Attorney Ursula Woods, Attorney Monika Johnson,Lavetra Stewart

We're "Asking the Experts" with Attorney Ursula Woods, Attorney Monika Johnson and Real Estate Broker Lavetra Stewart on The Bev Johnson Show on WDIA Radio.

Episode Transcript

Speaker 1 (00:03):
Memphis probably presents the Beam Johnson Show. Let me hear
you say, Beth, I've got stop me.

Speaker 2 (00:17):
Let me make you say. She's gone emphistop gain.

Speaker 1 (00:28):
No matter of the problem she can have.

Speaker 3 (00:32):
So just all the phone and a normal calling your mind.

Speaker 4 (00:38):
She Jimmy ding in the hair by cheving you to
just keep the fair.

Speaker 5 (00:48):
When a wrangle a pegging out.

Speaker 1 (00:50):
Fis Johnson Show, because well I've got nothing happen. You
can hear every day you need.

Speaker 5 (01:00):
I am my bell, got me a missing yah.

Speaker 1 (01:47):
Good morning, good morning, good morning, and welcome in to
w d i A The BB Johnson Show. It is
indeed a pleasure to have you with us once again
on this Wednesday hopday. All June eleventh, twenty twenty five,
enjoyed this fibulous day to day. Get ready to put

(02:11):
your ears on the sister friends are back in the house.
We will be talking with Attorney Ursula Woods is here.
Attorney Monika Johnson is here to spread the good news.
When it's your turn to talk, you know you can't.
All you need to do is dial these numbers nine

(02:31):
zero one five three five nine three four two nine
zero one five three five nine three four two eight
hundred five zero three nine three four two eight three
three five three five nine three four two. We'll get

(02:56):
you in to us. And if this day, this this,
this this day, Wednesday, June eleventh, twenty twenty five, is

(03:19):
your birthday. Happy birthday to eagen Eva won to y'all
out there who may be celebrating a birthday on this day.
Happy birthday y'all. Also fifty three years. Yeah, they've been
married fifty three years. Happy birthday to Donald and happy birthday,

(03:40):
Happy anniversary. What to Dounele and Bernice Baskin. Happy anniversary
brother and sister celebrating fifty three years of marriage. Yeah
to God be the glory, Amen, Amen and Amen congratulations
Donald and Bernice Baskin breeding fifty three years of marriage.

(04:04):
Best wishes and many more to come. A happy birthday
to all of you all out there. You know what
we say, you too, Bernice and Donald, go out and
celebrate your life, y'all better, you better. When we come back,

(04:24):
we'll talk with the attorneys. The sister girls are here,
Attorney Ursula Woods, Attorney Monika Johnson. Next with me Bev
Johnson on le Bev Johnson Show, only only on w
D Ia. Good morning and welcome back to WDIA. I

(04:59):
played my boy friend. Yeah that's Norman Brown. I love it.
After the storm. Let me remind you all that June
is Black music month. Listen to some black music. Oh
even better, go buy you something. Go if you like
me old school, I'm still old school. I'm old school.

(05:21):
I'm gonna use my old school music and listen to it.
So June is Black music months. So celebrate our culture
and our heritage a little black music.

Speaker 3 (05:35):
All.

Speaker 1 (05:36):
As I said, they're stepping in the seat. My sister
friends are back in the house. Welcome once again in
the house with me, Attorney Ursula Woods. Attorney Monika Johnson
is back in the house this morning. Good morning sisters.

Speaker 5 (05:57):
Good morning sister.

Speaker 1 (06:00):
How are your sister?

Speaker 5 (06:02):
You know what I am doing well? Today is a
good day. Yes, the weather is good. Everybody looking good
in the studio. Everybody's happy. Attorney jumping Yeah for pearls
that ye wants to see the new hairstyle with attorney
this summer summertime. So is this our summer look?

Speaker 1 (06:19):
This is yeah, this is our new experience. Yeah yeah,
I like it.

Speaker 2 (06:25):
I like it.

Speaker 1 (06:26):
Attorney Johnson. Before we start, I met I think she's
my sore. I don't know if I anyway, she said
that she grew up with you, little girl. Oh gosh, lord,
I should have I should have wrote her name down.
She said, you you all been friends eight nineteen. Oh gosh,

(06:50):
I can't remember her name. But I told her, I say, yeah,
that's my girl. She said, we grew up together.

Speaker 5 (06:55):
Oh nice.

Speaker 1 (06:58):
And it wasn't Torri you met to worry.

Speaker 6 (07:00):
She's definitely your sorower from Russ, right, and I grew
up with her.

Speaker 1 (07:06):
I'm trying to think of another that may be her Russ.
But I met her over the weekend. Oh nice. Yeah,
and she met I said, yeah, that's my sister right there. Johnson. Yeah, gosh,
you know, if I don't write things down, I won't remember.
But I just wanted to tell you that I think

(07:26):
I think it was. It may have been. That's my
friend to this day. Yeah that's what she said. Yes, girls, yes.

Speaker 6 (07:35):
Yes, Sometimes you have those friends that are in your life,
you know, for a season and for a reason, that's right.
But and then you have those that are in your
life for a lifetime. I mean they've seen you in
every season. Yes, they they've celebrated your wins. They have
grieved during your grieving periods, and she is one of

(07:56):
those lifetime friends.

Speaker 1 (07:59):
So I thank you for people like that in my life. Well,
I wanted to mention it because I told her I
was gonna tell you. Thank you, beb. You just brighten
my day. Well, good, See, that's what sisters do, encourage
each other. I appreciate that. I really appreciate that. Yeah,
she was very nice, very sweet. So uh and she's
my sore so I'm thinking yeah, because Saturday we had

(08:22):
a sorority meeting. So anyway, yeah, so I got it
out all right, sister. Well let me tell you with
the These sisters are from the bankruptcy firm preferred title
in Scrow nine oh one car Wreck and the Legacy
Lawyers Legacy Lawyers Group. They are here. But before we

(08:43):
start talking, Megan, we know we know Attorney Monia. We
got to get that famous soap box.

Speaker 5 (08:51):
The famous soap fox. This is Attorney Ursula Woods and
so every every month we come on, we share a
little wisdom that we have garnered over life. Attorney Johnson
and I. So today's soap box is about having a
sweet spirit of goodbye embracing the sweet spirit of goodbye.

(09:12):
That I originally heard the phrase from a pastor of TDJS.
This was decades ago, so it's an old sermon, but
he said, you have to embrace the sweet spirit of goodbye.
When a chapter ends, we have to look at it
and face it. So today I want to talk about
a few steps on how to handle a breakup, be
it a friendship, which is so devastating to break up

(09:33):
with a friend, because that's your ride or die, that's
your person that you're supposed to be with forever. You know,
good times, bad times. When you could talk about being
alongside someone during their highs and the lows. And I
jokingly say the most if we break up, I'm going
with you where we breaking up to. I'm going to
we break it up where we breaking up because when
you have that friend in your corner, it allows you to,

(09:55):
you know, to breathe a little. If you think about
fighters that are out there, they getting that corner and
they have somebody that's in their ear building them up,
telling them it's gonna be okay, you can do this,
go back out there, and then you go back out
there to fight another day. So when you're breaking up
from the one that you love, be it a professional relationship,
personal friendship, or otherwise. It's heartbreaking, okay, And a lot

(10:17):
of times when we're in those situations, what we really
want to do is hold on tight. We don't want
to let go. Maybe if I talk to them and
I convince them. But I want to encourage something with
you today. I want to encourage you to embrace the
sweet spirit of goodbye. The first thing I want you
to do is accept what is. And you do not

(10:37):
need closure. What you need is clarity. You have to
stop replaying what went wrong or how it could have been.
It just ended, and that's your clarity. Right, it ended,
That's the clarity. Don't chase explanations or one more conversations.
They really they rarely heal anybody. All they do is

(11:00):
reopen the wound. And you're replaying and re solidifying in
your brain, because you got to remember, your brain is
like on a loop. Like I'm serious about this. The
more you think about a thing, the more you're gonna
think about a thing. The more that you fight thinking
about the thing, the more you're gonna think about fighting
the thing. You have to replace it with something. So
with that said, you have to stop replaying what went wrong,
because then your brain will constantly replay what went wrong.

(11:23):
So don't chase explanations. And then the next thing is
say it out loud and I mean this. The chapter
is over, and I accept it. I embrace the sweet
spirit of goodbye. I'm moving forward. You have to talk
to yourself audibly because you are now reprogramming yourself to
move forward. This does not mean it's not gonna hurt.

