What do YOU want to accomplish with YOUR mortgage?
410 episodes - English - Latest episode: about 22 hours ago - ★★★★★ - 2 ratingsJo Garner is a mortgage officer with extensive knowledge in tailoring mortgages to her customers who are refinancing or purchasing homes all over the country. She offers conventional, FHA, VA, HARP refinances, Rural Housing or other loan programs for refinancing and purchases.
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’s mortgage team goes the extra mile for her customers, listening to the customer to make sure the mortgage product fits what they want today and what they need later. If there is an appraisal required, the customer’s loan is given a complete “second look” once the completed appraisal is submitted to see if there are any options for saving the customer more money per month or by lessening costs.
Jo Garner has been in the real estate/financing business for over 20 years. She grew up in West Tennessee and has been in the mortgage business in the Memphis area since 1990. She got her start 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
Join Jo Garner live on News Radio AM 600 WREC every Saturday 9AM to 10AM CST or on IHEART Radio Subscribe for weekly Real Estate Mortgage Shoppe podcasts with show notes at www.JoGarner.com
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Episodes
Podcast 7 - 20 - 24 Reasons To Buy Now -new Construction & Existing NOMUSIC
July 22, 2024 00:55 - 42 minutes - 37.4 MBDo you want to buy a home but you are not sure when you should buy? Are interest rates moving up or down? Is it a buyer or seller’s market? Click to hear this podcast from the experts.
Are Storms Coming or is It Smooth Gliding for the Housing Market
July 14, 2024 20:04 - 41 minutes - 36.8 MBDo you want to buy a home but you are not sure if now is the right time? Perhaps you are not sure if you can AFFORD the home? Tom King shares the forecast for the real estate market for summer and fall of 2024. I share some creative solutions on how my clients have rearranged their finances and credit to make the home they want AFFORDABLE.
ISSUES & ANSWERS-SOLUTIONS TO COMMON HOME REPAIR PROBLEMS
July 08, 2024 14:34 - 43 minutes - 37.9 MBISSUES & ANSWERS-SOLUTIONS TO COMMON HOME REPAIR PROBLEMS
KEEPING YOUR FAMILY SAFE AT HOME, AT WORK & WITH YOUR FINANCING
July 01, 2024 13:38 - 43 minutes - 40 MBPosition yourself with positive exit strategies for one day when you move or sell your home
How to Score in the Real Estate & Mortgage Market Summer 2024
June 17, 2024 01:51 - 42 minutes - 37.3 MBLet’s take a look at the real estate and mortgage markets for the summer of 2024. How do you position yourself to score in this market when you are looking to buy a home or refinance one.
Ways to Budget For Home Repairs & A Good Life
June 10, 2024 14:35 - 42 minutes - 37.4 MBRemember when you first moved into your home and feel the happiness and peace you had with your new or new to you house. It wasn’t just a house it quickly became your home!
PROTECT YOUR ASSETS-TRUST, BUSINESS STRUCTURES & POSITIONING ON YOUR MORTGAGE
June 03, 2024 13:54 - 42 minutes - 37.1 MBLike locking the door before you leave your house, you need to protect your investments too. There are unexpected expenses, thieves, frivolous lawsuits and more.
REAL ESTATE WEALTH-SACRIFICE A LITTLE TODAY FOR THE LIFE YOU WANT TOMORROW
May 28, 2024 02:04 - 42 minutes - 37 MBIf you can only make small sacrifices right now, let’s look at smart strategies you can use to build your net worth and a better life. Let’s look at how others are finding their way in this new normal real estate market.
QUESTIONS TO ASK WHEN GETTING A MORTGAGE OR A ROOF REPAIR
May 20, 2024 14:08 - 41 minutes - 36.6 MBIt is springtime when people are out buying houses and getting mortgages. Springtime storms pop up and can cause roof damage. Today we are sharing the right questions to ask when you get a mortgage. Beware of the guy in a truck who knocks on your door asking to get on your roof after a storm.
SENIOR HOUSING ROADMAP- FIND WHAT FITS, FINANCE WHAT WORKS
May 13, 2024 13:43 - 42 minutes - 36.9 MBAre you trying to make the right decision for yourself or a loved one about how to downsize? Today we are giving you a step-by-step guide finding what fits and financing what works best for you and your family.
THE MUSIC AND MAGIC OF REAL ESTATE-ROCK-N-ROLL LEGEND, RICK DERRINGER & JENDA’S STORY
May 06, 2024 13:32 - 43 minutes - 38.1 MBHere’s a question for our listeners—Are you wildly successful in your career, making all kinds of money? Maybe you are busy building your business. Consider starting today investing in something that tends to grow in value and increase passive income to you.
