REAL ESTATE AND BUSINESS SOLUTIONS FOR MAKING A FRESH START DEALING WITH DIVORCE

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Today on Real Estate MortgageShoppe you will get to hear from some very experienced professionals who careand can help. Today I will be sharingsome do’s and don’ts when it comes to divorce and your mortgage andcredit. You will be hearing from RealtorPat Goldstein, Budget Specialist Mark Loden, Asset Management and WealthAdvisor Mark Ruleman, Transformational Photographer Tammy Zurak, AttorneyAndrew Hartsfield, and Health Benefit Specialist Lloyd Caldemeyer.

Whatdo YOU want to accomplish with YOUR mortgage? Let’s talk about your home buying or refinancing plans. Connect with me at www.TNRDHomeLoans.com (615) 924-6215 This email address is being protected from spambots. You need JavaScript enabled to view it. Subscribe at www.TNRDHomeLoans.com to get Real EstateMortgage Shoppe weekly podcasts with show notes.

ToYour Success,

TNRDHomeLoans, Mortgage Loan Officer NMLS# 757308

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LET’S GET A FRESH START THIS MORNING

Good morning, Memphis! Welcome to our internet listeners and podcastlisteners across the 50 states! You’re on Real Estate Mortgage Shoppe. I’m yourhost, McKenzie Mortgage RD Loans, Mortgage Loan Officer. You can connect with me at www.TNRDHomeLoans.com. Our general topic is REAL ESTATE AND BUSINESS SOLUTIONS FORMAKING A FRESH START DEALING WITH DIVORCE.Subscribe to get our weekly blogposts with podcasts at www.TNRDHomeLoans.com. Call us while we arelive at (901) 535-9732 Today is May 30^th,2020.

POSITIVETRANSFORMATIONS

You may be going through a divorce orsome other grueling battle that is forcing you to change your life andreevaluate who you are and where you want to go. You are having to spend time making legal andbusiness decisions. It is also importantto work on changing the way you think, transforming your thoughts andimages. Renew your mind. Your eyes and words need to be focused onwhat you want, and not just what you have.

Our first guest, Tammy Zurak of Z PhotogStudio, Tammy provides atransformational experience that her clients have said allowed them to relaxand enjoy the photo session and really to fall in love with themselves again.Tammy Zurak, take a moment and introduce yourself. Share some of your wisdom with our audiencewho may be experiencing a rough season right now. (Tammy has about 2 minutesor so to share some wisdom from her industry with our audience and share astory to illustrate…)

Tammy’s customer story:Aclient had been through a particularly tough divorce with an alcoholic husbandand was now taking care of three busy and active kids, running a householdalone, and working full time. She was feeling pretty down on herself. Sheneeded images for her business, so she came in because she had heard about whatI do from a friend. But like most people, she didn’t necessarily think it wouldhappen for her. She was amazed at the results and couldn’t believe it was her.I later ran into her at a networking event and she introduced me to someone inthe most amazing way, she said “this is the photographer that took my pictures.She’s so amazing, I really didn’t think I was beautiful most of my adult lifeuntil she took my picture. When I saw what she did, I actually thought, “hey,I’m looking pretty good!” And I hear this all the time.

(Tammy’s closing comments …)

(Jo) Tammy, that issuch an encouraging story. I have several mortgage clients -both men andwomen-who are in life-changing transitions. Many of their stories involve theloss of a loved one or the divorce process. When you were telling your story, it reminded, me of Carly Clemmon’sstory (not her real name.)

Rising From the Ashes Following Divorce-Carley Clemmon’s story

(Avatar picture of Carley Clemmons)

Carley foundherself in what felt like the ash heap of life following some grueling years going through a divorce process. She hadto build back her credit and self confidence.

Divorce can bevery devastating—not just financially but emotionally, and affects so manyaspects of how people see life. Carleyhad been married for many years and she and her husband had always owned theirown home. After the divorce she had tosell the house and go back to renting. It was over 3 years of building back her credit, paying off old billsand—reinventing herself as a person.

Carley had achoice to make. She could give in andlet this resentment and negative events crush her into the dust, or she couldchoose to rise from the ashes, creating a quality life as a better person. Carley choose to forgive those who harmedher and reinvent herself–to recreate a life she would love, and help others inthe process. A big part of living outthis dream was to own her own home again. Carly would make the home her castleand security blanket—complete with a she-shed out back to enjoy her hobbies.

She found ahouse that she loved but she lacked funds to pay for the down payment and othercosts. Down Payment Assistance enabledher to buy the house where she wanted to live. The down payment assistance program handed her the “keys” to start hernew life.

