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
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
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
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
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
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
Week of June 29, 2026, in Review June hiring came in below expectations, while home prices continued to move higher with another month of solid gains. Here are the key takeaways.
Published on 07/06/2026
A recent podcast episode and swift market reaction highlight the challenges of navigating today’s uncertain rate environment. At Efficient Lending, we’re here to cut through the noise with honest, transparent guidance tailored to your needs in Colorado, Texas, and Florida.
Published on 07/01/2026
