(Jo) You’re on Real Estate Mortgage Shoppe. I’m our host, McKenzie Mortgage RD Loans,Mortgage Loan Officer NMLS#757308 What do YOU want to accomplish with YOURmortgage? MAKE YOUR PLAN. LET’S WORK YOUR PLAN. IF THE DEAL WORKS FOR YOUTODAY, LET’S DO IT TODAY. Connect withme at www.TNRDHomeLoans.com. Email me at This email address is being protected from spambots. You need JavaScript enabled to view it. or just call me at (615) 924-6215. Whenwe come back, Silvana Piadade, realtor with EXP Realty will be introducing anew EXP Realty product to connect cash buyers with home sellers. See you back in just a moment.

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THE LOOKBACK MEMPHIS TRIVIA CONTEST

^2nd segmentafter 9:15 break: Our Look Back Memphis Trivia Contest is brought to you by notable Memphis historian, Jimmy Ogle. Twelve of his Memphis History lecturesentitled Making Memphis – Storytelling by Jimmy Ogle may be viewed byGoogling “JIMMY OGLE PINK PALACE”. Viewat JimmyOgle.com. . The Look Back Memphis Trivia Contest is sponsored by John and Jennifer Lawhon ofLawhon Landscape (901) 754-7474 the Lawhon’s can help you plan your landscapingif you have a BIG, BIG project or a smaller project or you can do the big projectin phases . The Lawhons are giving away a $25 gift card to the first personwith the correct trivia answer. If youknow the answer to our trivia question, call us at 901 535 WREC 901 535-9732. Garner # 174 * 03/21/20

TRIVIA ANSWER: Martyrs Park
representing (Constance, Ruth, Frances and Thecla – Yellow Fever Martyrs)

Question: There is a park on theMemphis bluffs memorializing our achievements. What is the name of this park?

Hint: The park representsheroes who came to Memphis in 1878 to treat victims of Yellow Fever.

Hint: The largest loss of life for one event inAmerican history occurred here in 1878.

Hint: “What the Civil War could not do to Memphis, the Mosquitodid”.

Answer:(Nuns)Constance,Ruth, Frances and Thecla – Yellow Fever Martyrs. Beginning in the 1850s,the Memphis area periodically suffered seasons of an unknown disease,culminating in 1873, 1877 and then in 1878 with the largest disaster ever inAmerican history (Yellow Fever) – larger than the loss of life in the SanFrancisco earthquake, Johnstown flood and Chicago fire combined!

Memphis had 40,000 citizens to begin the Summer, 1878 – 25,000 deserted thecity in fear. Of the 15,000 left behind– 5,000 died. Thousands of doctors andnurses poured into Memphis to treat the suffering, with the Howards Associationbeing the most notable. The four nuns all died within one month of each otherin September-October, 1878.

The City ofMemphis lost three-fourths of its population in one month through desertion anddisease, and thrown in bankruptcy from 1879 to 1893. Memphis was not even known as the City ofMemphis, but rather a “taxing district in West Tennessee,run by the Tennessee state legislature in Nashville”. All we did was pick up the dead, deliver foodand camp on the bluff – Memphis was quarantined! Memphis had lost its charter,formed a Board of Health, and developed a sanitary sewer system that became amodel for other American cities. And, then in 1887, discovered its firstArtesian well and an unlimited source of clean drinking water. From Civil War hospitals, to tragedies likethe Sultana sinking and Yellow Fever, the outstanding Memphis Medical Communitywas born and continues to be a worldwide leader in research, health and cures.

Bonus: Jimmy Ogle will be giving four distinct tours of ElmwoodCemetery on Saturday, April 25. To register, call 901-774-3212 or go toelmwoodcemetery.org.

Jimmy Ogle has retired from walking tours in Memphis. Twelve of his Memphis History lectures fromthe Pink Palace entitled Making Memphis – Storytelling by Jimmy Ogle,and now more than ten hours Downtown Walking Tours may all be viewed forFREE on the internet at . . .
You Tube Jimmy Ogle. View JimmyOgle.com for more info!

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TOPICS COVERED BY SILVANA PIADADE, EXP REALTY

1. ­­­­­­­­­­­­­­­ EXPRealty’s EXPRESS OFFER isa UNIQUE, agent owned, global, cloudbased real estate company. The company offers EXP agents the opportunity topurchase stock with every transaction to become an actual shareholder. In addition the company also awards stockbased on performance. We are representedin all 50 states, United Kingdom, Novia Scocia, Canada and Australia with atotal count of over 20,000 agents/shareholders.

