qualifying federal disaster declaration, FEMA assistance may help with essential home repairs and other disaster-related needs not covered by insurance. It isn’t intended to restore everything to pre-storm condition, so insurance remains important.

SBA disaster loan — homeowners can qualify even though it says “Small Business.” In a declared disaster, SBA Disaster Assistance

Home equity line of credit . If you have substantial equity and need to get contractors moving before an insurance settlement is complete, a HELOC can provide relatively quick access to funds.

Cash-out refinance or renovation mortgage. For major repairs, refinancing may provide enough money to rebuild or make substantial improvements. But don’t automatically replace an existing low-rate first mortgage just to get repair money; compare other options.

Contractor financing or an unsecured personal loan. These can sometimes be among the quickest solutions but convenience can come with a higher rate.

Credit cards — best reserved for true emergencies and extremely expensive.

401K borrow against your retirement fund is an option to explore.

Home Warranty? If you have a home warranty, it might pay for some of the repairs

Refinance a different property for cash out.. If there is not enough equity in the home that needs repair, we can refinance with cash out secured on a different property you own to get funds to repair the one with damage. .

.Tax Relief.. Beginning in 2026, federal tax law expanded eligibility for certain personal casualty-loss deductions to include some losses from state-declared disasters. Ask your CPA advisor.

I have a few more rabbits to pull out of the hat if the options I have already shared will not work for you. Call me directly after this show at (901) 482-0354 or connect at www.JoGarner.com .

(Jo) Ed Hill of Masters Roofing, you have some tips that can help us when we need to repair storm damage. Since have a few minutes before we go to an advertising break, let’s go ahead and get started. (Ed starts launching into some of his topics until break. (about 3 minutes)

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. We have Brandie Spicer of Howling Wolf Bookkeeping coming in to offer some tips about your money. Stay tuned.

2nd segment is after first break 8 minutes 50 seconds

( Waaka Waaka song in background ) COMIC QUERIES (you probably already know the

(JO ) Riddle:
Riddle: What lets the sunshine into your house for free but charges you thousands every time it rains?

(Ed) Answer: A hole in the roof.

(ED ) Riddle: What do you get when your roof says, “I can’t hold up anymore,” and your bank account says, “Neither can I”?

(Jo) Answer: A loan.

(Jo) Today on Real Estate Mortgage Shoppe, we are talking about TREES, TEARS AND TARPS AND THE FINANCING THAT CAN FIX THEM

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 in Bartlett, TN 901 273-6594

2^ND SEGMENT 8MINUTES 50 SECONDS

TALKSHOPPE TIP

Brandie Spicer of Howling Wolf Bookkeeping
www.howlingwolfbooks.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, real estate and health and wellness 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

It’s time to talk shop with Talk Shoppe’s Tip. Talk Shoppe is a marketing company offering free education and networking to anyone interested in real estate or in business or health and wellness. Talk Shoppe is made possible by the financial support of its sponsors. For more about Talk Shoppe, go to www.TalkShoppe.com (shoppe) For our Talk Shoppe Tip today we have Talk Shoppe sponsor Brandie Spicer of Howling Wolf Bookkeeping. Brandie helps her customers enjoy an easier life and a more profitable business. Brandie Spicer, what is our Talk Shoppe tip today?

Brandie’s tip: be prepared. The 1st documents your MLO will request are your tax return(s) & your financial statements. Be UTD & provide all documents in a timely fashion & they will know you have an active handle on your business & your finances. This provides piece of mind not only for lenders but for you as the borrower too.

TOPICS COVERED BY ED HILL OF MASTERS ROOFING

(901) 273-6594

Once again severe weather has ransacked towns and cities across the land. The urgent needs are immediately apparent. When trees are on homes and rain water is where it shouldn’t be, it’s time to follow a proven storm recovery plan.

Storm damage may include tree falls, tree strikes, tree punctures, roof shingles blown off, ventilation pipes crushed or missing, rain water leaking or pouring into homes and businesses, siding or metal roofing missing, and windows shattered, among the many forms of damage that may have occurred.

Document In Detail The Damages: As soon as safely possible take video and photographs of the exact damages that have occurred. Save evidence in the form of hail stones that you collect and store in a freezer to preserve them for the insurance adjustor.

