Mortgage Affordability in 2026: What You Can Actually Control

In this episode of Mosaic: The Stories of Real Estate, Mike Nelson, CEO of Efficient Lending, tackles one of the biggest questions in today’s market — how to make homeownership more affordable amid rising costs and higher interest rates.

Mike shares candid thoughts on macro factors like property tax reform, capital gains taxes, regulatory burdens, and skyrocketing third-party fees that drive up costs for borrowers.

But the real value is in what you can control right now:

Choosing the right mortgage product, loan term, and down payment strategy
Leveraging seller concessions to lower your effective costs
Mastering your credit profile (and why randomly paying off debt can backfire)
Building the right team — agents, lenders, CPAs, and advisors
Thinking short-term and long-term: how refinancing and future rate drops can improve affordability

Whether you are a first-time buyer, an existing homeowner, or an investor, this practical discussion will help you navigate today’s market with confidence.

Listen now and take control of your housing journey in 2026.

Serving in Colorado, Texas, and Florida.

Mike Nelson, CEO – Efficient Lending, Inc
720.419.3016 | mike@efficientlending.net | @mike_lending
NMLS: 1876539 | NMLS: 1314188

#RealEstate #MortgageTips #HomeBuying #HousingAffordability #MosaicPodcast

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