What do YOUwant to accomplish with YOUR mortgage? Make your plan. Work your plan. If thedeal works for you today, let’s do it today. Connect with me at www.TNRDHomeLoans.com or call me at (901)482-0354 I want to hear your story.

Our next guestis realtor Pat Goldstein of Crye-Leike Realtors who is known as the “GoldStandard of Real Estate.” Pat what isbest advice you can give to a home seller or home buyer who is going throughthe divorce process? Pat Goldstein launchesher topics

You’re on Real Estate MortgageShoppe. I’m your host, McKenzie Mortgage RD Loans, Mortgage Loan Officer. What do YOU want to accomplish with yourmortgage? When we come back, you will be getting more ideas and nuggets fromRealtor Pat Goldstein, Budget Specialist Mark Loden, Asset Manager & WealthAdvisor Mark Ruleman, Attorney Andrew Hartsfield and Health Benefit AdvisorLloyd Caldemeyer. See you back after this break.

2^ND SEGMENT AFTER 9:15 BREAK AND BEFORE9:30a BREAK

(Jo) coming back from 1^st break after“Fight Song” transitional chorus says, “You’re back on Real Estate MortgageShoppe. What is YOUR Fight song rightnow? What is trying to take away who youare and what you love about your life? Whether it is a divorce, losing your job, your business or maybe your fight song is to regain yourhealth. Whatever your fight is, you canwin. Put the right people around you toencourage you and help guide you as you maneuver through the battle.”

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TOPICS COVERED BY TAMMY ZURAK, Z PHOTOG STUDIO
Tammy describes what she does as aphotographer.
Offers encouragement to those going through apersonal battle
Tammy to transition to her story …

Story: A client had been through a particularly toughdivorce with an alcoholic husband and was now taking care of three busy andactive kids, running a household alone, and working full time. She wasfeeling pretty down on herself. She needed images for her business, so she camein because she had heard about what I do from a friend. But like most people,she didn’t necessarily think it would happen for her. She was amazed at theresults and couldn’t believe it was her. I later ran into her at a networkingevent and she introduced me to someone in the most amazing way, she said “thisis the photographer that took my pictures. She’s so amazing, I really didn’tthink I was beautiful most of my adult life until she took my picture. When Isaw what she did, I actually thought, “hey, I’m looking pretty good!” And Ihear this all the time.

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In the 2nd segment after9:15AM break and before 9:30 break

(Jo briefly introduces Pat Goldstein)

TOPICS COVERED BY PAT GOLDSTEIN, REALTOR CRYE-LEIKE REALTORS
What are your top tips for ahome seller who is going through a divorce?
What are your top tips fora buyer going through a divorce?
What other tips from your realtor expertisecan you give your clients who are dealing with divorce?

(Share anexample story here?)

(Jo introduces Mark Loden)

TOPICS COVERED BY MARK LODEN, MKL PERSONAL BUDGETING SERVICE
What is the best advice youhave given your budget clients who are considering divorce or already divorced?
Any other practical tips you can give on thebudgeting in a divorce situation?
(can you share a shortexample story here?)

(Jo introduces Mark Ruleman)

TOPICS COVERED BY MARK RULEMAN, RULEMAN ASSET MANAGEMENT
What best advice from theasset management, wealth advisor expert have you given your clients who aredealing with divorce situations?
Any other advice you would offer?
(any short storyexamples you can share?)

(Jo introduces LloydCaldemeyer)

TOPICS COVERED BY LLOYD CALDEMEYER, UNITED HEALTH ADVISORS
What is the very best adviceyou would offer a health benefit client who is facing issues with divorce?
Any other advice?
(any short example stories you can share to illustrate a point?)

(Jo briefly introduces Andrew Hartsfield)

