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 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 ma ...
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Jo Garner Podcasts

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WANT TO BUY A HOME OR NEED TO REPAIR ONE? TREASURE HUNTING FOR FUNDS TO MAKE IT HAPPEN
40:58
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40:58Follow 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)By Jo Garner
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MORTGAGE RATES AT 12-MONTH LOW—IS THIS THE RIGHT TIME TO MAKE YOUR REAL ESTATE MOVE?
40:14
40:14
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40:14Did 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 hom…
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THE ONE BIG BEAUTIFUL TAX BILL -HOW IT AFFECTS YOUR TAXES, YOUR REAL ESTATE & MORTGAGE MARKET 2025
41:47
41:47
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41:47Where 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.…
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Mortgage Loans to Lawns-How To Design the Way You Want to Live
41:47
41:47
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41:47What’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.…
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Expert Tips On Downsizing With Less Stress -Real Estate, Financing, Moving & More
38:59
38:59
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38:59Expert Tips On Downsizing With Less Stress -Real Estate, Financing, Moving & More by Jo GarnerBy Jo Garner
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Homebuyer's Guide: How to Prepare for Buying a House and Getting a Mortgage
42:12
42:12
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42:12If 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.…
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“My Home Appraisal & My Mortgage Approval-What Adds Value & What Mistakes to Avoid”
40:52
40:52
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40:52Today 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.…
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“Build Smart, Borrow Right-Tips from Your Homebuilder and Your Mortgage Lender”
37:35
37:35
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37:35“Build Smart, Borrow Right-Tips from Your Homebuilder and Your Mortgage Lender” by Jo GarnerBy Jo Garner
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“Fraud-Proofing Your Wallet & Real Estate Deal: Tips from the Mortgage & Legal Pros”
38:46
38:46
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38:46What 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 Cl…
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“Fix it, Finance It: Fixing Your Home and Your Mortgage Approval”
41:01
41:01
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41:01Have 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.By Jo Garner
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“Dispelling Myths That Hold Veterans and Others Back From Buying A Home”
42:17
42:17
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42:17So 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.…
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“Mortgages with a Future: How Your Loan Today Affects Your Legacy Tomorrow”
41:10
41:10
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41:10What 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 d…
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Rental Riches: Strategies for Buying & Funding Investment Homes
43:59
43:59
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43:59Have 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 …
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REAL ESTATE GOLD: WHO’S WINNING WITH TODAY’S HOME PRICES & RATES?
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42:18
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42:18THERE’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 pay…
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Creative Ways to Get Your Mortgage Approved & Your Home Insurance Claims Paid
43:50
43:50
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43:50Do 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…
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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.…
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WHEN IS THE BEST TIME TO BUY OR SELL A HOME? HERE ARE THE SIGNPOSTS TO GUIDE YOU
42:46
42:46
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42:46How 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.…
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Exercising the Right Moves for the Best Home and Mortgage Financing
43:31
43:31
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43:31Hear 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.By Jo Garner
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Mayor Lee Harris Shares Programs and Upcoming Initiatives Making Shelby County TN a Better Place to Live
42:52
42:52
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42:52Today 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 apprai…
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HOW TO FINANCE A HOME OR AN INVESTMENT PROPERTY IN TODAY’S MARKET
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42:45
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42:45Today 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.By Jo Garner
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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.By Jo Garner
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Homeowners Seize the Day in Turbulent Times -With a Water-proof Roof & THESE Resources from Real Estate
42:23
42:23
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42:23Today 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.…
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DESIGNING THE LIFE YOU WITH YOUR HOME FROM THE FLOORS TO THE FINANCING
42:52
42:52
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42:52If 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?By Jo Garner
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DON’T BE LATE TO THE GATE FOR YOUR HOMEOWNERSHIP DREAM-BE PREPARED, BE PREAPPROVED.
