Today on Real Estate Mortgage Shoppe you will behearing some tips and stories about how to enjoy being comfortably cool whenall around you seems to be on fire.
Iwill be sharing some stories from some of my clever clients used some coolmoves in a hot market to claim the house they truly wanted. Mark McLaurine, heating and air conditioningstrategist and repair expert will be giving you some great tips on how to keepyour AC cooling your home.
What do YOU want to accomplish from YOURmortgage? Call me and let’s explore youroptions (615) 924-6215 This email address is being protected from spambots. You need JavaScript enabled to view it. Subscribe toget Real Estate Mortgage Shoppe podcasts with show notes at www.TNRDHomeLoans.com
To Your Success,
McKenzie Mortgage RD Loans,Mortgage Loan Officer NMLS# 757308 (615) 924-6215 This email address is being protected from spambots. You need JavaScript enabled to view it.www.TNRDHomeLoans.com
FIRING UP THE SHOW …..
Good morning, Memphis! Welcometo our internet listeners and podcast listeners across the 50 states! You’re onReal Estate Mortgage Shoppe. I’m your host, McKenzie Mortgage RD Loans, Mortgage Loan Officer. You can connect with me at www.TNRDHomeLoans.com. Our generaltopic is COOL MOVES TO MAKE IN ARED-HOT REAL ESTATE MARKET.. Subscribe to get ourweekly blogposts with podcasts at www.TNRDHomeLoans.com. Call us while we are live at (901) 535-9732 Today is August 15, 2020.
(Jo) Back in the Real Estate Mortgage Shoppe studio isMark McLaurine, Heating and Airconditioning Strategist and repair expert. Mark time after time I have heard people givetestimonies to how you have used your repair skills and other resources to fixproblems that the average repairman may not see. So many times you have savedthat customer from having to buy an expensive part or saved them from having tobuy an entirely new heating and airconditioning system. Take a moment and tell our listeners alittle about yourself and what you do for your heating and air conditioningclients. (Mark has about 1 minute or so to talk about himself and what he doesfor his clients,,,)
(Jo)Yesterday I was listening to a real estate podcast from the NationalAssociation of Realtors and speaker was talking about Memphis, TN being one ofthe hottest real estate markets because we have a good quality of life here andbuying a home is VERY AFFORDABLE. A fewweeks ago I was watching a national news program and our fair city Memphis, TNwas the hit parade on that show too—for the same reason. A great place to rent or buy a home—buymuch more affordable to BUY a home. As the news anchor was signing off, sheyelled over to her camera guys, “ I want to live in Memphis!”
“Yes,ma’am, me too,” I thought. It is a hot market and, if you want to live here andlive well and comfortably, you need to be prepared, be prompt and be patientwith the right professionals on your team.
Wehave a unique market that some of us have never seen before in our lifetimes. ATremendous Trifecta – High Demand for Homes, High Values on Homes and thelowest interest rates ever. Theshortage of homes on the market and the high demand from buyers to buy a home isbeing fueled by the low mortgage rates. That is great for home sellers, but homebuyers making an offer on ahouse are competing with other people making offers on the same house.
YORK AND YVONNE YAGER’S STORY
York and Yvonne Yager (not their real names) had been renting. Theytold me when I was getting their mortgage preapproved the price range they wanted to buy and what theywanted for a maximum house payment and down payment. But just from the way theytalked in the beginning, I knew they were going to get a shock when theystepped out into this lightening fast real estate market.
The Yagers wanted to take a couple of days to decide on houses thatthey liked before making an offer only to find time and time again that someoneelse’s offer had been accepted and the house they liked was sold before theycould make their move. “Every time we find a house we like, someone else buysit before we can make an offer,” they complained.
After traipsing through so many different houses for several weeks, theYagers didn’t want to settle for anything less than what they truly wanted.Right before the Yagers were about to throw in the towel on their househunting, they walked into the house they knew was THE ONE for them. Knowing competition would be stiff, they madetheir highest offer right then and there—and after a few hours of anticipation,their offer was accepted. In all capstheir text to me read “WE GOT OUR HOUSE!!!!!”
