My name is Mike Nelson, CEO of Efficient Lending, Inc., headquartered in Waco, Texas. We originate residential mortgages in Colorado, Texas, and Florida. I love working across these three states with buyers, sellers, agents, title companies, and everyone involved in real estate. Today’s focus is a simple but powerful truth: the housing market is changing, and smart buyers and investors should pay attention. It has been a while since my last Mosaic post (the September 9th episode ahead of the Fed meeting and CPI). Markets have been volatile, and I wanted a clearer perspective. That clarity is here now.
Published on 10/28/2026
Week of October 19, 2026 in Review Pending sales and new home construction both stumbled in September, while safe-haven demand boosted bonds. Here's what you need to know.
Published on 10/26/2026
Explore 2026 home design trends, from curved architectural details and natural materials to wellness spaces and energy efficient features.
Published on 10/26/2026
Week of October 12, 2026 in Review Hotter-than-expected inflation, a rebound in existing home sales, and the story behind retail sales. Here’s what you need to know.
Published on 10/19/2026
Unlock your home's equity today and capture lower interest rates tomorrow through smart refinancing.
Published on 10/19/2026
Skip the hype and AI fluff. Discover 2026-savvy, non-obvious ways to choose a Realtor who actually delivers results.
Published on 10/11/2026
Mortgage rates are at their highest in about 3 years, but home sellers in TX, CO & FL are cutting deals. A seller-paid rate buydown can save you far more each month than a price cut. Here’s the math:
Published on 10/06/2026
Smart 2026 credit moves to help homebuyers protect their credit profile while moving and preparing for a mortgage.
Published on 10/05/2026
Residential appraisals are changing significantly, and real estate agents should prepare now. Fannie Mae and Freddie Mac are transitioning to the Uniform Appraisal Dataset (UAD) 3.6 and a redesigned Uniform Residential Appraisal Report.
Published on 09/29/2026
