Join me as I debrief on last week’s Fed meeting, rate cut, labor, and inflation data. Curious about the potential for labor to soften and for interest rates to improve? Listen to my podcast, then share your thoughts—reach out via call, text, email, or DM me on X @mike_lending.  Join the conversation. Michael F Nelson, CEo - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net or @mike_lending NMLS: 1876539 NMLS: 1314188 #EfficientLending #MortgageRates #RogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoices

Tempted by a 50-year mortgage's lower monthly payments? At Efficient Lending, we reveal the truth: assuming the same principal and rate can balloon your total interest, creating a costly long-term solution. I'm Mike Nelson (NMLS: 1876539), your guide in Colorado, Texas, and Florida, breaking it down in this *Mosaic: The Stories of Real Estate* episode for agents and borrowers. Learn how the proper term builds generational wealth—tune in on Spotify or efficientlending.net. Let's talk; your legacy awaits. Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net or @mike_lending NMLS: 1876539 NMLS: 1314188 #EfficientLending #MortgageRates #RogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoices

I'm closely monitoring BLS data for labor insights, home price appreciation trends to gauge property values, the volume of applications crossing my desk as a pulse on buyer activity, and inflation figures that influence borrowing costs. If market sentiment leans toward a Fed rate cut, I'll be watching how the markets preemptively price it in before the December 10 meeting. Opportunities like these can empower homeowners to build generational wealth and lasting legacies through smart financing. Join me on Mosaic: The Stories of Real Estate to explore how these indicators could impact your path to homeownership with honesty, transparency, and a personal touch. Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@Efficientlending.net or @mike_lending NMLS: 1876539 NMLS: 1314188 #RogueMedia #EfficientLending #MortgageRates Learn more about your ad choices. Visit megaphone.fm/adchoices

In this insightful episode, explore innovative proposals for Fannie Mae and Freddie Mac to streamline mortgage lending and enhance housing affordability, featuring expert insights from Tom Bonetto, the Lending Coach, and Mike Nelson, CEO of Efficient Lending, Inc. The discussion also examines the profound influence of federal debt on mortgage rates and lending dynamics. Tom Bonetto - The Lending Coach tom@lendingcoach.net or 480.788.2658 NMLS: 1431961 https://lendingcoach.net/ Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net or @mike_lending NMLS: 1876539 NMLS: 1314188 My Linktree #EfficientLending #MortgageRates #RogueMedia #LendingCoach Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Mosaic: The Stories of Real Estate for an in-depth episode examining the Federal Reserve's upcoming announcement on October 29th. I analyze the signals Chairman Jerome Powell may provide, including the likelihood of interest-rate cuts, the data sources relied upon during the government shutdown blackout period, and the Fed's evolving balance-sheet strategy. These pivotal decisions could significantly influence real estate markets and mortgage rates. Tune in as I outline my optimistic outlook and highlight the key indicators to watch for emerging opportunities. Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net or @mike_lending NMLS: 1876539 NMLS: 1314188 #EfficientLending #MortgageRates #rogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Mosaic, we chat with Virginia Sellars, Head of Brokerage at Key Renter Property Management—Denver. With her extensive real estate and property management expertise, Virginia shares her inspiring journey of creating generational wealth and a lasting legacy through strategic property investments, property management, and real estate sales in the vibrant Denver, Colorado market. You can reach Virginia at: keyrenterdenver.com or 720.468.8276 Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net or @mike_lending NMLS: 1876539 NMLS: 1314188 #Efficientlending #Mortgagerates #Roguemedia Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to the September 2025 Mortgage and Real Estate Update, powered by MBS Highway. In this episode, I will review a particularly volatile month for mortgages. We experienced a Fed rate cut, which unexpectedly led to an increase in mortgage rates. Additionally, there was a significant revision from the Bureau of Labor Statistics regarding labor numbers, contributing to market fluctuations. Tune in for this month's update. As always, please call or text me anytime to continue the conversation. Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net or @mike_lending NMLS: 1876539 NMLS: 1314188 Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Mosaic: The Stories of Real Estate. Today, I'll share five tips for refinancing your home. These tips will help you lower your mortgage costs and build generational wealth and a lasting legacy. Additionally, I'll discuss the government shutdown, our national debt, and the potential impacts on the real estate market. As always, I welcome your thoughts and would love to continue the conversation. Feel free to call, text, or DM me anytime! Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net or @mike_lending NMLS: 1876539 NMLS: 1314188 #EfficientLending #MortgageRates #RogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoices

