WANT TO KNOW SOME GREAT TIPS ON HOW TO BUY OR SELL YOUR HOME?—WEIGH IN FOR SOME WISDOM FROM THE WISE .
Good morning, Memphis! Good morning across the country on iHeart Radio and BOCI Radio. You’re on the Real Estate Mortgage Shoppe program and I’m your host, Jo Garner, Mortgage Loan Officer at www.JoGarner.com . If you’re on Twitter and you have a comment or question, send it to hashtag #JoGarner. If you want to talk real estate today—the call in number of the show is (901) 535-WREC (901) 535-9732. Tom King, long-time appraiser with Bill King Company is sitting at the coffee table again today. Tom, it is always great having you on the show. <Tom talks about what he does and what benefits he offers people going through divorce, estate situations, cash real estate purchase scenarios. >
(JO) Our general topic today is WANT TO KNOW SOME GREAT TIPS ON HOW TO BUY OR SELL YOUR HOME?—WEIGH IN FOR SOME WISDOM FROM THE WISE . Tom and I want to invite any experienced realtors out there to call us on the air and share with our listeners any brief tips-to-the-wise that you share with YOUR clients—and, Tom, if we don’t get enough callers, what do you think about us placing a call out to the realtors?—Like, hello, surprise, you’re on the air, share with us what YOU advise your clients? …what do you think?
<Tom replies his thoughts about how important it is to use a professional realtor in any of your real estate purchases to avoid costly mistakes.> (Jo) While we’re waiting on our realtor friends out there to call us, let’s talk about the market. The good news is that this past week 7-13-2015 to 7-17-15 mortgage rates dipped down a little bit to the lowest point so far in July. The price on mortgage rates had been in a steady upward climb for a while. The biggest influence causing our mortgage rate movement is the economy overseas, the European Quantitative Easing, The Greek Debt situation, the Chinese stock market crash and our own Federal Reserve comments. 30YR FIXED -around 4.125%; FHA/VA -3.75-4.25; conv 15 YEAR FIXED – 3.25%-3.375%. These are best execution rates and you can get lower rates than this if you want to pay a little extra. Your mortgage rate is calculated based on the loan amount, loan type, loan-to-value and credit score. Call me personally at 901 482-0354 or connect with me at www.JoGarner.com. I want to PERSONALLY talk with you whether you are in the Mid-South area or in any of the 50 states. Make the first call to me. I really want to talk with you PERSONALLY. <Tom asked Jo to talk a little bit about what I do in the mortgage business for my clients>
(Jo) I have been in the mortgage business of over 25 years. I started out in the lawn and landscaping business and when I sold that company about 30 years ago, the real estate bug hit me and became a realtor and a real estate investor but what I really love is the financing part of the real estate business. It is such a rewarding feeling at the end of the day knowing that I helped my client get bragging rights on the very best financing structure for their situation. Everybody has something unique about their situation today or their plans for the future, and this can be the BIGGEST financial investment some people every make! THAT’S why I want to talk with each client PERSONALLY. I’ve had the privilege of helping a 92 year old lady restructure her mortgage because she said she was tired of paying the high 15 year mortgage and she was ready to lower her note and LIVE a little and spend some money ENJOYING LIFE. She was a JOY to be around. I have worked with people who were struggling to come back after a devastating divorce or death in the family. I have such RESPECT for people going through tough times. It is so rewarding to follow up with them later and see how they have come out doing well . If you’re thinking about buying a home, or a second home or if you are considering buying some rental property here in the Mid-South or in any of the 50 states, call me Personally at 901 482 -0354. If you are thinking about restructuring your mortgage or you want to look into converting some bad debt to smart debt, let’s talk. You can call me personally off the air at 901 482-0354 or connect with me at www.JoGarner.com or you can call talk with both Tom and me right now at 901 535- 9732 901 535-WREC.
Tom and Jo discuss calling out to Pat Goldstein, Realtor of Crye-Leike to wish her happy birthday and ask her to share with our listeners some tips she shares with her own clients. We talk with Pat until first break 2nd SEGMENT Of Show iShare Agency SOCIAL MEDIA TIP OF THE DAY (background music “Roar” by Katy Perry)
_________________________________________________________________________
To our realtor friends and other savvy and sharp business friends out there, its time for the iShare Agency Social Media Tip of The Day for real estate professionals. Bruce Orpet, president of Proforma Southprint has joined us around the coffee table. Tom and I know Bruce from our Business Networking International BNI group. Bruce has plenty of experience promoting people in the real estate industry and other types of businesses too, providing promotional gifts and other branding tools.