BE READY FOR THE NEW NORMAL-REAL ESTATE TO YOUR AC UNITS
April 29, 2024 01:37 - 41 minutes - 36.7 MBDo you know how to prepare for the new Air-Conditioning law going into effect January 2025? Do you know how to negotiate to make sure you get a realtor to represent YOUR interest when you buy a home? We will talk about these “New Normal” changes on Real Estate Mortgage Shoppe today.
MILLION DOLLAR REFERRAL SYSTEM FOR REAL ESTATE PROS & YOUR BUSINESS TOO
April 22, 2024 00:21 - 42 minutes - 37 MBHow to build your own Million dollar referral system that not only supports you and your needs, but those connecting with you. This is especially critical when it comes to acquiring or selling real estate, as trust is the name of the game!
ECLIPSE EXPERIENCE-ALIGNING YOUR FINANCES WITH YOUR HOME PURCHASE Nomusic
April 15, 2024 14:21 - 41 minutes - 36.6 MBWe jump into the top 3 strategies you can work on to align your finances best for buying a home. Subscribe for weekly Real Estate Mortgage Shoppe podcasts and show notes at www.JoGarner.com
Doctor, Doctor, What’s The Health Of My The Roof Over My Head & My Finances
April 08, 2024 14:00 - 42 minutes - 37.5 MBQuick steps to improving your credit score. Common habits of people who became wealthy over time. What do look for and what to do when your chimney springs a leak.
Getting A Mortgage & A Home Inspection -Don’t Be Fooled By Myths & Misconceptions
April 01, 2024 13:55 - 42 minutes - 37 MBDon’t miss out on a great deal because you believed a common myth. On Real Estate Mortgage Shoppe Jo Garner, Mortgage Expert with Mike Aukerman, Home Inspector and Realtor Pat Goldstein will be opening up shining a light to dispel the myths to help open the door to homeownership and refinance opportunities.
YOUR FAMILY’S WILL & PROBATE-HOW IT AFFECTS YOUR MORTGAGE & YOUR REAL ESTATE
March 25, 2024 13:42 - 42 minutes - 37.5 MBou will get some good information about probate and trust. Why do you need a will? How can you avoid the costs of probate with a living trust? Important information to know about how real estate and your mortgage are affected by the probate process.
YOUR HOME RENOVATION & YOUR MORTGAGE-THE POWER OF VISION FOR A BETTER LIFE
March 18, 2024 02:44 - 41 minutes - 36 MBToday on Real Estate Mortgage Shoppe we will be sharing some wisdom from the pros on renovating your home. I will be sharing success stories of people who got a vision of what they wanted and steadily worked until they had it.
ANSWERS TO YOUR QUESTIONS ABOUT HOME MORTGAGES & YOUR HOME’S ROOF
March 11, 2024 03:08 - 40 minutes - 35.8 MBToday we are answering YOUR questions about home financing and questions you have about your home’s roof.
Catching the March Winds -Flow Into Homeownership in 2024
March 03, 2024 23:54 - 41 minutes - 36.6 MBToday we will go back to some fond memories of how to fly a kite. Tom King, our expert real estate appraiser will be looking at where are home values are leaning. I will be showing you which way the wind is blowing in the mortgage markets.
HOW TO FIX FLAT ROOFS ON YOUR HOME AND FOR YOUR FINANCING
February 26, 2024 03:30 - 43 minutes - 37.9 MBJo Garner has some good advice to about home repairs and getting your mortgage approved to buy a home or refinance a home. If getting a mortgage on a home is in your plans, call or text Jo Garner, a licensed mortgage loan originator. She can offer solutions on how to get your mortgage approved when there are repairs needed on the home.
REASONS TO LOVE BEING A HOMEOWNER, WAYS YOUR HOME CAN LOVE YOU BACK (VALENTINE’S DAY SHOW)
February 12, 2024 00:40 - 42 minutes - 37.7 MBWhat is one of the top reasons YOU love owning your home? Hear other listeners share some of the top reasons for homeowners to love owning their homes. Stay tuned to hear about some ways your home can love you back.
Feeling Like You Missed The Boat Buying A Home? Top Tips For Finding & Financing A Home in 2024
February 05, 2024 14:49 - 42 minutes - 37.5 MBToday we are going to share some stories of people who thought they missed the boat buying their home, but are feeling really good about their home purchase this year. We will cover some tips on how to find and finance the purchase of your home.
Keeping your House & Your Financial Foundation Strong Through Weather Fair & Foul –2024
January 29, 2024 15:13 - 40 minutes - 35.9 MBLet’s strengthen the THREE habits that will protect you through weather fair or foul . I will share some examples of how I have seen my mortgage customers build wealth and happiness over time. Clint Cooper of Redeemers Group will talk about how fair and foul weather can damage your house foundation and how to solve the problem.
