Garner # 85 7/02/16

Mid-America Mall—

Question: I opened in Downtown Memphis on theBicentennial of the USA – July 4, 1976. Who am I?

Hint: I was the hope of savinga Downtown area that was losing tenants in the late 60s and early 70s.

Hint: The President ofthe United States – Gerald Ford – actually dedicated me in celebration ofIndependence Day.

Hint: I had a bigcircular fountain right in the center of me, in the front of City Hall in theCivic Center Plaza.

Final Hint: I was the longest of my kind in America – onemile.

Answer: Mid-America Mall. In Downtown Memphis,the mid-60s will forever be linked with the slow process of integration, thesanitation workers’ strike, the riots, and the assassination of Dr. MartinLuther King, Jr. in 1968. It also marks the decade when Main Street beganits decline, with almost all retail stores and numerous offices moving outeast, linked by the expressways. By 1970 Main Street was just hanging on.

In 1976, Memphis blocked off Main Street altogether and created theone-mile-long, pedestrian-only MID-AMERICA MALL, between Exchange Avenueand Peabody Place – dedicated on July 4 – the Nation’sBicentennial by President Gerald Ford. It was the longest pedestrian mall in the nation at one mile in length. Surprise! But the opportunity to walk along a tree-lined and sculptured-filled mall fullof store and cafes never really attracted the shoppers that it was predicted todo. Memphians didn’t walk.

So, it which was later renamed the more-appropriate MAIN STREET MALL. Thefew stores still around now had no traffic at all, and Goldsmith’s DepartmentStore lasted until 1993. So the city began hijacking tourists – stopping carsalong the interstate and bringing them to the mall. But it still didn’twork. Even with the Main Street Mall, Main Street was dead and boardedup. Two decades later, the City Government finally figured out what waswrong. They came to realize what others knew at the beginning: Memphians don’t walk! So with thehelp of the U.S. Government, Memphis invested in a system of antique trolleys,which opened in 1993. After somemaintenance issues two years ago, the antique trolleys ceased operation.Hopefully, soon the antique trolley cars will return to the Main Street Mall.

Bonus: Jimmy Ogle’s four distinct tours ofElmwood Cemetery that were scheduled for Saturday, April 25 are postponed untilAutumn. For more information, call 901-774-3212 or go to elmwoodcemetery.org.

Jimmy Ogle has retired from walkingtours in Memphis. Twelve of his MemphisHistory lectures from the Pink Palace entitled Making Memphis – Storytelling byJimmy Ogle, and now more than ten hours Downtown Walking Toursare FREE on the internet at . . . YouTube Jimmy Ogle.

View JimmyOgle.comfor more info!

___________________________________________________________

TOPICS COVERED BY BRANDON THOMPSON, HOMETEAM INSPECTION SERVICE

1. Butfor now, let’s talk about some summer maintenance tips. Inspectors can smelldeferred maintenance a mile away and can cause you problems when you’re tryingto sell your home.