TOPICS COVERED BY ANDREW HARTSFIELD, ATTORNEY HARTSFIELD LAWMEMPHIS
First thing is to make sure you aregiving your marriage a fair shake. Talk to each other about any problems youare having, Talk to your minister or religious leader, get counseling. The bestdivorces are the ones that are never initiated.
It’sokay for one person in the marriage to take the lead on the finances, but neverlet your spouse keep you in the dark on anything money related. Financial abuseis a very real thing and can be as devastating as any other types of abuse.
Beforeyou actually get divorced, try to get a handle on your financial situation andget copies of all your bank records, financial statements, and tax returns, andall of your spouse’s because it can be harder to access later especially if youare no longer living together.
Bevery careful about what you say and especially be careful about what you poston social media. Think of yourself as a criminal defendant and remember thatanything you say can and will be held against you. Seemingly innocentstatements can be blown out of proportion in the world of divorce. If you wantto delete your facebook or twitter account, do it before you file because ifyou delete your accounts afterwards that is considered destroying evidence.
Asmuch as you can, avoid the urge to settle personal scores or air dirty laundryin litigation. Judges have seen all kinds of human behavior, and it never looksgood for anybody when unflattering events come out, and more often than not issimply adds to your legal bills.
Havethe mindset of a negotiator. Expect your spouse to come out with his or herfair share of the property, but don’t give away the store either, especially ifyou are simply in a hurry to get your divorce finalized and on with your life.On that note, listen to your lawyer’s advice and especially pay attention whenyour lawyer is telling you what the law is, because that will give you a betteridea as to what is fair and what isn’t.
(can you share a short story example to illustrate how you can helpyour divorce clients?)

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3^rd segmentafter 9:30 am break and before 9:40 break

TOPICS COVERED BY JOGARNER, MORTGAGE LOAN OFFICER:
What options do I have for my house andmortgage following divorce? (Do’s and Don’ts)

If it is clear that you will be required to refinanceyour existing mortgage and pay off your spouse or get him or her off the loan, itis easier to get approved and closed on a loan BEFORE you file divorce thanduring the divorce procedure OR AFTER the divorce decree and maritaldissolution agreement is finalized and legally recorded. Mortgage companies and title companies can bevery skittish about your ability to qualify if, during the procedure you aresuddenly required to pay a higher amount in child support or alimony. Since nothing is truly carved in stone untilthe final divorce decree and martial dissolution if filed, this leaves a lot ofrisk for you and the mortgage company on your ability to pay the monthly note.

Talk with your lender.

Title companies have work-arounds in some cases, butif you are still legally married or separated but not divorced, most stateshave laws that give spouses marital rights to a primary residence even if theydid not sign the deed or the mortgage. Talk with your real estate closing attorney

If you need to refinance and pay off the spouse andget them off the deed, mortgage companies have special refinance programs thatallow you to buy out your departing spouse without the tighter restrictionsapplied to a cash out refinance. Besure and consult with your divorce attorney about making sure that the equityAND the cost of the refinance are both considered in the split. Consult with your divorce attorney and yourlender.

If you are going to be depending on child support oralimony or separate maintenance income from your ex spouse, some loan programsrequire that you show that you have a court order that amount of income andthat you have received it in full for 3 months to 6 months per the monthlyagreement.

If you and your soon-to-be ex-spouse already have anagreement on the amount of child support when you first start thedivorce process, consider having your child support come to you right away, sothat by the time the divorce is complete, you have the necessary history ofgetting the full child support and can probably use it to qualify for your newhome purchase or refinance. Consult withlender, your attorney and financial advisor.

If you are planning to buy a new home or refinanceyour home, remember that most of your standard mortgage programs will not usechild support income, alimony or separate maintenance income that you aregetting from your spouse unless the marital dissolution agreement shows thatyou are entitled to this income for at least 36 months or more from thedate of your home loan CLOSING.

Another good point to remember is that mortgage companiestypically do not count child support income on any child that will turn 18years old within less than 36 months from the mortgage closing date. There are exceptions to the rule aslong as the legal agreement on the time the ex is to pay the support is notconditional.

One of my clients a while back was a very smartgal. She went over this same points before officially starting through thedivorce process. She made sure that she would get alimony from her ex-husbandfor a minimum of 5 years. (If she hadallowed him to pay for 3 years, the time remaining to receive the support wouldalready be less than 36 months when she went to close her loan. )
What can Ido to protect my credit before, during and after a divorce? (Do’s and Don’ts)

Get yourname off of any accounts that are in the control of your spouse, so that it will be harderto get stuck with paying the bill on it. Doing it as soon as possible reducesthe chance that the spouse would not pay the bill, dropping your credit scores. Even if the marital dissolutionagreement states that the spouse is responsible for the mortgage payment or anyother payments on accounts, YOU ARE STILL RESPONSIBLE under the contractual agreementwith the mortgage company and other accounts that has your name on them.

Making yourpayments on time and keeping your balances under 30% of the credit limit oncredit cards in your name tends to put more points on the board for your creditscore. If you are disciplined not to over spend oncredit cards, you might try raising the credit limits but not charging morethan usual so that your percentage borrowed each month is easily showing under30% usage.
Joseph Jeffords Story –“I love my kids. I want a house that I can make a home where they will love to come spend time with their dad.”