Later in the show we are going to get into some very specific coolmoves you can make when you want your offer for a home to win like the Yager’sdid. Right now, let’s pivot over to theMark McLaurine with Refrigeration Unlimited and talk about how to STAY cool inour houses this summer. (Mark McLaurine has about 2-3 minutes to startlaunching into his topics to be continued after the 9:15 break)
You’reon Real Estate Mortgage Shoppe. I’m your host, McKenzie Mortgage RD Loans, Mortgage LoanOfficer. What do YOU want to accomplishwith your mortgage? Make your plan. Let’s work your plan if the deal works foryou today, let’s do it today. When wecome back we will be getting more great tips on some cool moves we can make tokeep our airconditioning cooling our homes. Ed Hill of Master Roofing will be sharing a good tip with us when wecome back.
TALK SHOPPEBUSINESS TIP FOR REAL ESTATE PROS
2nd segmentafter 9:15 advertising break – (producer to start the song “Taking Care of Business” by Bachman Turner Overdrive–but bring the volume down before the lyrics start) It’s time to talk shop withTalk Shoppe’s Business Tip For RealEstate Professionals. Talk Shoppe is a marketing company offering freeeducation and networking to anyone interested in real estate or in business.Talk Shoppe is made possible by thefinancial support of its sponsors and advertisers. For more about Talk Shoppe,go to www.TalkShoppe.com(shoppe) For our Talk Shoppe BusinessTip today we have Talk Shoppe sponsor Ed Hill of Masters Roofing. I heard one of your customers tell me yourcustomer service set the bar really high when compared to a lot of otherroofers. You are focused on giving yourroofing customers what they want withhigh quality workmanship. Ed Hill of Masters Roofing, what is our Talk Shoppe Business Tip for RealEstate Professionals today? (Ed Hillhas about 1.5 minutes to share some budgeting tips )
Ed Hill, how do we contact you? 901 871-7663
Ed Hill’s tip #1 Talk Shoppe Tip For RealEstate Pros #1
Whendeciding between shingle grades consider that for only a little more money onthe front end to install a higher wind-rated shingle on your new roof that youwill save several times more during the life of the roof when you are nothaving to repair wind damaged shingles after storms! Choose a 110 mph or 130mph wind-rated architectural shingle rather than a 65 mph wind-rated 3 tab flatshingle. The difference in cost will only be about $20 per square! Get sixpricing options by calling me 901-273-6594.
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TOPICS COVERED MARKMCLAURINE OF REFRIGERATION UNLIMITED
TOPICS COVERED BY MARKMCLAURINE:
- What are some tips you can give homeowners to help keeptheir air conditioners working throughout the summer?
Change filters in your HVACsystem every 6 months
What are some tips youcan give homeowners on what to do when the air conditioner stops working? When you turn on your airconditioning and it is not cooling—Turn on thefan-Turn off the system. Call Mark. With the system off and the fan turned on,this will unfreeze your pipes while Mark is enroute to fix your
- Talk about the air purifying bulb you can install in thehvac system to help purify the air in the home.
Ultra violet tube and also thetop of the line I Wave that can be installed into your HVAC system and willpurify the air inside your home
- Talk about the latest government rules that affect whattype air conditioner you will need to purchase when its time to buy a newone? What are the costs for these units?
- What sets you and your company apart from other heating andair companies?
- Topics include discussing Gettingthe air conditioning ready for a hot mid south summer. We address the 5 thingsthat can take an ac system down also changes in the furnace world that willrequire individuals and business to install more “economy minded” fandrive furnace systems and finally explaining our “three prongapproach” to service which addresses proper ain a timely fashion, repairsvs replacement on aged systems and replacements with fine carrier products withaccessories such as air purification systems that neutralize and aid removal ofbacteria, mold and mildew that grow on surfaces and that are detected airborne.Hope this is what you were asking for.
TOPICS COVERED BY JO GARNER, MORTGAGE LOAN OFFICER:
- What are the top cool moves to make when preparingto buyin a red-hot real estate market?
- Set Your Personal Boundaries
-Determine before you ever even look at a home to buy,what is the maximum house payment amount you can comfortably pay.
– Determine before you ever even look at a home tobuy, what is the maximum down payment and move-in cost you can comfortably pay.