1. Have your air conditioner serviced- have alicensed heating and air specialist perform a thorough cleaning and checkup.This is a maintenance that requires a professional. Beyond having your heatingand air system serviced by a professional, it is good practice to keep theexterior of the condensing unit clean. Dependent on your location and how muchyou use your air conditioner, the exterior should be cleaned regularly. Using awater hose is an easy way to wash debris off the fins. The dirtier thecondensing unit, the harder it has to work, thus shortening the life of thesystem. Keep it clean and it will last much longer.
2. Change out your air filters – This is one ofthose chores that should be done year round, every 60 to 90 days depending onuse and whether there are pets in the home. If you have pets, you may have tochange the filter more often.
3. Change the batteries in your smoke detectors –It is recommended that batteries be changed out every six months. If it’s hardto remember the last time you changes the batteries, put yourself on a twice ayear schedule like July 1^st and January 1^st.
4. Clean your gutters – This task isn’t just forfall, leaves and other debris can dirty up your gutters throughout the year.But traditionally, the fall and winter months are the worst. If you don’t keepyour gutters clean, they get clogged and overflow. This can wreak havoc on yourhome, causing rotten wood on soffits and fascia boards, water draining tooclose to your foundation, and water infiltration on the interior of your home.Water is the enemy for any home and your gutters are there to help control it.You can hire a professional come perform this task or if you’re comfortable,pull the ladder out of the shed and do the job yourself, but either way it isone of the most important maintenance tasks you should be doing regularly. Alot of the deficiencies we find on our home inspections are a direct result ofpoor gutter maintenance.
5. Inspect your roof – A strong storm season mayhave left you with loose shingles or fallen tree branches. Take a walk aroundyour house and look at the shingles on your roof. Use a pair of binoculars ifyou have them. Make sure there aren’t any missing or damaged shingles, treebranches in contact with the roof, and cracks in vents around boots. If you’renot comfortable performing this task, hire a professional roofer to come take alook. Many roofing companies will perform an inspection for free.
6. Check your deck – Look over your deck for anysigns of rotting and reset any nails that are sticking out. You can also checkif your deck requires sealing. Sprinkle some water on the deck’s boards. If thewater beads up, you’re good to go; but if it soaks in, it’s time to reseal it.
7. Examine your clothes dryer vent – This is animportant maintenance issue and should be done regularly – once or twice ayear. Not only will a clean vent make your dryer run more efficiently and dryyour clothes faster, but it will also help keep your home safe. “Dryer ventsaccumulate highly flammable lint, and failure to clean out lint is the leadingcause of dryer fires. According to the National Fire Protection Agency, over15,000 dryer fires occurred in the U. S in 2010. A plugged dryer vent can alsoburn out the heating element.
8. Seal cracks around doors and windows – inspectthe weather stripping around all exterior doors. With the door closed, can yousee daylight coming in around the door? If so, you need additional weatherstripping to prevent the cold air from entering your home. Check the caulkaround all window and door frames. Over time, caulk begins to crack or fallaway, creating a void for moisture intrusion. Remove any old caulk beforeapplying new caulk. You can purchase exterior purpose caulk and a caulk gunfrom your local hardware for a few dollars and get the job done yourself.
9. Do a leak check – Its likely that your utilitieswill cost more in the summer because of the expense of cooling your home, soevery little bit of savings helps. Check your hoses and exterior faucets forleaks. Even a tiny drip can add up to a big waste of water.
10. Prune your plants, trees, bushes – Get rid ofthe yard debris.

________________________________________________________

TOPICS COVERED BY JO GARNER, MORTGAGE LOAN OFFICER

1. How do I know whatfinancing truly FITS me?
2. Determine your true income vs what your true debts andobligations are costing you.

Get your last 3 to 6 months bank statements in front of you(your paper statements or your online account information)

Get your last 3 to 6 months credit card statements in frontof you.

Set a timer for an hour or more and commit to FOCUS

Now, start counting up what you actually get for income going into your asset accounts and what youactually spend on bills and other stuff you may or may not need.

What bills come due only once or twice a year? (Car tags, club memberships, car insuranceetc)

What can you do without? Cut it out of your spendingplan.

After writing out your true income and your trueexpenditures, what is the maximum house payment that is comfortable for you?

What is the maximum down payment that is comfortable for you?

Let your lender know your maximum comfort level on themonthly payment and the down payment. The current mortgage software programsmany times prequalify you up to 45% or even 55% debt-to-income ratio. But who wants that much debt??

(if you need some help with getting a flexible but workablebudget worked out, call me and I can connect you with someone who can helpyou.)

• Linden Lancey’s Story—4-Bit Budget, Big Dreams—and aBrilliant Idea

Linden Lancey (not herreal name) reached out to me via email. She was a first-time homebuyer with bigdreams but with a limited amount she could pay for a house note.

Kudos! to Linden for taking a full inventory of what incomeshe had coming in each month and how much of her hard-earned money marched outeach month to pay her bills. She knewher own comfort level on what she could pay down and how much she couldcomfortably pay per month. She told me no more than $1,200 per month and nomore than $5,000 down.

Lindenalso knew all the things she wanted for her home. She knew the general areawhere she wanted to live and all the built in gadgets, bonusroom-over-the-garage workshop and sitting areas with a view she had to have inthe place she would call home.

• But…thehome she wanted would tie her down with a monthly payment of $1,500 per month($300 per month over her maximum comfort level.) The down payment plus someother costs would strap her with $7,000 to $10,000 depending on how much theseller would be able to help with her costs. She would be dipping into heremergency fund to pay out almost double the amount she was comfortablepaying.

• Linden’svoice wavered a bit, the enthusiasm dying off to resigned sigh, like someonegiving up after almost winning a race. She really wanted her own home and shewanted it to be all that she dreamed. She and I talked a little more.

