Hey friends, I’m Mike Nelson, owner of Efficient Lending, Inc. (NMLS: 1876539). I originate residential mortgages in Colorado, Texas, and Florida, and I love getting on the phone with clients to walk through the real numbers that actually matter. My mission is simple: help you secure a low-cost mortgage that fits your unique life, build lasting trust, and create generational wealth through smart real estate decisions.
Published on 04/15/2026
March inflation moved higher, driven largely by energy price spikes. Plus, updated home price forecasts highlight how homeownership can build wealth. Here are the key takeaways.
Published on 04/13/2026
At Efficient Lending, Inc., we believe the mortgage process should be about more than just getting approved—it’s about understanding the full picture so you can make confident decisions that build lasting wealth for your family. Many buyers focus heavily on today’s mortgage rates, and while rates certainly matter, they don’t tell the whole story. What often gets overlooked is how changes in rates directly influence home prices.
Published on 04/07/2026
As many of you in Colorado, Texas, and Florida know, the past month in the mortgage world has been tougher than we’d like. Geopolitical tensions from the conflict in Iran, combined with renewed inflationary pressures, have pushed mortgage rates higher. At Efficient Lending, we believe in honesty, integrity, and transparency above all else. That’s why I’m writing this blog—to explain exactly what’s happening in plain English, share the key economic metrics, and give you a realistic outlook so you can make confident decisions about your home and your future.
Published on 04/01/2026
Find out about smart moves you can do with the equity built in your house.
Published on 04/01/2026
Week of March 23, 2026 in Review A quieter week for economic data, with markets largely driven by uncertainty around the conflict in Iran and swings in oil prices. Meanwhile, the latest labor market reports provided some important signals on hiring trends. Here are the key takeaways.
Published on 03/30/2026
For the second meeting in a row, the Federal Reserve left interest rates unchanged, as expected. In housing, recent weather slowed home purchase activity in parts of the country, while wholesale inflation came in higher than anticipated. Here are the key takeaways.
Published on 03/23/2026
This week has been particularly volatile in the mortgage-backed securities (MBS) market and mortgage interest rates. As markets closed today, Friday, March 20, 2026, MBS yields experienced a substantial decline—approximately 90 basis points. To clarify, a drop in MBS yields corresponds to rising mortgage interest rates, representing a significant and noteworthy movement. While I cannot recall an identical single-day shift in my decade of close monitoring, this development carries clear implications for the housing market.
Published on 03/22/2026
Why High Rates Market Might Be a Smart Time to Buy
Published on 03/19/2026
