The New Face of Real Estate & Mortgage Fraud—and How to Beat the Scammers

The New Face of Real Estate & Mortgage Fraud—and How to Beat the Scammers

What are the first three things you do the instant you realize you have wired your life savings to a scammer? What do you do if someone steals the title to your home out from under you? Things you can do to protect your credit and property from criminals.

Host #JoGarner #MortgageExpert 901 482-0354
Co-hosts: #ShelleyRothman #realestateclosingattorney and #RobDraughon #closingattorney Griffin, Clift, Everton and Maschmeyer Law Firm 901 752-1133
SUBSCRIBE FOR WEEKLY REAL ESTATE MORTGAGE SHOPPE PODCASTS WITH SHOW NOTES AND PICTURES AT www.JoGarner.com

LET’S GET STARTED…(Jo) (Good morning, Memphis! Welcome to our internet listeners and podcast listeners across the 50 states! . Today is June 27th, 2026. I’m your host, Jo Garner, Mortgage Loan Originator. You can connect with me at www.JoGarner.com. Our general topic: “THE NEW FACE OF REAL ESTATE & MORTGAGE FRAUD-HOW TO BEAT THE SCAMMERS.

Introducing real estate attorney Shelley Rothman of Griffin, Clift, Everton and Maschmeyer

Shelley Rotham, you have been practicing law for over 40 years. You grew up and went to law school in Brooklyn, New York. You been in Tennessee practicing law for many years in residential real estate law, commercial real estate and in the area of contracts. Your claim to fame is that you raised triplets while working full time practicing law and kept your sanity. (Shelley Rothman takes about 45 seconds to intro herself and talk about the services she offers her clients)

(JO) INTRODUCING ROB DRAUGHON, REAL ESTATE ATTORNEY WITH GRIFFIN, CLIFT, EVERTON AND MASCHMEYER LAW FIRM

Rob Draughon, you got your law degree from University of Tennessee Law School in 2007. You also practice law in the areas of residential real estate, commercial and with contracts. You are dedicated to your wife and two young girls and still do a great job closing real estate loans. Rob, take about 45 seconds to introduce yourself and talk about he services you offer.)

HOW TO AVOID LOSING YOUR LIFE SAVINGS IN A MATTER OF SECONDS

You are not alone if you have ever lost your life savings in a matter of seconds. There are plenty of stories over the last 10 years where hard-working, good people have accidentally wired their life-long savings to a scammer in another country when they were trying to make a large down payment to buy their forever home. Did they ever see their money again? Some did and some didn’t.

Today mortgage lenders. realtors and title companies issue warnings to home buyers and people refinancing on what to do and NOT do when it comes time to wire money to the closing table. The Lincolns saw the warnings from their real estate professionals, but in their excitement, right before closing, all they could think about was finally getting to purchase and move into their new forever home. The actual title company had called the Lincolns a couple of days before closing to give them the wiring instructions on where to send their funds to close.

But the afternoon before closing they got a call from someone whose number looked like it was from the title company, instructing them that there was a change in where they were to send their funds. They told the Lincolns it was important that they wire the money quickly using the new instructions otherwise their closing would be delayed. Due to the type of account the Lincoln’s used for their savings, it was the next morning that they wired their life savings to the new wiring address.

They showed up to the title company to close their loan and get the keys to their new home. After all the papers were signed and everyone was shaking hands and celebrating, the attorney asked them when they would be wiring their funds.

“We already wired our funds to you,” the Lincolns exclaimed!

“We never got your money,” the closing attorney informed them. “Where did you wire your funds?”

That is when the frightening truth came out. The Lincolns had ignored the warnings and fallen victim to scammers who had probably seen the Lincoln’s happy social media posts about their upcoming closing and some of the details. Celebration went to frenzy.

As the lender, I was attending this closing. We immediately called their bank, the police and filed a quick report online with the FBI. The person at the bank did not know what to do. We drove to a branch where someone in management could help.

Long story short—the bank manager, with the police report and FBI report was able to stop the transfer within a couple of minutes before it was too late to keep the wire from leaving the country. It took a few days to get the money back to the Lincolns and they had to coming and reclose their transaction.

Here are some quick tips from your mortgage officer on how to protect your sensitive information and your funds to close.

