In today's post, I want to dive into a timely economic topic that's buzzing in real estate circles: how potentially overstated inflation figures could pave the way for favorable conditions in the housing market, especially with the Federal Reserve's upcoming meeting on September 17, 2025.
Published on 08/20/2025
Mortgage rates stayed mostly flat this week, holding near 10-month lows. Here’s what happened from August 18–20 and why upcoming economic data could shake things up.
Published on 08/20/2025
Mortgage rates are holding near 10-month lows after early August’s jobs report and mixed inflation data. Here’s what homebuyers and homeowners need to know.
Published on 08/14/2025
Mortgage rates just hit their lowest levels since October 2024 following a big shift in the bond market. Here’s why it matters for homebuyers and homeowners.
Published on 08/05/2025
On July 29, 2025, the S&P CoreLogic Case-Shiller U.S. National Home Price Index released its latest data, showing a modest 0.4% increase in home values from April to May (non-seasonally adjusted), while the seasonally adjusted numbers reflect a slight 0.3% decrease. Year-over-year, home prices are up 2.3%, marking the smallest annual gain since July 2023. For real estate agents in Colorado, Texas, and Florida—where Efficient Lending, Inc. proudly originates residential mortgages—these numbers carry significant implications for your business. Let’s break down the good, the bad, and the actionable insights to help you navigate this market and better serve your clients.
Published on 07/30/2025
Confused by the housing market? You're not alone. Here's why the market feels hot and cold at the same time—and what it means for you as a homebuyer.
Published on 07/30/2025
A new proposal suggests removing capital gains taxes on primary home sales to boost the housing market. Here’s what it could mean for homeowners and buyers.
Published on 07/23/2025
As a homeowner or real estate professional, understanding inflation is critical to making informed financial decisions. At Efficient Lending, Inc., we’re committed to helping our clients in Colorado, Texas, and Florida build generational wealth through smart mortgage strategies. One tool gaining attention in the economic landscape is Trueflation, a blockchain-based, real-time inflation index that claims to offer a more accurate and timely alternative to the traditional Consumer Price Index (CPI) reported by the Bureau of Labor Statistics (BLS). In this post, we’ll explore what Trueflation is, evaluate its reliability compared to BLS data, and discuss how borrowers and real estate agents can leverage this metric to spot market opportunities.
Published on 07/22/2025
The financial world is abuzz with speculation about the future of the Federal Reserve, particularly regarding who might replace Jerome Powell as Chair and whether an interest rate cut is on the horizon for the July 29-30, 2025 meeting. Recent reports highlight Federal Reserve Governor Christopher Waller as a leading candidate to succeed Powell, alongside discussions of a possible rate cut this month. Here’s a breakdown of the latest developments based on credible media sources.
Published on 07/18/2025