• Lindenand I swapped stories of people we knew who, gradually over time made littleupgrades to their home as they could afford each project. I shared my personal story of learning frommy mortgage clients over the years how to buy a home that needed some upgradesand clean up. My first home needed a LOT of things. But I started right away gradually addingthings to my first house, like replacing an old sliding door with beautifulFrench doors, and building the pantry Iwanted in the empty corner of the kitchen. Over the years living in my firsthome I scrapped the linoleum and added ceramic tile to the kitchen andbathrooms. Then added amenities to thefront garden area, the garage and more.

• Iconfessed to my client Linden Lancey that it was fun each time I was able to dothat extra improvement. It was really acelebration when, one day, I sold the house and made a nice profit so that Icould continue leveraging up on the quality of my personal home which feelslike my castle.

• Lindenhad some brilliant ideas of her own. Shewas hanging up with me to call her realtor. Linden Lancey had discovered how she could buy a lower priced home inthe area she wanted to live and gradually finish out the bonus room upstairs tomake into her dream work shop. She was off to find the home she wouldlove.

• Common recommendations on income and debt ratios.

Many of the financial authors suggest keeping thetotal monthly house note (principal, interest, taxes and insurance, mortgageinsurance, association fees, if any) under 25% to 28% of gross monthly income.Some of these gurus recommend keeping your total monthly obligations includingyour house note under 38% to 41% of your gross income.

Common recommendations on total debt ratio(includes the total new house note (including principal, interest, taxes andinsurance, private mortgage insurance, association fees, if any) plus any other debts per month divided into your gross income.

Example:

Gross income: $7,000/month

New house note- $1,400 (principal, interest, taxes andinsurance, with some mortgage insurance) + $25 per month for neighborhood association fee if applicable.

Car loan $400/month

Minimum payment on thecredit card account =$50/month approximately

Total House note + associationfee= $1,425/$7,000=20% Housing ratio

Total debt =$1,875/month / Total income $7,000= 27% total income-to-debt ratio

• How do you knowwhat loan fits a certain person?

THE GET-IT-RIGHT-THE-FIRST-TIME-MORTGAGE-CHECKLIST

BY: McKenzie Mortgage RD Loans, Mortgage Loan Officer NMLS# 757308

(615) 924-6215 Secure online loan application https://jogarner.evolve.mortgage

1. What is the maximum house payment I can afford right now?

A. Several financial gurus say that yourtotal house note including principal and interest, taxes, homeownersinsurance, and/or mortgage insurance and homeowners association fees needs tobe between 25% and 30% of your gross income. Your total income-to-debt ratios, including the new house payment andpayments on other debt does not need to exceed 38% to 45% of your gross income.

• Mortgageunderwriting software can sometimes approve you income-to-debt ratios of 45% orupwards to 55% of your gross income. Stay within your PERSONAL comfort level though, regardless of what the mortgagesoftware tells you.

• Consider whereyou plan to be in the next year, the next five years, and the next tenyears.
• Are you planningto retire? What will your income be whenyou retire? Will you still be living where you are living now?

• Are you planningto get married? Do you plan on expandingyour family? Do you plan on taking anaging family member into your home? Howmuch do you estimate your living expenses go up? Will your income likely increase too? How much?

• Are you justgetting started in your career? Is itlikely your income will go up? Will you need to relocate? How long is it likelyyou will keep the house? What would it cost to rent versus buy a home like the one you want?

• Do you own ahouse with a lot of equity that you plan on selling within a year of buying thenew house? Do you plan to make a verylarge prepayment to principal once you sell your old home?

-Try doing a bridge loan so you can enjoy the benefits of a much lowerpayment on your new home without having to sell your old home right away

– If you decide to close on your new home first andthen, later sell your old home, here is an example of how that can work foryou.

Edward and Elisa Eldridge had both lost their formerspouses to cancer several years ago. Edward had lived alone in the same homefor over twenty years. Elisa had continued to live alone in her home for overten years. Both Edward and Elisathought that finding love again would be a one-in-a-million chance.

When I came in contact with Edward and Elisa, theyshared their serendipitous story of how they met and fell in love. They got married and wanted to start a newlife in a new home. But they did not want to have to sell their individual homesbefore moving into their new home. Elisasaid, “It’s like getting the cart before the horse. Once I sell my house andEdward sells his, we want to use our profits to pay 50% as a down payment on our new house, just so we can enjoy a very low house note. But where do we get the money to make paythat much down on the new home if wehaven’t sold our old houses yet?”