The one thing JosephJeffords loved more than life were his two elementary school age sons, Jimmyand Jack. Joseph tried everything tokeep his family together, but his wife wanted a divorce and she wanted fullcustody of their two sons.

Joseph was heartbroken andfinancially hurting too. His credit wasmessed up from some jointly held bills that the martial dissolution agreementsaid was his wife’s responsibility to pay. She didn’t. The creditors came after Joseph anyway. Nothing seemed fair.

Joseph worked two jobs, paidmore legal fees and fought to keep custody of his children. Nothing seemed towork. But, he sought wise advice from some reputable professionals, after several attempts, the agreement allowedhis boys to stay with him every other weekend and alternating holidays.

It took Joseph about a yearto get his credit cleaned up and a little emergency savings put back. When he came to get preapproved for hismortgage he said, “ I love my kids. I want a house that I can make a home wherethey will love to come spend time with their dad.”

Joseph put a good realtor onhis team and got his home with a low, affordable payment and very little downpayment. The low house payment made thetreehouse and other fun times with his children affordable. The

low money down left him withhis emergency fund and a lot of peace of mind.

(4^th segment after9:45A segment and 9:57 closing music)

REAL ESTATE TIP OF THE WEEK (TNRDHomeLoans and whoever is in the studio or still on the line has a short moment to share a real estate related money-saving ortime-saving tip related to their industry or a tip related to the topic forthis episode):

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. This Wednesday June 3^rd 2020Talk Shoppe presents: June 3rd; 2020: Dr.Rachna Jain, “Five Non-Obvious Health Implications of Social Distancing, andFive Things You Can Do to Come Out Stronger” https://yourcompletewellbeing.com, 608-332-0107

Talk Shoppe events arefree thanks to advertisers like Troy and Lynn McDonald with Erin McDonaldInsurance Agency in Bartlett, TN (901) 849-7101 for your property and casualty insurance – your home, your vacation homeand investment properties too

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. THEINFORMATION WE SHARE ON REAL ESTATE MORTGAGE SHOPPE IS GENERAL IN NATURE MEANTFOR GENERAL EDUCATIONAL PURPOSES ONLY. ALL EXAMPLES GIVEN FOR ILLUSTRATIONPURPOSES ON REAL ESTATE MORTGAGE SHOPPE AND ARE BASED ON TRUE STORIES BUT WEUSE FICTIONAL CHARACTERS AND DO NOT DIRECTLY REFLECT REAL PEOPLE OR EXACTDETAILS IN ANY OF THE SITUATIONS.

QUOTE CORNER:

Pinterest “Just because the pastdidn’t turn out the way you wanted it to doesn’t mean the future can’t bebetter than you ever imagined.”

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REJOINDERS:
Nita Black, Business strategist showing youhow to make money online with your skills and expertise www.901ELearn.com
Tom King, Real Estate Appraiser with BillKing Appraisal Company (9010 487-6989
EricEurich, Kaizen award-winning Business Coach with Focal Point BusinessCoaching-Getting you where you need to be (901) 340-9558

Transitional Music: “MyFight Song” by Rachel Platten; “Stronger” by Kelly Clarkson; “Don’t StopBelieving” by Journey; “Memphis” by JohnnyRivers for the Look Back Memphis Trivia Contest

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ABOUTTAMMY ZURAK, Z PHOTOG STUDIO

Tammy Zurak, owner/photographer at Z Photog Studio

Before starting her portrait photography and business brandmentoring business in 2012, she spent a lifetime climbing the corporate ladder.She loved the transition of moving into her own portrait business because shewas reconnecting with the human side of people. People often shy awayfrom having portraits taken because they feel uncomfortable with themselves. Aswe age, we tend to change in ways we sometimes don’t appreciate when we look inthe mirror. Tammy provides a transformational experience that her clients havesaid “allowed me to relax and enjoy the session and really to fall in love withmyself again”. She reflects back to them what she sees without all the baggagethey carry in their head. It’s a great thing to do after a divorce, it allowsyou to start fresh with something you love, you!

Story: A client had been through a particularly toughdivorce with an alcoholic husband and was now taking care of three busy andactive kids, running a household alone, and working full time. She wasfeeling pretty down on herself. She needed images for her business, so she camein because she had heard about what I do from a friend. But like most people,she didn’t necessarily think it would happen for her. She was amazed at theresults and couldn’t believe it was her. I later ran into her at a networkingevent and she introduced me to someone in the most amazing way, she said “thisis the photographer that took my pictures. She’s so amazing, I really didn’tthink I was beautiful most of my adult life until she took my picture. When I sawwhat she did, I actually thought, “hey, I’m looking pretty good!” And I hearthis all the time.

