What do YOU want to accomplish with YOUR mortgage?

Cool Comfort & Smart Financing: How to Get Repairs Financed and Finished Fast by Jo Garner

Down the Stretch to Your Dream Home: Insider Strategies to Win” by Jo Garner

How The New & Improved Reverse Mortgage Can Change Your Retirement by Jo Garner

Keep More of Your Money in 2026: Insider Tax Strategies From Your Mortgage Pro & Your CPA by Jo Garner

Protect Your Home Like a Pro With These Smart Mortgage Moves & Home Maintenance Team by Jo Garner

Spring 2026 Housing Market Forecast- Is It Time to Launch Your Home Purchase or Refinance? by Jo Garner

Turn Life Changes Into Smart Housing Moves-Real Estate Tips From the Pros by Jo Garner

Nail the Upgrade: Best Home Improvements to Enjoy Your Home and Improve Your Finances by Jo Garner

Reading the Rate Signals: Timing Smart Moves for Buyers and Homeowners by Jo Garner

Profit Paths in Real Estate: From Home Buying, Refinancing and Rental Income by Jo Garner

The Home Stretch: From Mortgage Approval to the Closing Table by Jo Garner

Contractors, Lenders & Communication-Avoid Costly Mistakes on Home Repairs and Home Mortgage Decisions by Jo Garner

Winning Where It Counts in The MidSouth Housing Market by Jo Garner

Is New Home Construction in Your Plans? Tips From the Builder and Mortgage Pros by Jo Garner

Best Steps to Buying a Home -Best Practices when Selling a Home by Jo Garner

Legacy Planning & Property: Holiday Conversations by Jo Garner

Affordability Crisis or Opportunity Window? Lending and Appraisal Experts’ Behind the Scenes View by Jo Garner

A.I. on the Roof, A.I in the Loan File: The Future of Home Buying & Home Repair by Jo Garner

Behind the Numbers: Real-Life Stories & Real-World Real Estate Appraisal Tips by Jo Garner

Homewise Real Estate & Mortgage Inside Tips from the Pros by Jo Garner

Bid Smart, Borrow Smart: How to Buy & Finance Real Estate Through An Auction by Jo Garner

Like a champion football player, you can score well buying or financing real estate when you pay attention to the market and move on the opportunity that puts you on the scoreboard.

How to Score on Your Next Real Estate Move in a Changing Market by Jo Garner

Whether you own a home or you are thinking about becoming a homeowner, today we are sharing stories of people and what they did to thrive comfortably economically and in their home through the winds of change.

Want to feel good about your home purchase or home repair? Jo Garner, Mortgage Loan Officer NMLS# 757308 shares stories about people who used smart strategies dealing with required home repairs, Cost-to-Wait scenarios and setting up multiple exit strategies. Ed Hill shares important rules to follow when hiring contractors to do repairs. Pat Goldstein, Realtor, points out some details on the home purchase contract that can make or kill your deal.

Follow us on a treasure hunt to find funds for buying or repairing a home or achieving other life dreams. Uncover money you didn’t know you have. Explore bargain methods to get repairs done with the least costs. (Take some tips for Santa too)

Did you know that mortgage rates are NOT tied to the Federal Reserve? Last September 2024 when the Fed dropped their rate, mortgage rates actually spiked upward. Experts are predicting that mortgage rates have already made their drop to a 12-month low and are not predicted to move precipitously next week. Is this the right time for you to buy a home or refinance?

Where can you take advantage of the Big Beautiful Bill with your taxes, your real estate and the mortgage market 2025? Jo Garner shares some examples of how mortgage clients are getting bragging rights in today’s market. Ken Sullivan of Tax Matters Solved shares some tax tips. Pat Goldstein gives some good real estate tips.

What’s the real secret to that feeling complete with your home and financing? It is the right loan with terms that fit your budget. It is the right look. Today I will be sharing some mortgage tips and John Lawhon of Lawhon Landscaping will be share his expert tips on creating curb appeal that makes you happy with your home.

Expert Tips On Downsizing With Less Stress -Real Estate, Financing, Moving & More by Jo Garner

If you are planning to buy a home and get a mortgage, take some of the latest tips from an experienced realtor and mortgage lender. More tips from other experts too. Top tips and stories of homebuyers who overcame obstacles and took the right actions to enjoy success with their real estate purchases.

Today we are going to give you some tips on how to strategize the top four aspects of getting your mortgage approved. Want to add thousands in value without spending a fortune? Appraisers Tom King and Allen McCool will be talking about what to fix, what to skip, and what can sink your loan before you ever list your home.

