I will be sharing some stories ofcustomers and their reasonsfor being glad they own their ownhomes.

Whatdo YOU want to accomplish with YOUR mortgage? Let’s connect! Subscribe to get Real Estate Mortgage Shoppe podcasts with show notesweekly in your inbox by going to www.TNRDHomeLoans.com Call me at (615) 924-6215.

ToYour Success,

McKenzie Mortgage RD Loans, Mortgage Loan Officer NMLS# 757308

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A MERRY MORNING TO YOUFROM REAL ESTATE MORTGAGE SHOPPE!

Good morning,Memphis! Welcome to our internet listeners and podcast listenersacross the 50 states! You’re on Real Estate Mortgage Shoppe. I’myour host, McKenzie Mortgage RD Loans, Mortgage Loan Officer. You can connect with meat www.TNRDHomeLoans.com. Thank youto Rob Draughon and Shelley Rothman of Griffin, Clift, Everton andMaschmeyer Law Firm. For your real estate purchase or refinance,contact Rob and Shelley at (901) 752-1133. Our general topic isREASONS TO BE GLAD YOU OWN YOUR OWN HOME FORTHE HOLIDAYS. Subscribe to get Real EstateMortgage Shoppe podcasts with show notes at www.TNRDHomeLoans.com Call us while we’re live today December 21st, 2019 at (901)535-9732.

INTRODUCING JOHN AND JENNIFER LAWHON OF LAWHON LANDSCAPING

Johnand Jennifer Lawhon of Lawhon Landscaping are back in the Real EstateMortgage Shoppe studio. John and Jennifer, you have been busy, evenin this cold weather, installing new and improved designs forfamilies to better enjoy the outside of their homes. Take a minuteor so to introduce yourselves to our new listeners and talk aboutsome of the services you offer homeowners and business owners. (Johnand Jennifer introduce themselves and talk about the services theyoffer their clients)

HOMEIS WHERE THE HEART IS

(JO)Christmas is one of my favorite times ofyear. The other night I was sitting on the floor wrapping Christmaspresents in our living room and watching Christmas movies. Rememberthe 1990 movie “Home Alone?” Macaulay Culkin plays 8-year-oldKevin McCallister, who gets yelled at by his family and visitingrelatives over stuff Kevin does and says that is irritating to theothers. He gets sent up to the attic bedroom closed off from the restof the house and wishes that his family would disappear forever.

Thefamily gets up the next morning late and rushes off to the airport tofly to Paris, France for their Christmas vacation. They realizeafter it is too late that they forgot one thing in their hurry. Theyforgot and left little Kevin at Home Alone. His parents are franticand trying unsuccessfully to reach him but can’t reach anyone atall for help. The other family members that had been complainingabout him the night before were suffering from guilt. Kevin wokeand up and believed his wish had come true and his family had justvanished into thin air.

Kevinsoon was on a madcap mission to defend the family house from twobumbling burglars who think no one is at home and try to destroy theplace. After a couple of days of clever tricks and a battery ofbewildering booby traps, Kevin realizes with sadness that his home isnot completely home without his parents and his family. He looks upand prays that God will bring him his family back. Let’s not spoilthe ending for you…so you have to watch the movie.

Thismovie reminds me of so many reasons why people enjoy owning their ownhome. My mortgage customers over the years have shared theirstories.

FAVORITEREASONS TO OWN YOUR OWN HOME

1. Reason #1 It can offer a very nice tax break, especially if you own property that produces income for you as rental property. Check with your licensed financial advisors.
2. Reason #2 (paydown of principal ) Nice when part of every mortgage payment goes to pay down the principal balance each month and, in some cases can still shelter your income from the IRS.
3. Reason #3 Other great reasons to own your own home are giving you multiple exit strategies later if no matter what the economic conditions. A. Selling the home later and taking the profit. B. Moving out of the home but keeping it as a rental income producing property. C. Setting up the financing as an assumable loan to help sell the house if the housing market becomes a challenge.
4. Reason #4: Having the freedom to modify the home and the grounds to customize the home to fit how you and your family can best enjoy living there.

Are you trying to decide whether to rent or buy yourhome? Do you need to make some modifications to your home or yourfinances? What do YOU want to accomplish with YOUR mortgage? MAKEYOUR PLAN. LET’S WORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY,LET’S DO IT TODAY. Connect with me at www.TNRDHomeLoans.com.Email me at This email address is being protected from spambots. You need JavaScript enabled to view it. orjust call me at (615) 924-6215.