Communicate With Your Insurance Agent: Provide videos and photographs to your insurance company. Follow the recommended steps to reduce damage such as tarps and buckets to catch leaks and file an insurance claim based your agent’s instructions.

Contact Emergency Short-term Help: Use your list of emergency contacts and contractors to get the proper help for the exact damage(s) that occurred. Remember, you made need the assistance of more than one type of service provider. As an example, if a large tree has fallen on a home, the owner may need a tree service, a roofing contractor, a plumber and an electrician to deal with the many kinds of damage present.

Contract With Ongoing Long-term Help: Once the immediate disaster is under control, then to expedite storm damage recovery, work with the trades people and professional service providers of your choice. Storm recovery might not take only a few days or week, it might take months or a year of more to completely recover from the physical effects and even longer to heal from the stress and emotional trauma of such disasters.

Community Storm Response Team: One way to be better prepared for the next severe storm is to work with family, friends and neighbors to develop a plan to recover from the next storm by organizing and SRT. Spread out the expenses by sharing the costs of tools, equipment and supplies. A neighborhood SRT could have a dependable supply of tarps, chain saws, ropes, snow shovels, rock salt and more to take care of neighbors in the event of sudden storm damage.

Ed Hill, Senior Consultant with Masters Roofing Memphis, started in the home maintenance and improvement industry in 2001 and is the host of MemphisHomeMaintenanceShow.Podbean.Com. Ed is also a monthly trades guest for Real Estate Mortgage Shoppe heard at 11:05 a.m. on Saturdays on KWAM Memphis 990 AM/107.2 FM. Contact him directly 901-273-6594 to request inspections and estimates in the Memphis region.

What should I do if a contractor knocks on my door immediately after a storm?

Ed Hill, is Senior Consultant with Masters Roofing in Memphis, TN and also the host of MemphisHomeMaintenanceShow.Podbean.Com which is heard across America and around the world. If you would like to discuss your home exterior, interior or roofing concerns and seek advice and assistance then reach Ed directly at 901-273-6594.

SEGMENT 12 minutes

( Small Victories Song by Allen McCool playing in background)

For Did You Know today…(see if you can guess the answer before we do)

(Ed to ask the trivia question) What is the name of the major storm that hit Memphis, Tennessee this August 2026?

(Jo) Hint #1 This storm brought 60 to 80 miles per hour winds, knocking out power to 140,000 people in its wake. It racked up a gargantuan $18 million dollar price tag in just six days to repair the damage.

(Jo) Hint #2: MLGW and the City of Memphis routinely rely on the Federal Emergency Management Agency (FEMA) to reimburse 75% of their storm recovery costs. However, because federal money can take months or years to actually arrive, the state of Tennessee had to roll out a specialized $100 million no-interest loan program just so local municipalities wouldn’t miss payroll while waiting for their federal storm cash. Just like homeowners, the city has to finance storm repairs too. What is the name of that August 2026 storm?

(Brandie gives the answer : THE BOW ECHO STORM

(Jo) Today on Real Estate Mortgage Shoppe, we are talking about TREES, TEARS AND TARPS AND THE FINANCING THAT CAN FIX THEM

Ed Hill of Masters Roofing in Bartlett, TN 901 273-6594

Brandie Spicer of Howling Wolf Bookkeeping www.howlingwolfbook.,com

TOPICS COVERED BY JO GARNER, LICENSED MORTGAGE OFFICER

Some examples of how others used financing to weather the storm.

“Don’t ask only, ‘How can I borrow the money?’ Ask, ‘What’s the least expensive way to solve the problem without creating a bigger financial problem?’”

STABLE SALARY, SOCKED IN SAVINGS AND THE SUDDEN STORM THAT TOOK THAT AWAY-CALEB AND CONNIE CARMICHAEL’S STORY

(Jo) One common denominator I believe we share is that we have all experienced some bad weather storms AND some financial turbulence in our lifetimes. Its been a learning experience at many levels on what you did right and things to remember NOT to do. You are in good company…

I want to share a story of a past client of mine who experienced a personal AND financial storm that crashed down on his family like a typhoon out of nowhere. Back around 2009, a former client of mine called me very distraught. He had been in a very high managerial position at a big company for over 20 years, and was someone we would consider in the lending industry to be very stable and socked in financially. But no one is totally bullet-proof. What he said next stunned me.