42:31
42:31
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42:31Like 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.By Jo Garner
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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 a…
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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 professio…
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Real Estate Investment Homes-How to Find It & How To Fund It
41:17
41:17
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41:17To 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.By Jo Garner
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YOUR LOAN & YOUR VALUE: INSIDE MORTGAGE APPROVALS & APPRAISALS
42:24
42:24
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42:24Wouldn’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.By Jo Garner
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Real Estate Love Stories-- From the Loan, the Home--Help to Insure a Happy Future
41:43
41:43
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41:43Sharing love stories and tips from the mortgage desk, insurance and care-giving industries. Tips to maintain harmony, peace and prosperity. Happy Valentine’s Day!By Jo Garner
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How to Power Past Procrastination and Win with Homeownership
42:14
42:14
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42:14Today 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?By Jo Garner
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The U.S. Economy 2025: Will It Bode Well or Worse for the Real Estate & Mortgage Markets
42:12
42:12
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42:12Imagine 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 ho…
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PREDICTIONS FOR REAL ESTATE & MORTGAGE MARKETS WITH PRESIDENT TRUMP’S INITIATIVES 2025
40:48
40:48
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40:48Several 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.By Jo Garner
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Trending Windows of Opportunity in Real Estate 2025
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42:07
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42:07Want 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.By Jo Garner
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GOOD THINGS TO KNOW, GOOD HABITS TO MAKE TO SUCCEED IN REAL ESTATE IN 2025
39:17
39:17
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39:17We 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?By Jo Garner
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GOOD THINGS TO KNOW, GOOD HABITS TO MAKE TO SUCCEED IN REAL ESTATE 2025
39:26
39:26
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39:26We 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?By Jo Garner
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WAYS TO ENJOY HOMEOWNERSHIP DURING THE HOLIDAYS
36:59
36:59
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36:59Hear 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.By Jo Garner
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TIPS FOR THE ROAD TO HOMEOWNERSHIP 2025- WHAT TO PACK AND WHO TO TAKE AS PASSENGERS
41:56
41:56
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41:56Wondering 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.By Jo Garner
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Top Tips for Homebuyers Negotiating the Contract & Getting the Mortgage
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40:56
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40:56Do 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.By Jo Garner
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PODCAST 12-7-24 STEPS TO BUYING & MAINTAINING HOME NOMUSIC
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42:46
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42:46Is 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.By Jo Garner
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Reasons to be thankful for homeownership---Wealth, Freedom & Community
33:10
33:10
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33:10Here are stories about people who gained financially by owning their homes and other stories of people who were enriched in other ways.By Jo Garner
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1. Experience the problem2. Research the problem3. Address the problemBy Jo Garner
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QUICKER WAYS TO BUILD WEALTH & LEAVE A LEGACY THROUGH REAL ESTATE
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43:08
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43:08What 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.By Jo Garner
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YOUR HOME, YOUR LOAN & YOUR LIFE-IF YOU CAN DREAM IT, YOU CAN DO IT
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42:30
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42:30What 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.By Jo Garner
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BUYING A HOME THROUGH NEW SEASONS IN LIFE-IT DOESN’T HAVE TO BE SCARY
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41:06Here’s a formula that has proven successful for making changes not so scary, when it comes to your real estate.By Jo Garner
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REAL ESTATE MARKET- BUY NOW & GET MY MORTGAGE OR WAIT UNTIL AFTER THE ELECTION?
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42:33
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42:33When 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.By Jo Garner
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Finding Leaks in Your Home- Deciphering the Best Fix for Financing with a Refinance
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42:09
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42:09Are 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.By Jo Garner
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How to Make the Right Choice with Your Mortgage & Home Improvement Project
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41:58
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41:58How 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?By Jo Garner
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READY, SET, GO- HOW TO GET AHEAD OF COMPETITION BUYING REAL ESTATE & GETTING YOUR MORTGAGE
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41:01Whatever 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.By Jo Garner
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Ed Hill, Senior Consultant, Masters Roofing MemphisThe Pros and Cons of a Metal RoofBy Jo Garner
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INNOVATE & INITIATE TO PROFIT WITH REAL ESTATE CHANGES & HVAC LAWS
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42:12
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42:12Are 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.By Jo Garner
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