MORTGAGE FOR FINANCING HOME REPAIRS AND CLEAN UP

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MORTGAGE FOR FINANCING HOME REPAIRS AND CLEAN UP

Inthis show Clint Cooper of Redeemers Group will be sharing some tipson how to identify mold in your home and how to prevent it.

You willhear of some solutions other homeowners have used to keep moldproblems away. I will be covering some financing solutions homebuyers, real estate investors and people needing to use renovationand repair programs to improve the home where they already live.

Whatdo YOU want to accomplish with YOUR mortgage? Connect with me atwww.TNRDHomeLoans.com or emailThis email address is being protected from spambots. You need JavaScript enabled to view it. or call me andlet’s talk about your plans and how to best finance them. (901)482-0354

ToYour Success,

McKenzie Mortgage RD Loans, Mortgage Loan Officer NMLS#757308 Sierra Pacific Mortgage

LET’S GETSTARTED…

Good morning, Memphis! Welcome to our internet listeners and podcast listeners across the 50 states! You’re on Real Estate Mortgage Shoppe. I’m your host, McKenzie Mortgage RD Loans, Mortgage Loan Officer. You can connect with me at www.TNRDHomeLoans.com. Our general topic is MORTGAGE FINANCING FOR HOME REPAIRS AND CLEAN UP. Thank you to Sierra Pacific Mortgage in the Cordova, TN office for sponsoring this episode of Real Estate Mortgage Shoppe. Who do you know who is a mortgage loan officer looking for a supportive team to take their business to the next level? Let’s talk! Subscribe to get Real Estate Mortgage Shoppe podcasts with show notes at www.TNRDHomeLoans.com Call us while we’re live today January 11th, 2020 at (901) 535-9732.

Clint Cooper, owner of Redeemers Group, the company thatis redefining your industry of home foundation repair. Clint, I ampositively amazed at what you and your team have accomplished atRedeemers Group. You and your company have been recognized in Inc.Magazine as one of the top 5,000 companies in the nation. Take amoment and tell our listeners a little bit about yourself and whatRedeemers Group does for you your customers. (Clintintroduces himself and talks about the services Redeemers Groupoffers their customers )

(Jo) Clint, in our current market where therearen’t enough houses on the market to meet the current demand, someof my real estate investor friends are having to get creative to findthat bargain deal buying a home. If YOU are one of those people whostill want some bragging rights on getting a bargain real estateinvestment, one of the places to look is for a fixer-upper propertythat needs a lot of work.

If you find afixer-upper, you are probably going to need special financing topurchase it. Let’s talk! Later in the show I will be sharing somespecial loan programs you can use to achieve your goal to get abargain.

On housesneeding major fix ups, traditional financing programs require anappraisal. When the appraiser points out any repairs that compromisethe structure, security of safety of the home, mortgage underwritersalmost always require these repairs to be completed BEFORE you close. But you don’t want to pour a lot of your money into a house youdon’t own yet. That’s why you need special financing. Here’san example of a couple that found a house that needed the roofreplaced. They did not have to get a special loan but they DID needto do some extra finagling to make this deal a win-win for them andthe seller.

Tal and TiaThompkins were recent empty-nesters who needed to downsize to asmaller home to free up enough money to experience their lifelongdream of being frequent cruise ship adventurers. After over a monthof looking for their perfect home, they were smitten by a very small,rustic, older place in a quaint neighborhood. Tal and Tia felt athome in the quaint neighborhood and the smaller place would expandtheir free time and money too.

Bad news camelike a black cloud with the home inspection though. The home neededa major roof repair which was going to cost about $3,500 to $4,000.The mortgage company required this to be repaired before closingsince it affected the structure and habitability of the house. Howcould Tal and Tia get around this looming obstacle?

In this case,the realtor helped negotiate for the seller to pay for the roofrepair AND have it done before closing, but only AFTER the Thompkinsmortgage was fully approved, subject only to roof repair being done. The roofing contractor agreed to be paid the day the home sold so thesellers could pay him from proceeds from the sale. It was ahappy ending helped by the realtor, the lender and the buyer andsellers being willing to negotiate creatively.

What do YOUwant to accomplish with YOUR mortgage? MAKE YOURPLAN. LET’S WORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, LET’SDO 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.

