Mosaic: The Stories of Real Estate

Mosaic: The Stories of Real Estate

Building generational wealth and legacy through real estate is a great goal to have - it is the American Dream. Whether you are building your legacy as a first-time home buyer or an investor with a portfolio, generational wealth is a legacy for you and your family. Mosaic tells these stories, the stories of buyers and sellers and the professionals who make real estate in the United States happen. Join us on Mosaic - The Stories Of Real Estate. About: Hi, I am Mike Nelson, a licensed mortgage broker and CEO of Efficient Lending, Inc. We serve residential, second home, and investment mortgage needs for Texas, Florida, and Colorado customers. I share information about the housing market and tips to help home buyers navigate a complex real estate market. If this sounds like something you're interested in, subscribe to my podcast or my YouTube Channel - @efficientlending Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net NMLS: 1876539 NMLS: 1314188

Episodes

March 4, 2025 21 mins
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 wo...
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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. Michae...
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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 expectation...
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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 age...
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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....
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December 24, 2024 30 mins
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We are privileged to have Toby Lorenc share his inspiring story on Mosaic. His focus on real estate, investing, and generational wealth creation is a powerful motivator for those considering long-term financial planning. Toby's experience in publishing and comedy has uniquely shaped his approach, and his 15-year journey in the Colorado Springs real estate market is a testament to his success. Join us for an interesting episode o...
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November 21, 2024 47 mins
Join us for an inspirational episode with Sonja Revells. She tells us an incredible story of real estate success, investing strategies, entrepreneurship, building businesses, supporting women, thriving in adversity, and an incredibly bright outlook on life. This is an episode you want to experience. Check out the notes below for Sonja's contact information. Efficient Lending, Inc. Michael F Nelson, CEO 720.419.3016  or mike@effici...
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Join us for an engaging episode with Margie and Chris Kelly. They lived in the same community for 50 years and purchased five homes. They have an incredible story of entrepreneurship, family, building community, and creating a legacy through real estate. Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net NMLS: 1876539 NMLS: 1314188 #EfficientLending #RogueMediaNetwork Learn more about your ad...
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Today on Mosaic: The Stories of Real Estate, I offer four tips on purchasing a mortgage for a new home when rates are set to come down. These tips can also be used for refinances. Give this episode a listen, and call me with any questions. Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net NMLS: 1876539 NMLS: 1314188 Mike Nelson | Facebook | Linktree #EfficientLending #RogueMediaNetwork Learn...
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Welcome to another episode of Mosaic: The Stories of Real Estate. Today, Spencer Bruce from Ed Prather Real Estate joins us for an informative conversation. Spencer gives us insight into how he became a successful real estate investor in two short years after leaving a highly successful 14-year career as a teacher. So join us for another episode of Mosaic, and you will be enriched by Spencer's in-depth knowledge of real estate and ...
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Welcome to Mosaic: The Stories of Real Estate. Today, I discuss five important principles a borrower should use when determining the financial benefit of refinancing their mortgage. Mortgage rates are coming down, and refinancing opportunities are coming back. This episode provides insight and direction as to how a mortgage should be refinanced to ensure the lowest cost and lowest monthly payment. Enjoy the episode, and remember, ...
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August 5, 2024 20 mins
It's August 2, 2024, and a significant shift has just occurred in the real estate mortgage market. Rates are on the decline, offering a ray of hope. Today, on Mosaic: The Stories of Real Estate, I explore the reasons behind this positive market change and its potential impact on the future. I also discuss three powerful strategies that every borrower can use to combat the increasing cost of a mortgage. Whether you're planning a pur...
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June 20, 2024 52 mins
Today, join us on Mosaic—The Stories Of Real Estate as we chat with Kelly and Doug Lee. Family, moving, service, and real estate stories are stories of faith, new experiences, togetherness, and making a home regardless of circumstance or geography. Doug and Kelly share wonderful insights—establishing community is more important than the physical home. What a wonderful episode this is. Enjoy it and listen. Michael F Nelson, CEO - E...
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June 6, 2024 65 mins
Join us today on Mosaic as we talk with Ted and Becky DeGracia. Ted and Becky tell their story of growing a young family, changing jobs, moving homes, and navigating the financial crash in 2008. Their story is inspirational, engaging, and relevant as they build a legacy for their family through their homes and real estate. Michael Nelson, CEO - Efficient Lending, Inc. 7203.419.3016 or mike@efficientlending.net NMLS: 1987639 NMLS: ...
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Today, on Mosaic, I talked with Chris and Lisa Phillips. Chris and Lisa own a beautiful home in Colorado Springs, Colorado. Both of them had successful counseling practices in the Springs, and life was moving along nicely. Then an exciting job opportunity opened up for Chris in Germany. Their story is moving from Colorado to Germany, owning a home, working through rental strategies, and the stress of relocating halfway around the w...
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Today, on Mosaic, I chatted with Randy and Rebecca about their incredible story of real estate. Both have owned multiple properties, chased their children across the country to new homes, and now merge their real estate investments through their marriage. Thiers is a beautiful story of how real estate and generational wealth have served them well. So join us on Mosaic: The Stores of Real Estate for another exciting episode. Michae...
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Join us on Mosaic: The Stories Of Real Estate as we chat with first-time home buyers celebrating their first home ownership anniversary. We talk about expectations before and after their purchase, what they learned in their first year, what they did well, what they would do over again, and what the future may hold in real estate. Join us for a great episode of Mosaic: The Stories of Real Estate as we discuss building generational w...
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Today, on Mosaic, I had a conversation with a panel of industry experts about the current state of the real estate market. These experts have more than 15 years of experience in the industry and work daily with customers, buyers, and sellers to navigate our unique market. Join me on Mosaic as I talk with Garrett Hand from Elite Inspection Group, Brook-lyn Hibbs from Kind Lending, Tom Bonetto - The Lending Coach, and Paul Gusiff fro...
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Today, we discuss home sales rebounding in January, the Fed is in no hurry to cut rates, tame initial jobless claims, and the recession forecast is softened. Plus I talk about several tools I have to calculate the benefit of debt consolidation via refinance, and calculating the cost of waiting to purchase a new home. Give my podcast a listen and call me anytime to continue the dialogue. Mike Nelson, CEO - Efficient Lending, Inc....
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