What do you want your life to be like? Write down the description, cut out pictures representing the life you want. If you can dream it, you can do it. We are going to share some stories of how people we know found the way to the life they wanted.
YOUR HOME, YOUR LOAN & YOUR LIFE-IF YOU CAN DREAM IT, YOU CAN DO IT
Sat Nov 2nd 2024 9AM CT News Radio AM 600 WREC 92.1 FM iHeartRadio
Host: #JoGarner #MortgageExpert (901) 482-0354
Co-host: #JohnLawhon #LawhonLandscaping (901) 754-7474
Special tip from #leahAnneMorse All Things New WTN (organizing and moving) 901 488-9733
Subscribe for weekly Real Estate Mortgage Shoppe podcasts with show notes www.JoGarner.com
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 general topic YOUR HOME, YOUR LOAN & YOUR LIFE-IF YOU CAN DREAM IT, YOU CAN DO IT Today is November 2nd, 2024 Call us in the studio while we are live at 901 535-9732. This episode of Real Estate Mortgage Shoppe is sponsored by real estate attorneys Rob Draughon and Shelley Rothman of Griffin, Clift, Everton, Maschmeyer Law Firm. For title work and closing on your home purchase or refinance, call Rob and Shelly at 901 752-1133.
Introducing John Lawhon of Lawhon Landscaping
John Lawhon of Lawhon Landscaping it is so good to have you back in the studio. You have helped others create and design beautiful landscapes for their home or place of business. You help them discover how THEY can create the life they want outside at their home. I have heard a lot of stellar testimonies about your work and your landscape designs. A lot of our listeners have seen some of your landscape designs at the Page Robbins Center, Collierville, TN Main Street and a few others. You can take a spot that looks bare and boring and bring beauty and excitement. Take a moment and tell our listeners a little about yourself and what Lawhon Landscape does for your clients (John Lawhon introduces himself and talks about what Lawhon Landscaping does for his clients.)
(Jo) Getting a vision in mind of what you yearn for your life to look like reminds me of something my sales coach told me a while back. He said, “When you have clear vision, you will have greater endurance. “
DIANA NYAD’S STORY
Then he told me the story of Diana Nyad, the first person known to swim from Cuba to Florida unaided. Diana tried several times to accomplish this goal and failed. Once she was attacked by a jelly fish. Another time she tangled with some aggressive sharks, but most of her failures came from sheer fatigue.
The final time she made the attempt to swim from Cuba to Florida, she was becoming extremely tired just in times past. But this time her coach, who was on a nearby boat, looked up and started yelling to Diana, “ Look up at the light! Do you see that light ahead?”
Diana was so worn out as she swam. She could barely see a light in the distance and thought it was a sunrise. Her coach started waving his arms and yelling louder, “That light is on the Florida coastline! Don’t give up, Diana! Keep swimming!” Once Diana got the clear vision of the Florida coastline, a new flood of adrenaline pushed her forward with a new endurance that bolstered her across to accomplish her vision. (By the way, Diana Nyad was in her 60’s when she made this record-breaking swim.)
USING VISION BOARDS TO GET WHERE YOU WANT TO GO
Who do YOU want to be as a human? What does your home and your home life look like the way you want it to be? How do you want your family situation to be? Do you want children, friends in your home? How to you want to feel on a typical day in your life? What do you want people to be saying about you?
I challenge you to build a vision board for yourself. My retired US Navy friend convinced me to make one and they really work. Print pictures that represent the way you want your life to look and feel– your home, your work and more. Cut pictures out of magazines, print pictures that you find online and paste them on your vision board. Then put your vision board where you can see it everyday and watch what happens.
I believe that you can accomplish ANYTHING owning real estate. And if you buy it right and keep buying more of it, the possibilities are endless on what you can do in life for yourself and others.
First-time Homebuyer- What do YOU want to accomplish with YOUR mortgage? Are you wanting to buy your first home? What are the obstacles preventing you from buying right now? Your adventure awaits – and the story is a good one.
Too Much Credit Card Debt- Do you have a family situation that has gotten you into too much credit card debt? Let’s explore an easier path to getting it paid off with some debt consolidation.
(JO)
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
(Jo) John Lawhon, you just solved a big drainage problem for me at my house. You had the experience to design it aesthetically and complete it affordably—Loving that combination. Take a moment before we go to break and launch into one of your topics. (John has a couple minutes to launch into his topics until 9:15 break. We can continue after break)
OUTRO: You’re on Real Estate Mortgage Shoppe. I’m your host, Jo Garner, Mortgage Loan Originator. What do YOU want to accomplish with YOUR mortgage? I can make the mortgage process EASY for you with the right mortgage. Connect with me at JoGarner.com When we come back, we will be hearing more from John Lawhon of Lawhon Landscaping and also Leah Anne Morse of All Things New will be calling in with a helpful tip.
