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When the Stakes Are High, Put the Best Real Estate Pros on Your Team

Written by Posted On Monday, 19 July 2021 00:00

“Put people around you who are the best at what they do, then let them do what they do best.”  Jo Garner 

Former baseball player Steven Kanborg finds it fascinating to watch people operate in high-pressure situations. He tells of the big college baseball playoff game. Everyone was playing as usual until two teammates, under stress, stepped out of character.  They forced throws, tried to do too much at the plate, and handed the opposing team the advantage.  It was a long bus ride home. 

As a homeowner, when you are trying to sell a home, buy another home, pack up, move, and unpack, it can feel like a high-stakes game.  A lot of transition and a lot of money on the line can add to the pressure.  If you are not a real estate professional yourself, it's time to consider the advantages of having a reputable real estate professional of excellence on your team.   

A good realtor can bring a powerful degree of separation between you and the other party, preventing common mistakes caused by stress.  They know the value of homes in your neighborhood and have more details on the surrounding sales than you can get on Zillow.  Realtors are trained in the best way to negotiate a real estate transaction.   They have at their fingertips good home inspectors, lenders, home repair contractors, and more. As a result, they can pave a smoother way through the process to eliminate negative surprises at the closing. 

The lowest interest rates in history are largely driving the real estate market in 2021.   This past week, mortgage rates moved down to the lowest mark since February.  Inflation numbers are at a ten-year high, and the economy is bouncing back with decreasing jobless claims. Still, Federal Reserve Chairman Jerome Powell is assuring the marketplace that the Fed will continue buying 120 billion dollars per month in mortgage-backed security bonds.   This bountiful bond-buying is the biggest reason mortgage rates are staying low, even though inflation is running hot. 

Mortgage rates are not tied to the Federal Reserve rate.  They are more closely tied to the 10-year bond yield.  When yields are up, the price on mortgage rates tends to move up.   Inflation and a stronger jobs market tend to pressure the bond yields higher and mortgage rates higher, but our current day market is not playing the game the way we are accustomed to seeing it played. Keep your eye on the scoreboard and the financial markets.  

As real estate professionals, we can include stories that show our clients how we solve problems for them in the real estate transaction and finance process, yet still make our customers the hero.  By doing what we do best, we free our customers to do better the things that only they can do for themselves and their families during the big move. 

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Jo Garner

“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  

www.JoGarner.com

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