Jo Garner is a mortgage officer with extensive knowledge in tailoring mortgages to her customers who are refinancing or purchasing homes all over the country. She offers conventional, FHA, VA, HARP refinances, Rural Housing or other loan programs for refinancing and purchases.

Jo can help you look at rent vs buy, when it makes sense to refinance, how to get the best deal on your home purchase financing. Jo’s mortgage team goes the extra mile for her customers, listening to the customer to make sure the mortgage product fits what they want today and what they need later. If there is an appraisal required, the customer’s loan is given a complete “second look” once the completed appraisal is submitted to see if there are any options for saving the customer more money per month or by lessening costs.

Jo Garner has been in the real estate/financing business for over 20 years. She grew up in West Tennessee and has been in the mortgage business in the Memphis area since 1990. She got her start in Portland, Maine where she first began her real estate career. She received 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 and The Challenge

Join Jo Garner live on News Radio AM 600 WREC every Saturday 9AM to 10AM CST or on IHEART Radio Subscribe for weekly Real Estate Mortgage Shoppe podcasts with show notes at www.JoGarner.com

The Way is the way.
Spiritual Deep Techno

It's I V Y Caleb 
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Dear Devotees, 
I am an aspiring devotee of Sri Sri Radha Shyamsundar and Sri Sri Dayal Nitai Gauranga . I am initiated in the lineage coming directly from Lord Nityananda. My Gurudev is a resident of Radha Kund . And so am I. I am visiting USA for a few years till its time to go back home to Radha Kund.  I love to sing for my for my sweet Radharaman ji and these recordings are my expression of love for Him. He inspire me, I sing a tune. Im sharing this wonderful bliss of kirtan with you all. There are millions of Ragas in the spiritual world.  In our separation from the Lord we can only imagine what those ragas are. You can sing along with these tunes and make them part of your own day in all that you  do !!   
Jai Sri Radhe Shyam !!

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