2nd segment 9:18 am – 9:30 am
2nd segment is after 9:15 break from about 9:18Am to 9:30 AM break
(901) 488-9733
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 Leah Anne Morse of All Things New. Leah Anne Morse, you and your team have SO MANY happy fans. You specialize in organizing and moving people who are down sizing, making lateral or upward moves. You help your clients have a positive experience. You help them create the living space that makes them feel good. Leah Anne Morse of All Things New what is our Talk Shoppe tip today?
TIP:
TOPICS BY JOHN LAWHON OF LAWHON LANDSCAPING
TOPICS COVERED BY JOHN LAWHON :
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What type services does Lawhon Landscape offer your clients?
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Fall is a terrific time to plant shrubs and trees to create the outdoor.. Winter is NOT a good time to drastically prune trees and shrubs. Mulch around these plants (not on them) to give them a blanket. Taking care of your plants will give you a space that you can enjoy this fall and for years to come.
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What questions do you ask a homeowner who is trying to decide what type of landscaping design or outdoor living areas will work best for them
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Where will the family members spend most of their time and activity?
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Are the family members using this space handicapped, elderly, toddlers, teenagers?
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Will there be pets? How many? What type? What special provisions need to be included in the landscape to accommodate the pets?
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What type activities will be common at the home? (bar-b-que parties, swimming or just hot tub time, vegetable and herb gardening, quite patio relaxing, swing set, tree house or other activities for the children?)
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What type drainage or irrigation needs will the property need?
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Are there visual barriers or sound barriers needed between the client’s home and the neighbor’s property?
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Does the landscaping need to be very low maintenance?
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Does the client want plants selected so that something is in bloom and colorful, making their lawn pretty as a picture all year?
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Tells a story about a landscape design that will illustrate some of these points.
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3rd SEGMENT 9:35 AM-9:45AM)
TOPICS COVERED BY JO GARNER, LICENSED MORTGAGE OFFICER
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BUY NOW, IMPROVE LATER, LIVE THE WAY YOU WANT TO LIVE-CHARLIE’S STORY
We can call him Charlie (not his real name.) He was in his 30’s with a wife and a young child and another baby on the way. “The house we are in is a little cramped now, but when the baby is born, this house won’t work for us at all.” He talked about a neighborhood where he and his wife were looking at houses.
When I asked him questions about the price ranges of the homes in the neighborhood where he was describing he had been looking, his voice sort of trailed off and he didn’t finish his sentence. Without any warning, he just blurted out, “I don’t really want to buy an existing home anywhere. What I really want to do is build the house the way we want to live in it.”
When he asked me which way would be the best deal for him, my answer to him was the answer he already knew to be true before he ever asked. The real question was, “Where will you be happiest—in an already built home or the new construction home you design yourself?”
So may times the best deal ever is the one where you follow your heart and figure out for yourself how to make it work. Charlie and I started doing the numbers on what the money down would be and the payments per month if he built the house he really wanted out in the country. After looking at a few ideas, he finally decided that he could afford right now to build the house he wanted if he didn’t finish the attic and left the bonus room unfinished.
“With small children, I wouldn’t want them trying to navigate stairs anyway. When the children are a little older and I have a little more saved back, we can finish out the upstairs and it will be like having a brand new house.” His plan was to consult with a realtor who knew the values in the area. He was going to get with a builder and then come back to me with some prices and terms we could compare on putting together his mortgage terms.
ADELE EDMOND’S STORY
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Subdivide-Be Creative and Conquer-
Meet Adele Edmond (not her real name). Adele is divorced and a single mom to two middle school daughters. She works full-time and wants to give her daughters a good life and be a good mom. In the divorce, Adele kept the very small house sitting off a highway outside the city limits where she and the girls have been living for the last few years. Behind the house was about 10 acres that also needed mowing or bushhogging.
Adele’s challenge? She wanted to move to a larger home in town in a school district where some of her daughter’s friends from church go to school. But she didn’t have enough income to afford a high payment since she didn’t have a lot to use as a down payment to live where she wanted to live.
Adele’s strategy? After talking to some business and real estate saavy friends at church, she decided, instead of trying to sell her little house and the land in the back, she would sub-divide the land and sell the lots individually with the small house too. She partnered up with a developer and a builder and a trusted real estate friend.
