What You Don't Know Can Cost You: Inspecting Hidden Home & Mortgage Risks

What You Don’t Know Can Cost You: Inspecting Hidden Home & Mortgage Risks

Do you want the confident feeling of knowing you made the best decisions on your home purchase or refinance?

Click the play button to hear stories and other advice from the pros on what to do and what NOT to do when making real estate decisions.

Host: #JoGarner #MortgageOfficer (901) 482-0354

Co-host: #JonRoy #PillartoPostInspectors 901 413-3943

Featuring: #PatGoldstein #midsouthrealtor Crye-Leike Realtors 901 606-2000

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

#avoidrealestatemistakes #homeinspection #homebuyer #mortgagerefinance

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 July 18th, 2026 is: What You Don’t Know Can Cost You: Inspecting Hidden Home & Mortgage Risks. .. 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 Jon Roy of Pillar to Post Home Inspection Company

(Jo) Jon Roy, owner of Pillar to Post Home Inspectors, a national home inspection franchise, who serves Shelby, Tipton, Fayette, Hardeman, and McNairy counties in Tennessee. welcome to your first time in the Real Estate Mortgage Shoppe studio. You take a down-to-earth approach, helping first-time homebuyers clearly understand a home’s condition — without pressure or fear — so they can move forward with confidence.

Take a minute or two and introduce yourself and tell our listeners about some of the services you offer your clients. (Jon has about 1.5 minutes to intro himself and talk about the services he offers his clients)

(Jo) Are you preparing to get a mortgage on a home you are about to buy or refinance?

If the mortgage company requires an appraisal for your transaction, the home condition can create obstacles to getting the value needed or getting approval from the mortgage company. For example, if appraisers notate repairs that affect the structure, security, and sanitation of the home, mortgage companies require these types of repairs to be completed before closing.

In the book “Choosing the Best Mortgage-The Quickest Way to the Life You Want,” I share the story of Martin and Marie (not their real names.) They had moved hundreds of miles away from their home town. Their adult children had moved off too.

Family time was important so they searched and found the perfect home to purchase as a second home where the family members could get together with each other and old friends throughout the year. They were so happy with the house and had started bragging about their find, even before closing.

But, bad news like a dark cloud descended when the appraiser noted several a list of repairs that would have to be done before closing. The seller would not make the repairs and the Millers didn’t have the money to repair the house. Martin and Maria whistled up some of their home repair friends and you can read in the book how they got those repairs done before closing without breaking the bank.

Look for this on the inspection report

Repairs that affect the structure of the home include rotted wood; foundation problems; roof leaks or missing shingles; peeling paint (especially if the home was built prior to 1978); broken siding; electrical, plumbing, or heating problems; or issues with the air and duct systems.

Repairs affecting the security of the home include doors that do not operate correctly, broken locks, or open access to the house from outside. Repairs pertaining to the home’s sanitation include drainage problems, faulty water supply, septic issues; mold; and more. Most underwriters want the trouble areas corrected before closing, but there are some workarounds when items can be fixed after closing, too.

When the repairs must be fixed before closing, the buyer and seller negotiate who will pay for which repairs.. If the seller pays, then he or she cannot pay the buyer with a “repair allowance.” Most traditional mortgage programs no longer allow repair allowances or “carpet and paint allowances.”

Should weather or other circumstance prevent the job’s completion before closing, the mortgage underwriting guidelines permit certain repair items to be completed after closing. Whoever agrees to pay for the repairs can put up funds at closing in an escrow account to pay for repairs when they are done.

There are special renovation loans. For investors buying rental property, there is temporary hard money loans to buy and fix up the house and then we can refinance and payoff the temporary loan.

(Jo) Jon Roy, owner of Pillar to Post Home Inspectors, help us take a closer look at home conditions that can result in hidden costs to home buyers. Let’s go ahead and get started before we go to ad break. Jon Roy 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 Jon Roy, owner of Pillar to Post Home Inspectors. Also, realtor Pat Goldstein of Crye-Leike Realtors will be joining us. 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:
What does a house say when the inspector finds water damage?

(Jon) Answer: “I’ve been trying to leak that information for years.”

(Jon) What costs absolutely nothing—but can save you thousands on a mortgage?

(Jo) Answer: Asking questions before you sign instead of after you close.