There are a number of ways Edward and Elisa could getthe funds to pay down on the house. One way is to talk with a lender aboutgetting an equity line of credit secured on their current homes. Since therewas more than $100,000 equity in Edward’s old house and over $100,000 equity inElisa’s too, that would give them the $200,000 they wanted to pay down on thenew house. One day, when they were ready to sell their other homes, they couldpay off the mortgages and credit lines on their current homes.

A second way for the Eldridge’s to get funds to paythe big amount down on the new house they wanted to pay would be to only pay asmall amount down on the new home and pay the much higher payment for a whileon the higher loan amount until they could get their other two housessold. At that point, they said they wanted to pay the new mortgagedown.

Since Mr. and Ms. Eldridge were paying well over 50%of the unpaid balance on their new mortgage as a prepayment to lower the loanbalance, they could refinance for a lower payment or shorter term oncethey had made the huge prepayment.Instead of have to make the large payment on the large unpaid balance, theycould enjoy a much lower payment on a much lower unpaid balance.

In some cases, if you are making a lump sum prepaymentover 20% of the unpaid principal mortgage balance, you can ask the lender to give you a “recast” insteadof “refinance.” Lenders have the option to say yes or no to this request. Therecasting of your payment to a lower amount would make it as if you neverborrowed the larger loan amount. Afteryou make the large lump sum prepayment to lower your mortgage principalbalance, a recast reamortizes the payment as if you never had the larger loa

Do you plan onstarting your own business or acquiring income-producing real estate? This might require you to keep your mortgagepayment low so that you can afford to finance other investments.

• What is the maximum down payment that is comfortable for you?

Severalfinancial gurus say that if you enjoy a stable, salaried job, you probably needabout 3 months of living expenses in an emergency fund. But, if you are self-employed or get a 100% commission income, you probablyneed about 1 full year of living expenses in an emergency fund

• What kind of property are you purchasing?

1. If the propertyis a fixer-upper with lots of needed repairs, you may want to consider aRenovation and Repair loan so you can finance some of the repairs.
2. Is the property youare purchasing going to be your primary residence, a second home or a rentalproperty?
3. Is the propertyyou are financing a condominium or amanufactured home?

• Is the propertylocated in a place where special financing is available?

• What special mortgage programs are available to you specifically?

1. Are you amilitary veteran? Are you eligible for the Veteran Administration 100% VA homeloan?

B. Are you afirst-time homebuyer, not having your name on title to real estate within thelast 36 months? There may be downpayment assistance programs available to you, even if you are not a first-timehomebuyer.

• What methods can we use to develop more than one exit strategy?

1. Is the propertyin an area that is going up in value? Ifyou really needed to sell the home one day, you could probably do it profitablyif the value is stable or headed upward.
2. Is the propertyin an area that is a strong rental market? In a pinch, you could possibly rent the house and get a nice income fromthe home.
3. Is the mortgageyou have an assumable loan? If mortgagerates go up, one day someone may be willing to pay you good money to have theopportunity to quality to assume your low interest rate mortgage when they buyyour home.

What do YOU wantto accomplish with YOUR mortgage?

1. REALESTATE TIP OF THE WEEK (Brandon Thompson, HOMETEAM INSPECTION SERVICE shares areal estate tip- getting a pre-listing home inspection can give you and yourbuyer peace of mind. It may save yourcontract negotiation from failing because of the second round of negotiatingthat sometimes happens after the buyer’s home inspection is done.
2. Jo’s Tip: There are so many mortgagerate choices available to borrowers today. How is the best way to determine which is the BEST rate scenario?

Most mortgage borrowers calland ask “What’s the lowest mortgage rate I can get?” Here’s a word to the wise—the “lowestmortgage rate” is RARELY the best deal. There are plenty of low teaser rates being advertised everywhere,but many of my customers forward to methose companies’ official estimates on terms, I find the lowest rates come withhigher closing and points, making itmore affordable to go with a little higher rate without the extra costs. For instance ;

As a rule of thumb, you wantto be able to recapture the closing costs you pay on a refinance within lessthan 2 years if you plan on keeping the house for 5 years or more. In this current market, it is easy torecapture your closing costs in about a year or less. If you are refinancing your 30 year mortgageto another 30 year loan with a lower rate and you save $300 per month and youpaid $3,000 in closing costs, you would recapture your closing costs in 10months $3,000 in costs divided by $300/mo savings –that’s pretty good.

