Pending home sales ticked up in March, retail sales beat expectations, and jobless claims highlight continued shifts in how people work. Here are the key takeaways.
Published on 04/27/2026
Why Buying with higher rates is better than renting?
Published on 04/23/2026
Buying a home is one of the biggest financial decisions most people will ever make. In a competitive market like Texas, Colorado, or Florida, having a strong mortgage pre-approval can be the difference between winning your dream home and watching it go to another buyer. Not all pre-approvals are created equal. At Efficient Lending, we believe the gold standard is a full documentation pre-approval — the kind that gives you real confidence, stronger negotiating power, and a much smoother path to closing.
Published on 04/22/2026
A beautiful spring day in early April, and another episode of Mosaic: The Stories of Real Estate is in the books. This one felt extra special because it continues our conversation with the sharp team at Key Renter Denver.
Published on 04/20/2026
Home sales slower, builder sentiment weaker, and wholesale inflation slightly cooler than expected. Here are the key takeaways.
Published on 04/20/2026
HELOC vs. Cash Out Refinance - Do you want to know which works
Published on 04/20/2026
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