BRINGING HAPPINESS AND CHEER ON THE OUTSIDEOF YOUR HOME

John and Jennifer Lawhon, tell us about some ways your landscaping customers have used a newlandscape design or additions to the outside of their home bring more happiness and cheer to owning their ownhome…(John and Jennifer Lawhon give someexamples of customers who used a landscape design or irrigationservice or addition to outdoor structures to bring more joy to thefamily experiences)

You’reon Real Estate Mortgage Shoppe. I’m your host, McKenzie Mortgage RD Loans, MortgageLoan Officer. Connect with me at www.TNRDHomeLoans.comor call me at (615) 924-6215. When we come back we will be hearingmore from John and Jennifer Lawhon of Lawhon Landscaping.

THELOOK BACK MEMPHIS TRIVIA CONTEST

^2ndsegment after 9:15 break:OurLook Back Memphis Trivia Contest is brought to you by notableMemphis historian, Jimmy Ogle. Jimmy Ogle offers free historicwalking tours downtown in the spring and fall. For information aboutJimmy Ogle, go to www.JimmyOgle.com. The Look Back Memphis Trivia Contest is sponsored by John andJennifer Lawhon of Lawhon Landscape (901) 754-7474 the Lawhon’s canhelp you plan your landscaping if you have a BIG, BIG project or asmaller project or you can do the big project in phases . The Lawhonsare giving away a $25 gift card to the first person with the correcttrivia answer. If you know the answer to our trivia question, callus at 901 535 WREC 901 535-9732.

Garner# 167 * 12/21/19
ShelbyFarms Park

Question: I am consideredone of the largest of my kind in the nation. Who am I?

Hint:I began as a working institution in the 1920s.

Hint:Ihave been engulfed by the City of Memphis footprint over the past 60years.
Hint:I have numerous activities and facilities of all kinds for people ofall ages to enjoy FinalHint: I have a name that is very familiar to this community. Who amI?

Answer:ShelbyFarms Parkisone of the twenty largest urbanparks in the UnitedStates. At a size of 4,500 acres, it covers more than five timesthe area of CentralPark in NewYork City. It features more than 40miles of trails, both paved and unpaved, that are popular forwalking, biking, running and hiking. The Park’s trail networkincludes ShelbyFarms Greenline, an iconic 10.65 mile paved cycling andpedestrian trail that connects the heart of Memphis to the heart ofCordova through Shelby Farms Park. The Park has more than 20bodies of water which provide plenty of opportunities forfishing.

From 1929 until 1964 Shelby Farms was used as apenal farmoperated by Shelby County Government that received nationwide acclaimfor its success. Shelby Farms was opened for recreationalpurposes in the 1970s. In 2007, a public and private non-profitpartnership was established to provide for the daily operation of thepark and to plan for its future use. In 2008, a masterplan was put inplace for the redesign of the park. The re-design would provideadditional hiking and biking trails as well as more opportunities forboating in a much enlarged Patriot Lake.

Experiencethe magic of the holidays at Shelby Farms Park withStarry Nights– the largest holiday light display in the Mid-South, and afamily-friendly holiday experience with drive through LED lightdisplays, horse-drawn carriage rides, Santa photos, a petting zoo,holiday treats and more.
www.shelbyfarmspark.org/starry-nightsor call 901-222-7275.

Jimmy Ogle has retired from walking toursin Memphis. Twelve of his Memphis History lectures entitled MakingMemphis – Storytelling by Jimmy Oglemay be viewed for FREE on the internet by Googling “JIMMY OGLE PINKPALACE”. View JimmyOgle.comfor more information.

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TOPICSCOVERED BY JOHN & JENNIFER LAWHON OF LAWHON LANDSCAPING

1. Things you can do in winter to improve your home’s landscaping
2. Share stories of customers who have used your landscape designs to create recreational areas for children, older family members and pets?
3. Share stories of how your irrigation system has solved major problems for homeowners
4. Talk about the services you have offered clients to save their beloved trees and shrubs.
5. When is the best time to put down new mulch?
6. What are some different types of landscape designs? Recreational? Relaxing? Aesthetic? Vegetable garden? Commercial location?
7. What are some factors to consider about the use of the area you will have landscaped?
8. Talk about the charitable projects you have completed. Boy Scouts, Page Robbins Alzheimers Day Care, others
9. What other services do you offer in winter?

