Aug 6, 2026
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
28:15 – Escrow accounts: should you waive yours?
31:35 – What NOT to do before closing (the SSN rule that saves your
loan)
38:43 – Jumbo loans explained
41:10 – ARM loans: when they save you and when they destroy you
45:17 – Assumable mortgages: the buyer's secret weapon right
now
49:29 – How to reach Jordan + free consultation
🔗 FIND JORDAN NUTTER:
📱 Instagram, Facebook, YouTube & TikTok: @anotherhomeloan
💬 Free consultation (no charge for the call): schedule through her
social profiles
📩 CONTACT MARY JO: maryjo@withoutthebank.com
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#mortgage #firsttimehomebuyer #homebuying #withoutthebank #mortgagetips
Audio Production by Podsworth Media - https://podsworth.com