What this means to the consumer: We can offer the sellerchoices that no one has been able to offer before…

At EXP Realty we have anexciting program called EXPRESS OFFERS and I have the ability to expose aproperty to a marketplace of cash buyers.

Discover the modern way tosell your home by going directly to cash buyers! Express Offers is an instantoffer platform that connects “the homeowner” with cash buyers who are lookingfor properties in your local market. This allows you to sell your home quickly,skipping the hassle of listing, showings, and the uncertainty of a traditionalhome sale.

Benefits

• Sell your home quickly
• Get a competitive cash offer
• Skip the hassle of listing, stagingand showings
• No bank approval needed
• Choose your closing date

Sellers are under NOOBLIGATION to accept the offers and there is NO COST to you for this service,UNLESS you choose to accept an EXPRESS OFFER.

I have been trained in thisplatform and we had a lot of success helping homeowners get their homes soldconveniently and without the hassle of showings, staging and repairs….

• What are some strategies a home seller can useto get the best profit on the sale of their home in this current market?
• What aresome strategies you recommend to the buyer’s you represent to help them comeout ahead in this competitive market?
• What setsyou apart as a realtor in the way you serve your clients?
• Can youshare a short client story that illustrates some of your points?

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TOPICS COVERED BY JO GARNER, MORTGAGE LOAN OFFICER

1. What are 4 of the most common goals home buyers and those refinancingtheir mortgage say they want to accomplish ?

1. Hereare four common goals I hear from my clients want to achieve:
2. Refinancing a mortgage you already have to get a lowerrate and a lower mortgage payment
3. Refinancing tolower the rate and shorten the term on your mortgage (getting rid of yourmortgage sooner)
4. Refinancing toroll in other higher interest rate debt into one low, fixed rate mortgage. (Then let’s put together a simple method foryou to make strategic prepayments to get rid of the mortgage sooner with theleast money out of your pocket.)
5. While you are sticking close to home for the next coupleof weeks, it is the perfect opportunity to get a FREE mortgage check-up andhave a licensed mortgage loan officer analyze your current mortgage position,available equity, and high interest debt to determine if refinancing wouldcreate a financial gain for you and your family. What do YOU want to accomplish with YOURmortgage. Make your plan. Let’s work your plan. If the deal works for youtoday, let’s do it today. Call me at(615) 924-6215 or email me a This email address is being protected from spambots. You need JavaScript enabled to view it. If the deal doesNOT work for you today, let’s determine the terms that would work and I canregister you on my Rate Watch program. Then I can call YOU when the rate andterms work for YOU.

• What are some smart financing strategies

1. Explore ahead oftime what your financial comfort zones are. Calculate what is the maximumhouse payment that is personally comfortable for you? What is the maximum move-in costs thatyou can comfortably pay on your home purchase? Lets explore some mortgage programs that would work for you.

• Here’s some smart strategies from other mortgage clients:
• (1) . Preparing to Winthe Bidding War- Ed and Ellie Ethan’s Story—Edand Ellie Ethan were newly married and expecting their first child. They really needed a bigger home in a safeneighborhood. The bigger better housescost more and too many other people could offer more than the Ethan’s could payfor the house.

One day theEthan’s stepped through the front doorof a house and they instantly knew it was everything they wanted. It seemed like no other house would satisfy them. that could not afford to pay the full price for the home they desperatelywanted.

The smartstrategy we used for the Ethan’s was to make their prequalification letter sostrong that the seller would see their home purchase offer as the suresteven if they could be the highest offer. The Ethans volunteered to bringin early all of their income documents and bank statements. I emailed to them their preapproval letterbut also a letter from me stating that I had reviewed their credit AND incomeAND asset documents and that they appeared to be VERY STRONG borrowers.

The Ethan’srealtor included my letter and the prequalification letter with their offer tobuy the home. The Ethans also attached a picture of themselves holding a bluebaby onsie between them (since their baby would be born later.) They included aletter below their picture letting thesellers know how much they loved the house that they could see their child oneday playing in the back yard where the sellers children had played many yearsbefore….

The happyending for the Ethan’s was that, even though their offer to purchase the homewas not he highest offer, it was the surest offer.

