![What Can Happen When A Young, Entrepreneurial Woman Starts A Service Generally Dominated By Men? [VIDEO]](/media/k2/items/cache/b57092891797ebd4e98a8f31bae8ef2c_L.jpg)
Meet Jo Garner Who Shares Her Story Of How She Created One Of Her First Entrepreneurial Companies And How That Prepared Her For Future Success
“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
![Are You Afraid Of Success? Tami Bonnell, CEO Of Exit Realty Shares A Focus On Why You Need To Work Harder On Yourself Than You Do On Your Job And How That Empowers Your System And Your Success [VIDEO]](/media/k2/items/cache/8d746dca0b5930a65e76a18985742f87_L.jpg)
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.
![Did You Know That Happiness Can Be A Second Language? Meet The Author Of “Happiness As A Second Language”, Valerie Alexander, Where She Shares The Simple Secrets Of How To Harness The Power Of Happiness For Both Productivity & Profitability! [VIDEO]](/media/k2/items/cache/26d387dac6acdc1d95fb31a6226ea65d_M.jpg)
![Do You Start Your Day With A List? Tami Bonnell, CEO Of Exit Realty, Shares How You Get What You Expect And How To Reframe Your Thinking To Create Your Day By Design, And Not By Default, With Her Full Circle Action Plan For Permanent Impact [VIDEO]](/media/k2/items/cache/326c04bbb1b4e95305c8448ae24dd81d_M.jpg)
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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Women Often Share How They Don’t Feel Good Enough. Joseph Clough, Master Hypnotist Shares How To Eliminate This Self-limiting Belief And Resources To Help! [VIDEO]
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.
Here we are in October and as always, we must take some time and make our final coarse corrections to navigate the end of the year. The things we must be fully aware of are:
• When is the last day I can accept a new loan application that will close in 2020?
• Refinances are also dealing with the likely fifty basis point hit to agency loans on December 1st if nothing changes.
• Who are the referral partners that are meeting or falling below expectations?
• What are my personal projections for the remainder of the year?
• Are there any targets in units, dollar volume, or activity that we can make a stretch for?
• Holiday Calendar
• Who are the five new referral partners I want to add to my network as part of the 2021 referral group?
• Where am I on the 20 extra refinances?
• Get your CE done NOW if you haven’t done it yet!
We are going to tackle Business Planning this month as I always do in October. Setting up this mini-plan to navigate the end of this year will help set the stage!
Questions or comments: This email address is being protected from spambots. You need JavaScript enabled to view it.
More...
A few conversations this week brings today’s post. In a few completely different conversations with originators from different parts of the country, a parallel appeared and it was important enough for me to share. In two of these conversations, prospective new applicants came to the table with “Pre-approvals” from lenders they had talked with. They were asked questions and quickly given letters. In both cases the agent they were working with didn’t trust the letters and asked them to speak to my clients. In both cases, these people were not qualified for anywhere near the loan size they were “approved” for, and one of those didn’t meet the program guidelines for the program at all.
In a different case than above, a new client came into the process of being pre-approved thinking her good credit automatically qualified her for any size mortgage she wanted. While it was true that both her and her husband had very good to excellent credit, more than a third of their gross income was tied to the two new cars they recently purchased. Their credit allowed them to buy very nice cars, but now those payments restricted their ability to buy a home. The client was absolutely beside herself when told she couldn’t get anywhere near the loan she wanted because of her car payments. She just thought her credit was “good enough” to get a mortgage. Her credit was good enough; it was her income and the two car loans that were the challenge!
Many people lack the facts needed to navigate the entire mortgage process. In my opinion; many of today’s home buying public have a real challenge with financial literacy. They don’t fully understand how all of the structural components come together to buy a home. Great credit to buy a car is NOT the same as the credit to buy a house. That also holds true for credit cards and credit lines. In fact, many of those things are pretty easy to obtain and certainly are not as restrictive as getting a mortgage!
As professionals we need to set expectations and do a complete job upfront with any new prospect. We also need to educate our referral partners and share information through social media so it can be found! Being a trusted advisor and a local professional really matter. Maybe now more than ever before!
Questions or comments: This email address is being protected from spambots. You need JavaScript enabled to view it.