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TOPICS COVERED BY JO GARNER, MORTGAGE LOAN OFFICER

1. Rent vs Buy—Cathy’s story of why she chose to own her own home (4min testimonial from customer )
2. Tax Shelter—Realtor Raymond Ridley’s Story
3. Smart Mortgage Structure to Modify Home—Priscilla Peterson’s story

Apopular mortgage strategy with my clients recently has been torefinance their home to include paying off variable rate credit cardsand the variable rate Home Equity Line of Credit. Most of thesehomeowners had acquired quite a bit of variable rate debt due tounexpected family needs and other situations. Others were easilyable to carry the variable rate debt but were about to retire anddid not want the rising payments that come with rising rates whilethey were on a fixed income.

Priscilla Peterson (not herreal name) had a decent house fixed rate house payment and owed aboutaround $125,000 on a house worth about $315,000. She was about toretire and wanted to get a new roof on her house and new carpet abouta $25,000 investment which she originally planned to pay for with avariable rate Home Equity Line. After pulling out her calculator andpunching in what damage the rising payments could do to her on afixed income, she decided to borrow about $40,000 and to cover thehome improvements AND pay off her variable rate credit cards with afixed rate that would never go up.

Thiscash out refinance would cause the loan that Priscilla now only owed20 years on to go back to a 30 year loan but the payment would onlyby $149 per month higher and it would stay FIXED. Her calculatortold her that if she kept the variable rate credit balances and gotthe variable rate Home Equity Line, over the course of the next fewyears, the $40K for home improvements and other credit good cost hera lot more per month. The cash out refinance for Priscilla Petersonwas a small investment in peace of mind.

REALESTATE TIP OF THE WEEK (John and Jennifer shares a real estaterelated money-saving or time-saving tip):Don’t get rid of plants and shrubs that appear to be blighted withbrowning edges on the leaves. This year the temperatures in theMid-South went from very warm to below freezing very quickly. Thebrowning edges of the leaves on shrubs could just be from the quickfreeze and will come back to fully green when the new growth appearsin the spring.

ANNOUNCEMENTS:

Talk Shoppe offers freenetworking & education to anyone interested in real estate or inbusiness. Talk Shoppe meets every Wednesday 9A-10A CT in 2020 atConcorde Career College at the Clark Tower 5100 Poplar Ave inMemphis. Talk Shoppe’s next event Wednesday January 8^th,2020 will be there at Concorde Career College. Loretta McNary, hostof the Loretta McNary Show, will be getting up inspired and empoweredas she presents “Three Steps To Rock Your Star To The Top” Formore about Talk Shoppe go to www.TalkShoppe.com

Talk Shoppe events are freethanks to supporters like Trevor Day of River Surge Productionsvideography and streaming. Congratulations to Trevor for jumpinginto real estate to buy income-producing homes. We know you will dowell

1. Thank you for doing such a good job as Talk Shoppe’s Executive Officer, Nita Black, business strategist. Bartlett, TN. Nita can help you share your knowledge and skills online and make money doing it. Connect with Nita Black at www.901Elearn.com

2. Thank you again to realestate closing attorneys, Rob Draughon and Shelley Rothman ofGriffin, Clift, Everton and Maschmeyer for sponsoring today’sepisode of Real Estate Mortgage Shoppe. For your home purchase andrefinances, call Rob and Shelley to handle the closing at (901)752-1133

3. Merry Christmas, HappyChanuka and Enjoy the Holidays! Make lots of great memories!

3. Jack’s Challenge. Whodo you know who is going through a hard time this holiday season? Invite them out for coffee. Spend time listening to them and beingthe friend they need. You may never know this side of heaven thepositive difference you can make.

4. The Tigers play basketball later today. Go Tigers!!!

5. Subscribe atwww.TNRDHomeLoans.com and you canget our weekly blog posts with podcasts conveniently in your inbox.

6. Real Estate Mortgage Shoppe reminds you to MAKE YOUR PLAN. LET’SWORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, DO IT TODAY.

SPECIAL NOTE: REALESTATE MORTGAGE SHOPPE RECOMMENDS THAT YOU CONSULT WITH A FINANCIAL,LEGAL OR OTHER CERTIFIED, LICENSED PROFESSIONAL BEFORE ACTING ORINVESTING ON ANYTHING YOU HEAR OR SEE FROM THE CONTENT ON THIS SHOWOR BLOG POSTS. THE INFORMATION WE SHARE ON REAL ESTATE MORTGAGESHOPPE IS GENERAL IN NATURE MEANT FOR GENERAL EDUCATIONAL PURPOSESONLY. ALL EXAMPLES GIVEN FOR ILLUSTRATION PURPOSES ON REAL ESTATEMORTGAGE SHOPPE AND ARE BASED ON TRUE STORIES BUT WE USE FICTIONALCHARACTERS AND DO NOT DIRECTLY REFLECT REAL PEOPLE OR EXACT DETAILSIN ANY OF THE SITUATIONS.