• Improving Your Credit Game to Gain Yourself a LowerMortgage Rate:

When mortgage rates recently started a rapid climbupward, some of my clients were still out house shopping and could not locktheir rate on a standard program. When the seller finally accepted their homepurchase offer, rates had moved away from where they had been originally.

Benton and Baily were disappointed that their paymentwould be a little bit higher since the mortgage rates had jumped higher. Benton and Bailey had a longer time thanusual until they were contracted to buy the house.

The answer for them was to somehow improve their creditscore. By paying down their credit cardsto show they were using less than 30% of their revolving credit limits, theirscore would like increase 15 to 20 points, just enough to put them in a muchbetter price level for their mortgage. The higher their credit score, the lower their mortgage rate. The lowertheir mortgage rate, the lower the payment. Life would be much happier enjoying that lower rate.

Here’sstrategies some of my other clients have used to push their credit scoreshigher:

I am not a licensedcredit repair person and I direct my clients to the credit bureaus for anyfinal corrections or fixes. There are noguarantees that you will get the exact results you want 100% of the time. What I am sharing with you is based on closeobservation and study of the cause and effect on numerous mortgage clientcredit reports).

1. Makeyour payments on time and do not let them get over 30 days late.
2. Ifa creditor is contacting you about a collection account, pay it as soon aspossible or set up a payment plan with the lowest possible payment per monthwith an agreement with the collection company not to report negativeinformation about you to the bureaus.
3. Neveruse more than 30% of your credit card limits. For example, if your credit limitis $10,000, you would never want your balance to go over $3,000. Your utilization habits on revolving accountactivity makes up over 30% of your credit score.
4. Stayaway from 12-months-same-as-cash accounts. Most of the time these type accounts are scored as maxed out revolvingaccounts. I have seen these accounts drop someone’s score more than 100 points.
5. Think outside thebox. Call me and we can explore yourpossibilities to help you achieve what you want to accomplish over a shortertime period with the least amount of investment.
6. Just because the home you would love to buy needs a lotof tender love and care and lots of repair, doesn’t mean you can’t financeit. Yes, you can with a renovation andrepair mortgage.
7. Just because you don’t have the funds for a down paymentdoesn’t mean there is not money outthere for you to use for you down payment. Let’s sink our shovel into some gold you didn’t know you had.
8. Just because someone said you don’t show enough income onyour tax returns from your self-employment does NOT mean the income is notthere. If you have good credit and moneyto close on your home, I am happy to review your tax returns and add back everyallowable expense I can add back to help you qualify for the mortgage youwant.

REAL ESTATE TIP OF THE WEEK (MichaelBrooks, national renovation and repair lending manager for Sierra PacificMortgage )

ANNOUNCEMENTS:

Talk Shoppe offers freenetworking & education to anyone interested in real estate or in business.Talk Shoppe meets every Wednesday 9A-10A CT at Concorde Career College 5100Poplar Ave 1^st floor Memphis, TN. Go to www.TalkShoppe.comand click Upcoming Events tab for the temporary virtual meeting web location. ThisWednesday March 25^th, 2020 Talk Shoppe presents: “The Mastermind Principle based on the book Think and GrowRich by Napoleon Hill.

Talk Shoppe events arefree thanks to supporters like Don Lawler of Storytellers Memphis, avideography company specializing in telling your business brand story. Contact Don Lawler at www.StoryTellersMemphis.com

Thank you to Leah AnneMorse of All Things New, helping families down size and make changes in lifesuccessfully and positively withorganizing and with estate sales. Contact Leah Ann Morse at www.AllThingsNewWTN.com

2. Shelter at home. Stay safe. We will all getwin this war together against the Coranavirus attack. Victory will be ours!

4. Subscribe at www.TNRDHomeLoans.com and you can get our weeklyblog posts with podcasts conveniently in your inbox.

5. RealEstate Mortgage Shoppe reminds you to MAKE YOUR PLAN. LET’S WORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, DO IT TODAY.