You may need to get creative like one of my clients Ricky Rodriguez (nothis real name)
MR. FIX-IT TAKES ONE STEP AT A TIME TOWARD HIS DREAM HOME (competitive market)
Meet Ricky. Ricky is barely out of his twenties and wantsa shop next to his house so he couldwork on cars and fix stuff. He alsowants to be in a particular upscale neighborhood. His dream house was like having champagnetaste on a beer budget. Ricky engageshis imagination and some ingenuity.
He found a house in a neighborhood that was going steadily up in value,even though it wasn’t the upscale area he initially wanted. The property had a garage. This house would not break the bank forRicky. Ricky took action with a smartoffer and beat out any competition to buy his house. Over time he transformed the garage into anawesome shop by installing a work benchand later some racks for his tools. Thehouse was going up in value too. Rickywould one day be able to launch from this home up to the more upscaleneighborhood he originally wanted.
- Setting Your Priorities For What You Want andWhat You Really Need For Your Home
- Make a list in the order ofpriority of what you cannot live without in your home and what would be nicebut not necessary. For instance ifclimbing stairs is painful for you, then a two story home is NOT anoption. Don’t even look at them.
- If you would like to have a double oven in the kitchen and a swimming pool outside but can wait a year ortwo to acquire them, then that is a bargaining chip you can trade for somethingelse. Give your priority list to your realtor to help with knowing how tonegotiate.
- What are thetop cool moves to make to be prompt when buying in a red-hot real estate market?
- Get a strong preapprovalletter from a reputable lender. Beprompt in getting your income and asset documents to your lender and othercredit documents. If the lender sendsyou a letter letting you know they have reviewed your credit and income andasset supporting documents and you are still looking good as a borrower, nowyou can make an offer that is more FIRM than you competition.
- Remove as many contingenciesto buying the home as possible. Forinstance, you may be planning to sell your current home after you buy the newhome, but go ahead and ask the lender if they can get your loan prequalifiedWITHOUT having to sell your current home first. Another cool move in a hot market to makeyour offer FIRM and more sure in the eyes of the seller
- Can you waive the home inspection contingencyor agree to pay any repairs as a result of the home inspection? Risk Alert here. But it is a common bargaining chip thatcould make your offer for firm and sure than the offer from the other would-bebuyers.
- Can you make your offer tobuy the home NOT contingent on the appraisal value? RISK ALERT again, because that means if theappraisal comes in at a lower value than the sales price, you are agreeing topay the extra money required to still pay the higher price you offered
- What are the top cool moves to make to be patientwhen buying in a red-hot real estate market?
- Make your offer flexible infavor of the seller. This requires somepatience. The seller may want tocontinue living in the home for a couple of weeks once you buy their house togive themselves time to pack and move or wait on a newly built home to befinished.
- Be flexible with terms andwilling to give up some of your bargaining chips on the lowest end of yourpriority list.
- Be patient. Sometimes youhave to add persistence to the virtue of patience. Like in Yorkand Yvonne Yager’s story, you may have to look at several houses and makeseveral offers before the seller accepts your bid for the house. Stay within your financial boundaries andmake sure you get a house that has the already the things you need that are onthe top of your priority list
- Cool movesto make in a red-hot real estate market is to have an experienced team workingwith you.
- Realtor
- Lender (I’d like to sign upas your lender for life.
- Closing Attorney or TitleOfficer
- Home Inspector
- Insurance Agent
REAL ESTATE TIP OF THE WEEK (EdHill offers 1 to 1.5 minutes to share a real estate related money-saving ortime-saving tip related to roofing ):
TalkShoppe Tip For Real Estate Pros #2
Didyou know that some home insurance policies offer a new roof discount? Consultyour agent about discounts you may get after installing a new roof, then callme at 901-273-6594 for six pricing options and let’s get you a new roof and anew roof discount! If you need an agent who can help you with that…I know agal… Call me 901-273-6594!
