Invest Your Dollars In A Mortgage That Makes Sense

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Jo 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…

Jo Garner


    • May 26, 2025 LATEST EPISODE
    • weekly NEW EPISODES
    • 43m AVG DURATION
    • 455 EPISODES


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    Latest episodes from Invest Your Dollars In A Mortgage That Makes Sense

    REAL ESTATE MORTGAGE ENM1 5-24-25

    Play Episode Listen Later May 26, 2025 42:50


    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.

    WHEN IS THE BEST TIME TO BUY OR SELL A HOME? HERE ARE THE SIGNPOSTS TO GUIDE YOU

    Play Episode Listen Later May 19, 2025 42:46


    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.

    Exercising the Right Moves for the Best Home and Mortgage Financing

    Play Episode Listen Later May 5, 2025 43:31


    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.

    Mayor Lee Harris Shares Programs and Upcoming Initiatives Making Shelby County TN a Better Place to Live

    Play Episode Listen Later Apr 28, 2025 42:52


    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.

    HOW TO FINANCE A HOME OR AN INVESTMENT PROPERTY IN TODAY'S MARKET

    Play Episode Listen Later Apr 21, 2025 42:45


    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.

    REAL ESTATE MORTGAGE ENM1 4-19-25

    Play Episode Listen Later Apr 21, 2025 42:45


    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.

    Homeowners Seize the Day in Turbulent Times -With a Water-proof Roof & THESE Resources from Real Estate

    Play Episode Listen Later Apr 13, 2025 42:23


    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.

    DESIGNING THE LIFE YOU WITH YOUR HOME FROM THE FLOORS TO THE FINANCING

    Play Episode Listen Later Apr 7, 2025 42:52


    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?

    DON'T BE LATE TO THE GATE FOR YOUR HOMEOWNERSHIP DREAM-BE PREPARED, BE PREAPPROVED.

    Play Episode Listen Later Mar 24, 2025 42:31


    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.

    REAL ESTATE MORTGAGE ENM1 3-15-25

    Play Episode Listen Later Mar 17, 2025 42:08


    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.

    REAL ESTATE MORTGAGE ENM1 3-8-25

    Play Episode Listen Later Mar 10, 2025 42:41


    Hopefully, if you have purchased a home in the past, your experience was a good one. If it was not a good experience, can you imagine working with a reputable realtor and experienced mortgage officer who gave you confidence so that you could relax and enjoy the homebuying journey? Click to hear this podcasts on ways you can pick the right professional to help you get to where you want to be.

    Real Estate Investment Homes-How to Find It & How To Fund It

    Play Episode Listen Later Mar 3, 2025 41:17


    To be successful at investing in real estate you need to start out with a strategy to earn you more income and make you wealthier. Today we are sharing with you ways you can FIND & FUND real estate income-producing properties and ways to build your wealth quicker.

    YOUR LOAN & YOUR VALUE: INSIDE MORTGAGE APPROVALS & APPRAISALS

    Play Episode Listen Later Feb 24, 2025 42:24


    Wouldn't you agree that it is easier to win at a game when you know the rules? Today we are giving you the inside scoop for having the best strategy for getting your mortgage approved. You will get expert tips for better results on your home appraisal too.

    Real Estate Love Stories-- From the Loan, the Home--Help to Insure a Happy Future

    Play Episode Listen Later Feb 16, 2025 41:43


    Sharing love stories and tips from the mortgage desk, insurance and care-giving industries. Tips to maintain harmony, peace and prosperity. Happy Valentine's Day!

    How to Power Past Procrastination and Win with Homeownership

    Play Episode Listen Later Feb 10, 2025 42:14


    Today we are going to show you how successful people have powered over procrastination to really win at something they wanted in life. What is causing you to procrastinate about buying your first home? What is causing you to wait on completing a home repair?

    The U.S. Economy 2025: Will It Bode Well or Worse for the Real Estate & Mortgage Markets

    Play Episode Listen Later Feb 2, 2025 42:12


    Imagine for a moment that discovered a large package on your front porch. When you opened it there were five Wall Street Journal newspapers stacked inside. But, not just ANY newspapers, but a newspaper dated for the end of the year over the next five years. What decisions would you make if you knew the future? Would you buy a home or a different home?