He matter-of-factly blurted out, “ Jo, I lost my job. My family and I have been living off savings for several months. My spouse was diagnosed with a life threatening illness the day after I lost our health insurance. If we don’t find a solution quickly, we are going to lose our house and everything we have built together.” As he shared his story, it felt like a wall of cold water crashed over me. At first, I didn’t know what to say. A few minutes later he and I were going through the steps he needed to take to try and save his home from foreclosure.

Someone said that “when you are going through a hard time, don’t stop, keep going. This too shall pass.” Even though it was a grueling time for this family, my former client and his spouse pulled together, took assessment of their situation, accepted help from others and employed some resources available to them through some well known agencies in the Memphis area. They are back on their feet. I personally think that people who have come successfully through that kind of adversity should write a book to help others.

The Winfields—get the home that is just right with a renovation and repair mortgage

Mr. and Ms. Winfield own their own business. They found a home that with a huge shop and a location that would, over time really pay for itself. Their heart was set on getting this home.

The problem was that the house needed about $60,000 worth of repairs. The lender was going to require almost all of these repairs be done BEFORE closing because these repair items affected the safety and habitability of the house. The seller would not allow them to do any work on the house until after they owned it. The Winfield’s were in a Catch 22. They could not close on the house until the repairs were done, but they could not do the repairs until they owned the house.

The solution for them was better than they originally thought. The renovation and repair loan would allow them to the sales price of about $200,000 and add the cost of the $60,000 plus some reserves for overruns making the total around $270K to 275K. The program required a licensed general contractor to do the work.

The Winfields would only have to pay a little over 3% of this total as a down payment plus closing costs and some extra costs for the inspections on the work and title updates and a licensed repair coordinator. If the seller would have been willing to pay their closing costs, the Winfields could have gotten in with just a little bit over 3% percent down –just under $10K.

Since the seller was not willing to pay any closing cost in this case, all total the Winfields figured they would have $24,000 of their own money in the deal, but the house would be worth around $340,000 when the renovations were done. Was paying the extra costs for the renovation and repair loan worth the money and extra effort? They were walking into instant equity of the upper $50 thousands to low $60 thousand with a relatively low, fixed rate 30-year mortgage. The deal was definitely worth it to them since they would end up with so much equity.

The financing available for the purchase of a primary residence like this bargain-priced fixer-upper home are the FHA 203K renovation and repair loan and a conventional product also with similar guidelines. Both programs allow a very small down payment. This program may not be worth the extra financing costs if the Winfields just barely broke even with the loan amount and value. It’s a bargain deal if you can realize enough equity or profit from buying a house this way.

TWO THINGS TO DO TO KEEP YOUR FINANCIAL UMBRELLA HANDY

The financial experts online and in books have been telling us for years to keep our house payments under 25% to a low 30% of our income. They have told us to keep our debt, including the house note, under 43% and preferably in down in the 30% range or less.

We have heard them tell us to keep a minimum of 3 months living expenses in savings for a rainy day if we are stable and salaried. They said keep a minimum of one year of living expenses in the rainy day fund if we are self-employed. That seems like a lot, but remember when some businesses where shut down for almost a year in 2020?

Are you looking to make some changes to where you live or just to the mortgage terms on the home where you live? Let’s look at some strategies to lower your payments or shorten the term and get rid of the mortgage payment sooner. What do YOU want to accomplish with YOUR mortgage to keep you sheltered from financial storms? Call me at (901) 482-0354 or connect with me 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

4^th Segment 8 minutes and 50 seconds

(THE SONG UpBeat Inspirations PLAYING IN BACKGROUND ) INSIGHTS & INSPIRATION Jo shares this story

Rebuilt from Devastation to Better Life

In 2005, one of America’s greatest natural disasters devastated a city famous for its music. Homes flooded, possessions disappeared, and musicians who had spent their lives creating the sound of New Orleans suddenly had nowhere to live.

But one famous musician decided devastation didn’t have to have the last word.

He joined with fellow musician Branford Marsalis and Habitat for Humanity to create Musicians’ Village—new affordable homes where displaced musicians could rebuild their lives. Qualified families helped build the houses themselves through “sweat equity” and received affordable, zero-interest mortgages.