(11:45):
This does not mean it's not going to hurt. But
what it does mean you're on a path to healing. Okay,
So step one accept what is Step two, get out
of that bed and look in the mirror. Your brain
believes what you tell it, so you tell it something
in power. You know, I am strong enough to heal.
I choose myself. I am learning to let go. I
embrace the sweet spirit of goodbye. Speak positivity into your life,

(12:09):
even if that means writing a note on a sticky
note and putting it in front of you. But you
have got to encourage yourself. Okay. The third step you
have to activate what I call a five second rule. Now,
this five second rule is something I do actually for everything,
all right, So today I tried out attorney JUSTI. I
was gonna ask you if you knew Ashley Hayes. She's

(12:29):
the owner of Evolved Pilates. I didn't know if you
knew her or not. Okay, but Evolved Pilates is a
black owned pilates studio here in Memphis, Tennessee. Cutest little
studio you ever want to see is downtown. The reason
why I'm bringing it they're not breaking up with anybody,
But the reason why I'm bringing that up is because
try something new. Right you're going through a breakup, you
need to have new experiences that affirm where you are.

(12:52):
That was one of the most affirming places I'd ever been.
When you're talking about working out, it's all you know,
good morning, beautiful, you can do it.

Speaker 1 (12:59):
You got it.

Speaker 5 (13:00):
You're strong.

Speaker 1 (13:01):
And I felt strong, you know.

Speaker 5 (13:02):
I was like, I don't know if she tell everybody that,
but I was like, Okay. Then she said, Erica is
the young lady who is the teacher. She said, and
you're strong enough to go to the next class.

Speaker 1 (13:12):
I was like, ooh, okay.

Speaker 5 (13:14):
I don't know if they tell everybody, but it felt good.
So the five second rule what it is okay. So say,
for instance, you're in your bed and you don't want
to get up. You know it's just another morning. You
got to get up. So what I do is it's
a five second rule. You cannot compromise with yourself on
this five second rule. So to get out of bed,
I say five four three two one, and I get up.

(13:36):
I do not compromise with myself if I do the
five second rule. Like if I'm in a shower and
I'm having a good time just relaxing with the water
and I know I need to get out, I'll five
four to three two one myself to get out of
that shower. So it's just something that prompts you that
you know you are talking to yourself, and you just
like when you do your five second rule, I'm not

(13:56):
playing with me. Me not playing with me. So you
have to do that. Even when you're breaking out breaking up,
you're not gonna you're not going to feel like doing
the hard thing, but you're gonna do it anyway. So
at five four three two one, you're ruminating on the
thought of this man or this woman, you can't get
it out of your mind. You gotta move and do
something different. So you five four three to one, You
go for a walk, you call a friend, you journal,

(14:19):
you be gracious because one of the things about depression
is you're looking inside of yourself and all of the
things that are going wrong. But if you five four
three two one yourself and name three things that you appreciate,
even if it's nothing more than the breath in your body,
that will get you out of that mindset. So I
just gave you three steps. There is five more, but

(14:40):
one number one is except what is You don't need closure, closure,
You need clarity and clarity. Is it ended? Okay? Step two,
get out of that bed. Your brain believes what you
tell it tell is something empowering. I'm strong, I'm healed,
I choose myself. I'm learning to let go. And then
three the five second rule. When you're starting back to

(15:02):
ruminate five four three to one yourself and move physically.

Speaker 2 (15:07):
Move.

Speaker 5 (15:07):
Get out that seat, go to the living room. Get
out the living room, go to the bedroom. Move, take
a quick walk, Do ten squats. You've been talking about
getting a getting a bigger bum bump, or to make
your legs stronger. Do ten quick squats real quick, and
envision yourself building up muscles. But whatever it is, embrace
the sweet spirit of goodbye. And that's my soapbox attorney. Yeah,

(15:32):
that was good.

Speaker 1 (15:34):
Can I add just a little bit to it?

Speaker 6 (15:38):
Well no, well no, this is this is the piece
that I wanted to add because one of the things
that you talked about during that was, you know how
empowering it was when you did something different and then
you were encouraged by other women. And I began to
think about my daughter graduated from from college recently and

(16:01):
Taraji p Henson was the keynote speaker, and she said
something so profound to me. She talked about a South
African tribe and when there was someone in the tribe
who had forgotten who they were, you know, who had
lost their way, you know, and a lot of times

(16:23):
when you're in a breakup in a relationship, you forget
who you are, right And she said that what the
people in the tribe would do, she said, they would
put that person in the middle of a circle and
for did she say a week or two weeks, for

(16:45):
a period of time, let's say a week, everybody would
go around and say something to that person to empower them.

Speaker 1 (16:54):
You are beautiful, you are strong.

Speaker 6 (16:56):
Now imagine them building each other up every time somebody
forgot or was lost in astray. You had a group
of and I'm just gonna say, these are those lifetime
sisters that we talk about that can encourage you and
empower you. So on the other token, I want to
say to the person that's watching that person go through

(17:20):
the breakup and the heartache, and you see that person
going deeper into a depression, remind your other sisters to
gather around that individual and encourage them. Because you posted
something about the power of the friends talking among one

(17:43):
another and God hearing their voices. So I just wanted
to add that piece onto the pieces where we're talking
to the person. Come on, it's time to get up.
It's time to get up. But those of us who
are the friends, let's do the encouraging.

Speaker 5 (18:00):
That's good. That's actually with step six. When your breakup,
Step one was accept What is Step two is activate
the five second rule? I'm sorry. Step two is you
know making sure? I mean Step three is five four
three two one rule. Learn The lesson is number four,
create a forward plan and number six and surround yourself
with uplifting energy. And then some people may say I

(18:21):
don't have any hear that all the time, I don't
have any friends. Well, you have to also remember what
the Bible says, you have to be a friend to
gain a friend. Yes, right, And if you don't have friends,
you kind of need to go to YouTube. And don't
take that lightly. You need to go to YouTube and
find out how to be a friend. Look at some
videos and yes it can be that basic. And don't

(18:43):
be like, ah, yeah, do all that. Yeah, because you
don't know how to be a friend.

Speaker 6 (18:46):
Maybe I just think it's taking people out of their
comfort zone, especially well yeah, just not knowing. So I
think that when we're growing up as children, we have
the opportunity to make friends because we're in environments with
those same people every day all the time. And then
when we grow up and we're more distant. In this

(19:08):
world now is all social media, it's a lot more
difficult to make the connections.

Speaker 1 (19:14):
And what it really is is telling these individuals.

Speaker 6 (19:19):
If you really want that in your life, you have
to get out of your comfort zone. You have to
be brave enough to be rejected. You have to be
brave enough to meet someone and say, oh I like
their energy. Hi, my name is Moniqua.

Speaker 1 (19:36):
I like what you're doing. What you come to this
nail shop every week.

Speaker 6 (19:41):
I mean something is I know it sounds quirky, but
you have to be willing to put yourself out there.

Speaker 5 (19:46):
I think that's how we became friends with Angela and April.
It's just because of that. You know, we all met
up at the gym one day and from that the
rest is history. So yeah, so Bell, you have any
wisdom for us today?

Speaker 1 (20:00):
Well, no, you had the wisdom for me because I
like what you said. It's not about the closure, it's clarity.

Speaker 7 (20:06):
Yeah.

Speaker 1 (20:06):
Absolutely, So I've learned something. So you want to be
clear on why this is ending.

Speaker 5 (20:11):
Right, Yeah? Yeah, you want to be clear. But sometimes,
to be honest with you, those are things end because
people just fall out of love because they just don't
have the capacity or to bandwidth to deal with or
tolerate another person. And that's very hard for someone to
hear because you feel the way that you feel. But
somebody told me this, They said, you'd say that you

(20:32):
love someone because they made you feel a certain way.
But the person said, but you're the one that's feeling it,
So that feeling is inside of you. You get it
that person didn't give you anything. What you experienced was
inside of you, so therefore you can create that experience again.
And as I'm aging, the one thing that I'm realizing
is that there's peace in the silence. There's peace in

(20:54):
the calm. There is peace and contentment and being alone,
not lonely, but just being alone in your own home,
looking at TV and doing what you want to do.
If you've never been married, most people are so desperate
and just clingy to get married. But marriage is a
lot of work. So you, yes, a whole lot of work.
So while you're praying for that man, you're envisioning the

(21:18):
right compromises beyond your comfort level. So you're envisioning this
picture perfect life. Baby, you don't work like that.

Speaker 1 (21:26):
Yeah, it's not like the movies.

Speaker 7 (21:27):
I like that.

Speaker 1 (21:28):
But but you did ask for wisdom, yes, so I
have something for you, yes, ma'am. And I use this
all the time one of my affirmations. Good people give
you happiness, bad people give you experience, the worst people
give you a lesson, and the best people give you memories.

Speaker 5 (21:53):
Oh I love that now, But sister, that's good, that's good.
That's it.

Speaker 1 (22:02):
Yeah, put the benediction on that, Amen, pass the play
as the play I'll set again for you, attorneyment.

Speaker 2 (22:12):
Good people give you happiness, bad people give you experience,
the worst people give you a lesson, and the best
people give you memory.

Speaker 5 (22:32):
And then Attorney Johnson is all about creating memories. Oh yeah, yeah, creator,
and that's something that she always.

Speaker 1 (22:38):
So because because your memories will always be with you,
and especially those good memories.

Speaker 5 (22:42):
That's for amen. Amen. Amen, y'all got this today?