    PREDICTIONS FOR REAL ESTATE & MORTGAGE MARKETS WITH PRESIDENT TRUMP'S INITIATIVES 2025

    Play Episode Listen Later Jan 27, 2025 40:48


    Several experts from institutions such as the National Association of Realtors (NAR) and the Urban Institute have pointed to the administration's plans to incentivize homebuilding as a critical factor.

    Trending Windows of Opportunity in Real Estate 2025

    Play Episode Listen Later Jan 20, 2025 42:07


    Want to see behind the scenes on what other people are doing to take the window of opportunity in real estate? Get the tips and trends and find the opportunities that will work for you.

    GOOD THINGS TO KNOW, GOOD HABITS TO MAKE TO SUCCEED IN REAL ESTATE IN 2025

    Play Episode Listen Later Jan 5, 2025 39:17


    We are launching into the new year 2025. What do you want your life to look like in the next year? The next five years? Do you want to own a home? What do you want your home to look like? Who are the people you want to be with? Who do YOU want to be in the next year?

    GOOD THINGS TO KNOW, GOOD HABITS TO MAKE TO SUCCEED IN REAL ESTATE 2025

    Play Episode Listen Later Jan 5, 2025 39:26


    We are launching into the new year 2025. What do you want your life to look like in the next year? The next five years? Do you want to own a home? What do you want your home to look like?

    WAYS TO ENJOY HOMEOWNERSHIP DURING THE HOLIDAYS

    Play Episode Listen Later Dec 30, 2024 36:59


    Hear some stories of how people enjoy owning their home during the holidays—personally and financially. Home Helpers give insights and ideas on solutions for aging family members to remain at home with non-medical assistance.

    TIPS FOR THE ROAD TO HOMEOWNERSHIP 2025- WHAT TO PACK AND WHO TO TAKE AS PASSENGERS

    Play Episode Listen Later Dec 22, 2024 41:56


    Wondering what the road to homeownership looks like? Take a road trip with your lender and closing attorneys. We will guide you around the road hazards and help you get to your desired destination with your home. We can make the process EASY.

    Top Tips for Homebuyers Negotiating the Contract & Getting the Mortgage

    Play Episode Listen Later Dec 15, 2024 40:56


    Do you WANT to buy a house? Are you tired of wasting money on rent? Jo Garner, mortgage expert and experienced realtor, Pat Goldstein, share some top tips to help you use wise strategy and feel GOOD about your home purchase and your mortgage.

    PODCAST 12-7-24 STEPS TO BUYING & MAINTAINING HOME NOMUSIC

    Play Episode Listen Later Dec 9, 2024 42:46


    Is owning a home on your bucket list but you have not fulfilled this dream yet? Today you will get some clear steps for owning your home and handling maintenance on that home.

    Reasons to be thankful for homeownership---Wealth, Freedom & Community

    Play Episode Listen Later Nov 30, 2024 33:10


    Here are stories about people who gained financially by owning their homes and other stories of people who were enriched in other ways.

    Becoming A Home Repair Phenom!

    Play Episode Listen Later Nov 18, 2024 43:21


    1. Experience the problem 2. Research the problem 3. Address the problem

    QUICKER WAYS TO BUILD WEALTH & LEAVE A LEGACY THROUGH REAL ESTATE

    Play Episode Listen Later Nov 10, 2024 43:08


    What kind of legacy do YOU want to leave for your family, your friends? We are sharing some proven ways people have gained more wealth quicker owning real estate. Here are some steps you can take to protect your assets and leave a legacy to those you love.

    YOUR HOME, YOUR LOAN & YOUR LIFE-IF YOU CAN DREAM IT, YOU CAN DO IT

    Play Episode Listen Later Nov 3, 2024 42:30


    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.

    BUYING A HOME THROUGH NEW SEASONS IN LIFE-IT DOESN'T HAVE TO BE SCARY

    Play Episode Listen Later Oct 28, 2024 41:06


    Here's a formula that has proven successful for making changes not so scary, when it comes to your real estate.

    REAL ESTATE MARKET- BUY NOW & GET MY MORTGAGE OR WAIT UNTIL AFTER THE ELECTION?

    Play Episode Listen Later Oct 21, 2024 42:33


    When is the last time you were faced with a big decision –one that you weren't sure which direction to go or when? Today we will discuss the real estate market and predictions on what is to come.