Clint Cooper,you have a motto that “The right solution permanently fixes theissue.” You also live up to your other motto that “Customersdeserve an amazing experience.” Share a quick example of how oneof your customers was suffering in despair after trying to face amajor foundation repair issue on their home. (Clintshares a customer success story of one of his customers who were indespair over a major repair issue.

You’reon Real Estate Mortgage Shoppe. I’m your host, McKenzie Mortgage RD Loans, MortgageLoan Officer. What do YOU want to accomplish with your mortgage?Make your plan. Let’s work your plan if the deal works for youtoday, let’s do it today. When we come back Clint Cooper ofRedeemers Group will be sharing some tips on how to identify a moldproblem in your home and some solutions to prevent it. See you backin just a moment.

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THELOOK BACK MEMPHIS TRIVIA CONTEST

2ndsegment after 9:15 break:OurLook Back Memphis Trivia Contest is brought to you by notableMemphis historian, Jimmy Ogle.Twelve of his Memphis History lectures entitled MakingMemphis – Storytelling by Jimmy Oglemay be viewed by Googling “JIMMY OGLE PINK PALACE”. View atJimmyOgle.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 # 166 * 12/14/19
Garner# 169 * 01/11/20
Eads,Tennessee

Question: I am acommunity in Shelby County named for a famous bridge builder. Who amI?

Hint: My area is along U.S. Highway 64 in east Shelby County.

Hint:Inthe 19thcentury, I was also known as Sewardville or Grays Creek.
Hint:One of the churches in my area is the oldest African-Americancongregation in Shelby County.FinalHint: The first brick house in Shelby County was built here. Who amI?

Answer:Eadswasfoundedin 1888 when tracks for the Tennessee Midland Railroad were laidthrough the village that had been known as Sewardville. It was namedin the memory of the recently deceased James Buchanan Eads, a U.S.engineer and inventor, who was esteemed by the officials of therailroad industry. He designed and built the first steel framebridge across the Mississippi River in 1873 in St. Louis.

Beforethere was Eads, the area of eastern Shelby County was known asSewardville and Gray’s Creek. The house of John Gray, one of theearly land owners, is believed to be the first brick house built inShelby County. It has been moved to Germantown Municipal Park andrestored for visits.

By1850 the Grays Creek community had been divided into two civildistricts, separated by the Stagecoach Road (U.S. Highway 64). Onthe north side was the 8thand on the south side was the 9th.Beginning after the abolition of slavery, and aided by the AmericanMissionary Association (AMA) and Freedman’s Bureau, a school wasestablished at Grays Creek Church for African-Americans.

Jimmy Oglehas retired from walking tours in Memphis. Twelve of his MemphisHistory lectures entitled MakingMemphis – Storytelling by Jimmy Oglemay be viewed for FREE on the internet by Googling “JIMMY OGLE PINKPALACE”.

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TOPICS COVERED BY CLINT COOPER OF REDEEMERS GROUP

Facebook: Redeemers Group Inc

Twitter @redeemers_group

Instagram @redeemersgroup

January 11th Real EstateMortgage Shoppe

CRAWLSPACE:

Crawlspace and Mold Dangers

A crawl space moisture or water problemcan cause health, safety, and comfort issues in your home, such asmold, rotted floor joists, or a pest infestation. The best way toprevent these problems is with crawl space encapsulation, moisturecontrol, and waterproofing.

Signs of a Crawl Space Problem:

Excess moisture in the crawl space cancontribute to:

-Musty odors and poor indoor airquality

-Feeling of dampness in the living area

-Buckled hardwood floors

-Mold growth

-Allergic reactions and worsened asthmasymptoms

-Wood rot

-Increased energy usage and bills

-Pest infestations

Redeemers Group Solutions

  • Crawl Space Encapsulation: A crawl space vapor barrier is essential for preventing excess moisture from entering the space and causing mold growth.
  • Crawl Space Dehumidification: Adding a dehumidifier to the crawl space can help maintain a healthy moisture level and improve the air quality inside the home.
  • Crawl Space Insulation: Insulating your entire crawl space helps eliminate drafts and will make your home more comfortable and energy efficient.
  • Crawl Space Structural Repair: We can eliminate sagging, bouncy floors by installing durable, adjustable crawl space support jacks under the floor joists.
  • Crawl Space Drainage: Crawl space drains and sump pumps remove any water that is in your crawl space to eliminate damage from flooding and moisture build up.