Speaker 1 (22:47):
All right, good soapbox today. So yeah, so you finished
so much. Yeah, we're gonna break and when we come back,
you let us know what you're doing.

Speaker 5 (22:57):
I know you have a guest.

Speaker 1 (22:59):
Yes, well, we're going to introduce the guest. And if
you all just tuned in, I'm talking to my sister friends.
Attorney Ursula Woods is here, Attorney Monika Johnson is here.
We're talking as we ask the experts right here on
w d i A.

Speaker 8 (23:22):
We're asking the experts on the Bev Johnson Show, only
on w d i.

Speaker 3 (23:28):
A, the Bev Joses Show.

Speaker 1 (24:15):
The Word to bring you ourday. Good morning, and welcome

(24:44):
back to w d i A. As we asked the experts,
the experts are in the house today, Attorney Ursula Woods
and Attorney Monika Johnson and Attorney Ursula what's on for today?

Speaker 5 (24:57):
Today? Today is our day. We have love Veatre Stewart.
She is a licensed general contractor. Okay, she's a licensed
general contractor as well as a real estate agent with
Patterson Home Real Estate Company. And we're just going to
go through the buying process. She is the educating broker

(25:17):
Levitra V. Stewart. Yay, welcome, welcome.

Speaker 9 (25:21):
Welcome, pleasure here. I appreciate that.

Speaker 5 (25:25):
And I have an intern for the day. I have
an intern for the day. This she is making a
debut in Memphis, Tennessee on iHeartRadio. We now have the
birthday queen herself. The intern today is Miss Royalty. Yay,
so hello Royalty. She's trying to get it to the mind. Y.

(25:53):
I think it's important that we give back to our children.
And I commend you Levitra for bringing in Miss Royalty today.
Takes bose her to what you do professionally and then
to meets so many people that are literally in the
Hall of fame like Bev Johnson and Big Sue and
Mike Evans and even the sales manager. So that's kind
of exciting. But back to you. Tell us a little

(26:14):
bit about yourself before we get started.

Speaker 9 (26:16):
Well, I'm a real estate broker with Century twenty one
of Patterson and Associates. I've been licensed for the past
six years, and I am a licensed well I almost
say woman licensed residential general contractor, that's right. I also
have my own construction team so I can rehab homes
bill from the ground up. And I also host a

(26:40):
lot of home buying classes and a big advocate for
my neighborhood, the Fraser area.

Speaker 5 (26:46):
Yeah all right, so, and I appreciate that Fraser is
definitely an area that they have been having a lot
of development, you know, improvements out there. So moneyger, are
you from Raleigh? Right? Aren't you from Raleigh? You went
to Raleigh Egypt? Okay, see sometime I like the and
she was a cheerleader. Were you in the Were you
in the choir at Raleigh?

Speaker 1 (27:06):
Yes, I was in the gospel choir.

Speaker 6 (27:08):
But can you please tell her she thinks Raleigh and
Fraser are the same thing?

Speaker 1 (27:12):
Will you tell her? That's why she's always no, no, no, no.

Speaker 6 (27:17):
There's a street just like there's a Kayaville Arlington Street.

Speaker 1 (27:21):
That doesn't mean you know it is I tell all
the time. So thank you very much.

Speaker 5 (27:27):
Do not take my black card, don't take my Memphis
Guard and Fraser are not together, are you here?

Speaker 9 (27:36):
Yes?

Speaker 1 (27:36):
Okay, well never mind, we stand from Raleigh, all right.

Speaker 5 (27:41):
We love them both, all right. So today, because Levitre
is an educator and she is a client of mine,
and thank you, Levich. But one of the things I
wanted to talk about is because you've had some very
unique situations with clients, and you've been able to help
them overcome those hurdles and become home owner. Okay, and

(28:01):
so one in which it really is three that had
a really close place in my heart. And so the
first one I want to talk about is you had
an eighty five year old client, eighty five, eighty five,
you all, eighty five, eighty five year old client, and
he could not read and he could barely write. But

(28:22):
tell us about how you made the dream of being
a homeowner come true for one of our elders in
our community.

Speaker 9 (28:28):
Yes, actually my great uncle okay, so he has never
purchased a home. He moved here from New York, so
we kind of, you know, family helping him out or whatever,
But he wanted to purchase his first home. So he
had the credit score, he had the social curity amount,

(28:48):
and he had his ID and he was able to
purchase his first home.

Speaker 5 (28:53):
And what was his credit score?

Speaker 9 (28:55):
Oh, I think he was in the sixth or seventh.

Speaker 5 (28:58):
I think he was in the seventh set.

Speaker 1 (28:59):
And this is you said he was eighty six, No.

Speaker 5 (29:01):
He was eight eighty five.

Speaker 1 (29:03):
Was he retired?

Speaker 2 (29:05):
He is?

Speaker 5 (29:05):
Is he still working?

Speaker 10 (29:06):
No?

Speaker 5 (29:08):
He yeah, he's yeah, he's just so just so that
I'm clear, So eighty five years old, you can still
buy a home.

Speaker 9 (29:16):
It doesn't matter.

Speaker 5 (29:16):
It does not matter. You can't can't read, you can
still buy a home, can still barely can write. You
can still buy a home.

Speaker 1 (29:25):
And you know what, I'm glad she said that because
yesterday we were just talking about that with Priscilla, right,
because somebody asked, do you have to be a certain
aged by No, if you are, you're able to do it,
do it.

Speaker 5 (29:36):
I was at Brown Baptist and this lady said, well,
I thought I was too old to buy a house.
This is the reason why I wanted to tell this story.
And I said, well, how old are you? Fifty five?

Speaker 4 (29:46):
Girl?

Speaker 5 (29:47):
If you don't get out of here. Fifty five old.

Speaker 1 (29:51):
Nos, Yes, that's young.

Speaker 5 (29:53):
You can definitely buy us even at eighty five. You guys,
there is no age limit. I mean this, okay, I
mean there is no age limit to happiness. No, there
is no age limit to making a dream come true.
The lender nor the realtor is gonna say what you
eighty five? You two?

Speaker 2 (30:09):
Oh?

Speaker 5 (30:09):
No, we embraced all ages eighteen or eighty five. So
this particular client did have the credit score, so he
did not have to overcome that hurdle. But don't. But
what I'm bringing up is just because the lack of
education was there does not mean that this man was
not a hard working man. He earned his social Security
and he could utilize his social security as income to

(30:32):
purchase a home. Yes, right, go on.

Speaker 9 (30:35):
And I was gonna say, I really appreciate, appreciate you, Ursula,
because I remember at the closing table, like, okay, y'all
know closings used to be thirty minutes or whatever. But
Ursula one, I mean read every line of the paperwork
for my uncle's every line. We was in there four hours.

(30:55):
Ertuell kept asking him, you want to take a break.
I'm looking at like, no, she keep going, but I
really appreciate that. And she I'm with him signing his name,
slow whatever, take your time. You know then he was
he just got married, just got eighty five.

Speaker 1 (31:13):
You all wait a minute.

Speaker 5 (31:20):
Yeah, I love that.

Speaker 9 (31:23):
Yes, he just got married, just got probably two weeks
before closing.

Speaker 1 (31:28):
I'm curious how old is his wife?

Speaker 9 (31:32):
She I think she's older than him.

Speaker 1 (31:34):
Yeah, I think she was exactly.

Speaker 2 (31:38):
Yeah.

Speaker 9 (31:38):
Yeah, I love a beautiful I mean newly remodeled home.

Speaker 1 (31:43):
Okay, I love that.

Speaker 5 (31:45):
Yes, So age doesn't have a limit for for love
making dreams come true right when you're dealing, when you're
working with your elders and the singers in our community.
Are there any special challenges that we have to take
note of patients patients? Says?

Speaker 9 (32:00):
This would be my biggest thing in just educating them.
And I don't care if you have to tell them
over and over or whatever, or if you got a
like a lot of clients, my older clients, they don't
know like how to do emails, whether you know signing
online or something like that. I will go to them. Right,
you could sign the paper, I will break it down.

(32:21):
I'll read what you signing. You know, but I also
kind of help them. I will help them first to
start an email, teach them about an email. Because the
world we're in it's all Internet.

Speaker 5 (32:32):
So, ladies and gentlemen that are listening, what we're hearing
Levitra say is she has a heart for the elders
that are in our community, be it eighty five, sixty
five or fifty five, some people who feel like they're elderly.
But at the end of the day, I have a
heart for the people, which is why Levitra entrusts her
elders with me, and because I do believe in respecting everyone.

(32:53):
It does not matter if you can read or write,
or you can read or write, I'm gonna treat you
the same as I would treat a press in Obama,
in the same way I'm gonna treat your uncle. You
know what I mean. If we say we have a
heart for the people, that means that we are patient,
we are kind, and we cheat them with respect. So
if you're you know, fifty five, and you feel like
it's too late or eighty five and it's feel like

(33:15):
you're too late, I want you to leave here with
this conversation knowing that you too can make the the
possibility of home ownership of reality. One of the first
steps that Levitra says that we should do is assess
your finances. So what do you mean by we need
to assess our finances?