    Finding Leaks in Your Home- Deciphering the Best Fix for Financing with a Refinance

    Play Episode Listen Later Oct 7, 2024 42:09


    Are you trying to detect, decipher and deduce the best way to achieve a financial goal? Are you trying to find the source of the leak in your house? Let's explore some methods Sherlock Holmes used to solve his conundrums. You can know that you know that you know you took the best path.

    How to Make the Right Choice with Your Mortgage & Home Improvement Project

    Play Episode Listen Later Sep 30, 2024 41:58


    How do you make big decisions? Do you look weigh the short term AND long term affects of your decision? Does your decision answer what you truly want in life? What are the pros and cons? Are you willing to take a chance?

    READY, SET, GO- HOW TO GET AHEAD OF COMPETITION BUYING REAL ESTATE & GETTING YOUR MORTGAGE

    Play Episode Listen Later Sep 22, 2024 41:01


    Whatever it is that your mind believes you can't do. YOU CAN DO IT. Just like these marathon runners, when you hear, “Ready, Set, Go,” GO! Put one foot in front of the other and keep moving forward.

    PROS AND CONS OF A METAL ROOF

    Play Episode Listen Later Sep 15, 2024 36:43


    Ed Hill, Senior Consultant, Masters Roofing Memphis The Pros and Cons of a Metal Roof

    INNOVATE & INITIATE TO PROFIT WITH REAL ESTATE CHANGES & HVAC LAWS

    Play Episode Listen Later Sep 9, 2024 42:12


    Are you thinking about buying a house but not sure if it is the right time? Are you thinking your can't afford the home you want? This show holds some answers for you about when and how.

    MAKING IT WORK WORKING FROM HOME-TECHNICAL & FINANCIAL SOLUTIONS

    Play Episode Listen Later Aug 26, 2024 42:15


    If our listeners today are working from home or considering moving your office to your home, stay tuned to get some ideas on the latest technology available to help you save money, time and will help you enjoy working remotely or from your home.

    Celebrating A Smooth Real Estate Closing by Preventing Problems from the Start

    Play Episode Listen Later Aug 19, 2024 42:01


    Does the homebuying or refinancing process seem a bit daunting? Today we are paving the way for you to have a smooth mortgage and real estate closing process.

    How To Be A Champion In The Changing Real Estate Market -Summer 2024

    Play Episode Listen Later Aug 12, 2024 41:02


    What is it that you want in life that seems so out of reach? What have you tried to achieve but have failed in the past? Take some encouragement from some of our champion US Olympic athletes. We will be giving you the latest on the MidSouth real estate market. You will hear some stories of people who are navigating this market like champions.

    REAL ESTATE MORTGAGE ENM1 8 - 3-24

    Play Episode Listen Later Aug 5, 2024 43:26


    Want to know how to counter the trend of insurance companies denying your homeowners insurance claims or trying to cancel your insurance?

    THROUGH WEATHER FOUL OR FAIR-KEEPING YOUR HOME AND FINANCIAL FOUNDATION FIRM

    Play Episode Listen Later Jul 28, 2024 40:53


    Do you want to buy a home, but the home price and the mortgage payment is making it difficult to fit your budget? Here are financial tweaks you can use to make your home purchase and your mortgage more affordable.

    Podcast 7 - 20 - 24 Reasons To Buy Now -new Construction & Existing NOMUSIC

    Play Episode Listen Later Jul 22, 2024 42:39


    Do 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

    Play Episode Listen Later Jul 14, 2024 41:57


    Do 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

    Play Episode Listen Later Jul 8, 2024 43:08


    ISSUES & ANSWERS-SOLUTIONS TO COMMON HOME REPAIR PROBLEMS

    KEEPING YOUR FAMILY SAFE AT HOME, AT WORK & WITH YOUR FINANCING

    Play Episode Listen Later Jul 1, 2024 43:44


    Position 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

    Play Episode Listen Later Jun 17, 2024 42:31


    Let'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

    Play Episode Listen Later Jun 10, 2024 42:37


    Remember 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

    Play Episode Listen Later Jun 3, 2024 42:19


    Like 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

    Play Episode Listen Later May 28, 2024 42:13


    If 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

    Play Episode Listen Later May 20, 2024 41:44


    It 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

    Play Episode Listen Later May 13, 2024 42:06


    Are 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

    Play Episode Listen Later May 6, 2024 43:25


    Here'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.

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