MOLD DANGERS:

Molds can produce allergens, irritantsand potentially carcinogenic toxins. However, for each individual theeffects associated with mold exposure can range dramatically. Thefollowing is a list of health effects connected to mold exposure:

• Headaches •Eye Irritation • Asthma/Emphysema • Confusion

• Fatigue •Skin Rash • Sinus Infection • Dizziness

Where to look for household mold:

Mold needs water to grow. Therefore,mold is most commonly found in buildings with water-damaged buildingmaterials. Here are some common places to look for mold in yourbuilding:

• Basements • Attics • CrawlSpaces • Bathrooms

Mold prevention services fromRedeemers Group:

Redeemers Group provides on-siteinspection and abatement services for residential, commercial,industrial, governmental, and educational facilities. We also useGreen Performance Chemistry products for safe and effective moldprevention. All on-site technicians have completed an EPA-certifiedMold Prevention training course. Certified inspectors will providethe following on-site services:

-Identify possible water sourcescontributing to mold growth

-Locate areas of significant moldgrowth

-Perform appropriate sampling toidentify mold species and quantities

-Provide experienced workers for theprevention or cleaning of infected building materials

-Discuss preventive measures you cantake to avoid future mold contamination

5 reasons to get rid of householdmold

Protect your family from serious healthproblems caused by indoor mold.

Maintain home value and attractivenessby eliminating unsightly mold-stained materials.

Avoid resale issues that arise whenmold makes a house difficult or impossible to sell.

Avoid unnecessary costs due tomold-damaged materials that must be repaired or replaced.

Eliminate unpleasant odors that canmake living spaces unpleasant or even unusable.

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TOPICS COVERED BY JO GARNER, MORTGAGE LOAN OFFICER

  1. What kind of obstacles dealing with mold do you see on the mortgage side when people are trying to buy a home or refinance their home?

Ahome appraiser lists information about surrounding homes and sets adollar value on the house. The home appraiser is required in mostcases. Often the appraiser and/or the inspector makes commentsregarding possible mold growing in the house. The mold in the housemay not be the deadly kind and may not be in great quantities. But,without a report from a certified mold expert, home buyers ormortgage underwriters are not sure if the home is safe and can refuseto allow the real estate transaction to close until the mold and itscauses are removed and remediated.

Otherrepairs that mortgage underwriters on traditional mortgage loans liketo see completed before closing are these:

Rottedwood, peeling paint, a roof in bad condition, foundation problems,electrical, plumbing, and heating and airconditioning systems thatare not functioning properly, broken glass, drainage problems,termite damage –any repairs that are negatively affecting theStructure, Safety and Sanitary Condition of the Home .

(Thereare some methods that you can use under certain conditions so thatyou don’t have to complete these core repairs before closing, butcertain restrictions apply. Call me and we can look at YOUR specificscenario. )

  1. What are the best methods for financing the renovation and repairs for a home?
  1. FHA 203K Renovation and Repair Loan
  2. Mr. and Ms. Winfield own their own business. They found a home that with a huge shop and a location that would, over time really pay for itself. Their heart was set on getting this home.

Theproblem was that the house needed about $60,000 worth of repairs. Thelender was going to require almost all of these repairs be doneBEFORE closing because these repair items affected the safety andhabitability of the house. The seller would not allow them to do anywork on the house until after they owned it. The Winfield’s werein a Catch 22. They could not close on the house until the repairswere done, but they could not do the repairs until they owned thehouse.

Thesolution for them was better than they originally thought. Therenovation and repair loan would allow them to the sales price in thelow $200K to $210k range and add the cost of the $60,000 plus somereserves for overruns making the total around $265K to $275K range.The program required a licensed general contractor to do the work.

TheWinfields would only have to pay a little over 3.0% of this total asa down payment plus closing costs and some extra costs for theinspections on the work and title updates and a licensed repaircoordinator. If the seller would have been willing to pay theirclosing costs, the Winfields could have gotten in with just over 3% percent down or in the range of $9K to $10K down.