Check reviews on your realtor, your mortgage officer and title company from the Better Business Bureau and other reputable sites.
Watch out for “foreclosure rescues.” Some companies may be legitimate but there are too many stories of people who promise to pay your house note in exchange for renting it back to you until you can get on your feet or until they have the cash to buy it. If it sounds too good to be true, it probably is not all that it appears.
Freeze your credit at the three bureaus can prevent fraudsters from opening credit in your name without you knowing it.
Beware of a mortgage company asking you for larger than normal sums for closing costs up front. Scammers can “spoof” the phone number of a loan officer
Use the mortgage company’s secure online portal for uploading your loan supporting documents to your mortgage dashboard, instead of email.
Call the telephone number for the title company that is listed on your home purchase contract or go to the title office to get the wiring instructions for closing funds.

(Jo) Shelley Rothman and Rob Draughon, we have a few minutes before we go to an ad break. What is YOUR advice on how to avoid fraudsters? (Rob & Shelley have about 4 to 5 minutes before first break to launch into some of their topics)

(Jo) OUTRO: You’re on Real Estate Mortgage Shoppe. I’m your host, Jo Garner, Mortgage Loan Originator. What do YOU want to accomplish with YOUR mortgage? I can make the mortgage process EASY for you with the right mortgage. Connect with me at JoGarner.com When we come back, we will be hearing more from real estate attorneys Shelley Rothman and Rob Draughon of Griffin, Clift, Everton and Maschmeyer. See you back in just a moment.

2nd segment is after first break 8 minutes 50 seconds

( Waaka Waaka song in background ) COMIC QUERIES (you probably already know the answer, but we will ask anyway

(Rob or Shelley) I trace unseen through fields of glass,
And steal your secrets as I pass.
I wear no mask, I break no locks,
But lock your life inside a box.

I fish for words to take the bait,
And change your future, mask your fate.
What am I?

(Rob or Shelley)… A cyberhacker (or ransomware).

Today on Real Estate Mortgage Shoppe we are talking about The New Face of Real Estate & Mortgage Fraud—and How to Beat the Scammers

I’m your host, Jo Garner, Mortgage Loan Originator . For your home purchase or a mortgage refinance you can brag about,. We can find the right mortgage product and make the mortgage process EASY on a traditional mortgage, on special programs and outside-of-the-box mortgage programs too. Connect with me at JoGarner.com

Shelley Rothman, Griffin, Clift, Everton, And Maschmeyer (901) 752-1133
Rob Draughon, Griffin, Clift, Everton, and Maschmeyer 901-752-1133

____________________________________________________________

TOPICS COVERED BY ATTORNEYS SHELLEY ROTHMAN AND ROB DRAUGHON OF GRIFFIN, CLIFT, EVERTON AND MASCHMEYER LAW FIRM

Segment 2 (Real Estate Attorney)

Wire Fraud

Questions:

How does wire fraud typically happen? What tricks do scammers use to convince buyers to wire money?

Emailed wiring instructions have been intercepted by the crooks, changed, and then forwarded to the intended recipient. They also generate their own wiring instructions using the same letterhead as the legitimate company and send those to buyers of real estate. They target the real estate companies, escrow agents, lenders and closing attorneys because of the high volume of transactions and money being transferred.

You may ask, how do they know a wire is going to be sent? They hack into the emails once they leave a secure domain and watch. Most realtors, buyers and sellers do not have the same kind of security and encryption tools we and the lenders have. The crooks watch and wait. If they simply keep an eye on the listings they can see “contract pending” and thus, another potential victim. Wiring instructions should be sent in a secure manner directly from the escrow agent to the party sending the funds with instructions on how to verify them before wiring any money.

Please be aware that scammers spoof email addresses. You may receive an email that appears to be from your lender, closing attorney or agent that really is not from them. Shortly before the scheduled closing, they will send an email saying the company’s account has been changed and to use the attached revised wire instructions. They impart a sense of urgency to the victim. They may say the funds need to be wired immediately or the closing will fall through. Do not fall for that; you should always, without, fail, call the company you are wiring funds to at a number that is NOT on the wiring instructions nor the email.

If someone wires money to the wrong account, can it be recovered? What should someone do within the first hour if they discover the fraud? Who should be contacted immediately?