If you are refinancing your$220K 5% 30 year mortgage with 22 yearsleft that has a $1,200 principal and interest payment to a 15yr term, you can calculate how many principal and interest paymentsyou are eliminating from the term by shortening the number of months left onthe mortgage. $1,200 x 84 monthseliminated by shortening the term by 7 years and you have saved over $100,000dollars in total principal and interest payments. Is it worth paying $3,000 or so in closingcosts? You bet it is because ultimately,if you keep the house over the next 15 years, you would have spent around$3,000 to save over $100,000. you have some numbers to compare to determine ifit is worth it to YOU to refinance but you want me to run the calculations tosee how long it will take you to recapture your investment, I am happy to helpyou. You can call me directly after thisshow at (615) 924-6215. Or email me at This email address is being protected from spambots. You need JavaScript enabled to view it.">This email address is being protected from spambots. You need JavaScript enabled to view it.

ANNOUNCEMENTS:

Talk Shoppe offers free networking & education to anyone interestedin real estate or in business. Go to www.TalkShoppe.com and click on Upcoming Events Tab for virtual meeting location websiteaddress.Talk Shoppe meets every Wednesday 9A-10A CT This Wednesday July 15,2020, BarbaraS Moore, RN. Care Manager of Mid-South Home Helpers “ InspiringJourney After A Devastating Accident—An Accomplished Horsemen’s UniquePerspective”

Talk Shoppe welcomes Earl Leake of Leake AgencyInsurance. Earl Leake specializes ingetting your business and its assetsprotected with insurance. Thank youEarl Leake for financially making it possible for our business community to getfree education and networking at Talk Shoppe’s weekly events. Contact Earl Leake of Leake Agency Insuranceat 901-737-9352.

Thank you to Nita Blackof www.901elearn.com for making freeeducation and networking available to our business community. Nita can show you how to monetize your onlinepresence using learning modules. Go to www.901elearn.com

2. It’s hot outside. Check on your pets, your neighbors and yourfamily members who may need help. Theywill appreciate your thoughtfulness.

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:

Coolfunnyquotes.com “ I finallydiscovered what’s wrong with my brain: On the left side there is nothing right,and on the right side there is nothing left.”

____________________________________________________________________________________

REJOINDERS:

1. Greg and Kelly Inman, of www.NextDayAccess.com helping your aging or handicapped loved one stay comfortably and safelyin their home by providing stair lifts, wheelchair ramps, grab bars andmore
2. Mark McLaurine, RefrigerationUnlimited. Mark is a sought afterheating and air repairman and is also known as the heating and airstrategist. www.myhvacman.com
3. EricEurich, Business Coach www.ericeurich.focalpointcoaching.com Business coaching Eric Eurich isTalk Shoppe’s business coach too.

Transitional Music: “Check it out” by John Mellencamp; “Take A Closer Look” Supremes; “Our House” Madness; “Memphis” by Johnny Rivers for the Look BackMemphis Trivia Contest

________________________________________________________________________

ABOUT BRANDON THOMPSON, HOMETEAM INSPECTION SERVICE OF MEMPHIS

Brandon Thompson, Home Team Inspections

Direct (901) 848-2388

Appointments (901) 562-0988

TN Home Inspector License#: 1553

ASHI Member#: 263050

NACHI Member#: 17020732

Home Team Inspection Service – Memphis

Brandon Thompson – owner of HomeTeam Inspection ServiceMemphis. I am a member of ASHI (American Society of Home Inspectors) and NACHI(International Association of Certified Home Inspectors), Memphis AreaAssociation of Realtors, Women’s Council of Realtors, BNI, and I’m a licensedhome inspector in the state of TN.

HomeTeam Inspection Service is the leading home inspectioncompany in North America. For more than 20 years, home buyers, home sellers,and real estate professionals have recognized HomeTeam for being fast, trustedand accurate. And just as the name implies, we make every inspection a teameffort. Because your time is valuable, we bring a team of professionals to yourhome inspection. This assures you of an efficient and thorough inspection.

I’ve lived in the Memphis TN area since 1998 and have spentthe last 19 years working full-time for the Air National Guard as an ITSpecialist. I earned my degree in Business Management from the University ofMemphis with a minor in Real Estate Finance. My love for real estate startedearly on while working with my father on a couple of remodeling projects anddeveloped over the years as a home owner and DIYer. I’ve always wanted to workfor myself and I wanted do something to help people. I love the fact that I’mable to help buyers make one of the most important decisions of their life.

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

blog comments powered by DISQUS back to top