Sincethe seller was not willing to pay any closing cost and none of theWinfield’s prepaid taxes and insurance, in this case, all total, the Winfields figured they would have $24,000 of their own money inthe deal, but the house would be worth around $340,000-$350,000 whenthe renovations were done. Was paying the extra costs for therenovation and repair loan worth the money and extra effort? Theywere walking into instant equity of about $55,000 to $65,000 dollarswith a relatively low, fixed rate 30-year mortgage. The deal wasdefinitely worth it to them since they would end up with so muchequity.

Thefinancing available for the purchase of a primary residence like thisbargain-priced fixer-upper home are the FHA 203K renovation andrepair loan and a conventional product also with similar guidelines.Both programs allow about 3.5% to 5% down payment. This program maynot be worth the extra financing costs if the Winfields just barelybroke even with the loan amount and value. It’s a bargain dealif you can realizedenough equity or profit from buying a house thisway.

  1. The conventional renovation and repair mortgage for primary residences and investment properties.

Thisconventional loan (not the FHA loan version) allows homebuyersbuying for their primary residence to put as little down as 5%. RealEstate investors buying income-producing properties can buy aproperty and finance the purchase and the repairs for as little as15% down on a 30-year fixed interest rate mortgage. The renovationand repair mortgage loan program with the 30-year fixed rate, in myopinion, is a bargain-making investment deal.

I know a real estate investormortgage customer who loves to buy houses that need lots of fixingup. She has a knack for visualizing what a beaten up house can looklike after getting some needed repairs and a fresh coat of paint.She might buy a home in the low $80,000’s and put $15,000 intorenovating it and the house can be worth $110,000 to $120,000 whenshe is done. Do deals like that enough times and yourcash register would be ringing too.

Theconventional Homestyle program works very much like the FHA program,but the minimum down payment for primary residence purchase is about 5% of the total price, repair costs, reserve.

Investorsbuying rental property on the HomeStyle program approximately 15%down payment plus costs and prepaid taxes and insurance

Advantagesand disadvantages

Oneadvantage of using the HomeStyle Renovation Product is that you getto roll into the mortgage most of the purchase price and some of thecosts to repair, just like the 203K product. But, on theconventional Homestyle program you pay much less in mortgageinsurance over time.

Anotheradvantage to the Homestyle product is that it will allow you to buyor refinance a fixer-upper, even if you are buying a 2ndhome or if you are an investor buying or refinancing a rentalproperty. The HomeStyle Renovation Product is not restricted only toprimary residences.

Onemore advantage of the HomeStyle Renovation is the fact that they willallow costs to build or repair luxury items such as swimming pools.

  1. Using credit lines to buy homes for investment or to fix up and resell

Someof my investor clients have several credit lines set up to use overand over again. Sometimes the credit line is a 401k or secured onsome other asset like an equity line of credit on the house wherethey live or a credit line secured on a different property, but notsecured on the home they are purchasing.

Investorsuse these credit lines to be able to pay cash to buy outright a homeand do the repairs. Once the major repairs are done, they can getmore traditional financing by refinancing the property and payingback the credit lines.

  1. I call this use of credit lines with the quick conversion over to a traditional 30-year mortgage the Quick Cash Back Refinance Product. For investors who have cash or credit lines set up to purchase fixer upper properties for cash and fix them up, they can get the money they used to purchase the house back right after they finish the repairs without having to wait out the 6 months seasoning requirement. The 6 month seasoning requirement on the traditional 15, 20 or 30 year cash out refinance on investment property means that people buying a home for investment must own the property for at least 6 months before doing a refinance and getting cash back from the loan. This Quick Cash Back Refinance is great for investors who need the funds back quickly and ready to invest in yet another money-making home purchase.
  2. Private money can be very expensive, but if the deal is profitable enough, it can be a wonderful tool to buy fixer-upper properties and get these properties at a bargain price.

Usuallythere is a hefty mortgage origination fee to be paid day one. Approximately 6 months later, if the borrower has not paid the loanback , the borrower has to pay another original fee to the creditor.

Ifind that the private money route is a popular method used byprofessional real estate investors who need to fix up a home and thensell it to someone else in a year or less. Even though private moneycan be very expensive, the borrower can get it fast and can use it tofund the purchase of a home AND any major repairs. It’s expensivemoney though.