SPECIAL NOTE: REAL ESTATE MORTGAGE SHOPPE RECOMMENDS THAT YOU CONSULT WITH A FINANCIAL,LEGAL OR OTHER CERTIFIED, LICENSED PROFESSIONAL BEFORE ACTING OR INVESTING ONANYTHING YOU HEAR OR SEE FROM THE CONTENT ON THIS SHOW OR BLOG POSTS. THE INFORMATIONWE SHARE ON REAL ESTATE MORTGAGE SHOPPE IS GENERAL IN NATURE MEANT FOR GENERALEDUCATIONAL PURPOSES ONLY. ALL EXAMPLES GIVEN FOR ILLUSTRATION PURPOSES ON REALESTATE MORTGAGE SHOPPE AND ARE BASED ON TRUE STORIES BUT WE USE FICTIONALCHARACTERS AND DO NOT DIRECTLY REFLECT REAL PEOPLE OR EXACT DETAILS IN ANY OFTHE SITUATIONS.

QUOTE CORNER:

Former Memphis Tigers Coach Mike Norvell ““Evaluation is the key to success in football. Evaluate your players, coaches and currentteam. Focus on your strengths. Assess what your needs are. What fits in yoursystem like speed, versatility.” “Prepare and put yourself in the bestposition. Control what you cancontrol.”

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REJOINDERS:

1. Troy and Lynn McDonald, Erin McDonaldInsurance Agency Bartlett, TN (901)849-7101
2. Leah Anne Morse-Cartridge WorldCollierville, TN (recycled print cartridges) (901) 853-3230
3. BrandonThompson, HomeTeam Inspection Service Memphis, TN (901) 848-2388

Transitional Music: “Moving Out” by Billy Joel; “Money Song”by Dean Martin; “Home” Phillips Phillips; “Memphis” by Johnny Rivers for theLook Back Memphis Trivia Contest

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ABOUT SILVANA PIADADE

Imoved from Houston Texas in 1997, I am married, a mother of a 17-year oldJunior attending CBHS high school. I amoriginally from Latin America (Bilingual) fluent in Spanish. I have 13 years of experience in residentialreal estate and hold several accreditations but for the purpose of thisconversation: CDPE (Certified Distressed Property Expert, my forte in ShortSales. I have also earned every year performanceawards from Collins-Maury. In July 2017, I earned my Broker’s license. My previous training in customer satisfactioncomes from a background in the hospitality industry and most of my clients aredirect referrals. I love music and goodfood. Why me? Because I listen, I care and I deliver.

Silvana Piadade, CRS, ABR, CDPE, MRP, CPRES

Broker

TN Company Lic# 257511

TN Agent Lic# 289316

Coldwell Banker Collins-Maury Realtors

Ofc 901-259-8550

Cell 901-647-6661

E-fax 888-965-9104

www.FindHomesinMemphis.com

CB International President’s Elite Award 2015-2014

2016 Real Trends – Best Real Estate Agents in America

Client Reviews: https://www.zillow.com/profile/user8150076/#reviews

CONTACTINFO:

Cell901-647-6661

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.www.FindHomesinMemphis.com

Facebook:www.facebook.com/silvanainmemphis/ Twitter: twitter.com/spiadade

Linkedin:linkedin.com/in/silvana-piadade-1a58871b/

Instagram:instagram.com/silvanapiadade/?hl=en

ABOUT JO GARNER-MORTGAGE LOAN OFFICER:

WHAT DO YOU WANT TO ACCOMPLISHWITH 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)

“Whatever YOUR personal priorities are, my job is to help youget the mortgage terms that will give you bragging rights when you talk aboutit and help you score on hitting yourgoals .”

As a mortgage loanofficer, 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 youfind 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 needto get the house you want to buy or refinance?

Different clients have different priorities inlife—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 along term goal of buying properties to build rental income.”

TNRDHomeLoans is a mortgage officer with extensive knowledge in tailoring mortgages toher customers who are refinancing or purchasing homes all over thecountry. 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 torefinance, how to get the best deal on your home purchase financing.

McKenzie Mortgage RD Loans has beenin the real estate/financing business for over 25 years. She got herstart in Portland, Maine where she first began her real estate career. Shereceived 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 andThe Challenge.

On moving back to West Tennessee in 1987, she went intobusiness buying and selling discounted owner-financed notes secured on realestate. In 1990 Jo went to work for a residential mortgage company andhas been a mortgage loan officer for over 25 years. Her goal is to offerexcellent, 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 TNRDHomeLoans also host the radio show Real Estate Mortgage Shoppe airing on NewsRadio AM 600 WREC and iHeart Radio with podcasts and show notes published on www.TNRDHomeLoans.com

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