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 August 19th Brad Hyde, BusinessDevelopment Specialist with Delta Specialty Hospital “Dealing with theDisagreeables In Life and Relationships”
We want to say thank youto Genell Holloway of www.healthbenefitsplus.org Health Benefit Coverage you can count on. (Putting the Plus sign in YOUR bottom line) Genell Holloway financially supports thefree education and networking for our local community at Talk Shoppe. Connect with Genell Holloway at www.healthbenefitsplus.com to talk with her about your health benefits
Thank you to Brett Carter ofServiceMaster by Cornerstone When youexperience Fire, Water Damage, Mold or Bio Hazard in your home, don’t go italone, call ServiceMaster by Cornerstone. They have a great reputation for treating their customers right. (901) 624-9200
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:
Colin Powell, “There are no secrets to success. It is the result ofpreparation, hard work and learning from failure.”
Anthony Robbins “Whatever you hold in your mind on a consistent basis,is exactly what you will experience in life.”
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REJOINDERS:
- Don Hutson, national speaker and authorof The One Minute Negotiator. www.donhutson.com
- Taylor Morse of Cartridge World ofCollierville, saving you 30% or more on your printing costs. Contact Taylor Morse at 901 853 3230
- Bill Emmerling of www.VistaPoints.org (888) 422-4076
TransitionalMusic: “The Heat Is On” Glenn Frey; “Some Like It Hot” Power Station; “Hot Stuff” by DonnaSummer; “Taking Care of Business” by BTO for the Talk Shoppe Business Tipfor Real Estate Pros
CALLERS: LYNN MCDONALD, ERIN MCDONALD INSURANCEAGENCY (901) 849-7171
LLOYDCALDEMEYER, US HEALTH ADVISORS (901 ) 338-2501
ABOUTMARK MCLAURINE, REFRIGERATION UNLIMITED
901-216-7782
www.myhvacman.com (901) 216-7782
Do you need help with yourheating, cooling or refrigeration problems?
MarkMcLaurine is a certified, licensed and insured universally approvedtechnician in Memphis who can quickly diagnose and repair appliances in acost-effective manner. We also offer other services that are often related suchas:
• Plumbing issues and repairs
• Electrical circuitry and repairs
• Ventilation issues and repairs
• Indoor air quality services and related products
• Sewer and drain services
• Mechanical and gas piping services
• Filter contracts
• Appliance repair and installations
Norepair is too small!
Prompt and friendly service in a timely manner is the key to our success. Ourreputation depends on you as our valued customer. We have also found by givingcustomers options, (repairs vs. replacements) it benefits all involved. Wepossess a good inventory of refurbished air conditioning and heating equipmentfor sale as well as installations in the greater Memphis area.
Ourtwo signature programs are as follows:
• Cash trade-in for working, non-obsolete equipment
• Referral Rewards Pointsfor satisfied customers that recommend us to others or allow themselves as areference on a related service at our website.
At RefrigerationUnlimited, we believe we are taking service and thesatisfaction desired to a whole new level. Call us for any appliance repair.
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ABOUT ED HILL OF MASTERS ROOFING
Ed Hill has been in theresidential roofing industry since 2008 and has been Senior Consultant withMasters Roofing Memphis TN since 2010. He has personally assisted about800 homeowners with roof replacement and many others with roof and exteriorrepairs. He is an active member of the Greater Memphis Business NetworkInternational chapter and is the official Masters Roofing consultant to TPCSouthwind. He holds three earned degrees including a doctorate but triesnot to let those get in his way of serving his customers! For free roofadvice, free inspections, and free estimates and bids for roof replacement orroof repair call Ed Hill at 901-273-6594. Learn more at #EdHillMastersRoofingand at MemphisHomeMaintenanceShow.Podbean.Com
EdHill, Senior Consultant
MastersRoofing
2845Stage Center Cove
BartlettTN 38134
901-273-6594
This email address is being protected from spambots. You need JavaScript enabled to view it.
TNState Licensed Contractor #00067521/ Reciprocal Licenses MS & AR
BBBA+ Accredited Member Business
PlatinumPreferred Contractor Owens Corning / GAF Master Elite Installer
GuildQuality Member / Angie’s List
www.EdHillMastersRoofing.webs.com
Podcasthttps://MemphisHomeMaintenanceShow.podbean.com
http://Instagram.com/EdHillMastersRoofing
www.Facebook.com/EdHillMastersRoofing
You Tube Channel: Ed Hill Masters Roofing
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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 mortgage field,McKenzie Mortgage RD Loans is the primary sponsor and founder of TalkShoppe 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
