Your Roof, Your Real Estate & Your Wealth: How to Protect What Matters Most

Your Roof, Your Real Estate & Your Wealth: How to Protect What Matters Most

Jo Garner · Your Roof, Your Real Estate & Your Wealth: How to Protect What Matters Most

Do you want to protect the things that mean most to you? Today you will get great tips and stories of how people have successfully protected the things and people that matter most.

#JoGarner #MortgageExpert (901) 482-0354
#EdHill #Mastersroofing 901 273-6594
#TroyMcDonald #LynnMcDonald Erin McDonald Insurance Agency (901) 849-7101
Subscribe for weekly Real Estate Mortgage Shoppe podcasts with show notes at www.JoGarner.com
#roofrepair #haildamage #mortgageapproval #lowerinsurancecost #mortgage

LET’S GET STARTED…(Jo) (Good morning, Memphis! Welcome to our internet listeners and podcast listeners across the 50 states! . Today is June 6^th. 2026. I’m your host, Jo Garner, Mortgage Loan Originator. You can connect with me at www.JoGarner.com. Our general topic is Your Roof, Your Real Estate & Your Wealth: How to Protect What Matters Most. Thank you to attorneys Shelley Rothman and Rob Draughon of Griffin, Clift, Everton and Maschmeyer Law Firm for sponsoring THIS episode of Real Estate Mortgage Shoppe. When you are ready to buy a home or refinance one, Shelley Rothman and Rob Draughon can help you will the title work and closing . (901) 752-1133.

Introducing Ed Hill of Masters Roofing

Ed Hill of Masters Roofing is back in the studio with a topic that I need to spell—just to be clear. Ed, today you are taking us to the University of HAIL (H-A-I-L.). Some of our listeners found themselves in the middle of a lot of HAIL (H-A-I-L) a few days ago. You and your team of experts do a great job helping homeowners with roof inspections, giving them the documentation they need following a hailstorm when it is time to file an insurance claim. Ed Hill of Masters Roofing, take a moment to tell our listeners a little bit about yourself and the services you offer your clients. (Ed has about 1.5 minutes to intro himself and talk about the services he offers)

(Jo) Our topic about protecting what matters most reminds me of a fable called “The Horse and His Rider.”

The Story: The Horse and His Rider

A horse owner used his horse primarily for battle and heavy labor. In times of war, he fed the horse rich oats and tended to its gear, treating it with great importance. However, during times of peace, the man became lazy. He put away the saddle and stopped checking on it and the horse’s health.

When war suddenly broke out again, the man hurriedly threw the old saddle back on the horse. Because the gear had decayed and the horse was weakened by poor treatment, it buckled, stumbled, and threw its rider in the midst of the battle.

The moral of the story? “If we want something to serve us longer, we need to take good care of it constantly—regardless of whether it is an object, an animal, a relationship, or a job or your home and your finances.

Do you rent or do you own your home? If you are not planning to move out of the area over the next couple of years, then renting may be good for you. For everyone else, let me encourage you to own your own home. Historically, homeowners are much wealthier and have more options in life because their home typically goes up in value over time and while they sleep. I have resources and special mortgage products to help you afford to own vs rent.

Common Areas You Can Review and Improve to Protect Your Wealth

1. How is your emergency fund? Do a check up with your certified financial advisor. Some of the online pros suggest having a minimum of three to six months of living expenses in an emergency fund—12 months if you are self-employed.

You can take a deep breath, feel some peace of mind knowing you have OPTIONS when the unexpected stuff happens in life. You know, like medical expenses, loss of a job, car repairs or your roof springs a leak and you need a new one before the leak causes more damage.

Ed, “Your emergency fund is the financial equivalent of having a tarp ready before the storm arrives.” Ed comments

2. Do You Have Enough Insurance Coverage?

If you are involved in a car accident where someone gets seriously harmed, do you have enough insurance to cover their expenses or a lawsuit?

Consider getting a general umbrella policy for extra protection of your assets.

Does your insurance still cover today’s replacement costs in case of damage to your home? Flood insurance? Plenty of liability insurance? What is your deductible?

