Mortgage Red Flags, ARM Loans, Escrow Accounts, & What NOT to Do Before Closing, with Jordan Nutter (Ep. 281)

Most buyers never see the new construction tax trap coming — until their mortgage jumps $800 overnight. Today we're breaking it all down with no fluff.

Mary Jo Irmen sits down with Jordan Nutter, VP of Creator Collective at NFM Lending, for a deep-dive on exactly what lenders don't volunteer — from hidden fees and escrow traps to what you absolutely cannot do with your Social Security number before closing.

Whether you're buying your first home or your fifth, this episode will change how you approach your next mortgage.

📌 EPISODE BREAKDOWN:

0:00 – Teaser: When a mortgage jumps $800/month

1:45 – Meet Jordan Nutter (VP, NFM Lending)

4:00 – First-Time Homebuyer 101: Is your rent already a mortgage?

7:00 – The new construction tax trap most lenders exploit

11:25 – Hidden lender fees: origination, discount points, what's real

15:00 – How to compare lenders (and pick BEFORE going under contract)

17:00 – Loan servicing & sold mortgages: what happens after you close

22:35 – The Rocket Mortgage & realtor kickback warning