As soon as you determine or suspect you have been scammed, call the fraud department of the bank from which the funds were sent immediately and notify them. Ask them if they can stop and/or reverse the wire. The next step would be to contact the fraud department of the bank on the receiving end of the wire. You should then notify the FBI IC3 division at www.ic3.gov and file a police report. Immediate action is critical; the chances of the funds being sent out of the country or through numerous banks making it very difficult to track and call back increases with every hour that passes. The funds can be recovered if discovered quickly and action is taken immediately upon discovery.

Are title companies changing how they deliver wiring instructions?

We have been careful in delivering wiring instructions by leaving off part of the account number and using encrypted emails. We instruct the client to call our main office number to verify the instructions and obtain the balance of the account number. Wire fraud is not new; it has been going on for a while. However, as AI improves, the scammers get better at it and we try to stay one step ahead of them.

Practical tip: Always call the title company using a phone number you’ve previously verified—not one in the suspicious email.

Deed Theft

One of the hottest topics today.

What exactly is deed fraud?

There has been an alarming nationwide increase in seller impersonation fraud involving the sale of land, vacant houses and non-owner occupied, unencumbered houses. As you already know, fraudsters are forging deeds and recording them in the land records. From there, they are turning around and selling these properties to third parties or posing as the lawful owner and renting them out to unsuspecting tenants.

Criminals create fake ID, email addresses and VoIP (voice over internet protocol) generated phone numbers and use them to impersonate property owners. They then contact local realtors and perhaps a title company, pose as the property owner, and prepare property-related contracts and information to market and sell the property.

The crooks committing these crimes learn from each success and failure, then modify their scheme. The title companies and the FBI are doing their best to keep up with the various modifications and schemes. Once title companies are made aware of a variation to the existing scams they send us a bulletin telling us what to be on the lookout for and what steps they recommend we take to safeguard the buyers, sellers and our realtors.

Some red flags are that they want a quick sale with a cash buyer, cannot attend closing, are hard to reach via phone, will not meet in person or via video call, and want to use their own notary.

Questions:

What property is most vulnerable? Are elderly homeowners especially at risk?

The most vulnerable properties are vacant parcels of land that are free and clear of any mortgages. Also vulnerable are vacant homes that are unencumbered.

Beneficiary and Heirship properties are vulnerable. Fraudsters look for death notices and obituaries. Then they determine what properties the deceased person owned and check them out to see if they are vacant and have any mortgages on them. They can perceive this as an opportunity to swoop in. I have personally closed on the sale and/or purchase of more inherited properties since the beginning of the pandemic than ever. I have also seen more than my fair share of suspicious Affidavits of Heirship. I’ve had relatives hurry up to file Affidavits that are completely wrong. They’ll claim it was on oversight when questioned, they kind of just forget they had a sibling or that the deceased had a spouse.

We have seen people unrelated to the deceased file Affidavits of Heirship that are completely fraudulent. When working with beneficiaries the same precautions need to be taken to properly identify who the true owners of the property are. We ask a LOT of questions and require quite a bit of documentation when dealing with inherited property. We get death notices, google obituaries and hunt down related parties. Once the crooks realize we will not back off of our requirements and start asking about other relatives they tend to ghost everyone involved at that point.

Everyone is at risk regardless of their age. Property owned by the elderly may appear to be targeted more frequently since they are more likely to be unencumbered.

How can someone periodically check ownership records?

People ask us what precautions they can take to dissuade the fraudsters from trying to steal their unencumbered property. If the register’s office where the property is located offers a service alerting you to the recording of documents with your name on it, sign up for that. If you can access their recordings through their website, check it regularly. If you own a vacant home have your management company or a neighbor keep an eye on it if you cannot personally go there to make sure no one is working on it or living in it without your knowledge. Check the address on line to see if it’s being advertised by sale or rental by anyone. Keep an eye on Craig’s list and websites that contain the private sale or rental of properties. And if something comes up, call an attorney immediately.

Can title insurance help?

Title insurance can help if you are the buyer and you purchase owner’s title insurance. Generally speaking, if it is determined that you are the victim of seller impersonation the title company should be notified immediately and a claim can be made on that policy. I handled one matter where the purchaser’s seller was allegedly legit but the prior seller was not the true owner of the property. The purchaser I represented on that claim ended up being paid for the full insured value of the title policy.

What happens if someone discovers their property has been fraudulently transferred?

If you discover your property has been fraudulently transferred you should contact a real estate attorney as soon as possible. There are steps that can be taken and they vary according to the location, exact situation and circumstances of the transfer.

