“Whatever YOUR personal priorities are, my job is to help you get the mortgage terms that will give you bragging rights when you talk about it and help you score on hitting your goals.”
As a mortgage loan officer, my job is to help you get to the benefits you want from your financing terms. What is most important to you? I can help you find the financing terms that will help you get to what you want. What is your comfort level on a house payment? How much are you comfortable paying down,? What type of financing do you need to get the house you want to buy or refinance?
Different clients have different priorities in life—some are buying their first home with very little down payment funds. Some are recovering from medical challenges, divorces or preparing to send children to college and some are embarking on a long term goal of buying properties to build rental income.”
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 25 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 25 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.com Jo Garner also host the radio show Real Estate Mortgage Shoppe airing on News Radio AM 600 WREC and iHeart Radio with podcasts and show notes published on www.JoGarner.com
Michael Krisa - Vice President of YLE Consulting Group is a real estate broker and has been a practicing since 1989.
In that time he has won numerous awards for outstanding sales achievement and has managed a number of top producing offices.
Commonly known as "That Interview Guy", he is famous for getting up close and personal with the movers and shakers in the Real Estate Industry. His audio and video interviews let you go behind the scenes and learn from the greatest minds in the business.
In addition to his interviews with the leading names in real estate, Michael is also a consultant, coach, and VP of YLE Consulting Group
EXIT Realty Corp International’s CEO TAMI BONNELL is an internationally renowned leader in the real estate industry and was instrumental in building three major brands. Among her many achievements, she was recognized by Real Estate trend watcher, Stephan Swanepoel, three years consecutively as one of the 200 most Powerful and influential people in residential real estate, among the top 20 corporate executives and among the top 10 women leaders.
Ms. Bonnell has been a featured speaker at the NATIONAL ASSOCIATION OF REALTOR’S® convention to the Top 500 power brokers, The National Women’s Council REALTORS®, Inman News Connect Conference and the RIS Media’s Leadership Conference.
She was named to the National Association of Women in Housing & Real Estate Ecosystem ( NAWRB) Diversity & Inclusion Leadership Council (NDLIC).
Ms. Bonnell was honored by STEM connector as one of it’s 100 Corporate Women Leaders in STEM (science, technology, engineering and math).
Ms. Bonnell is a 30 plus year veteran of the real estate industry and joined EXIT Realty in 1999. She was appointed Chief Executive Officer in 2012.
She is a wife, mother of three and grandmother of three. In her spare time she is a martial artist, coach and referee.
Joseph Clough is a #1 Amazon best-selling Hay House author, International Master Trainer of Neurolinguistic Programming, and Celebrity Hypnotist with nearly 20 years experience.
He's also the creator of over 400 hours of Free hypnosis and coaching MP3s that have changed millions of lives and his app and podcast continue to be downloaded over 100,000 times a month.
His mission is to help each person, like you, achieve their full potential. He incorporate a unique combination of advanced techniques of Neuro Linguistic Programming with Time Line TherapyTM and Clinical Hypnotherapy, and has worked with celebrities and professional athlete clients around the world.
Joseph discovered this work after struggling with severe anxiety, blushing, fears, and low self-esteem, that he thought he'd have to live with for the rest of his life.
Fortunately, he found a life of emotional freedom and confidence, now speaking in front of hundreds of people, after experiencing the same powerful techniques he shares with his clients; and he's eager to share these transformational processes with you to achieve your goals, too.
EXIT Realty Corp International’s CEO TAMI BONNELL is an internationally renowned leader in the real estate industry and was instrumental in building three major brands. Among her many achievements, she was recognized by Real Estate trend watcher, Stephan Swanepoel, three years consecutively as one of the 200 most Powerful and influential people in residential real estate, among the top 20 corporate executives and among the top 10 women leaders.
Ms. Bonnell has been a featured speaker at the NATIONAL ASSOCIATION OF REALTOR’S® convention to the Top 500 power brokers, The National Women’s Council REALTORS®, Inman News Connect Conference and the RIS Media’s Leadership Conference.
She was named to the National Association of Women in Housing & Real Estate Ecosystem ( NAWRB) Diversity & Inclusion Leadership Council (NDLIC).
Ms. Bonnell was honored by STEM connector as one of it’s 100 Corporate Women Leaders in STEM (science, technology, engineering and math).
Ms. Bonnell is a 30 plus year veteran of the real estate industry and joined EXIT Realty in 1999. She was appointed Chief Executive Officer in 2012.
She is a wife, mother of three and grandmother of three. In her spare time she is a martial artist, coach and referee.
October is always the month I work on business planning for the coming year. This year will be no different, and certainly just as important as any other year, maybe even more! Even with all the opportunities in the market to deal with both refinances and purchases, there is much to plan for in 2021.
With everyone being stretched to beyond past limits, it isn’t easy to make time for these activities, but by doing this little by little, we can put together a plan that will help guide our way in the coming year!
First thing we need to do is look at our business this year and get honest about the numbers.
• How many units?
• Dollar amount in total and by transaction.
• Balance of business purchase/refinance
• Who were the referral partners?
• Use the Referral Triangle® to show the areas of actual business.
Once you get that done it is time to look at each side of the triangle and see who the people are that are the dominant referral partners, and who may not be doing as well as you thought!
The last thing to do in this section is to double check the data, look hard at the balance of business, and identify areas of weakness that you need to address.
If you have been tracking since your last business plan this won’t take more than thirty to forty five minutes to put together. If not, set up 30 minutes each night this week to get caught up! You can always use the Business Planning guide from last year to help you get through it. The fundamentals always remain pretty much the same. It’s on the website.
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