Last week, the Federal Reserve cut interest rates, but surprisingly, mortgage rates increased. How is this possible, and was it anticipated? In today's episode of "Mosaic: The Stories of Real Estate," I explore the reasons behind the rise in mortgage rates despite the Fed's rate cut. I invite you to listen to the episode and reach out with any questions. Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net or @mike_lending NMLs: 1876539 NMLS: 1314188 #EfficientLending #MortgageRates #RogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to the August 2025 mortgage and real estate update, powered by MBS Highway. In today’s episode, I will discuss an eventful month for mortgages.  Will September bring a rate cut from the Fed?A lot has happened regarding inflation, the Federal Reserve, and the Bureau of Labor Statistics (BLS) labor numbers. We are currently experiencing a market transition. If you are a borrower, seller, or agent, listen to this update for key insights into the market and what may lie ahead.Call, text, or DM me with any questions or to continue the dialogue.Michael F Nelson, CEO - Efficient Lending, Inc720.419.3016or mike@efficientlending.net or @mike_lendingNMLS: 1876539  NMLS: 1314188 Learn more about your ad choices. Visit megaphone.fm/adchoices

Please tune in to the latest episode of Mosaic: The Stories of Real Estate, powered by MBS Highway, as we unpack a pivotal July in the real estate market. This month, we dive into the critical Bureau of Labor Statistics (BLS) data—could these numbers signal the turning point for interest rate cuts and a revitalized housing market? Join us for an in-depth analysis of the BLS figures, their implications, and expert insights into what August and beyond hold for real estate professionals and investors.DM's, calls, texts, and emails are encouraged.  Please contact me anytime.Michael F Nelson, CEO - Efficient Lending, Inc720.419.3016or mike@efficientlending.net or Mike_lendingNMLS: 1876539  NMLS: 1314188#EfficientLending #MrtgageRates #RogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoices

On today's episode of Mosaic: Stories of Real Estate, join guests Tom Bonetto and Paul Gusiff as we break down the real estate and mortgage market trends for the first half of 2025. We'll revisit our January 2025 predictions, assess their accuracy, and share expert insights on what to expect for the remainder of the year. Tune in for a dynamic discussion packed with valuable updates and forecasts!Paul Gusiffpaul@paulgusiff.com562.947.2861Tom Bonettotom@lendingcoach.net 480.788.2658NMLS: 1431961Michael F Nelson, CEO - Efficient Lending.net720.419.3016or mike@efficientlending.net Mike_lendingNMLS: 1876539  NMLS: 1314188#EfficientLending #MortgageRates #RogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoices

With over 21 years of expertise, Tim Harder from Fairway Independent Mortgage unravels the power of reverse mortgages in this episode of Mosaic. Discover how this innovative financial tool can enhance retirement planning, fund home purchases, and stabilize volatile markets. Tune in for actionable insights and expert guidance on confidently navigating reverse mortgages.Tim Harder - Fairway Independent Mortgage303.210.7015 and https://www.linkedin.com/in/timothy-harderMichael F Nelson, CEO - Efficient Lending, Inc720.419.3016 or mike@efficientlending.net or Mike_lendingHttps://efficientlending.netNMLS: 1876539  NMLS: 1314188#EfficientLending #Mortgagerates Learn more about your ad choices. Visit megaphone.fm/adchoices

We are excited to welcome Toby Lorenc back to the podcast to discuss real estate investing. Starting his real estate journey by purchasing his first investment property at the age of 19, Toby has a remarkable story to share. He brings valuable insights from his experiences as a real estate agent, investor, and homeowner in the beautiful city of Colorado Springs, Colorado.Join us on Mosaic: The Stories of Real Estate for an inspiring narrative filled with lessons learned and success in the real estate investment market.Contact Toby anytime at:toby@peakdream.com or facebook.com/COSrealtor or @CORealEstate411Michael F Nelson, CEO, Efficient Lending, Inc720.419.3016 or mike@efficientlending.net or @mike_lendinglinktr.ee/efficientlending NMLS: 1876539  NMLS: 1314188#EfficientLending #MortgageRates #RogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to the May 2025 mortgage and real estate update, brought to you by MBS Highway! In today’s episode, I’ll be taking you through the latest trends and volatility in the mortgage market throughout May. Plus, we’ll look ahead to June and explore how key insights into market dynamics can empower us to make informed decisions in the real estate landscape. Join me for an engaging discussion that will help you navigate these changing times!Michael F Nelson, CEO - Efficient Lending, Inc720.419.3016 or mike@efficientlending.net or Mike_lendingNMLS: 1876539  NMLS: 1314188 Learn more about your ad choices. Visit megaphone.fm/adchoices