Speaker 1 (33:31):
Levitra?

Speaker 7 (33:32):
Well, you.

Speaker 2 (33:34):
No.

Speaker 9 (33:35):
My big thing. First I always tell people I always
ask them words or credited because the credit is going
to be the big factor of you achieving home ownership.

Speaker 5 (33:44):
How do they find out where their credit is?

Speaker 9 (33:46):
Oh, a lot of people they go on credit karmel,
but I always teach them credit karma is consumer credit.
Consumer credit is different from a mortgage credit. So if
you're looking at cretit karma, you might as well subtract
four point Yes, it's not accurate to mortgage credit. So
I always tell them go on FCO. I think it's

(34:07):
FIKA two point zero. It's a certain one for the
mortgage of the more that gives.

Speaker 5 (34:12):
You more accurate. Can they call you and you help
them assess and you take them through the website?

Speaker 9 (34:20):
Yes, I actually me and my mortgage broker. A lot
of a lot of people they'll.

Speaker 5 (34:26):
Give you a mortgage broker, shout out, who is your broker?
Genis Brown, Genia? I'm sorry let me. She is the
absolute sweetest and I did meet her through Levitra and
then I met her. She is that that lady right there,
and she believes in helping them.

Speaker 9 (34:44):
So me and Genis. I do most of my ideas
with Genisi because she has the same kind of heart
as me. So, you know, a lot of people, they'll
come to us their credit is not up to park,
so we'll work with them. She even she'll pull their credit.
She'll do a soft pool. She'll tell them they need
to pay off something or what they need to do.
She even helped write letters. She'll call the credit people

(35:04):
for them, acting like she they sister, right, oh, you know,
just teaching them instead of just throwing them to the side,
because I've had other lendas like okay that did ratil
too high instead of educating them.

Speaker 5 (35:16):
So so she takes her time and edge of yes. Yeah.
The second step is to call your agent Levitra. Right,
you know that because you're an experience, you understand people need,
you understand the market. What number if they do want
to call you.

Speaker 9 (35:31):
It would be nine zero one two nine seven six
nine three two two nine seven six nine three two.

Speaker 5 (35:40):
And then their third step. So once they assess their finances.
They know that you know they've called you to look
at their credit. They know that their credit is solid.
They work with you in Genisia to get it up
the park. They call you as their agent. Then then
after that they get a what a preapproval.

Speaker 9 (35:58):
Yeah, pre approved ones Jeanne still get them where they
need to be to purchase a home. But then I
also tell them if they once they get ready, I'll
help them go take a home buyers class. So, once
they take this home buyers class, most of my people
go to the phrase of CDC, so they'll get a
certificate for damn payment assistance.

Speaker 5 (36:18):
So, so assess their finances, call you, they'll get pre approval,
and during their pre approval process, you're going to take
them through at actual home buyer class where they get
a certificate and then they can get down payment assistance. So, Monika,
we were talking about the eighty five year old elder
in our community. He just got married. I think it's

(36:41):
safe to say they're not going to have any more
children at this stage. And so what about as far
as you know, we're talking about getting a home and
getting creating a legacy. How do they secure that legacy
at eighty five.

Speaker 6 (36:58):
This is this is one Jernie Woods that I would
definitely say must absolutely must have an estate plan and
needs to do it quickly.

Speaker 1 (37:09):
And here's why. Number One, he's eighty five years old.

Speaker 6 (37:13):
That means he's already advanced in age, and you know,
things can happen. There's a possibility that he can later
go into a long term healthcare facility, and you want
to make sure that we shield the home from any leans,
from any medical liens.

Speaker 1 (37:32):
That's number one.

Speaker 6 (37:34):
Number Two, he's recently married, so it's very important to
understand what his wishes are with regards to that home
that he just purchased, and if he wants his spouse
to remain there for her life and then maybe give
that to his children. Why is that important to hear
what he wants now and to put it in writing now,

(37:56):
because again, as we're advancing in age, there is a
potential and it is a real thing because I see
it and I have to report it.

Speaker 1 (38:07):
But elder abuse is a real.

Speaker 6 (38:09):
Thing, and we don't want anyone taking advantage of him,
you know, getting him to sign a document that transfers
his house to them. You know, we've heard stories like that.
So now that we're in this happy place and he's
purchased this new home, it's very, very important that we
put a plan together. I would probably recommend putting his

(38:33):
home in a trust and having a complete estate plan
with regard to who he wants to receive that property
when when he passes away. And then I'll say this
because we get a lot of questions about but he
has a loan on the property, he has a mortgage.

Speaker 5 (38:48):
It's not his it.

Speaker 6 (38:51):
He will be Whatever equity he has in that home,
whatever rights he has in that home will transfer to
his beneficiary, so regardless to the fact that there is
a mortgage. I don't want that to discourage individuals, but yes,
he is one person in particular, and then two and
then lastly, we always talk about when there are subsequentment,

(39:16):
when there are multiple marriages or you know, children from
other marriages. This is a prime case where you have
two individuals who have come together later in life and
they may have some other assets, some other children. It's
very important that we get their wishes in writing immediately.

Speaker 5 (39:38):
I think that that's really smart. Whenever you're creating a
legacy for your family, to secure it. So thank you
for sharing attorney justice. All right, so Levitra back to
the scenarios that kind of touched you know, touched my heart.
So we also had another client. Now, this one is
interesting and I love to talk about it because people

(39:59):
do not I believe this when I tell them. But
the number one thing I want to share with people
is is that if you're in an active bankruptcy, you
can you can buy a home. So the dream of
being a homeowner is possible even if you found bankruptcy.
So with that said, tell us about the situation where

(40:22):
you had a client who had how many previous bankruptcies?
Team said, one more time, fourteen bankruptcy. They had fourteen
previous bankruptcies and one active and this is a single father, Yes,
and he had the opportunity to become a home owner.

(40:42):
So tell us about how that happened.

Speaker 9 (40:44):
Yes, okay, So my client he was trying to purchase
the home that he was renting, but the owner she
was not trying to help fix up nothing, give no
credits or nothing like that. So I was like, okay,
let's keep it moving. So he with his active bankruptcy,
he just you know, with his attorney, they took him

(41:05):
to court. The judge granted him, you know, the permission
to purchase a home. He showed him the contract everything
with him being approved. So the judge was like, he
could purchase a home. So we ended up finding another
home for him and his kids. And actually GENIEA was
helping him at first, but the lender was giving her

(41:28):
a hard time. So we actually ended up linking with
Oh what's her name, I can't even think. I think
it's Erling Erlen, Yes, So we ended up talking to
Earling and then it was crazy you don't know this part, okay,
So we end up collar Preferred and we told them situations.
Somebody in your office looked up his bankruptcies and stuff

(41:49):
like that, and somebody made a phone call. Yeah, they
made a phone called Arline and she was like, I
got it, Yes, we could do it.

Speaker 1 (41:57):
Yep.

Speaker 9 (41:57):
So Jiz by not giving up even and you know, Denisia,
she wants to you know, over no more, but us
just helping him and not giving up. We call Preferred,
call Earling and we end up getting him.

Speaker 5 (42:10):
Earlene shout out to Earlene Aldred. She's a consonant professional,
meaning that her communication is on point. Her perseverance and
she does not quit much like Levitra. You know, she's
gonna stay with it. And she's super professional and she
don't play. She know how to say, girl, of you
don't going on and send it to me. So but
the dream of home ownership is real, even though somebody

(42:31):
has had some serious financial challenges. Just to break down
the steps just a little a little bit, we will
do that when.

Speaker 1 (42:38):
When we come back.

Speaker 7 (42:42):
I like how you do that.

Speaker 1 (42:43):
We will break down the steps when we come back.
We are talking good, good, good information today. The sisters
are in the house, Attorney Ursula Woods, Attorney Monika Johnson,
and Levitra Steward, who is a real estate broker. She
is here. We are talking with her. And also when
we come back, before we break down the steps, Attorney Monique,

(43:06):
I have a question for you that I was reading
my email. So we'll get that question to you, all right,
as we get ready to go to the other side
of the Bev Johnson Show right here on double d Ia.

Speaker 8 (43:22):
Whether you're in Arkansas, Tennessee, or Mississippi on Facebook, Twitter,
or Instagram, thank you for listening to The Bev Johnson
Show on doub d Ia Memphis.

Speaker 3 (43:33):
The Bev Johnson show bell justin show bell to time

(44:15):
with this talking and home away.

Speaker 1 (44:20):
How are you go?

Speaker 2 (44:21):
You go?

Speaker 3 (44:22):
Son't getting ready.

Speaker 1 (44:25):
In time.

Speaker 4 (44:27):
Show show Let's go belln't will make your day by
herero t you d.

Speaker 3 (44:40):
Listen to what to say? You know it's time of
the bell just show, time of the beuntain show y
let's go.

Speaker 1 (44:51):
We are rocking and rolling on this Wednesday, Juna loveth
twenty twenty five. As we ask the experts attorney ear
was attorney Monika Johnson and Levitra Stewart. Is here hold on,
we will get back to the experts twelve fourteen in
the city.