Bridle Your Budget Plan To Win YOUR Race
January 15, 2024 20:35 - 40 minutes - 35.6 MBAre You Racing to Buy a Home , But You’re Saddled Up with Debt? Bridle Your Budget Plan To Win YOUR Race
Take a Look-What Are the First Things You Need to Repair on Your Home & Your Credit
January 08, 2024 03:04 - 40 minutes - 35.5 MBWhen you took down your Christmas decoration, what items did you see need repairing at your home? When you got the post- Christmas credit card statement, was it a reminder that you need to work on your credit? Today we are going to look at an easy way to get started on the home repair and your credit.
SHOULD I BUY A HOME IN 2024? LET’S LOOK AT NOW AND INTO THE FUTURE
January 02, 2024 14:44 - 41 minutes - 36.5 MBOn Real Estate Mortgage Shoppe today we will be taking a look at where our real estate market is today and where we see it going in 2024 to help you make the decision to buy your home now or wait.
HEARTH AND HOME-COMFORT IN THE MIDST OF CHANGE-2023
December 26, 2023 15:20 - 42 minutes - 37 MBOn Real Estate Mortgage Shoppe today we will be sharing stories of how people have made life and the holidays happy in the midst of change.
REASONS TO REPAIR YOUR HOME AND YOUR CREDIT- YOU WILL BE GLAD YOU DID
December 09, 2023 22:27 - 42 minutes - 37.6 MBOn Real Estate Mortgage Shoppe today we are going to talk about situations when you will be GLAD you did the repairs on your home and your credit. You can probably think of a number of instances when this was the case for You?
DO I WADE IN NOW OR WAIT TO BUY A HOME—PROS AND CONS
December 04, 2023 15:02 - 42 minutes - 37 MBLet’s explore the pros and cons of buying a home today vs waiting. We look at customers who did buy vs not purchasing a home. We look at cons for buying a home in this end-of-the-year 2023
HELP FROM LENDERS & SELLERS—REASONS FOR HOMEBUYERS TO BE THANKFUL
November 20, 2023 03:06 - 41 minutes - 37.9 MBOur topic is about being thankful or grateful for good things we can identify in the homebuying process or in life. Gratitude is a positive emotion that you can experience when you acknowledge good things that make you happy or things that benefit you.
YOUR NEXT REAL ESTATE INVESTMENT-FIND IT, FUND IT, FIX IT, MAKE YOUR PROFIT ON IT.
November 13, 2023 15:41 - 38 minutes - 35 MBAre you thinking about investing in real estate to bring some of your life dreams to fruition? Today we are visiting with a real estate trainer who can travel to your city and show you “hands on” how to find the right properties fund them, fix them and make a profit on them. We will look at tradional AND non-traditional mortgages to build your portfolio.
HOW DO I KNOW WHEN IS THE BEST TIME TO BUY A HOME OR INVEST IN REAL ESTATE?
November 06, 2023 02:41 - 41 minutes - 37.8 MBToday on Real Estate Mortgage Shoppe we are going to talk about where we see mortgage rates and home prices going. We will be looking at some important factors to consider when determining the best time to buy a home. We have a special guest today who is known for being able to read the economy and make strategic moves at the right time.
REAL ESTATE MORTGAGE E 10 28 23
October 29, 2023 21:02 - 37 minutes - 10.7 MBDo you want to buy a home but you have been listening to the mainstream media talking about the housing market like it is the boogie man or monster under the bed? Today we are going to shine the light on the truth about what we see in the housing market.
PROFIT FROM THE PROFESSIONALS IN PICKING YOUR HOME & YOUR MORTGAGE
October 23, 2023 03:25 - 38 minutes - 11.1 MBToday on Real Estate Mortgage Shoppe Ed Hill and I give real examples of action steps you need to take to avoid a lot of wasted time, wasted money and heartache when buying a home, repairing a home or getting a mortgage. How to put determine who are right professionals to put on your team.
TO BUY OR NOT TO BUY - THE MORTGAGE & THE HOME INSPECTION HELPS YOU MAKE THE RIGHT DECISION
October 16, 2023 00:55 - 42 minutes - 12 MBAre you trying to decide which house is the right one to buy? Both the mortgage terms and the home inspection are crucial steps in the home buying decision. A mortgage will tell you if you can afford the home, and a thorough home inspection will tell if you WANT to afford the home. Today on Real Estate Mortgage Shoppe we are going to uncover some important factors in both the mortgage and the home inspection give you confidence when you make your home buying decision.
Securing Your Home: Electrical Safety & Financial Wellness
October 09, 2023 17:53 - 41 minutes - 11.9 MBSafety at home with electricity and home mortgages are two important aspects of maintaining a secure and comfortable living environment. Some of the tips you hear on Real Estate Mortgage Shoppe you may already know, but which ones will surprise you today? Stay Tuned…
SHOULD I BUY A HOME NOW OR WAIT? FACTORS TO CONSIDER WHEN MAKING YOUR DECISION 2023
October 02, 2023 14:27 - 41 minutes - 11.8 MBAs a mortgage loan originator I get to help mortgage customers compare financing options to buy a home so they can compare for themselves what is better for them, to Rent or Buy. Let’s look at what could happen over the next five years if the forecasts for home values going up and rent rates are correct.