Ed, you see how important good insurance is for your roof customers.

Ed comments

(Jo) We have about 2minutes or so before we go to our first ad break. Ed Hill of Masters Roofing give us some valuable instruction on how to deal with hail on the roof and how to best protect our home following a hail storm. (Ed can get started on some of his topics until the ad break. To be continued 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 Ed Hill of Masters Roofing. 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

(Ed) Riddle 3: The Icy Drummer

I pound on the rooftops, but I have no hands,
I cover the pavement, yet have no white bands.
I shatter the silence and dent up your car,
I come from the clouds, but I’m no shooting star.
What am I?

(Jo) Answer: A hailstorm.

(Jo) Today on Real Estate Mortgage Shoppe we are talking about “Your Roof, Your Real Estate & Your Wealth: How to Protect What Matters Most”

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

TALKSHOPPE TIP

Troy and Lynn McDonald of Erin McDonald Insurance Agency
(901) 849-7101

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, Troy and Lynn McDonald of Erin McDonald Insurance Agency for your support of our real estate community through your Talk Shoppe sponsorship. You both have been recognized as top producers nationally in your career. A big part of your secret is the way you put your customers first. Troy and Lynn McDonald, what is our Talk Shoppe Tip today?
Troy and Lynn share thier tip (about 1 .5 minute)
How do we contact you? (901) 849-7101

Tip: When you get your roof replaced, make sure you get a discount from your insurance company for having a new roof. Get the warranty on the roof installed by the previous owner transferred to you.

____________________________________________________________

TOPICS BY ED HILL OF MASTERS ROOFING

Hail is the mystery weather phenom that is often unnoticed but can leave roofs seriously damaged. Here’s the crazy thing though: the effects of the damage may not show up until months later!

There’s an old saying among roofers that probably originated in Bangor, Maine and it goes like this, “Spring’s hail storm is winter’s leak.”

What does that mystical saying mean? It refers to the fact that the hail storm that dropped significant hail in your area and may have damaged your roof could have effects later in the future. Hail storms that strike your roof this week in June might not show any effect on your roof right now BUT in November through February the extreme changes in temperatures can cause leaks. The damage that leads to roof leaks in the colder months often occurred in the previous spring or summer.

Here’s how roof hail damage happens:

Hail strikes at high velocity…think shooting marbles at your roof from a paintball gun!
The tiny rocks called granules on your shingles are held on by asphalt and are knocked off by the hail.
This can crack the matting on the bottom side of the shingle, but you can’t see it.
These hail strike impressions are like craters on the moon and can cause bruising on the face of the shingles.
Once this happens then the asphalt holding the granules on the shingle’s fiberglass mat is affected over time allowing the harsh UV rays of the sun to drastically accelerate the aging of the roof leading to unexpected leaks on Thanksgiving Day or Christmas Eve because the shingles are expanding and contracting with changing temperatures and rain leaks through the unseen cracks! Ho, ho, ho!

We haven’t even discussed damages to roof pipes and vents, gutter systems, flat roofs, metal patio roofs, metal bay windows, window screens, solar panels, siding, wood fences, satellite dishes, skylights and more! Hail can damage everything it strikes.

If you that believe your roof was struck by hail then my advice is to have an honest on the roof inspection by an experienced state-licensed roofing contractor who can document the condition of your roof. If your roof is hail-damaged or even wind-damaged then the professional contractor can advise you regarding filing a legitimate claim with your insurer. If you prefer to replace the roof without a claim then a state-licensed roofer will be able to provide detailed product information and installation pricing for roof replacement.

With hail one thing’s for sure: it’s the damage that you don’t see that could lead to future leaks and interior damage. So, be proactive to be protected!

Ed Hill is Senior Consultant with Masters Roofing Memphis, and started in the home services industry in 2001. He is also the founder and host of the free educational podcast, www.MemphisHomeMaintenanceShow.Podbean.com For expert advice, honest inspections and friendly customer service please contact Ed directly at 901-273-6594.
(Photo attribution: www.Vecteezy.Com/free-photo/hail )

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)

Question: What is the nick name of one of the strongest wind storms to ever hit Memphis, TN in this century?