Mortgage angle:

Can a fraudster actually borrow against stolen property?

It has been done in the same manner and using the same fraudulent identification and information that the fraudsters use to sell property. A savvy, experienced lender will recognize red flags or just get a “gut” feeling about it, ask a lot of questions and further investigate it.

How do lenders verify ownership?

The lenders rely on the title companies and attorneys to see how the property is titled. The lender does not vet out sellers. However, if the owner is getting a loan to refinance the property the lenders have tools available to them to verify their customers identity and the closing agent or attorney also takes steps to verify who they are closing with. Again, an experienced lender will recognize red flags and act accordingly.

Red Flags

“Red Flags” Lightning Round

“The seller wants you to wire money immediately.”
“The email address has one letter changed.”
“Someone tells you not to call.”
“You receive new wiring instructions the night before closing.”
“Someone pressures you to act quickly.”

Each answer:
STOP. VERIFY. DON’T SEND MONEY.

Advice to Stay Safe

Check your property records annually.
Purchase owner’s title insurance.
Never sign documents you don’t understand.
Report suspicious activity immediately.
Keep copies of all closing documents.

Listener Call-to-Action

“Your home is likely your largest financial investment. Criminals are becoming more sophisticated, but knowledge is your best defense. Before you wire money, sign documents, or respond to unexpected requests, stop, verify, and ask questions. A five-minute phone call could save you thousands—or even protect your home.”

3^RD SEGMENT 12 minutes

( Small Victories Song playing in background)

For Did You Know today…(see if you can guess the answer before we do)

(Shelley) QUESTION: What famous house in Memphis, TN was almost stolen recently by a fraudster?

(Jo Garner) Hint: The property was put up for auction. The auction was blocked at the last second when a Memphis judge ruled the paperwork a complete fraud. Days later, a self-declared member of a Nigerian-based scam network emailed The New York Times, boasting that they target the dead and the elderly daily. The scammer admitted they purely targeted the iconic home to squeeze a quick $2.85 million settlement out of the legitimate owner’s estate to quietly walk away with the money. The fraudster openly confessed to the media: “We figure out how to steal.

What is the name of the iconic property that almost got stolen?
(Rob Draughon) ANSWER: Elvis Presley’s Graceland

Today on Real Estate Mortgage Shoppe we are talking about The New Face of Real Estate & Mortgage Fraud—and How to Beat the Scammers

Shelley Rothman, Griffin, Clift, Everton, And Maschmeyer (901) 752-1133
Rob Draughon, Griffin, Clift, Everton, and Maschmeyer 901-752-1133

TOPICS COVERED BY JO GARNER, LICENSED MORTGAGE OFFICER

What are some common mortgage fraud types and how does this affect you?

Watch out for foreclosure relief offers. There may be some legitimate ones out there but it is the bad ones that can make your situation, not better, but worse. If you are struggling to make your mortgage payments and don’t want to go into foreclosure, you can call 888-995-HOPE to talk with HUD-certified counselors.

Identity Theft when someone fraudulently uses your ID and credit to get a loan secured on a home. One way to lower the chance of this happening, is to sign up for credit monitoring. Put a freeze on your credit profile with the credit bureaus. Check your credit at www.annualcreditreport.com annually.

Title Fraud- when someone fraudulently transfers title in your home to their name. Sign up for title monitoring offered through some county register offices.

Watch out for scammy mailers that make it appear it is from your mortgage company, realtor or title company. This scammy mailers are almost always trying to get you to buy something you don’t need. Sometimes they are trying to sell you your warranty deed, which you already have a copy you got at closing. They will try to sell you prepayment to principle plan. You can prepay your mortgage yourself without any fees.

Common Questions

How do lenders verify ownership? Title work from a reputable title closing agency
How often do lenders see identity theft? More often than you think.
Can someone use another person’s identity to obtain a mortgage?
Yes. Identity theft for housing occurs when criminals use stolen Social Security numbers, fabricated tax returns, or fake IDs to qualify for a loan the thief normally could not secure.
Should people freeze their credit? Yes, freezing your credit is one of the most highly recommended actions to prevent scammers from opening unauthorized accounts or loans in your name. It is completely free, does not lower your credit score, and you can temporarily lift or “thaw” the freeze when you need a lender to check your credit.
How often should consumers check their credit reports? Once a year you can check your credit free at www.annualcreditreport.com

Mortgage advice, when sending your sensitive documents to the lender :

Secure portals
Encrypted documents
Multi-factor authentication
with their lender?