The storm destroyed buildings, but it couldn’t destroy a community’s determination. And what came back wasn’t simply houses—it was a neighborhood designed to keep New Orleans music alive. Grammy Award Winning singer, pianist, composer and actor, Harry Connick, Jr. led the charge to rebuild from devastation to a better life.

Did you experience trees, tears and tarps during the recent storm at your house? Can you remember trying to recover from a storm from the past? Whether is it a weather related storm or one of life’s personal storms that try to blow you of course-rebuilding starts when someone gives you a hand. It is ok to ask for help and advice. Or, you might be the person to reach out to help someone else.

If you want to buy a home, a vacation home or some investment property, I can help you with the right mortgage program and we will make the process easy. If you need to finance the repair on these properties, we can find ways to finance and get you money you didn’t know you had. Connect with me as your mortgage loan officer at 901 482-0354 or JoGarner.com

Sometimes rebuilding better starts when someone gives you a hand—and a way to finance the future.

Let’s talk about what you can accomplish with your mortgage. I can help you find the right mortgage and make the process easy. Connect with me at (901) 482-0354 or JoGarner.com

(Jo) Today on Real Estate Mortgage Shoppe, we are talking about TREES, TEARS AND TARPS AND THE FINANCING THAT CAN FIX THEM

Ed Hill of Masters Roofing in Bartlett, TN 901 273-6594

Brandie Spicer of Howling Wolf Bookkeeping www.howlingwolfbook.,com

REAL ESTATE TIP OF THE WEEK

Brandie Spicer’s tip: Make sure you keep a healthy amount of money seasoned in a bank and not stuffed in your mattress. When you try to borrow for a home, a car or a business loan, bankers want to see the money in your savings has been there for 30 to 60 days.

Ed Hill of Masters Roofing tip:

Jo Garner’s tip : Keep your credit reports looking nice with high scores. The higher your credit scores, the less you pay for borrowing costs.

A great score is over 740. An ok score is 680 to 700 Below these scores you could see borrowing challenges.

Pay down credit cards to show that you never use over 30% of your credit limits on each.

What do YOU want to accomplish with YOUR mortgage? I have the knowledge and experience. Let’s look at traditional mortgage products, alternative mortgage products and even combinations of products. I can help you get you what you need and make the mortgage process EASY. Jo Garner, Mortgage Loan Officer 901 482-0354 www.JoGarner.com

ANNOUNCEMENTS:

Thank you to one of our major sponsors. Talk Shoppe equips with education, engages by offering connection opportunities between business people and empowers businesses in a supportive community. (Thank you Talk Shoppe’s location sponsor, One City Church 120 N East Yates Rd Memphis, TN. One City Church is where people are committed to proving love works in Memphis and beyond.)

Talk Shoppe meets every Wednesday 9A-10A CT at One City Church 120 N East Yates Rd Memphis, TN.

This Wednesday September 16^th 2026 Terry Mecklin will be speaking on “The Gut Connection: More than Just Digestion.” This is a Health Talk powered by Resource4Care.com; Sponsored by Tim Flesner and Genell Hollowell of Mid-South Home Helpers (non-medical help for your loved ones) (901) 414-9696 and hosted by Talk Shoppe talkshoppe.com

A shout out for Redeemers Group foundation and crawlspace repair (now called Redeemers Structural Solutions) for your contribution to our real estate and business community through your Talk Shoppe sponsorship. After the long hot dry weather, you may see some cracks growing along your foundation, walls and across floors. Get a free inspection to make sure a bigger problem isn’t lurking www.RedeemersStructuralSolutions.com

Let’s remember those who lost their lives and some who GAVE their lives during the 9-11 attacks 25 years ago. We have plenty of heroes today ready to help someone else. What can you do today to be a hero to someone else?

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 “Not all storms come to disrupt your life. Some come to clear your path.” From the Power of Positivity

ACKNOWLEDGMENTS AND CREDITS

REJOINDERS:

Mark McLaurine of Refrigeration Unlimited 901 216-7782
Lynn McDonald and Troy McDonald of Erin McDonald Insurance Agency 901 849-7101
Preston Wilson, Probate, business asset, estate and trust attorney 901 484-1988

Transitional Music: First Segment “WAAKA WAAKA” (PD) for Comic Queries; “Small Victories” ” by Allen McCool ( www.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

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”

TREES, TEARS AND TARPS AND THE FINANCING THAT CAN FIX THEM

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