Speaker 5 (45:11):
Yeah it is.

Speaker 1 (45:11):
Well, it's lunchtime somewhere across the world, but here Memphis,
it's lunchtime. That means you need to head over to
my favorite place. I'm talking about the rock and Chair
of Memphis. Y'all know it fifteen forty two Elvis Presley,
where we rock with the best soul food in town,
best entertainment around. I stopped there Sunday after church. Well yeah,

(45:34):
we stopped there to have little refreshments. But they're rocking
up there in the rocking chair. Get all that good
old soul food and refreshments as well as well as
vegetables and desserts. You can dine in or you can
take out. Nine zero one four two, five, five two

(45:55):
six four nine zero one four two five, five two
six four. Yeah, I'm gonna tell you I love those margaritas.
What's up Mia? What's up Vika? They know how to sisters,
they know how to make the margaritas at the Rocking Chair.
I love those margaritas. But they Yeah, they have some
good soul food as well. It's Wednesday, that means it's

(46:16):
Carrie OK Wednesday tonight. You think you can sing well?
Coming out and join DJ E b T for karaoke tonight.
Doors open up at six o'clock and if you want
to dine eleven to five today Monday, Wednesday, Thursday, Friday,
Saturday and Sunday at the rock and Chair, but karaoke

(46:38):
tonight at the Rocking Chair. So head on over to
the Rocking Chair of Memphis. Fifteen forty two Elvis Presley,
where we rock with the best entertainment in town, best
so soul soul food around fifteen forty two Elvis Presley.
Dine in or take out nine zero one four two,

(46:59):
five four nine zero one four, two five, five, two
sixty four. When you go there, y'all tell them about
Johnson sent you to the rocking Chair of Memphis and

(47:20):
welcome back, ladies. We're going to the phone line and
talk to our sister friend.

Speaker 10 (47:25):
Miss and hey, miss Anne, Hello, bever Elane Johnson. That's
shoe Beata.

Speaker 1 (47:31):
Hey, hey, miss Anne.

Speaker 10 (47:33):
I'm good. I have a question Bia turning Monika, Yes,
ma'am turning Monica. How oh, I'm sorry y'all to give
him my man this good afternoon to your dish.

Speaker 1 (47:44):
Good afternoon, good afternoon, and I hope you're doing well.

Speaker 10 (47:46):
And I'm wonderful God is still keeping it. Baby's wonderful.

Speaker 1 (47:51):
Yes, ma'am, Yes, ma'am, Yes, ma'am.

Speaker 7 (47:53):
Beer here all right, that's great.

Speaker 8 (47:55):
I know Monika, Yes.

Speaker 1 (47:57):
Good afternoon. Miss Anne.

Speaker 10 (47:59):
How are you a one that could and hope you
are the same question for you. Yes, If someone is
considering doing a reverse mortgage, do you have any one
you could recommend for them to talk to?

Speaker 1 (48:15):
Do you have a mortgage company that assists with this?

Speaker 6 (48:21):
Is this is going to be more of an attorney
Woods question on the reverse mortgage because it relates to
potentially refinancing your homes. So she's gonna talk to you.

Speaker 5 (48:35):
She has a few questions, all right, So okay, so
on the so here, let's talk about reverse mortgages. Let's
first talk about what is a reverse mortgage. A reverse
mortgage is when you own your home free and clear,
free and clear, and in return, what you want to
do then is refinance at home so that you can

(48:56):
pull out the equity in that home. Well, the issue
with that is going to be the issue with getting
a reverse mortgage is whether that particular home is worth
a reverse mortgage. Okay, to unpack that, we must first
consider what is the current value of the home, because

(49:17):
you may be better off either selling the home and
getting the money from the sell of the home and
purchasing another home cash, or you may be better off
refinancing a home outright and receiving all of the all
of the money the value of the home and just

(49:38):
repaying it back with the money that you're borrowing. Right.
That is something that really needs to be analyzed and
analyzed carefully. And the reason why I'm not just going
to give you someone who can do a reverse mortgage
is because I don't want anyone to take advantage of you.

Speaker 7 (49:55):
Okay, okay, so.

Speaker 5 (49:57):
I would highly recommend give me a call. I'm not
mortgage person, so I'm definitely not about to take advantage
of you. But I am going to listen to your
concerns personally and then share a number with you. As
far as what direction you should go in, it's gonna
be ultimately your decision. So if you say no, I
already know and I want to reverse, I'm gonna give
you a referral for the reverse mortgage people. But what
I do want to do is have a discussion. So

(50:19):
if it's okay, if I share my telephone number, give
me a call. We'll just strategize together and I'll give
you a recommendation.

Speaker 10 (50:26):
Is that okay, okay, thank you so much.

Speaker 5 (50:28):
All right, let me know when you're ready, and I'll
give you my my office number. I'm ready, all right,
It's airy code nine zero one five four to one help.
That's five four to one help. So that's five four
one four to three five seven five seven five four

(50:50):
one four three five seven Okay.

Speaker 10 (50:53):
I'm trying to thanks so much, thank you, thank you
for saying bye bye.

Speaker 1 (51:00):
Let me get these emails before you all can continue
and so you can, I guess reach her. The email
is for turn On. Monika wanted to know when you
talk about trust, what is the difference between a trust
versus a whell and which is better? That is a
great question the difference between the two.

Speaker 6 (51:23):
A whell is a written document that you execute while
you're living, while you're in sound mind and you're over
the age of eighteen, and it meets all the other
legal requirements.

Speaker 1 (51:39):
It is a document that.

Speaker 6 (51:40):
You execute while you're living that gives instructions for when
you pass away on how to distribute your assets.

Speaker 1 (51:50):
Wills are very important because I had a situation.

Speaker 6 (51:55):
I actually traveled to Dyer County, Tennessee yesterday to probate
a will of a lady who adopted adorter.

Speaker 1 (52:07):
She had two adult.

Speaker 6 (52:09):
Children who she did not want to leave an inheritance too,
and it was if she did not have a will,
those two adult children would have been part inheritance, inheritor
or an heir to her estate. She was very clear
that due to some substance abuse issues and just you

(52:32):
know the distance, she did not want them. So a
will is important if you know that your wishes are
going to be different than what state law would say,
so you want to make sure you say it in
writing while you're living.

Speaker 1 (52:48):
That is a will.

Speaker 6 (52:49):
But a will, you know, is just a written document
that sits on the shelf until you pass away, and
then that written document is probated.

Speaker 1 (52:59):
And what that means is it is authenticated.

Speaker 6 (53:03):
Right the judge looks at it, make sure it meets
the requirements and says, okay, now we're gonna do We're
gonna give this property to just the one daughter instead
of all three of the children.

Speaker 5 (53:13):
And you have that right.

Speaker 1 (53:14):
These are your assets.

Speaker 5 (53:16):
Okay.

Speaker 1 (53:16):
So that is a will. A trust is different. A trust.
The moment that you sign it becomes a living, breathing entity.
It can work as much as you want it to
work for you.

Speaker 6 (53:28):
You can buy assets like you can with a company,
like you can as an individual. It is a legal
entity that will allow you to purchase assets, hold things there.

Speaker 1 (53:42):
Why do people compare a will to a trust because
a trust.

Speaker 6 (53:48):
More often is one is what we call a grant
towards trust the person who created it, and so at
that person's passing or death, then more often than not,
his assets are distributed. So it's another way that you
can distribute assets to your loved ones when they pass away,

(54:09):
and it doesn't have to be based on state law.
That's why people compare them. Trust could be important. If
you have young minor children that you want to leave
your entire estate to, you will have some legal problems
doing that because children can't inherit, So then there'd have

(54:31):
to be a guardianship and a trustee and all of
these things. So you want to make sure that you
make it clear who you want to be guardian of
your children when you're no longer here, and who's going
to manage their money because they're not old enough to
manage it yet.

Speaker 1 (54:47):
So a trust will allow you to structure that.

Speaker 6 (54:53):
Over time versus a will, and you can have you know,
what we call testimonity re trust inside of a whell.
But a will just distributes the assets outright, okay, and
a trust you may need it distributed over time because
you have young people, young children, or for whatever reason.

(55:13):
So a will is a document that sits on the
shelf you created. It distributes your assets. A trust is
a living, breathing entity that you hold assets in that
can then go to your heirs.

Speaker 1 (55:27):
I hope that helps Beth all right. The next email
question is high attorneys. They wanted to know that do
you handle cases where someone is fired wrongfully on their job.
My sister in law was fired from her job of
ten years last month. They called her over the phone
to fire her and the reason was personal involving another employee.

(55:50):
She did not receive any warning or separation papers. How
or who can she speak with concerning this matter?

Speaker 2 (55:57):
No?

Speaker 5 (55:58):
First off, men them for trying to get some assistance
with this. So I want to explain to people in
the state of Tennessee, this is an at will state.
So people can fire you for any reason. No one
has to give you an explanation or reason. Yeah, you're
at will. You can fire somebody, you know because today
is Wednesday, but you cannot discriminate. You know, you cannot discriminate.