QUOTE CORNER:

Phyllis Diller “WhatI don’t like about office Christmas parties is looking for a job thenext day.”

Anonymous “Three phrases that sum up Christmas—Peace on Earth, GoodwillToward Men and Batteries Not Included.”

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REJOINDERS:

1. Pat Goldstein, Realtor with Crye-Leike in West TN and North Mississippi (901) 606-2000
2. Loretta McNary, The Loretta McNary Show Memphis, TN www.lorettamcnary.com
3. Rob Draughon, Real Estate Closing Attorney with Griffin, Clift, Everton, and Maschmeyer Law Firm (901) 752-1133

Transitional Music: “Caroling,Caroling (Christmas Bells Are Ringing) by Nat King Cole;“The First Noel” by Elvis Presley; Christmas Canon by TransSiberianOrchestra; “Memphis” by Johnny Rivers for the Look Back Memphis TriviaContest

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ABOUT JOHN LAWHON OF LAWHON LANDSCAPING:

(901) 754-7474

Beautiful gardensbegin with thoughtful design. The staff of Lawhon Landscape Designincludes professionals with degrees in Landscape Architecture, PlantPathology, Studio Art, and Agronomy. Our designers and plantprofessionals create outdoor living spaces with your lifestyle inmind.

Our many years ofexperience in design, installing, and maintaining Mid-Southlandscapes make us uniquely qualified to create gardens that are bothbeautiful and practical to maintain.

A FamilyBusiness

Our business wasstarted in 1958 by Rex and Beth Lawhon and was one of the first weedcontrol companies in the Southeast. Over the years, we have kept ourclient list small and personal in order to serve the gardens ofMemphis with the best in lawn and shrub care. The high quality of ourwork has paid off over the years by the many repeat customers we have– both residential and commercial. We follow the philosophy ofdoing it right the first time. We hope that you will give us theopportunity to serve your garden needs as well.

In 1985, weexpanded our family company by offering a complete design buildlandscape service. John Lawhon, with a degree in LandscapeArchitecture, offers complete landscape designs for every budget aswell as outstanding plant installation services. In order to helpmaintain your landscape, we offer complete irrigation systeminstallation. We have verything you need to make your home morebeautiful than ever.

ABOUT JO GARNER-MORTGAGE LOAN OFFICER:

WHAT DO YOUWANT TO ACCOMPLISH WITH YOUR MORTGAGE?

www.TNRDHomeLoans.com (901) 482 0354 This email address is being protected from spambots. You need JavaScript enabled to view it. twitter @jogarner NMLS# 757308

“WhateverYOUR personal priorities are, my job is to help you get the mortgageterms that will give you bragging rights when you talk about it andhelp you score on hitting your goals .”

Asa mortgage loan officer, my job is to help you get to the benefitsyou want from your financing terms. What is most important to you? Ican help you find the financing terms that will help you get to whatyou want. What is your comfort level on a house payment? How muchare you comfortable paying down,? What type of financing do you needto get the house you want to buy or refinance?

Differentclients have different priorities in life—some are buying theirfirst home with very little down payment funds. Some are recoveringfrom medical challenges, divorces or preparing to send children tocollege and some are embarking on a long term goal of buyingproperties to build rental income.”

TNRDHomeLoans is a mortgage officer with extensive knowledge in tailoringmortgages to her customers who are refinancing or purchasing homesall over the country. She offers conventional, FHA, VA or other loanprograms for refinancing and purchases.

Jocan help you look at rent vs buy, when it makes sense to refinance,how to get the best deal on your home purchase financing.

TNRDHomeLoans has been in the real estate/financing business for over 25years. She got her start in Portland, Maine where she firstbegan her real estate career. She received her real estate educationfrom the University of Southern Maine and was personallymentored in San Diego, California by Robert G. Allen, author ofNothing Down,Creating Wealthand The Challenge.

Onmoving back to West Tennessee in 1987, she went into business buyingand selling discounted owner-financed notes secured on real estate. In 1990 Jo went to work for a residential mortgage company and hasbeen a mortgage loan officer for over 25 years. Her goal is tooffer excellent, affordable service to her customers, tailoring theloan programs to the specific needs of her clients.

In addition to her work in the mortgagefield, McKenzie Mortgage RD Loans is the primary sponsor and founderof Talk Shoppe in Memphis. www.TalkShoppe.com McKenzie Mortgage RD Loans also host the radio show Real Estate Mortgage Shoppeairing on News Radio AM 600 WREC and iHeart Radio with podcasts andshow notes published on www.TNRDHomeLoans.com