Story of customer who had someone out of state fraudulently file a judgement against him for over $10,000. He had to work with an attorney to get it removed. It takes a lot of time to go through the process.

How often do lenders see identity theft? More often than you think.
Can someone use another person’s identity to obtain a mortgage?
Yes. Identity theft for housing occurs when criminals use stolen Social Security numbers, fabricated tax returns, or fake IDs to qualify for a loan the thief normally could not secure.
Should people freeze their credit? Yes, freezing your credit is one of the most highly recommended actions to prevent scammers from opening unauthorized accounts or loans in your name. It is completely free, does not lower your credit score, and you can temporarily lift or “thaw” the freeze when you need a lender to check your credit.
How often should consumers check their credit reports? Once a year you can check your credit free at www.annualcreditreport.com

Mortgage advice, when sending your sensitive documents to the lender :

Secure portals
Encrypted documents
Multi-factor authentication
with their lender?

Mortgage tip: “If you ever receive wiring instructions by email or text, stop and independently verify them by calling a trusted phone number you already have.”

MAKE YOUR PLAN. LET’S WORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, LET’S DO IT TODAY. I can make the mortgage process easy. Connect with me at www.JoGarner.com You can email me at Jo@JoGarner.com or call me at (901) 482-0354

4^th Segment 8 minutes and 50 seconds

THE SONG UpBeat Inspirations PLAYING IN BACKGROUND ) INSIGHTS & INSPIRATIONS

The Switcharoo

In 2022, a 73-year-old former 911 dispatcher, completely turned the tables on a group of aggressive scammers trying to steal her savings. When a man called her claiming to be her grandson—panicked and begging for $8,000 in cash to post bail after a fake drunk driving arrest—Jean immediately knew it was a fraud because she did not have a grandson old enough to drive.

Instead of slamming down the phone, the honest grandmother decided to use her background in law enforcement communication to orchestrate a brilliant counter-trap:

The Bait: She played along perfectly, altering her voice to sound frightened, and told the scammer she had the full $8,000 sitting right inside her house.
The Authorities: While keeping the fraudster on the line and convincing him to send a courier to her home, she used a secondary line to alert the Nassau County Police Department.
The Switch: Instead of packing the envelope with her hard-earned money, Jean, a grandmother from Seaford, New York carefully stuffed a standard mailing envelope with ordinary paper towels.

Do you want to take every precaution to safeguard you home and your money? When you purchase a home or qualify go get a home purchase mortgage or refinance, use established, experienced professionals to walk you through the steps to keep you the safest on your journey.

Call or text me today at 901 482-0354. For your home purchase or refinance, I can assist you with getting the right mortgage and make the process EASY. www.JoGarner.com

Today on Real Estate Mortgage Shoppe we are talking about The New Face of Real Estate & Mortgage Fraud—and How to Beat the Scammers

Shelley Rothman, Griffin, Clift, Everton, And Maschmeyer (901) 752-1133
Rob Draughon, Griffin, Clift, Everton, and Maschmeyer 901-752-1133

REAL ESTATE TIP OF THE WEEK

Rob Draughon and Shelley Rothman of Griffin, Clift, Everton and Maschmeyer Law Firm about 1.5 min)

Jo Garner’s tip : Are you self-employed and are experiencing difficulty getting banks to accept your income based on your tax returns? There are more creative solutions than you can count. You just need a real person to hear your story and take the time to help you set up your strategy.

Call or text me today at 901 482-0354 or go to www.JoGarner.com

ANNOUNCEMENTS:

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(Thank you Ben Hunter 901 660-2912 outstanding Financial Professional at Independent Planning Group for being Talk Shoppe’s location sponsor)

Talk Shoppe is not having a meeting this Wednesday July 1^st, 2026 9AM CT

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MAKE YOUR PLAN. LET’S WORK YOUR PLAN. IF THE DEAL WORKS FOR YOU TODAY, DO IT TODAY.