“Build Smart, Borrow Right-Tips from Your Homebuilder and Your Mortgage Lender” by Jo Garner

What happens when you realize you have become the victim of a scam? Did someone steal your house? Did your life savings get wired to the wrong place? What are the next steps you take? What are some actions you can take to avoid being a victim? Jo Garner, Mortgage Loan Officer and real estate attorneys, Shelley Rothman and Rob Draughon of Griffin Clift Everton and Maschmeyer share some true stories and real solutions.

Have you or someone you know run into a barrier with getting their mortgage approved or getting a repair completed at your house? Ed Hill Masters Roofing and podcast host for The Home Maintenance Show show you the paths to overcome some of the most common barriers with the right fix-it tool.

So many people have cost themselves years of building wealth because they hold tightly held false beliefs about some aspects of the home buying and mortgage process. Today we are dispelling these common myths and showing ways people have bought homes or refinanced to better their financial situation and really build wealth and a happier life.

What is your vision for a happy life for yourself and those you love? In today’s show we will share some ideas that have worked for others to realize a happy, more prosperous life. Probate and Estate Planning attorney, Preston Wilson, shares the answers to frequently asked questions, and warnings for some questions that should have been asked but didn’t get asked.

Have you been thinking about building some passive income and wealth by owning some money-making real estate? Today full-time investment realtor, developer and contractor, Brett Bernard and Jeff McKnett share some winning strategies they help their clients use when investing in income-producing properties. Jo Garner shares the newest, most popular ways to get financing for these investments.

THERE’S GOLD IN THEM THERE HILLS… There’s gold in them hills. Slower home price growth in many markets = more negotiating power. Less competition from other buyers. Sellers offering concessions like closing cost help or rate buydowns. There are some valuable opportunities for home buyers and people wanting to refinance their mortgage to include paying off high interest credit cards.

Do you remember how you felt when YOU had legitimate storm damage or fire damage to your home, but your insurance company denied the claim? Do you remember being told “NO” for a home loan application, even though you knew other people like you with good credit and funds to close who got their mortgages approved? Today on Real Estate Mortgage Shoppe we are going to show you some ways some of our clients used some smart strategies to win their approvals.

Can you remember how you felt when you missed out on a great deal or when you were lured into a bad one because you believed something to be true that wasn’t? In this episode of Real Estate Mortgage Shoppe we are going to be dispelling some myths and sharing with you the “inside scoop” to prevent you making a mistake that could cost you money.

How do you know when the time is right to make a big change, a big decision? Realtor expert, Pat Goldstein with Jo Garner, mortgage expert share examples of how to SEE the signposts and examples of customers have had great timing on their purchases. Good tips from Lawren Bogard of Shelby Gardens Memory Care too.

Hear stories of how people like you have been intentional in their pursuit of living in the home they want with the financing they can afford. Like a good exercise coach, the right home repair and financial professionals can help you with the right steps to happier homeownership.

Today you will hearing from Mayor Lee Harris about some positive programs and initiatives helping to make our Shelby County neighborhoods a better place to live. He introduces some brand new programs to bring value to our neighborhoods and to our school aged citizens. He talks about some economic strategies taking place too. Mayor Harris and appraiser, Tom King discuss the new Shelby County TN increase on our real estate tax assessment values and the efforts taking place to lower overall tax bill to homeowners.

Today you will hear some examples of how people are financing their home purchase and how some are financing investment real estate. And, as a bonus, during this show we have experts to show you the best way to appeal your 2025 Shelby County real estate tax assessment.

Today you will hear some examples of how people are financing their home purchase and how some are financing investment real estate. And, as a bonus, during this show we have experts to show you the best way to appeal your 2025 Shelby County real estate tax assessment.

Today you will hear how some very successful people did NOT retreat in uncertain times. 1. They accessed their situation, looking for gaps of opportunity 2. Appropriated their resources. 3. Took ACTION—quickly. Here is how a water-proof roof and income and value building resources worked for homeowners in turbulent times.

If you could design your life the way you want to live, where would you be living? What kind of activities would you have going on at your home? Hobbies, friends and family visiting? Pets? Would you work out of your home or away? Would you be retired?

Like a good flight plan, we will be helping you plot your mortgage course to your desired destination with the least amount of turbulence and at an affordable cost. Tom King and I will be helping you decipher what’s on the radar for mortgage rates and the housing market.

Tips on cost-effective ways t create curb appeal for your home. If you are trying to get a mortgage approved so you can buy a house or refinance an existing mortgage, don’t rely solely on LUCK to get your mortgage approved for the terms you want. Prepare to make a good first impression in these five areas- Capital, Character, Capacity, Collateral and Conditions.