YOUR HOMEOWNER INSURANCE CLAIM: STEPS TO TAKE FOR AN IMPROVED EXPERIENCE
September 10, 2023 23:02 - 42 minutes - 58.4 MBIn the co-host chair we have Ed Hill of Masters Roofing Memphis and Lynn McDonald of Erin McDonald Insurance Agency. Ed Hill and Lynn McDonald, you spoke on an expert panel at Talk Shoppe earlier this week. You shared some very important tips for what to do and NOT to do when you are in the process of filing an insurance claim
REAL ESTATE ROOFING CLINIC FOR REALTORS –WHAT YOU NEED TO KNOW TO GET THE JOB DONE
September 05, 2023 02:36 - 42 minutes - 58.6 MBEd will interview Drew and together they will cover step by step how to increase home values and sales prices leading to increased commissions for realtors at the closing table.
CREATE REVENUE, HAPPINESS & RICHES-MAKE YOUR HOME & MORTGAGE WORK FOR YOU
September 05, 2023 01:53 - 42 minutes - 58.3 MBHave you thought of ways you can make your house pay YOU to live there? During the episode of Real Estate Mortgage Shoppe, we will be covering some ideas YOU can use to create revenue, happiness and riches, making your home and mortgage work for YOU.
TAX PREPARATION STRATEGIES FOR REAL ESTATE INVESTORS
August 27, 2023 23:12 - 42 minutes - 57.8 MBWe’ve heard the old adage “A penny saved is a penny earned.” For every dollar you don’t have to pay in taxes, you get to keep for yourself. The ideas Ken Sullivan of Tax Matters Solved will be sharing with you today just may give you some bragging rights on keeping more dollars in your pocket. I will be sharing some stories from hall-of-fame mortgage clients and how they saved money owning real estate.
REAL ESTATE INVESTING-HOW WOMEN BROKE THROUGH THE OBSTACLES TO FINANCIAL SUCCESS
August 13, 2023 22:56 - 37 minutes - 51.6 MBStories of women who broke through obstacles to build wealth and a better life investing in real estate. Here’s how they did it. Here’s how you can do it, finance it and build your own success investing in real estate.
PROTECT YOURSELF FROM PITFALLS & BUGS IN THE HOME & MORTGAGE PROCESS
August 07, 2023 12:45 - 41 minutes - 44.8 MBToday you will hear some great tips on avoiding pitfalls and mistakes when you are getting a mortgage. You will hear some stories of people who made some mistakes but fixed them. Neil Bringle of Mosquito Joe is going to help you get rid of those biting bugs—mosquitoes too.
WAYS TO RIGHT-SIZE YOUR BUDGET & MORTGAGE-BEST WAYS TO DOWNSIZE TO A BETTER LIFE
July 31, 2023 01:12 - 41 minutes - 57 MBAre you thinking about downsizing your home or your finances? Here’s some important tips and strategies to make the process quicker, and less expensive on your finances too.
2023 CITY OF MEMPHIS DOWN PAYMENT ASSISTANCE
July 24, 2023 12:15 - 40 minutes - 37.1 MBToday on Real Estate Mortgage Shoppe, we will be going over some of the City of Memphis down payment assistance programs offered to qualified homebuyers.
2023 City of Memphis Down Payment Assistance
July 24, 2023 11:52 - 1 hour - 46.4 MBToday on Real Estate Mortgage Shoppe, we will be going over some of the City of Memphis down payment assistance programs offered to qualified homebuyers.
Getting the Value and Financing for Inherited Houses, Divorce Settlements and Cash Home Sales
July 17, 2023 01:56 - 41 minutes - 56.8 MBTom King, our home appraisal expert, if we are facing a divorce or trying to settle an estate where we will need sell an inherited house, what do we need to know about getting a proper value on the real estate?
Protect Your Home and Your Finances Through the Storms
July 10, 2023 13:04 - 42 minutes - 41.1 MBHave you been hit by a recent storm that damaged your home, your car and knocked out your power? Are you experiencing a financial storm in your life? Today we are going to share some tips from the pros and some stories of how other people have done in a storm.
CELEBRATING YOUR INDEPENDENCE OWNING YOUR OWN HOME
July 02, 2023 22:47 - 41 minutes - 56.7 MBAre you trying to decide whether to buy or rent? Are you trying to make a decision to where to live when the number of family members in your home is changing? Let’s look at the difference in buying versus renting. Let’s explore a number of ways you can enjoy independence owning a home.