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

Mosaic: The Stories of Real Estate July Update Powered by MBS Highway.

August 5, 2025 • 25 mins
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...
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The Mosaic Mid-Year 2025 Real Estate & Mortgage Recap: Powered MBS Highway

July 1, 2025 • 61 mins
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.com562.9...
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Unlocking Reverse Mortgages: Tim Harder from Fairway Independent Mortgage Joins Mosaic

June 30, 2025 • 62 mins
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:...
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Toby Lorenc Joins Mosaic to Talk Real Estate Investing

June 20, 2025 • 53 mins
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 inspirin...
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Mosaic The Stories of Real Estate - May 2025

June 2, 2025 • 23 mins
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 changi...
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Mosaic: The Stories of Real Estate - February 2025 Update

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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Mosaic: The Stories of Real Estate - January 2025 Review and Outlook

February 12, 2025 • 31 mins
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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Mosaic: The Stories of Real Estate 2025 Forecast Episode 3 of 3

January 21, 2025 • 52 mins
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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Mosaic: The Stores of Real Estate 2025 Forecast Episode 2 of 3

January 13, 2025 • 61 mins
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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Mosaic: The Stories of Real Estate: 2025 Real Estate Forecast

January 8, 2025 • 29 mins
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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Mosaic Update: 12-23-24

December 24, 2024 • 30 mins
Learn more about your ad choices. Visit megaphone.fm/adchoices
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Toby Lorenc Joins Mosaic: The Stories of Real Estate

December 11, 2024 • 50 mins
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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Sonja Revells

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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Mosaic: The Stories of Real Estate—Margie and Chris Kelly tell their story of owning five homes, building a legacy through real estate, and supporting their family.

September 24, 2024 • 55 mins
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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Mosaic: Four Tips For Purchasing A Mortgage When Rates Are Coming Down

September 11, 2024 • 19 mins
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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Mosaic: The Stories of Real Estate: Spencer Bruce

September 6, 2024 • 50 mins
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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Refinancing Your Mortgage: 5 Principles To Consider

August 19, 2024 • 22 mins
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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Mosaic Weekly Updates; 8-2-2024

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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Kelly and Doug Lee

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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Ted and Becky DeGracia

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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