Are you one of those who can't do enough? Want to do more than enough? Over the top? You know, the type of person who will scan the universe to get the best present for a friend, settle only for the flowers that are the absolute favorites for your best friend, make the perfect meal for your love interest, excel at work, over the top on party details? Are you one of “those”? We love you anyway…
When we love someone whether it’s a BFF, a love interest, our pets, our family – whatever is the object of our focus, our attention (or obsession) – you have to wonder if we are a bit over the top and if so, is that good or bad? Maybe…
As an example, some of us are relentless at being organized and (you know who you are) the masters of organization, planning, down to every detail and scenario and in the perfect timeline….and we love you for that.
There are others of us who get it done our way, but not necessarily in the same comprehensive manner, and while effective, not quite as methodical as our other friends, which is great…and we love you anyway.
Here’s a thought: A friend invites you to a get together with “friends” Some of us would be simply thrilled at the sweet gesture of being invited, and delighted to bring a dish to share in this casual backyard gathering.
But what if there was a totally different experience when you arrived? Imagine walking into the same backyard transformed into an over the top “not like my backyard” kind of event? The energy is palpable as being to hear gospel singing rocking the welcome. As you step into the changed back yard you observe the spectacularly adorned tables, with masses of flowers, thoughtful small gifts placed at each setting for each invitee and a magnificent menu all in this story book setting resplendent in flowing linens and lots of sweet tea and wines to enjoy….Fun? Yes! Memorable? For sure! The experience impacts on many different levels- all good, but even compared to a simple “backyard let’s get together” both can be richly and deeply enjoyed, treasured, memorable and loved.
What does this have to do with friends?
Let’s take the backyard scenario a bit further. Let’s pretend you meet new friends there – and it was such fun as you got to know them, and be enchanted by how much you had in common, that you were drawn to their energy, personality, wit, charm and humor and immediately started finding a day to meet again…awesomeness! No matter the event, formal or informal the real gifts were the magic of connecting with others that made you enjoy, share, discover, learn, and appreciate.
Both events can have the same or better impact strictly “because of the people you meet and the friends you make”. Although the energies differ, in the end, meeting new people whether in a simple or decadent way, the gift is the convergence of new experiences with new people.
So here we are -… and you are about to enter a party! The gifts are the same whether it Is as laid back as a backyard get together- last minute-join us for a glass of something, to a flat out over the top like you’ve never experienced soiree.
We won’t know “you” unless you will consider sharing a quick little post about who you are and what you do so we can start the conversation. Let us find out we have a lot in common or that you have a special expertise, a vision we have never experienced before or knew about before our “connection.” What if this connection has put us divinely together in this space and time to discover, learn, enjoy, share your “special gifts”?
In less than a week since last week’s blog post, Karl Weiss in Arizona has put together 8 refinances, 1 purchase loan, two listing appointment referrals for his realtor referral partners, one of those appointments turned into a listing that is now under contract in less than three days, and a purchase loan application as soon as the sellers find their “Forever Home!” I asked you to spend just a few hours a week working the “Forever Home Strategy®” to secure 20 refinances, a few listing appointments for your realtor referral partners, and a couple of purchase deals. Karl took up the challenge and is well on his way to smashing all expectations! Great Job Karl!
The commitment to following the plan and providing the best possible client information and experience, while becoming a trusted professional in your market is a special one, and one that absolutely is worth the effort. But how will anyone know that YOU are that special provider? The mortgage professional with the knowledge, expertise, ability, and proven track record they are looking for? Well, I hope to make that easier for you than ever before. Next Tuesday, September 22nd, 2020 during my regularly scheduled monthly coaching call, I will lay out for you the new “VRMS” designation for mortgage professionals. “Verified Residential Mortgage Specialist” is designed to set a standard of excellence, execution and delivery of the very best customer experience an originator can provide in your specific market.
This designation will include more than 25 hours of personal instruction. It will require proficiency in specific systems, procedures, technology, and delivery of mortgage loan in your specific market, more than 100 verified closed loans in the past 365 days as verified by your company and/or NMLS. We will also require specific customer feedback in the form of social media or written survey responses from the very clients served stating their satisfaction with their loan originator and the performance during the contact through closing experience.
Many of you reading this blog or watching this vlog post that are past or current clients of IMT Coaching LLC, may already qualify for this designation once your current information is verified! To find out more, please be sure to attend the monthly coaching call on Tuesday September 22, 2020 at 1pm eastern time. If you are unable to attend the call, you may contact me directly for more information.
Questions or comments: This email address is being protected from spambots. You need JavaScript enabled to view it.
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