TammyZurak
Z PHOTOG STUDIO
758 Walnut Knoll Lane, Suite 202
Cordova, TN 38018
Call or Text: 901-500-5841

ABOUT PAT GOLDSTEIN

The “Gold Standard In Real Estate”

Crye-Leike Realtors

For buying or sellingresidential real estate

For West TN and NorthMississippi

(901) 606-2000

ABOUT MARK LODEN OF MKL MONTHLY BUDGETING SERVICE

Welcome to the MKL PersonalBudget Planning Experience!

My nameis Mark Loden, counselor and founder of MKL Personal Budget PlanningSystem. I do not sell investments or insurance of any kind. I am a budget specialist and I teach peoplethe Essential Tools for managing their personal finances through a monthlybill paying budget plan. My serviceis simple and straight forward; not a ball and chain, but an organized planthat includes all your monthly budget needs and will help you to:
Pay bills on time andstop collection agency phone calls
Pay down debt such as credit cards,personal loans, etc.
Set aside money for future needs such asclothes, car maintenance, vacations, savings and much more
Learn how to manage your money so well that atany given time of the month, you will be able to know where you stand withregard to groceries, gasoline, savings, etc, in order to monitor yourpriorities and see them become reality.

It is a“Fiscal Fitness Plan” for your personal finances!

901.624.0052Office

ABOUT MARK B. RULEMAN

Ruleman Asset Management& Planning

(901) 488-8228

Bringing over 32 years ofinvestment experience including the last twenty-five as a discretionary investment manager, Markformed Ruleman Asset Management & Planning & joined IndependentFinancial Group in 2019. His emphasis has been in understanding the bigpicture, applying effective asset allocations, and utilizing financial planningto help clients meet their needs and goals. Skilled in utilizing insurancesolutions for clients, Mark also addresses long term and retirement needs tonot run out of income for life.

Heand his wife, Mary, are proud parents of three grown children and enjoyUniversity of Mississippi football weekends in the Grove. Mark also enjoysreading, tennis, hunting and fishing. Believing the importance of supportingthe local community, Mark is active on the board of Theatre Memphis andGermantown Chamber of Commerce. He is a past board member of the Memphis Rotaryand LifeBlood, the regional blood center. He has also been recognized as a PaulHarris Fellow of Rotary International.

ABOUT LLOYD J.CALDEMEYER

Representing

US Health Advisors- AUnited HealthCare Company

Call or Text901-338-2501

Utilizing over 22 yearsof Health insurance experience in both individual and group benefits, Lloydbrings easy to understand solutions to help individuals, families, smallbusiness owners and self-employed individuals. He helps them explore all theiroptions to insure they obtain affordable and high value health care coverage sothey can avoid financial ruin due to high costs associated with medicalexpenses.

Lloyd’s years of experience and in-depth knowledge of the benefits industry and what works for his client’s businesses make him an unusually professional resource andwhat many have relied on as the go-to guy. Lloyd’s good counsel and sound plan designs bring tremendous value. He brings unparalleledpassion and enthusiasm in helping others. Licensed in 20 states.

Lloyd enjoys cooking, gardening and helpingothers. He has been a mentor to troubled youths at Youth Villages and is activein his men’s group helping others in the community.

ABOUT ATTORNEY ANDREW HARTSFIELD

(901) 526-6000

Attorney Andrew Hartsfield has deep roots in the Memphis,Tennessee area and in the Memphis legal profession in particular. He practiceslaw with his father, and between the two they have nearly 70 years ofexperience in the practice of law.

Andrew’s practice is uniquely broad-based in nature andcovers multiple disciplines. Seeing different areas of the law interacttogether allows him to find creative solutions to legal problems that might beoverlooked otherwise. Having a working knowledge of different legal disciplinesalso allows him to get up to speed quickly in preparing for cases. Andrew alsohas a great deal of experience in legal research. He has worked for a Federaldistrict court judge and appellate court judge, insuring that decisions made werelegally sound and based on legal precedent.

Andrew has handled numerous divorce and domestic relationscases, including some that have gone to trial, and he is experienced innavigating the emotional aspects of dealing through this difficult time,providing compassion whenever it is warranted but also giving practical advice.

Andrew proudly represents clients from all walks of life andis eager to help any type of client if he has the ability

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ABOUT JOGARNER-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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