(Jo) Today on Real Estate Mortgage Shoppe, we are talking about What You Don’t Know Can Cost You: Inspecting Hidden Home & Mortgage Risks

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

Jon Roy, owner of Pillar to Post Home Inspectors 901 413-3943

2^ND SEGMENT 8MINUTES 50 SECONDS

TALKSHOPPE TIP

PAT GOLDSTEIN, REALTOR WITH CRYE -LEIKE REALTORS IN TN AND NORTH MS 901 606-2000

https://patgoldstein.crye-leike.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

It’s time to talk shop with Talk Shoppe’s Business Tip For Real Estate Professionals. 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 Business Tip today we have Talk Shoppe sponsor Realtor Pat Goldstein, of Crye-Leike Realtors in TN and North Mississippi. Pat, you are known amongst your customers and referring partners as the “Gold Standard” in real estate because you do such a good job with your home buyers and home sellers. Pat Goldstein, what is your Talk Shoppe Business Tip for Real Estate Pros?

(Pat Goldstein gives her 1-min or so tip)

Why getting pre-approved before shopping gives buyers negotiating power.

TOPICS COVERED BY JON ROY, OWNER OF PILLAR TO POST HOME INSPECTORS

Why folks need an inspection

1. Education about their purchase about their home
  1. Info about their major systems, where utility disconnects are
  2. PTP has a whole library called our Info Series that educates about different components or issues
  3. Learn what might be significant and what is typical “home ownership”
  4. Seasonal maintenance checklists
  5. Cost guides
2. Allows the opportunity for renegotiation, repair requests, budgeting for future maintenance, and on some occasions a reason to walk away confidently
3. Bring to light possible safety issues
4. Reduce the chances of possible future financial crisis
  1. When we find unseeable moisture
    1. IR Cameras – what we find
    2. Flipped home advertised All new electrical – only receptacle covers were changed
    3. The federal Pacific electric panel and the invoice from the “electrician”
  2. The importance of Re-inspection
    1. Don’t rely on the seller’s word that agreed repairs have been properly done.

Market Ready Inspections / Pre-listing inspections
1. How homes “should” be sold
  1. Minimal drama
  2. Takes the negation power away from the buyer
  3. Help set realistic price expectations
  4. Gives the seller the opportunity to make minor changes or upgrades
  5. Opens the door to transparency about the property and can lead to selling the home quicker and for more money
2. PTP holds a patent on the phrase “Pillar To Poat Market Ready Inspections”
3. Regular inspection that adds Home Highlights and Opportunities and we can upgrade for marketing by including the measured floor plans and a beautiful Virtual Open House
Unique PTP features
1. Home Manual
2. PTP 360 and Measured Floor Plans
3. Super easy to reach us and book – online, call center, or direct
4. Capacity to serve quickly – growth with great employees
5. On site debriefing and same day reporting
6. Added services
  1. Termite
  2. Mold testing
  3. Sewer Scope
  4. Water quality
  5. Radon
  6. Virtual Open Houses
  7. Flu shots
  8. Help with flat tires

3^RD 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)
(Jon)Trivia Question: What is the name of this building in Memphis, TN?
(Pat) Hint #1: The Gothic 29- story building in Memphis, TN was referred to in 1929 as one of the “Seven Wonders of Memphis” and the tallest building in Memphis at that time.

(Jo) Hint #2 In its hey-day more mail was sent and received at this building than in some small towns. You could see a lawyer, doctor, merchant, beautician, or car salesman. You could get a tooth pulled, buy a steak, or shop for hearing aids, or glasses. You could have a suit custom tailored, deposit your money in a bank, or even arrange to be buried.

(Jo) Hint #3 The building was expensive to maintain and as tenants moved out, it fell into disrepair. Buyers from out of state inspected it and found asbestos, made big plans to renovate it. This building languished from 1986 until recently. There are plans by the current owner to put $175 million in renovations into it and bring it back to life.

(Jon) give Answer: The Sterick Building in downtown Memphis

(Jo) Today on Real Estate Mortgage Shoppe, we are talking about What You Don’t Know Can Cost You: Inspecting Hidden Home & Mortgage Risks

Jon Roy, owner of Pillar to Post Home Inspectors 901 413-3943

Pat Goldstein, Realtor with Crye-Leike Realtors in TN and North Mississippi 901 606-2000

TOPICS COVERED BY JO GARNER, LICENSED MORTGAGE OFFICER

Avoid Risk on Your Financing

Know Thyself and Thine Own Budget- Nicky and Nuri would have bought a house a long time ago but the whole process seemed so daunting. Besides, their spending habits fluctuated and they didn’t even know who much they could comfortably pay on a monthly mortgage payment. What if they bought a house they couldn’t afford and then lost it later. Too scary to ponder…

Their friends were buying homes and no longer had a rent payment going up each year. When Nicky and Nuri’s friends invited them to go on a cruise ship vacation with them, Nicky and Nuri couldn’t afford to go. While their friends were off enjoying life on a cruise, Nicky and Nuri got serious and started going through their bank statements and credit card statements. How could they be blowing so much money on stuff each month?