Bruce is our iShare Agency Expert with the iShare Agency Social Media Tip For Real Estate Professionals. Bruce what is iShare Agency and what is our social media tip of the day?–(about 2 minutes >)
QUESTIONS ANSWERED BY BRUCE ORPET:
1. Bruce , while we have you at the mic, tell us a little more about what you do with
Proforma Southprint?
2. What are some promotional ideas or products that you can provide for people in the
real estate business?
Tom and Jo take calls from our listeners AND realtors and we make
calls out to the following to the following realtor friends:
1. Ellis Rankin, Realtor with Realty One Group-First National. 901 406-
2. 3141 Ellis works a lot with veterans. He serves with the Vietnam
Veteran Association and a few months ago we were talking on this
show about Ellis the Welcome Home Vietnam Veterans Picnic at
Overton. Ellis, you’re on the air on News Radio AM 600, iHeart
Radio and BOCI Radio. You work with a lot of veterans and first-
time homebuyers. Would you share with our listeners some tips
that you give YOUR clients—especially your military veteran
clients? <Ellis shares his tips and his contact info>
3. Donna Gilluly, Realtor with John Green Company in Collierville, TN
(901) 246-8951
Brenda Medling, Realtor with Keller Williams called in and shared
some kudos! and some real estate tips. We related a customer
testimony who was “wowed” by Brenda Medling and her team when
they had to sell their house quickly. They said Brenda was very
professional, very knowledgable and brought her staging team in
when the house was officially listed by Brenda. Needless to say,
Brenda sold their house right away at a great price! YOU can reach
Brenda Medling at Keller Williams Realty in the Memphis area (901)
270-4621 www.brendamedling.com
(If we really catch the agents off guard, here are some questions we
could ask them to get them talking- What advice do you give prospective
homebuyers BEFORE they begin the house buying process?
2. What are common mistakes you see real estate buyers and sellers make. How do you
suggest they avoid these mistakes?
3. You have really been selling a bunch of houses lately, Pat. What is your secret?
REAL ESTATE TIP OF THE WEEK: Bruce Orpet shares the iShare Agency Social Media
Tip For Real Estate Professionals again –about 2.5 minutes.
Announcements: Talk Shoppe offers free education and networking to anyone
interested in real estate or in business. This Wednesday July 22nd, 2015 9A-10AM
at the University of Phoenix 65 Germantown Court Cordova, TN (across from The
Butcher Shop), Author, speaker and business coach– Bridgett DiCello will be
presenting “Building Trust.” For more information about Talk Shoppe, go to
www.TalkShoppe.com
To hear the podcast from today’s show or other podcasts, go to www.JoGarner.com
SPECIAL THANKS TO ANNETTE GAVIN, MASTERS IN MARKETING GRADUATE
FROM UNIVERSITY OF PHOENIX IN MEMPHIS Annette.47gavin@yahoo.com FOR
TWEETING AND OTHER MARKETING SPECIALTIES
Make Your Plan, Work Your Plan. If The Deal Works For You Today, Do It
Today. See you next week!