(56:19):
So with that said, who do you suggest the Nadi
the Dnadi Law Firm. I have no affiliation, no kickbags,
just sharing their staple in our community. I definitely believe
in going local. Their respectable firm and they respect their clients.
D n Ati the da Nadi Law Firm, Attorney Johnson,
did you have something to add?

Speaker 1 (56:39):
Yeah, I was gonna say yes. Tennessee is an at
will state.

Speaker 6 (56:44):
That means each of our employees are employed at at
the will of the employer. However, the employers still cannot
terminate for illegal reasons because you because you need an accommodation,
you know, or for your disability, or because he really

(57:07):
doesn't like women, or because you're getting too old.

Speaker 1 (57:12):
You know, those are reasons. You're pregnant, you know.

Speaker 6 (57:16):
So Yes, Tennessee is an at will state, and an
employer can terminate you for any reason except.

Speaker 1 (57:24):
For an illegal reason.

Speaker 10 (57:26):
Ok.

Speaker 1 (57:27):
Okay, and this last one and then I'll let you
get back through it, says Hi. Attorneys and bed thank
you so much. You all are angels. Because of you,
I am working with seth Okay at Alsey Ball wrote,
I have terrible credit and under bankruptcy chapter thirteen. I
can file a chapter seven thanks to you, I am working.

(57:48):
I am going to buy me a house. It might
take a couple of years, and that is okay. I'm
in a home buyer's class now. Yeah, sorry, my email
is long. I called attorney Wood but she could not
help me at this point. But the lady I spoke
to was very very nice. I thank you all for
helping me to open this door to buying a home.

(58:08):
I love you, ladies, I love you and I love Wdia.
Thank you.

Speaker 5 (58:13):
So a blessing to be able to hear yes, this
is a community outreach. We want to empower people. So
that's a good thing to know that we have accomplished that.

Speaker 1 (58:22):
Gold good good, All right, sister.

Speaker 5 (58:25):
All right. So our next scenario with miss Levitrice Stewart
with Century twenty one Patterson, she we had another client.
So we talked about our eighty five year old client
who was a first time home owner and Levitro was
patient with him through that process. We made it happen.

(58:48):
Attorney Johnson came in and told us about how they
definitely need a will because our eighty five year old
has recently gotten married as well. We even talked about
our bankruptcy client who had fourteen ten, not five, not one,
but fourteen previous bankruptcies and one active Earle and Aldridge
and Levitrice Stewart made it work for them and made

(59:11):
him a home owner in spite of that. And he's
a single father, right, So we got a single dad
who wanted to have a home for his family, and
of course they closed with me hashtag put my name
on your country. But Attorney Johnson, if we have a
single dad that's out there, what are unique situations that
he should look at. He's creating a legacy for his family,

(59:32):
but how does he secure that legacy?

Speaker 6 (59:35):
I think for him the first thing, especially if he
has minor children, and I'm not sure you know of
the reason that he's a single father. He could be divorced,
mom could be deceased, and because of that, I would
the first thing I would say, because the responsibility seems

(59:55):
to appear to rest all on him, is the first
thing he wants to to.

Speaker 1 (01:00:00):
Do is nominate a guardian.

Speaker 5 (01:00:02):
You need to know who.

Speaker 6 (01:00:04):
You need to state who you want to be responsible
for your children in the event something happens to you, period.
And the only way that you can nominate a guardian
for your minor children is by creating an estate plan.
You can either do that in a will or a

(01:00:24):
trust or a power of attorney, but you definitely definitely
need to nominate a guardian for any minor children. In
addition to that, I would say, you know, with having children,
you may have different wishes for your children depending on

(01:00:44):
where they are in life. You may have a child
who is already an adult established. You've given them their
inheritance to start their business while they were living, so
you may not necessarily be leaving them as much and
your will as you're leaving your minor children. Well, if
you want to do something like that, you have to

(01:01:06):
design it in that way because if you don't, what
happens is my single father passes away and his four
Oh I was going to say fourteen children, but that
was fourteen bankruptcyes.

Speaker 1 (01:01:20):
We're gonna say that he has four children.

Speaker 6 (01:01:22):
Okay, Yeah, arguably, and those four children would just inherit equally,
whether they're a minor or not, it could create problems
with needing a guardianship. So again, this is a situation
where having an estate plan and thinking about these things
in advance is very important. And additionally, if that father remarries,

(01:01:45):
he may want to ensure, even with a remarriage, that
his children are protected.

Speaker 1 (01:01:52):
Again, you do all of that with that estate plan
that I'm discussing.

Speaker 5 (01:01:56):
All right, Okay, so we are rocking and Roland I
like this information. I hope it's blessing somebody out there. Levitra.
Now here's the last and final story. We're gonna talk
about Oh, I'm sorry. One thing before we go on
the last story, I want to also go over three
more steps of home ownership. Step one was assess your finances,
look at your credit score, which Levitra can help. Call

(01:02:19):
your agent Levitra, Levitra, what's your number again? Seven six
nine two? Set it again nine zero one two nine
seven six nine three two, And then Levitra's gonna connect
you with Genesia, who's gonna get you started on your
pre approval. Then step forward is to start that home search.

(01:02:40):
Step five, once you find the home, you got to
evaluate the property. And then step six is making that offer.
So what all entels looking for a house, evaluating the
house and making an offer. I don't know how to
do that. I'm just you know, Joe Blow trying to
buy a house. Okay, So how do I go through
steps four through six?

Speaker 9 (01:03:00):
After you get the pre approval? The preapproval is gonna
tell you the amount that you qualify for. So once
you get the pre approval, I will put that in
the MLS system, put all your information in in your
desires and what's the MLS system the multiple lists and
U system. Then all most of the homes that I
listed in Tennessee or when I'm licensing Tennessee, Mississippi.

Speaker 5 (01:03:22):
So all those homes. That's a database. Yeah, it's a
database for everybody to search. And so you put their
desires inside of their and it'll come back with houses.
So if I say I want five bedrooms, I want
a swimming pool, I want to live in Germantown, and
I want to pay one hundred and fifty thousand. So

(01:03:43):
it's also based upon the price of what I can afford.

Speaker 9 (01:03:46):
And so you go straight to my client's email their
phone for they don't have to go online looking on
like Dillo and relative anohing like that. And once they
find a home that they want to look at, it's
in their criteria and I'm sending to me, I'll make
an appointment for us to go see it and if
they like it, and we'll make an offer.

Speaker 5 (01:04:08):
All right, So making an offer, so I hear us
a lot of back and forth and all that. Do I,
as the buyer have to go back and forth or you,
as the realtor, you're the one who's navigating.

Speaker 9 (01:04:18):
I am the negotiatory. I will do the going back
and forth. So with my clients always like them to
know the whole process. I go over the whole offer
with them, the whole contract, you know, putting the contingencies
in there. What we're fighting for. And I'm gonna tell you,
I start at the top, so I won't I won't
six percent close. I want them to pay my commission.

(01:04:40):
I always fight for a home warranty, home warranties.

Speaker 5 (01:04:44):
I love a home warranty. I think a homewaran is big.
And let's talk. Hold on, we rush over that, like
everybody know what is it? Because you and I both
agreed that clients should get a home warranty. Why, I'm
gonna tell why it's important to me, share with everyone.
Why is a home warrant important to you?

Speaker 2 (01:05:01):
To me?

Speaker 9 (01:05:01):
A home warranty is important because when you're first getting
in the house, if something happened, you ain't got I
ain't gonna say you ain't got the money. But you
don't want to deal with a big expense, right, So
with a home warrant.

Speaker 5 (01:05:11):
But what big expense regarding repairs? So a home warranty
covers repairs on the home to like a white hot
water tank, HVAC. You know, different appliances that may break down,
different things that may go on in the home that
your homeowner insurance meaning your hazard insurance doesn't cover it,

(01:05:32):
but your home warranty does. So you feel like it's
important because they're just buying a home and you don't
want them to have those additional expenses.

Speaker 9 (01:05:41):
So with the home warranty, just say the fridge way
to go out. All they have to do is pay
a seventy five dollar service fee. If they can't fix it,
they replace.

Speaker 1 (01:05:50):
It, right.

Speaker 5 (01:05:51):
So, and I think it's important for people to have
a home warranty really and truly because it gives them
peace of mind, you know what I mean. If you're
going from renting and being able to call Joe the
plumber at maintenance office, and you want to kind of
continue that relationship so things will go smoother. So Step one,
assess your finance and call Levitra get your pre approval.

(01:06:14):
She's going to start that home search. You all are
gonna carefully assess each property, and then she's going to
negotiate and make an offer. So tell me about how
we did that, but tell us tell everybody about the
Katrina survivor, but tell them how, you know, like, how
does she even get to Memphis?

Speaker 9 (01:06:30):
Okay. So my client I met through home buying class
at afraid of CDC.

Speaker 5 (01:06:36):
She frasier not today, okay, So she reached.