Hint# 1: This storm swept through Memphis, TN with little warning on July 22^nd, 2003 with winds over 100 miles per hour, taking out power to over 70% of the city.

Hint# 2: This storm tore trees out of the ground, snapped power poles, shattered windows, devastating the city in a matter of minutes.

Ed Hill gives the answer ANSWER: HURRICANE ELVIS

(Jo) Today on Real Estate Mortgage Shoppe we are talking about “Your Roof, Your Real Estate & Your Wealth: How to Protect What Matters Most”

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

TOPICS COVERED BY JO GARNER, LICENSED MORTGAGE OFFICER

“Most homeowners know a damaged roof can threaten their home. But did you know the wrong mortgage, missed maintenance, or neglected home equity can threaten your financial future just as quickly? Today we’re talking about how to protect your roof, your real estate, and your wealth—because they all work together to protect what matters most.”

3. Mortgage Checkup

Question: Does your mortgage still fit your life?

Life changes. Your mortgage strategy may need to change too.

For example: Al and Annie had been running a successful business, when the pandemic hit their business came to a halt and only partially recovered. Al and Annie racked up credit card debt to get through the rough spots. Even though the business is doing better, the interest they werepaying on the credit cards had moved up from 12% up to about 28%, compounded.

By doing a cash out refinance on their home and paying off over $40,000 in high interest rate credit cards, they were able to lower their monthly debt payments by about $1,000/month. The new mortgage had a higher rate than the old one, but moving the high interest debt to a much lower single digit fixed rate on the mortgage allowed Al and Annie to regroup.

One of my clients was a widow. She and her husband had paid the mortgage down to about a third of the original balance. When her husband went through a long illness and racked up medical bills, the answer for them was to refinance their mortgage back to a longer term. Since they were borrowing so much less than the original balance, they were able to drop their payment several hundred dollars per month to give them some relief.

For borrowers over 62 years old who plan to age I place in the same home, the government-backed Home Equity Conversion Reverse Mortgage can allow them to live comfortably in their home with no mortgage payment. Some reverse borrowers choose to use the credit line to pay their property taxes and insurance and other expenses. The freedom of living with NO MORTGAGE PAYMENT while still feeling secure that the home is still theirs along with the equity.

4. Consumer Debt and Your Credit

Where is your money leaking out?

High interest rate loans like credit cards, personal loans and other debt drain your income covering interest costs. Keep your credit card balances low so that you are only using less than 30% of the credit limit on each card. This can improve your credit scores. Make your payments on time. The higher your credit score, the lower your borrowing costs. What is the interest rate you are paying on your credit cards and other debt. Time to restructure if you are paying double digit interest rates on your other debts.

5. Retirement Savings

Are you paying your future self first? Check with your financial advisor. Setting up auto payments to go to your 401k retirement fund, an IRA, pension benefits and more.

7. Estate and Beneficiary Review

Question: If something happened tomorrow, would your wishes be carried out?

Review:

Beneficiaries
Will
Trust documents
Powers of attorney

Many people update insurance but forget to update beneficiaries.

Brenna and Brandon Bothem—A Better Life on a Budget but not Without Roadblocks

Brenna and Brandon were renting and paying more and more each year to the landlord . With rent rates soaring around the country with no end in sight. They sought advice from a realtor, their mortgage officer and a financial advisor.

Before Brenna and Brandon started shopping for houses, they charted every expense over the last six months, listing the expense in designated categories. To reduce their expenditures without giving up their quality of life, the two of them thought outside the box for ways to find what they needed at bargain prices. They talked with friends about bartering some services to avoid having to pay cash for them. They found ways to enjoy movie night at home with friends instead of going out to eat and to a theater. It turned out to be more fun meeting a home with friends than everyone driving to a restaurant and the to a theater or other event.

Before too long, Brenna and Brandon had a hefty emergency fund. They set up for some automatic bill-paying services. They agreed to give to their church and charity 10% of their earnings. They ask their employers to take another 10% of their earnings to go straight to a 401K retirement account and savings. The other 80% of their funds, they paid their bills and, each month they concentrated on paying off their credit cards. The pain and frustration they felt when they started budgeting turned into a swelling sense of confidence. The Budget project was becoming fun, like a game they were winning.