After working on their budget and getting a little emergency fund put back, Nicky and Nuri felt more confident in how much they could afford on a monthly mortgage payment.

They visited a mortgage officer some family members had used. The mortgage officer helped them and their realtor get an idea of the maximum home price ranges they needed to keep their mortgage payment within their comfort level. The mortgage officer reminded Nicky and Nuri that the monthly house payment included the principal and interest payment on the mortgage but also the homeowner’s insurance, property taxes and some mortgage insurance to cover the lender. Some neigborhoods they saw, there was an additional homeowners association monthly fee. In their case, they also needed to rearrange some debt to make a little more room the the house they really loved.

Do This. But Don’t Do That To Avoid Delay and Making Costly Mistakes

Do send your income and asset documents and other supporting information the mortgage company request within 24-48 hours
Don’t change jobs during the loan process and do not change the way you are paid with your employer during the loan process
Don’t be moving money around from one account to another. Don’t make large deposits other than payroll. Money that is not seasoned for about 60 days in a bank cannot be used to qualify on the mortgage. If you want to use it, deposit it into your bank and let is season for a couple of months. Don’t spend unbudgeted money out of your accounts before closing
Don’t open any new credit accounts. Don’t add balances owed to your credit cards. Don’t cosign for anyone. Pay your bills on time. Right before you close, the mortgage company will do a soft pull credit review to make sure you have been behaving yourself.
Do follow instructions from your lender, your realtor and title company to avoid having your money stolen from a hacker redirecting your wired home loan closing funds. Preferably go to the title company who will be closing your loan to get the wiring instructions on where to send your closing funds.

Get the Right Mortgage the First Time, and Pay Less Over Time

FHA vs Conventional If you are putting 5% or more down when you purchase a home and you have good credit, the conventional loan is probably the better choice over the government FHA loan. The FHA loan has a hefty upfront fee that is added to your loan. The FHA loan charges monthly mortgage insurance too. (And this type insurance only helps the lender.)

Example: On a $200K home with 3.5% down, 30 years on an FHA loan, the base loan amount would be $193,000, but FHA adds an additional $3,377 for upfront FHA Mortgage Insurance onto your loan amount. You are paying back a loan of $196,300. For the second type mortgage insurance, FHA is also going to charge you .55% annual mortgage insurance to be paid over 12 months. (About $88/month to cover the lender)

If your credit is good, you could get a conventional loan instead of an FHA loan and have NO additional mortgage insurance added to the your loan amount. You would still pay some private mortgage insurance per month that helps the lender, but it is eliminated under most circumstances once you have paid your mortgage down enough to have 22% equity in your home.

Conventional programs, in this case save you thousands of dollars over time.

Paying over 20% prepayment to principal balance in the first year?

Consider adding a RECAST feature to your mortgage so you can adjust the payment lower when you pay the balance down significantly.

Compare an adjustable rate mortgage with tight limits on the rate movement from year-to-year. If you are paying down a huge lump sum in the first year of your mortgage and your starting rate is a point or 2 lower than the market fixed rate, you likely will come out paying less per month every month over time. The reason for this is because when the rate adjust on the adjustable rate program, your payment is recalculated only on the unpaid loan balance. I can show you an easy way to compare this on your personal scenario. Contact me at 901 482-0354.

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

Hidden Danger

This is a powerful story about how “what you don’t know CAN hurt you” in the tragic case of a famous pioneering physicist and chemist.

This lady discovered the elements polonium and radium, becoming the first person to win TWO Nobel Prizes in 1903 and 1911. However, because radioactivity was a completely new field of science, she had absolutely no idea how dangerous it was to human tissue.

She carried test tubes of radium around in her coat pocket, stored raw radioactive materials in her desk drawers and remarked how pretty they looked glowing in the dark.

This renowned physicist and chemist made huge strides, advancing the world in harnessing nuclear power. But, she lacked the knowledge that these elements were destroying her health. In 1934, the accomplished scientist, Marie Curie, died of aplastic anemia, a blood disease caused by prolonged exposure to radiation.