__________________________________________________________________
Transitional Music: 9:15am “ Our House” Crosby Stills and Nash; 9:30 AM King of the Road by
Roger Miller; 9:45 AM “The House That Built Me” by Miranda Lambert;
“Roar” Katy Perry Please start at 1:05 min right when she sings the “I” of the chorus
for the iShare Agency Social Media Tip of the Week
The Quote Corner: (on wisdom)
old enough to know better, young enough to try it again -unknown
Learn from the mistakes of others. You can’t live long enough to make them all
yourself-unknown
To be old and wise, you must first have to be young and stupid-unknown
FEATURED ON THE SHOW-BRENDA MEDLING, REALTOR KELLER WILLIAMS
REALTY-
Brenda Medling, Realtor with Keller Williams called in and shared some
kudos! and some real estate tips. We related a customer testimony who
was “wowed” by Brenda Medling and her team when they had to sell their
house quickly. They said Brenda was very professional, very
knowledgable and brought her staging team in when the house was
officially listed by Brenda. Needless to say, Brenda sold their house right
away at a great price! YOU can reach Brenda Medling at Keller Williams
Realty in the Memphis area (901) 270-4621 www.brendamedling.com
FEATURED ON THE SHOW-ELLIS RANKIN, REALTOR REALTY GROUP-FIRST
NATIONAL (901) 406-3141
Ellis Rankin, Realtor with Realty One Group-First National. 901 406-
3141 Ellis works a lot with veterans. He serves with the Vietnam Veteran
Association and a few months ago we were talking on this show about Ellis
the Welcome Home Vietnam Veterans Picnic at Overton. Ellis, you’re on
the air on News Radio AM 600, iHeart Radio and BOCI Radio. You work
with a lot of veterans and first-time homebuyers. Ellis shared with our
listeners some tips that
Ellis gives HIS clients—especially your military veteran clients?
FEATURED ON THE SHOW—DONNA GILLULY, REALTOR JOHN GREEN & CO.
Donna Gilluly, Realtor with John Green Company goes over and above the delivers great real
estate services with a focus on the individual client and their individual needs. Mobile Phone:
(901) 246-8951
Also featured as a caller – Gwen Christensen owner of Builders Floors and Interiors (901)
382-2155
ABOUT ANNETTE GAVIN:
Annette Gavin has a Masters in Marketing from the University of Phoenix
Memphis campus. She is volunteering temporarily for Talk Shoppe and the
Real Estate Mortgage Shoppe program. Her specialty is in Marketing
Analysis. To contact Annette about making a difference in your marketing
numbers at YOUR company, contact her at Annette.47gavin@yahoo.com
ABOUT TOM KING:
Tom is a well- respected and sought after appraiser in Memphis, Tennessee. He is a
second generation appraiser with 40 years experience. He has been elected to the
Memphis Area Association of Realtors Board of Directors three times.
Tom is a certified residential appraiser in Tennessee. He have appraised over 20,000
homes in his career. A graduate from the University of Tennessee with a degree in real
estate, Tom is also a Certified Relocation Professional (CRP). Tom also has vast
experience in dealing with the county and state boards of equalization and in valuations
of property for tax appeal purposes. (901) 487-6989
ABOUT JO
ABOUT BRUCE ORPET: bruceorpet@gmail.com
President
PROforma SouthPrint
September 2009 – Present (5 years 11 months)
President and owner of PROforma SouthPrint, a full-service printing/promotional products company,
serving the entire Memphis metro area.
Specialties:Customer service,product/name development, communications, marketing, and relationships
Bruce Orpet has owned PROforma SouthPrint for about 5.5 years now. Before that he was the
marketing manager for Cellular South (now called CSpire) for 8.5 years. He was charged with
the launch of the Cellular South brand in Memphis and the Mid-South, and creating sponsorships
that aligned Cellular South with all the right companies and organizations. His degree is in public
relations from University of Memphis. He was born and raised in Memphis, went to Central
High School…class of 1975. He is married now 16 years to wife, Andi, and has two daughters,
six grandchildren, two chihuahuas, and a cat. His clients stretch from Memphis to NY.
ABOUT JO GARNER, MORTGAGE PROFESSIONAL WITH EVOLVE
BANK & TRUST
www.JoGarner.com (901) 482 0354 jo@192.232.195.219 twitter @jogarner
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 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 Garner has been in the real estate/financing business for over 20 years. 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.
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 20 years.
Her goal is to offer excellent, affordable service to her customers, tailoring the
loan programs to the specific needs of her clients.
In addition to her work in the mortgage field, Jo Garner is the primary sponsor and
founder of Talk Shoppe in Memphis. www.TalkShoppe.BIZ She was also the editor of
Power Shoppe, a free weekly e-zine designed for real estate professionals and others
indirectly connected to the real estate industry and currently publishes on her blog
www.JoGarner.com .
For real estate financing solutions, plug into the Real Estate Mortgage Shoppe
program. You can find mortgage rates, FHA Streamline refinance with no out-of-
pocket costs, refinancing options, home purchase loan programs, answers and
real estate, money-saving tips and more.