Speaker 9 (01:06:44):
Down to me and we started the home buying process.
But she is from Katrina. So when the storm happened,
she said she packed up a she left work, packed
up her baby, got on the road and she was
following some other people. She didn't know where she was going,
and she made the wrong term and ended up in Memphis.

(01:07:05):
So this whole situation we.

Speaker 5 (01:07:08):
Wait because it's not just the wrong turn she ended
up in. But she was fatigued, she was tired, and
she was with her kids, and so she decided, wherever
we stopped next, that's it. It's going to be home
for a minute. Yes, I thought that was beautiful. So
the wrong turn ended up being the right turn. Yeah,
you made her cry clothing, yes, but good happy tears.

Speaker 9 (01:07:30):
It was happy tears. So once she got here, she
wanted to buy home. So she looked at her credit.
And this is why I advised people to always monitor
the credit. She looked at her credit and found out
her identity was stolen, so she had a credit score
of four hundred or something. She disputed it and it
went up to eight o five and she was able

(01:07:52):
to purchase her first home and she is resigned here
in Memphis, So yeah, so.

Speaker 5 (01:07:59):
Were you with They were able to make she was
able to overcome being displaced from Katrina, being able to
move here to Memphis, the wrong turn, having identity that
once you get to a new city and you talk
about not quitting and then she found you and then
she made it possible. Did she have children?

Speaker 9 (01:08:18):
Yes, she did. She got two chids.

Speaker 5 (01:08:20):
So two kids? Was this her first home? I couldn't
remember home? Why I make her cry? What did what
I did?

Speaker 9 (01:08:25):
What I do forget? So you know you always asked
for her testimony? Oh so yeah, So she got to
talking about it, but she was like, she really appreciate us,
and you know.

Speaker 5 (01:08:39):
You know what, when you purchase a home, in my opinion,
it's one of those things that you have to absolutely celebrate.
It's so easy we skip over our wins. And today
in our in our weekly meeting with my team, I
made sure we went over everybody's win for the week,
even if it's just waking up for the day. To
make you pause and appreciate the blessings that you do

(01:09:01):
have so with her, and like others, I pause in
the say, let's celebrate the fact that you have crossed
the finish line. You are now a homeowner. So Monica,
we have someone who.

Speaker 1 (01:09:13):
Has before you. Get Monica, that's great, that's all right,
all right, right, yeah, yeah, let's pay some bills here, okay,
but good information.

Speaker 8 (01:09:23):
I love it.

Speaker 1 (01:09:23):
Attorney Ursula Woods is here, Attorney Monika Johnson, Levitra Stewart
is here. She's a real estate broker. If you have
a question or two for the ladies, it's your turn
to talk. Nine zero one five three five, nine three
four two eight hundred five zero three nine three four
two eight three three five three five nine three four

(01:09:46):
two will get you in to us. You're listening to
double d I A.

Speaker 8 (01:09:53):
Don't go away the Bev Johnson Schill returns after these
messages the BEV J. Just you're listening to the BEV

(01:10:54):
Johnson Show. Here's Bev Johnson and.

Speaker 1 (01:10:57):
We're talking with the experts. Attorney Ursula was Attorney Monika
Johnson and Levitra Stewart and Attorney Ursula. Now you can
finish alrighty.

Speaker 5 (01:11:06):
So we were talking about one of my favorite clients
who was a survivor of Katrina and who took the
wrong turn which ended up being the right turn to
be here in Memphis, Tennessee. And how Levitra was very
patient with her process. She had suffered from having been
the victim of identity theft, but she was able to
rebuild her credit. Levitre had resources for her and then

(01:11:30):
she was able to purchase a home and make it
make her dream a reality. She assessed her finances, she
called Levitra, she got pre approved, She started her home storg,
she evaluated properties, Levitra made the offer, and then Levitra.
After making an offer, now it's time for your step seven.
So what do they do at step seven of the

(01:11:52):
home buying process?

Speaker 9 (01:11:53):
Once the offer get accepted, we started what we call
due diligence, So we'll do the inspections in appraisal and
I highly highly recommend doing a home inspection.

Speaker 5 (01:12:06):
Okay, what does that mean?

Speaker 9 (01:12:07):
A home aspection? So I have home inspectors that I
have vetted, so they come out. You paid the home
inspect that they come out and they check the house
from the top to the bottom. So it's stuff that
we cannot see with the with your naked eye, So
from the roof to the HVAC system to the floor,
I mean everything.

Speaker 5 (01:12:29):
So they go in and they look to make sure
that the outlets work, to make sure that the water
is running running, to make sure that the plumbing is
not leaking to the visible eye, to make sure that's
Some inspectors who do climb roofs, they get up there.
I know Lloyd Allen does. I just met him. I
met him several times, but I talked to him at

(01:12:50):
the Brown Baptist Home Buyer seminar this summer, I mean
this weekend, and he talked about getting on the roof
to look at the condition of the roof. So they
go in to make sure that the house is up
to park. Now, then that's a home inspection. Then you
have an appraisal, right an appraiser. Appraiser goes out and
they just give you the value of the home compared

(01:13:12):
to the other homes that are like and similar in
that particular neighborhood. But you always advocate for your client
to have a home inspection to let them know the condition.

Speaker 9 (01:13:22):
Because with the home inspection, once we get it back own,
me and my client will go over it and then
we'll write up a repair amendment, so things that we
know that they need to repair, will send it to
the seller and ask them repaired. And because half the
time will need to be repaired, the appraisal gonna flag
it anyway, and you're gonna have to prepare it anyway,

(01:13:44):
especially going like FHA or VA.

Speaker 5 (01:13:47):
FAHA is a type of loan meaning that the government
backs your loan. VA means that the veteran exactly what
you think it means. It means that you served our country,
which we thank you for and as a result, you
get spas shield consideration and rates as AVA if you
use your VA benefits. So you go through the inspection,
you go through the appraisal, and then it's closing day.

(01:14:09):
So how long does it take from that step one
when they're calling you assessing their financing to actually closing date?
Is that something that may take a year, six months,
six weeks? How long does that take anywhere?

Speaker 9 (01:14:22):
From the shortest time I've closed is twenty days. Most
of them be like thirty.

Speaker 5 (01:14:28):
So twenty to thirty days, so in about a month,
you can have your whole life together. So if they
call you today, they could be in a home before
school starts. In September years US is.

Speaker 9 (01:14:40):
The best time to purchase a home. So when school starts,
you be settled.

Speaker 5 (01:14:44):
Yeah, you know the kids and why what makes you
different Levitra than other agents?

Speaker 9 (01:14:48):
And I'm patient educated, I love educating people, own respectful,
hard work. I go hard for my client.

Speaker 5 (01:14:57):
And you're sweet, you're nice. The customer service is there, yes,
and then after you call of Beatri, you work with her.
Then it's closing day. It's time for you to sign
and pay for work, complete your transaction and receive the keys.
So that's my time, Nashine. So when you are looking
for a house, and when you're trying to buy a house,

(01:15:19):
you wanted to close an attorney that has experience, that
breaks things down in a way in which you can understand,
that's respectful of your situation, and that also has a
little fight in them because sometimes I have to give pushbacks,
sometimes I have to give persuasive arguments, and sometimes we
even have to litigate. So it doesn't matter if you're
eighty five years old and this is your first time home,

(01:15:42):
or if you had fourteen previous bankruptcies one active, or
you're a Katrina survivor and you made a wrong term,
but it was right because here in Memphis, I can
take care of you. I have over twenty years of
experience as a real estate attorney. I love what I do,
and I do what I love and then aft. So
when it's time for you to put that name on

(01:16:02):
the contract as to who your closing attorney are, who
your closing attorney is, you can always let them know
that you want. Ursula Woods were preferred title and escrow
Ursula Woods were preferred title. So Attorney Johnson. After someone
buys a home, we talked about specific scenarios. What do
you think is that a time for them to begin
their at state planning? And why is it the perfect

(01:16:24):
time when they purchase a home for them to start
their estate planning.

Speaker 6 (01:16:28):
Because the truth is a home is probably one of
the biggest assets that you would purchase in a lifetime.
It is generally that asset that you want to leave
for your children or your children's children. And because of that,

(01:16:50):
whenever you purchase a home and their real estate is
a little bit different from other assets.

Speaker 5 (01:16:55):
That you might have.

Speaker 6 (01:16:56):
And so because it's a land right, and so whenever
you purchase a home, I think it's important to think
about securing that home for future generations. However that may
be if you are in a blended family having that
conversation about how you would like, you know, to see

(01:17:19):
the property be. Some people say, I don't want the
property ever sold. I don't want to split up.

Speaker 1 (01:17:24):
You may be in need of a.

Speaker 6 (01:17:26):
Trust and a trustee, and then your beneficiaries may get
payments quarterly. I mean there, it's very important that you
discuss what your wishes are with your attorney so that
that attorney can plan or assist you in designing a

(01:17:46):
plan that would meet your needs. And it couldn't be
more important than when you purchase the home.

Speaker 5 (01:17:53):
I absolutely agree things guys for listening to us today.

