“As a mortgage loan officer I have enjoyed a front row seat on my client’s home buying or refinancing journey. In this book you also will walk with these customers as they share their dreams, face barriers and discover innovative solutions with just the right mortgage program for getting around the roadblocks.

Choosing The Best Mortgage-The Quickest Way To The Life You Want is an essential guide for real estate professionals and their customers. You will encounter the advantages and disadvantages of several mortgage programs and stories of people who used these programs for their unique situations. We learn from each other. I thank the many professionals of excellence that have shared their wisdom with me, with our radio listeners, and with our readers.”

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About the Author

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, 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 Garner has been in the real estate/financing business for over 25 years.  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.

On moving back to West Tennessee in 1987, she went into business buying and selling discounted owner-financed notes secured on real estate.  In 1990 Jo went to work for a residential mortgage company and has been a mortgage loan officer for over 25 years.  Her goal is to offer excellent, affordable service to her customers, tailoring the loan programs to the specific needs of her clients.

In addition to her work in the mortgage field, Jo Garner is the primary sponsor and founder of Talk Shoppe in Memphis. www.TalkShoppe.com  Jo Garner also hosts the radio show Real Estate Mortgage Shoppe airing on News Radio AM 600 WREC and iHeart Radio with podcasts and show notes published on www.JoGarner.com


ISBN: 978-1-947482-34-0

Size: 6″ x 9″ x .4″, 202 pages

Author Website


Jo Garner’s book combines the real life stories of how her  mastery of the mortgage industry positively  impacted the lives of others – Changing lives!.. She shares the experiences she has witnessed in her many years of sharing in her industry and through her 10+ years of radio with real people and real experts.

John Giaimo
CEO, RealtyTimes

An informative and entertaining guide for real estate professionals and consumers alike. I highly recommend it!

Don Hutson
#1 NY Times and Wall Street Journal Best-Selling Author
and Hall of Fame Speaker

Real life insights and stories that support Jo’s relentless commitment to create consumer confidence when it comes to making informed decisions.

Women and Wisdom

I needed a lot of help. I thank God for Jo. I was especially pleased. My family is in a beautiful home.

Ron Soldano

This book is going to help a lot of people. Until we met Jo, we thought there was no place to start. Jo helped us. She made it all about helping us.

John Flatman

Choosing the Best Mortgage – The Quickest Way to the Life You Want is a great resource and an essential guide for real estate professionals and those interested in obtaining the best mortgage. She uses real-life stories in an informative and entertaining way.

Jo Rook

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