Brenna and Brandon had a clear vision of what they wanted their life to look like. They also had a clear vision of what their budget looked like so the house they purchased was NOT their dream home. “We can make it beautiful,” Brenna told the realtor. “It is just the leverage we will need one day when we move up to our dream home,”Brandon stated hopefully. The house was a little smaller than they originally wanted but they planned to finish out the area above the garage for Brenna to have a small studio. Brandon would have the garage to work on projects.

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 & INSPIRATIONS

Protect What Matters Most

In the late seventies a now famous creator, director, producer, and screenwriter had sunk all of his worldly wealth into making a movie he felt in his heart would be a blockbuster hit with many more to come. The problem? He ran out of money. The studio company didn’t really believe his movie idea would work, but made him some offers that would give the studio control and ownership of almost everything, including the right to stop production.

After some desperate soul searching, this movie creator realized the movie nobody believed in was his heart and soul and he wanted to make it his life’s work. He turned down the first offer from the studio and made them an unusual offer—not asking for money but buying time and keeping to himself what he knew mattered the most –the rights to his movie characters, images, sequels and future merchandise.

In 1977 George Lucas released the movie Star Wars. To Fox Studios surprise, the movie exploded in popularity around the globe. The sequels and anything connected to the Star Wars brand dumped millions of dollars in Lucas’ bank account. In an interview with Carrie Fisher, the actress who played Princess Leia, Carrie laughed when she told the interviewer, “Every time I see my face in a mirror, I owe George Lucas a couple of bucks.” Lucas later sold his rights to Disney for four billion dollars.

What are some things that matter most to YOU? Is it your family? Is it a calling you have on your life? Among other things are some of the largest investments you make to that sustain your qualify of life. Your home is a large investment that matters. Own it, take care of it, use it as a resource to make your life better.

(Jo) Today on Real Estate Mortgage Shoppe we are talking about “Your Roof, Your Real Estate & Your Wealth: How to Protect What Matters Most”

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

REAL ESTATE TIP OF THE WEEK

Ed Hill’s Tip (about 1.5 minutes)
Get a roof inspection right away following a hail storm to determine if you have damage. Hail pummels your shingles but the leaks may not occur until the temperature changes several months later. Find out now if you have damage so that you can avoid further damage later.

Jo Garner’s tip :
If you get occasional raises in income in your line of work but you can’t afford to buy the house that would bring you and your family joy today, let’s explore a government-backed low down payment mortgage that has a very low rate for the first five years and then converts to an adjustable rate with super tight safety caps on future rate movements. This loan today could reduce the normal monthly payment by approximately $150 per month on a $200k loan.

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 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 June 10th , 2026 9AM CT “”Film as an Economic Engine: Behind the Scenes Look at Memphis & Shelby County Film and Television Commission” presented by Sharon O’Quinn

Thank you for your support of our business community with your Talk Shoppe sponsorship, Zach Roberts of ZR Creations can help your business thrive using creative digital marketing strategies to bring the right customers to your business. Contact Zach Roberts at Zach@ZRCreations.com

Congratulations to Talk Shoppe sponsor, Redeemers Group Foundation and Crawl Space Repair. They were recently named Top Small Business in the Large Category at the Memphis Business Journal Small Business Awards ceremony. For advice and repair solutions for you home foundation and crawlspace, Redeemers Group can help www.RedeemersGroup.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)
(The Auditory version of this disclosure is played during the show)

QUOTE: from Partner Content “You’d be surprised at how quickly an employee at Home Depot will assist you when you try to start a chainsaw.”

REJOINDERS:

Ken Sullivan, Tax Matters Solved Millington, TN (601) 421-7848
Preston Wilson, Probate, Business Assets, Estates and Trust Attorney prestonwilsonlaw.com
Mark McLaurine, Refrigeration Unlimited HVAC Repair and Replace 901 216-7782

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

______________________________________________________________________________

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”

Your Roof, Your Real Estate & Your Wealth: How to Protect What Matters Most

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