REALESTATE TIP OF THE WEEK (Michael Brooks, National Renovation Manager,Sierra Pacific Mortgage, shares a real estate related money-saving ortime-saving tip for your next renovation project)If funds are limited, a lot of times, just concentrating on upgradingthe kitchen in the home brings the highest return on renovationcosts. Start and stay in the kitchen might be the best idea.

ANNOUNCEMENTS:

Talk Shoppe offers freenetworking & education to anyone interested in real estate or inbusiness. Talk Shoppe meets every Wednesday 9A-10A CT at ConcordeCareer College 5100 Poplar Ave 1st floor (The ClarkTower). This Wednesday January 15th, 2020 Brad Hyde ofDelta Medical Center will be presenting Recognizing WorkplaceViolence Before It Happens”

Talk Shoppe events are freethanks to supporters like Tim Gilliland of www.BackupRX.com.You can enjoy peace of mind, knowing that if your computer crashes oryou lose your data, you can get it back quickly. www.BackupRX.com

Thank you to Miranda Griffinof Healthy Mid-South, inspiring healthy behaviors from the home andinto the work place. To get focused on your healthy habits,contact Miranda at www.HealthyMidSouth.com

2. Thank you to SierraPacific Mortgage -the Cordova, TN office. If you are a mortgage loanofficer or know a mortgage loan officer who wants to kick yourmortgage career to a higher level with a great team behind you, giveme a call at (615) 924-6215. Let’s talk!

3.The Tigers are going to be playing some basketball tomorrow. GoTIGERS!!!

4. Welcome to Elvis Presley’s fans in Memphis this week to celebratewhat would have been Elvis’s 85thbirthday. Welcome to Memphis!

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

5. 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:

QUOTECORNER: “When Life Gives You Mold, Make Penicillin” -“unknown

Clint’squote can be heard on the podcast

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REJOINDERS:

  1. Kyle Porter, Sierra Pacific Mortgage Cordova, TN manager (901) 590-7193
  2. Mary Lou Nowak, owner of Mid-South Home Helpers (non-medical assistance to help your aging or handicapped loved ones remain comfortably and safely in their own home) (901) 414-9696.
  3. Mark Loden, Personal Budgeting Customized System, Germantown, TN (901) 624-0052

TransitionalMusic: “Safety Dance” by Men Without Hats;“Foil” by Weird Al Yankovik; “Safe and Sound” by Capital Cities; “Memphis” for the LookBack Memphis Trivia Contest

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CALLER: MARK MCLAURINE OF REFRIGERATION UNLIMITED

(HEATING AND AIRCONDITIONING)

(901) 216-7782

ABOUT CLINT COOPER, REDEEMERS GROUP

Clintwas born and raised outside of Nashville, TN and is a graduate ofMiddle Tennessee State University. He grew up spending his timeoutdoors, and working on a cattle farm. He eventually earnedhis Eagle Scout rank in the Boy Scouts. He was active inswimming in both high school and college and rowing in college.

Aftercollege, Clint worked for the Boy Scouts of America. He alsomarried his sweetheart and hometown Memphian, Amy. In 2004, Clintserved in Iraq with the Marine Corps Infantry before returning hometo Tennessee to live and work in Memphis. At that time he started inthe Financial Industry serving as a Financial Advisor until the endof 2007. He left the financial industry to form Redeemers Group whichbegan January 1, 2008. Growing up around the constructionindustry truly helped Clint develop the necessary working knowledgefor the foundation and waterproofing techniques used by the RedeemersGroup today. Clint has a passion for serving others andcreating healthier home environments for his clients.

Duringhis time with Redeemers Group, Clint has earned the followingcertifications and licenses:

  • Basement Systems Waterproofing Certification
  • Basement Systems Crawl Space Repair Certification
  • Foundation Supportworks Diagnostics School Certification
  • National Association of Mold Remediators and Inspectors License
  • Blue Institute- LEED Training Certification
  • Green Building Council, Certifcation
  • TN State Board for Realtors CE Authorized Instructor

Clintlives in Somerville, TN on a small farm with his wife two beautifulchildren. While work is downtown, the Coopers spend theirevenings in a tranquil setting, that allows for great family timeright in the outdoors, where Clint was born and now raises the nextgeneration of Redeemers Group employees!

FindClint Cooper on Linked In:

www.linkedin.com/pub/clint-cooper/15/84a/30

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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 (currently working with SierraPacific Mortgage, Inc)

“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

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