Recent Articles

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Home Sales Rebound, Oil Markets Stay Volatile - MBS Highway Update 7-27-26

Week of July 20, 2026, in Review: New home sales came in stronger than expected, home prices continued to appreciate, and geopolitical tensions kept oil markets volatile. Here's what you need to know.

Published on 07/27/2026

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Should You Sell Your Current Home Before Buying a New One?

Should you sell your current home before buying your next one? Learn the pros, cons, financing options, and key factors that can help you make the best move for your financial situation.

Published on 07/27/2026

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Mortgage Affordability in Mid-2026: What You Can (and Can’t) Control

Welcome. I’m Mike Nelson, CEO of Efficient Lending, Inc. (NMLS 1876539). We’re a residential mortgage brokerage headquartered in Waco, Texas, and we originate loans in Colorado, Texas, and Florida. I spend a lot of time traveling between these three states helping people buy homes, refinance, and build something that lasts.

Published on 07/22/2026

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Inflation Eases, Housing Faces Headwinds - MBS Highway Update 7-20-26

Week of July 13, 2026 June brought some welcome inflation news, while housing market updates were mixed. Construction activity rebounded, but home sales declined.

Published on 07/20/2026

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Hazard Insurance vs Homeowners Insurance

Learn the difference between hazard insurance and homeowners insurance, what lenders require, what each policy covers, and how understanding both helps prevent closing day surprises.

Published on 07/20/2026

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2026 Mid-Year Mortgage Market Update: What Went Wrong & Where We're Headed - First Half 2026 Podcast Review

Six months into 2026, it’s time for a reality check. In this candid mid-year review, I’m joined by Paul Gusoff (Southern California real estate veteran) and Tom Bonetto (Arizona & California mortgage expert) to compare our January predictions against today’s market.

Published on 07/16/2026

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A New Home Equity Line Available Through Efficient Lending — Is Your Home’s Equity on the Sidelines?

For many homeowners and investors, their home isn’t just where they live—it’s also their largest financial asset. Over the past several years, home values have increased dramatically across much of the country, leaving many homeowners with significant untapped equity. The question is: Is that equity working for you?

Published on 07/13/2026

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Home Sales Slip, Prices Show Strength - Weekly Update Powered by MBS Highway

Week of July 6, 2026, in Review Existing home sales slipped slightly in June, while home prices continued their seasonal upswing. Here are the key takeaways.

Published on 07/13/2026

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Medical Debt Doesn't Kill Approval

Medical debt

Published on 07/13/2026