Mosaic: The Stories of Real Estate — Exciting news! The latest episode is now live! Join me as I dive into the key factors driving the notable fluctuations in the real estate financing market from February, and discover what trends we can anticipate for March and the rest of 2025. Will the decline in interest rates continue? Don’t miss out on my podcast, where we bring to life the inspiring stories of the individuals shaping the world of real estate and generational wealth building — the buyers, sellers, agents, and lenders who make it all happen. Tune in now! #EfficientLending #RogueMediaNetwork Michael F Nelson, CEO - Efficient Lending, Inc. 720.419.3016 or mike@efficientlending.net or Mike_lending NMLS: 1876539 NMLS: 1314188 Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, I recap the fluctuations in the real estate market for January, discussing interest rates, market volatility, and potential trends for February and the rest of 2025. I will also compare January's trends with our overall forecast for 2025. Are we on track for interest rates to decrease? Check out our monthly market update episode on "Mosaic: The Stories of Real Estate." Please call, text, or DM me with any questions. Michael F. Nelson, CEO - Efficient Lending, Inc. 720.419.3016 |mike@efficientlending.net | @mike_lending NMLS: 1876539 | NMLS: 1314188 Learn more about your ad choices. Visit megaphone.fm/adchoices

Join us for Episode 3 of 3 for my 2025 mortgage and real estate forecast powered by MBS Highway. In this episode, I’m joined by Paul Gusiff, a veteran in the real estate industry with 37 years of experience in Southern California. Paul has witnessed the highs and lows of real estate throughout his career and possesses a wealth of knowledge. Today, he reflects on the 2025 Forecast presented by MBS Highway and shares his expectations for the year ahead. As always, please contact me anytime if you’d like to continue the conversation. You can call or text me or contact me via X @mike_lending. Contact Paul Gusiff Paul@paulgusiff.com or 562.208.4887 Michael Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net or @mike_lending NMLS: 1876539 NMLS: 1314188 Learn more about your ad choices. Visit megaphone.fm/adchoices

Join us for Episode 2 of our 3-part series on the 2025 Real Estate and Mortgage Forecast, powered by MBS Highway. In this episode we are excited to have Tom Bonetto, The Lending Coach, from Phoenix, Arizona, join us. Together, Tom and I will discuss the forecast that MBS Highway presented this past Monday. With his extensive experience, Tom brings valuable insights to Mosaic: The Stories of Real Estate. If you are a real estate agent, buyer, seller, or investor, you won’t want to miss this episode. Episode 3 will air next week and will feature Paul Gusiff, a seasoned real estate veteran with 37 years of experience in Southern California. You can follow Mosaic on all major podcasting platforms or connect with me on X @mike_lending for updates on new releases. Tom Bonetto, NMLS: 1431961 or tom@lendingcoach.net https://lendingcoach.net/mortgage-real-estate-forecast-2025/ https://lendingcoach.net/ Mike Nelson, CEO - Efficient Lending, Inc or mike@efficientlending.net https://linktr.ee/efficientlending NMLS: 1876539 NMLS: 1314188 Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Mosaic: The Stories of Real Estate. Join me for the 2025 Real Estate and Mortgage Forecast powered by MBS Highway. In this episode, I will review the 2025 mortgage and real estate forecast Barry Habib and MBS Highway presented on Monday, January 6. If you are an agent, buyer, seller, or investor, the annual estimates from MBS Highway provide invaluable information. Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net or Mike_lending NMLS: 1876539 NMLS: 1314188 #EfficientLending #MBSHighway #RogueMediaNetwork https//:efficientlending.net Learn more about your ad choices. Visit megaphone.fm/adchoices