Adele’s reward? Adele is still in the process of finishing this project but, by connecting with the right friends and partners to help her, it looks like Adele with make significantly more profit subdividing the land and selling them individually than just trying to sell the little house with all the grass out back to mow. Selling the property this way has already provided her with enough down payment to get the mortgage payment low enough to be comfortable in the larger home she wanted in the other school district. And she has money left over to invest for her daughter’s future.
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Here’s some trends I see from the mortgage desk.
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Renters escaping rising rents to buy their own home.
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Retirement brings about time to simply and downsize to a smaller home.
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Parents, children and grandchildren moving back under the same roof and buying or building or modifying for the home they need.
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Restructuring debt by refinancing to roll in variable-rate home equity line and credit card debt to enjoy one stable payment.
As a mortgage loan originator I see lenders working to provide just the right loan products to meet the needs from these trends. Then, we make the mortgage process EASY
4th segment following 9:45 am break about 9:48 to 9:56 am
REAL ESTATE TIP OF THE WEEK
John Lawhon’s Tip: (about one minute or so)
Jo Garner’s mortgage tip
The four most common barriers to mortgage approval can be overcome with strategy
- Credit issues
- Not enough money for the down payment
- Not enough qualified income
- Property issues with appraisal or title work
Make your plan. Let’s work your plan. If the deal works for you today, let’s do it today. Contact me for exploring your mortgage options at 901 482-0354 and at www.JoGarner.com
Connect with me, Jo Garner,licensed Mortgage Loan Officer, at JoGarner.com (901) 482-0354.
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 Concorde Career College 5100 Poplar Ave 1st floor Memphis, TN (Clark Tower).
Go to www.TalkShoppe.com and click the Events tab for the link to get into the event online. This Wednesday November 6th,, 2024 9AM CT “People Skills in Selling” Charlie McCarty of Dale Carnegie Training
Talk Shoppe could not offer the free educational networking events free to our community without some very giving sponsors.
Thank you to Talk Shoppe sponsor retired US Navy Line Commander Peggy Lau. Peggy is with Club Seacret and can show you how to travel on first-class vacations at a bargain price. Connect with Peggy today at 901 289-0747
Talk Shoppe is free to you because of the generosity of our sponsors like Brett Carter of ServiceMaster by Cornerstone. When you are faced with a fire, flood or biohazard, don’t go it alone, call Brett Carter at ServiceMaster by Cornerstone 901 832-6005
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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.
6. Subscribe today for weekly podcasts with show notes at www.JoGarner.com
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.
QUOTE CORNER:
Walt Disney “All Our Dreams Come True If We Have The Courage To Pursue Them”
Oprah Winfrey “Create the highest, grandest vision possible for your life, because you become what you believe.”
REJOINDERS:
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Reverend Jo Rook, Director of Healing and Wellness at Church of the Harvest, Olive Branch, MS
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Taylor Morse of Cartridge World of Collierville (ink cartridges) 901 853-3230
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Pat Goldstein, Realtor with Crye-Leike Realtors 901 606-2000 W TN and North Mississippi
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Transitional Music: “Born to Run: by Emma Lou Harris; “I Love the Life I Life” by Muddy Waters; “Good Life” by OneRepublic; “Taking Care of Business” by Bachman Turner Overdrive for talk shoppe business tip
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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
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ABOUT JOHN LAWHON OF LAWHON LANDSCAPING
(901) 754-7474
Beautiful gardens begin with thoughtful design. The staff of Lawhon Landscape Design includes professionals with degrees in Landscape Architecture, Plant Pathology, Studio Art, and Agronomy. Our designers and plant professionals create outdoor living spaces with your lifestyle in mind.
Our many years of experience in design, installing, and maintaining Mid-South landscapes make us uniquely qualified to create gardens that are both beautiful and practical to maintain.
A Family Business
Our business was started in 1958 by Rex and Beth Lawhon and was one of the first weed control companies in the Southeast. Over the years, we have kept our client list small and personal in order to serve the gardens of Memphis with the best in lawn and shrub care. The high quality of our work has paid off over the years by the many repeat customers we have – both residential and commercial. We follow the philosophy of doing it right the first time. We hope that you will give us the opportunity to serve your garden needs as well.
In 1985, we expanded our family company by offering a complete design build landscape service. John Lawhon, with a degree in Landscape Architecture, offers complete landscape designs for every budget as well as outstanding plant installation services. In order to help maintain your landscape, we offer complete irrigation system installation. We have verything you need to make your home more beautiful than ever.
ABOUT JO GARNER-MORTGAGE LOAN OFFICER:
www.JoGarner.com (901) 482 0354 jo@jogarner.com twitter @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 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
Noble “Choosing the Best Mortgage-The Quickest Way to the Life You Want”
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