Avoid hidden dangers in business and in real estate. When you are buying your first home, your third or fourth home or embarking on a home renovation project, have a professional inspection done before you spend your time and money. Work with knowledgeable professionals who can lead you around pitfalls in the home buying, selling process, renovation process and the mortgage process.

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 What You Don’t Know Can Cost You: Inspecting Hidden Home & Mortgage Risks

Jon Roy, owner of Pillar to Post Home Inspectors 901 413-3943

Pat Goldstein, Realtor with Crye-Leike Realtors in TN and North Mississippi 901 606-2000

REAL ESTATE TIP OF THE WEEK

Pat Goldstein ( about 1 minute) Tip #2 – Get a professional inspection on the home you are buying, even if it is a newly constructed home

Jon Roy’s tip (about a 1 minute tip) When you order an inspection, ask plenty of questions. If possible, attend the inspection so that you fully understand what is on the inspection report.

Jo Garner’s tip : Why the cheapest interest rate isn’t always the lowest-cost mortgage.

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:

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 July 22nd, 2026 9AM central for “Boosting Curb Appeal: First Impressions that Last” John and Jennifer Lawhon of Lawhon Landscaping Design (901) 754-7474

Talk Shoppe says thank you to the generous sponsors who make the free education and networking possible to our local business community. Thank you to our upcoming location sponsor, One City Church Memphis. Come out to their Revive Memphis event and enjoy great music, free food and activities for the kids. Experience, faith hope and love Thursday and Friday July 23^rd and 24^th 2026 5:30pm to 8:30pm and Saturday the 25^th 11:30 AM to 4pm Revive Memphis is happening at Hamp Football Field 456 Tillman St Memphis.

Talk Shoppe says thank you to Zach Roberts of ZR Creations, Digital Marketing company. Connect with Zach at zach@zrcreations.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 “”Good judgment comes from experience, and a lot of that comes from bad judgment.” — Will Rogers

The only man who never makes a mistake is the man who never does anything.

Theodore Roosevelt

ACKNOWLEDGMENTS AND CREDITS

REJOINS:

Stephanie Jones Bourland of Evernest Property Management 901 660-2812
Ed Hill of Masters Roofing 901 273-6594
Troy and Lynn McDonald of Erin McDonald Insurance Agency 901 849-7101

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 JON ROY, OWNER OF PILLAR TO POST INSPECTORS

901 413-3943

Jon Roy is the owner of Pillar To Post Home Inspectors, a nationally recognized home inspection franchise serving multiple counties in East TN and North MS. A Memphis native, Jon is a licensed Tennessee home inspector who completed extensive training through AHIT and Pillar To Post and follows the ASHI Standards of Practice.

Jon Roy is the owner of Pillar To Post Home Inspectors, a national home inspection franchise, and serves Shelby, Tipton, Fayette, Hardeman, and McNairy counties in Tennessee. A Memphis native, Jon brings well over 20 years of experience as a General Manager with Huey’s, where attention to detail, honesty, and clear communication were essential to daily operations and leadership.

Jon completed comprehensive training through AHIT and Pillar To Post, holds a Tennessee home inspector license, and follows the ASHI Standards of Practice. Known for his down-to-earth approach, Jon helps first-time homebuyers clearly understand a home’s condition — without pressure or fear — so they can move forward with confidence.

Jon Roy is the owner of Pillar To Post Home Inspectors, a nationally recognized home inspection franchise serving Shelby, Tipton, Fayette, Hardeman, and McNairy counties here in West Tennessee.

Before becoming a home inspector, Jon spent well over 20 years as a General Manager with Huey’s, one of Memphis’s most well-known restaurant brands. That experience shaped his people-first approach, emphasizing attention to detail, clear communication, accountability, and doing things the right way — skills that translate directly into the inspection process.

Jon made a deliberate career pivot into home inspection after completing extensive professional training, including AHIT coursework, state licensing, two months of classroom-style training with Pillar To Post instructors, and numerous practice inspections. He follows the ASHI Standards of Practice, ensuring every inspection is thorough, consistent, and focused on what truly matters to the buyer.

Known for being down-to-earth and honest about his findings, Jon communicates clearly and without jargon. His goal isn’t to scare buyers — it’s to help them feel reassured and confident in their home ownership decisions, especially first-time buyers who worry about unknowingly purchasing a “money pit.”

With deep Memphis roots, Jon takes pride in helping families make informed, confident decisions about one of the biggest investments they’ll ever make.

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”

What You Don’t Know Can Cost You: Inspecting Hidden Home & Mortgage Risks

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