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SPECIAL NOTE: REAL ESTATE MORTGAGE SHOPPE DOES NOT ENDORSE 100% OF THE CONTENT ON THIS EPISODE. REAL ESTATE MORTGAGE SHOPPE RECOMMENDS THAT YOU CONSULT WITH A FINANCIAL, LEGAL OR OTHER CERTIFIED, LICENSED PROFESSIONAL BEFORE ACTING OR INVESTING ON ANYTHING YOU HEAR OR SEE FROM THE CONTENT ON THIS SHOW OR BLOG POSTS. THE INFORMATION WE SHARE ON REAL ESTATE MORTGAGE SHOPPE IS GENERAL IN NATURE MEANT FOR GENERAL EDUCATIONAL PURPOSES ONLY, AND NOT AN OFFER TO LEND. EXAMPLES GIVEN FOR ILLUSTRATION PURPOSES ON REAL ESTATE MORTGAGE SHOPPE AND MOST ARE BASED ON TRUE STORIES BUT WE USE FICTIONAL CHARACTERS AND DO NOT DIRECTLY REFLECT REAL PEOPLE OR EXACT DETAILS IN ANY OF THE SITUATIONS. JO GARNER IS A LICENSED MORTGAGE LOAN ORIGINATOR. (EQUAL HOUSING OPPORTUNITY) (The Auditory version of this disclosure is played during the show)

QUOTE CORNER:  “Karma is like a rubber band. You can only stretch it so far before it comes back and smacks you in the face.” — Anonymous

The Infinite Tech-Support Loop: If a phone scammer asks to access your computer, tell them it is loading. Keep them on the line by narrating fake progress bars: “It’s at 98%… oh wait, it went backwards to 12%.” See how many hours of their life you can waste.

ACKNOWLEDGMENTS AND CREDITS

REJOINDERS:

Marx Sterbco, Attorney with Sterbco Law Firm in New Orleans, LA
Ken Sullivan, of Tax Matters Solved Millington, TN
Dan Sater, author of the “20 Top Toxic Mistakes People Make With Credit” Long Island, New York

Transitional Music: First Segment “WAAKA WAAKA” (PD) for Comic Queries; “Small Victories” by Allen McCool allenmccool.com and on Pixabay for Did You Know segment; “Upbeat Inspiration” by Ikoliksaj for Insights and Inspiration segment.

INTRO AND OUTRO THEME MUSIC “Country Roads” by Sergie Pavkin

PICK UP YOUR COPY OF “CHOOSING THE BEST MORTGAGE-THE QUICKEST WAY TO THE LIFE YOU WANT” by: JO GARNER

An essential guide for real estate professionals and their customers.

On Amazon and Barnes and Noble

ABOUT ATTORNEYS ROB DRAUGHON & SHELLEY ROTHMAN, GRIFFIN, CLIFT, EVERTON & MASCHMEYER LAW FIRM (901) 752-1133

_____________________________________________________________________________________

ABOUT JO GARNER-MORTGAGE LOAN OFFICER:

www.JoGarner.com
(901) 482 0354
jo@jogarner.com
X:@jogarner
NMLS# 757308 (currently working with Everitt Financial dba Supreme Lending)

ONLINE LOAN APPLICATION : https://jogarner.supremelendingLO.com

“Whatever YOUR personal priorities are, my job is to help you get the mortgage terms that will give you bragging rights when you talk about it and help you score on hitting your goals .”

As a mortgage loan officer, my job is to help you get to the benefits you want from your financing terms. What is most important to you? I can help you find the financing terms that will help you get to what you want. What is your comfort level on a house payment? How much are you comfortable paying down,? What type of financing do you need to get the house you want to buy or refinance?

Different clients have different priorities in life—some are buying their first home with very little down payment funds. Some are recovering from medical challenges, divorces or preparing to send children to college and some are embarking on a long term goal of buying properties to build rental income.”

Jo Garner is a mortgage officer with extensive knowledge in helping her clients find the right mortgage program and making the refinance or home purchase mortgage process EASY. She offers conventional, FHA, VA or other loan programs for primary residences, second homes and investment properties.

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 30 years. She grew up in West Tennessee and got her start in real estate 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 30 years.

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 host the radio show Real Estate Mortgage Shoppe airing on the Mighty 990 AM, 107.9 KWAM & streaming on the app https://mighty990.com/app with podcasts and show notes published on www.JoGarner.com Pick up Jo Garner’s book on Amazon or Barnes Noble “Choosing the Best Mortgage-The Quickest Way to the Life You Want”

The New Face of Real Estate & Mortgage Fraud—and How to Beat the Scammers

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