Speaker 1 (01:18:00):
We go to our phone line.

Speaker 5 (01:18:01):
Absolutely yeah, I love that w D I a high caller.

Speaker 7 (01:18:07):
Hello, Hi on the air.

Speaker 1 (01:18:09):
Yes we can.

Speaker 7 (01:18:12):
Okay, I have a question.

Speaker 1 (01:18:16):
I have.

Speaker 7 (01:18:18):
Probably around a million dollars worth of accesses through a
home jurry, you know, cash in the bank and so forth.
And I did a wheel back some years and years ago.
And the attorney that did the wheel I guess is
no longer practicing because I can't get in contact with

(01:18:38):
that attorney, uh, in no kind of way. So I'm
just not sure I want to update the wheel, but
I'm also leaning toward that since I've accumulated quite a
bit of you know, stuff during that time that would
not be batter if I went with a trust. So
we would have been trying to contact your office and

(01:19:02):
we're not getting against a good answer in terms of
whether or not you can take the current wheels and updated,
or whether or not we need to start with a
brand new wheel, or whether or not we need to
do a trust. So we just kind of at a
point where we want to do business with you or
we need to get something going. I guess where the

(01:19:23):
boar is down to be.

Speaker 6 (01:19:24):
Okay, And thank you so much for your call, sir,
And it's such a good question, and we would love
to do business with you. One of the things that
I'd like to say, because you're not unique in finding
yourself in a situation where an individual's previous attorney may
have passed away, may may have moved to Florida no

(01:19:46):
longer practicing law, and those individuals are, you know, wanting
to update their plans. Please know that a different attorney
I e. Myself, and I would love the opportunity to
work with you, a different attorney can review that document

(01:20:08):
and advise you accordingly.

Speaker 1 (01:20:10):
Based on your current situation.

Speaker 6 (01:20:13):
There's no prohibition for us to review that previous document
because you are no longer that that previous attorney is
no longer employed by you, and so yes, we will.
The first step is actually being able to review the
document that you have in place and getting us a

(01:20:37):
copy of that, and then the second step would be
completing our worksheet because we want to get an idea
of what has changed since that will.

Speaker 1 (01:20:48):
And then when we review that information.

Speaker 6 (01:20:51):
We're actually we will review it together with you and
what we call a consultation, and we would discuss strategy
and what's best, and then from there we will give
you a written proposal regarding your estate plan that you
can agree to. We can modify, but we'll give you

(01:21:11):
something in writing to consider, and then we would draft
those documents for you, whether it be a codicil to
your current will, whether it would be a trust. And
I have to tell you we have to have that
consultation because over the phone, I can't tell you whether
a will or a trust would be better. There are
so many factors that come into play that it would

(01:21:33):
be necessary for us to take all of that into consideration.
And so I'm gonna give you a telephone number if
if you have the ability to text, if you would
just text your name and number, we will immediately get
you in this process. We don't want you waiting, so

(01:21:56):
we will immediately start you on the apps that we
just discussed, and if you're ready, I'm going to give
you that number.

Speaker 1 (01:22:04):
It is textable.

Speaker 6 (01:22:05):
It is nine zero one three three two five zero
six zero zero, and I'm going to encourage you to text.

Speaker 1 (01:22:18):
Your name, your.

Speaker 6 (01:22:20):
Number an email. Okay, we will immediately reach out to
you and call it.

Speaker 1 (01:22:28):
Let and on the text. If you can't, just tall
Attorney Monika that I talked to.

Speaker 5 (01:22:33):
You on those on the air.

Speaker 6 (01:22:34):
Yeah, okay, absolutely, it's nine oh one three two five
zero six zero zero.

Speaker 7 (01:22:44):
Okay, I got it all right, Thank you for listening
forward to it.

Speaker 1 (01:22:49):
Okay, thank you too, Bye bye, Yeah, Attorney Urtually any
other information or anythings we need to do before weeah June.

Speaker 5 (01:22:59):
Team the Juneteenth, we will be at Shelby Farms. It's
just a family gathering for a lot of real estate agents.
So please come out Juneteenth with activities for the families
out there and this Saturday at one eleven Madison, we
are having a day party for all entrepreneurs, business owners,
real estate agents, accountants, any professionals that are out there,

(01:23:22):
please join us. This is a networking event. Please please
please come out to one eleven Madison. That's the name
of the event. It's also the address of one eleven Madison.
So I'll be there at Ursula Woods and I'm trying
to drag out a tourney Monika Johnson, so hopefully she'll
be there and we'll what she does have something going on,
but we were still gonna try to dig for her,

(01:23:43):
to try to get onet her out there, try to
get on the books. Levitra, do you have any fast words.

Speaker 1 (01:23:48):
You would like to say? Last what you say and
then give your information again.

Speaker 9 (01:23:52):
Okay, it was such an honor. I'll be here. I
really appreciate y'all. And my name is Levitre Stewart once
again in real estate broker with Century twenty one Patterson
and Associates. And again my phone number is nine oh
one two nine seven six nine three two, and I
really appreciate you. Thank you for letting me have my

(01:24:13):
daughter Ruerty on the side of me.

Speaker 5 (01:24:16):
Roy tell us you want something that she wants.

Speaker 1 (01:24:21):
To let down there you go. Thank you for letting
me be here.

Speaker 5 (01:24:26):
You're so very well. And we had.

Speaker 6 (01:24:31):
Said at Black History about missus Johnson and Bobby O.

Speaker 5 (01:24:38):
Joy Black History Hall at her school.

Speaker 9 (01:24:46):
Options she did they honored you at her school.

Speaker 1 (01:24:51):
Wow.

Speaker 5 (01:24:55):
And when school give the shout out to give your
school and they honored Bobby O.

Speaker 1 (01:24:59):
J and Bev Johnson del and no option the school
that was beautiful y And and what what what grade
will you be when the school starts fifth? Wow? All right,
sister fifth grade? Well, you study hard? And what what

(01:25:22):
do you want to do when you become an adult?
I want to be a real estate agent.

Speaker 5 (01:25:31):
Do it to you? You're welcome.

Speaker 1 (01:25:36):
Oh I love that. I love that.

Speaker 5 (01:25:38):
I love it.

Speaker 1 (01:25:38):
Attorney mo Nica Johnson. Your last words, well, my last
words are royalty.

Speaker 6 (01:25:43):
Couldn't be more right. It is a blessing to sit
here with history in the making. So you are a
legacy to us. Thank you for allowing us to come
and share personally and professionally. We love you, and I
can't say this is one of this is one of

(01:26:04):
the best things that I do in a day. So
I love when it's BEV day. So thank you for
having us.

Speaker 1 (01:26:09):
You are so welcome.

Speaker 2 (01:26:10):
Man.

Speaker 1 (01:26:10):
I love having you and attorney Ursenla Woods.

Speaker 5 (01:26:14):
If you have a need for wills, estate planning, real estate,
you want to buy, sell a house, If you're in
financial distress where you need to file bankruptcy, or if
you're hurt in an accident, car accident, truck accident, slip
and fall, dog bite, give us a call. If you
hurd call earth hashtag put my name on your contract.
We really and truly do have a heart for the people.

(01:26:36):
My number is nine zero one five four to one. Help.
That's nine zero one five four to one, five four
to one, four three five seven. Meet us at one
eleven Madison, meet us at the rock and Chair. We'll
be at one eleven Madison on Saturday, though, but we
got to get some of that food at rocking Chair.

Speaker 1 (01:26:53):
That's right.

Speaker 5 (01:26:53):
And then last, but certainly not least, I want us
to embrace the sweet spirit of goodbye. Right, Sometimes chapters
have to end professionally and personally, and we want to
embrace the sweet spirit of goodbye. We do not want
to beg not one person to be our friend or
our lover. Do you hear me, raise your head high,

(01:27:15):
know that you are loved. It will hurt, but if
you just hold on to the possibility that this too
shall pass, then you can find peace in your journey
and know that on the other side of this is contentment.
But don't get stuck in that place of wanting, wishing
and hoping that it is anything other than it is,
which means that this clap chapter has ended. So embrace

(01:27:38):
the sweet spirit of goodbye and walk forward in love,
and then that's where your peace will reside. But don't
stay stuck in that place.

Speaker 2 (01:27:45):
I love it.

Speaker 1 (01:27:46):
I love it.

Speaker 5 (01:27:46):
Thank you bell, Thank you ladies. I look forward to
the next time. Yep, we'll be on in a couple
of weeks.

Speaker 1 (01:27:52):
That's right. Thank you so much, Thank you so much.
I want to thank you caller. I want to thank
you listeners for joining us this day on the BEV
Johnson Show. We do, we really do appreciate you. So
until tomorrow, please be safe, keep a cool head, y'all,

(01:28:16):
and don't let anyone still your joy until tomorrow. I'm
Bev Johnson, and y'all keep the faith.

Speaker 5 (01:28:26):
The views and opinions discussed on the Bev Johnson show
are that of the hosts and callers, and not those
of the staff and sponsors of wd IO.