In this episode, I break down why chasing the absolute lowest interest rate isn’t always the smartest move. From credit scores and loan types to points, lender credits, and your personal timeline — I share the real factors that determine your true mortgage cost and how we build solutions that actually fit your life and goals.

I also touch on recent Fed headlines and what truly drives long-term housing affordability.

Transparency, math, and relationships over hype.

If you’re buying, refinancing, or simply want straight talk on mortgages in Colorado, Texas, or Florida, this one’s for you.

Listen now and reach out anytime:

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this timely market update, Mike Nelson, CEO of Efficient Lending Incorporated (NMLS: 1876539), examines recent volatility in mortgage rates following a significant drop in mortgage-backed securities yields and the latest Federal Reserve meeting. With 30-year fixed rates averaging around 6.2–6.4% amid persistent inflation concerns and geopolitical influences, Mike shares balanced insights on official data, alternative sources, and emerging opportunities in the housing markets of Colorado, Texas, and Florida. Discover why now may present strategic advantages for buyers and investors seeking to build generational wealth—despite current challenges—and how to position yourself for potential future refinancing. Tune in for practical, no-nonsense analysis from a mortgage professional tracking these trends daily.

Call me anytime to continue the dialogue.

Mike Nelson, CEO - Efficient Lending, Inc

720.419.3016 | mike@efficientlending.net | @mike_lending

NMLS: 1876539 | NMLS: 1314188

#efficientlending #mortgagerates #roguemedia

Learn more about your ad choices. Visit megaphone.fm/adchoices

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In the midst of recent market volatility shaking up mortgages and real estate, tune into the latest episode of "Mosaic: The Stories of Real Estate" hosted by Mike Nelson of Efficient Lending, Inc.

This insightful recap cuts through the noise, empowering buyers, sellers, agents, and investors with timeless strategies: embracing the big picture of leveraging time to slash mortgage costs, building generational wealth; decoding key market drivers like housing demand, inventory shortages, and inflation pressures; and confronting persistent challenges, including the Fed's reliance on questionable BLS data and the looming impact of $38 trillion in national debt.

Whether you're navigating a purchase, sale, or investment, this episode delivers honest, transparent guidance to help you make informed decisions and foster a long-term financial legacy.

Let's build relationships and wealth together!

Mike Nelson, CEO - Efficient Lending, Inc

7 20.419.3016 | mike@efficientlending.net | @mike_lending

NMLS: 1876539 | NMLS: 1314188

#EfficientLending #MortgageRates #RogueMedia

Learn more about your ad choices. Visit megaphone.fm/adchoices

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.