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
As real estate agents, understanding the broader economic landscape is essential for guiding clients through today’s dynamic housing market. This week’s market update from Michael Nelson highlights critical economic indicators—Federal Reserve minutes, unemployment claims, and home price appreciation data—that offer valuable insights for your business. Here’s what these updates mean for real estate agents and how you can leverage them to better serve your clients.
Published on 07/16/2025
A new credit scoring update could impact who qualifies for a mortgage and at what rate. Learn what this means for first-time buyers and why now is the time to speak with your loan officer.
Published on 07/16/2025
Buying a house before your divorce is finalized? Here’s why it could create legal and financial complications—and how to plan smart.
Published on 07/08/2025
From mental health benefits to stronger communities, homeownership offers more than just a return on investment—it offers a better quality of life.
Published on 06/25/2025
Mortgage rates held steady this week—but not for the reasons you think. Here’s why working with a loan officer beats doing your own research when timing the market.
Published on 06/20/2025
