Mosaic: The Stories of Real Estate

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 Gusiff
paul@paulgusiff.com
562.947.2861
Tom Bonetto
tom@lendingcoach.net 480.788.2658
NMLS: 1431961
Michael F Nelson, CEO - Efficient Lending.net
720.419.3016
or mike@efficientlending.net Mike_lend...

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 Mortgage
303.210.7015
 and https://www.linkedin.com/in/timothy-harder
Michael F Nelson, CEO - Efficient Lending, Inc
720.419.3016 or mike@efficientlending.net or Mike_lending
Https://efficientlending.net
NMLS: 1876539  NMLS: 1314188
#EfficientLending #Mortgagerates

Learn...

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/C...

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, Inc
720.419.3016
 or mike@efficientlending.net or Mike_lending
NMLS: 1876539  NMLS: 1314188

L...

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!

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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.

Michael F. Nelson, CEO - Efficient Lending, Inc.

720.419.3016

|mike@efficientlending.net | @mike_lending

NMLS: 1876539...

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...

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 Pa...

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...

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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 of Mosaic - The Stories of Real Estate

Toby Lorenc 719.675-6111

https://www.facebook.com/COSrealtor

https://www.instagram.com/cosrealtor

...

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@efficientlending.net

NMLS: 1876539 NMLS: 1314188

https://linktr.ee/efficientlending

#EfficientLending #CoRealEstate #FlRealEstate #TxREalEstate

Sonja Revells - 

85...

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 choices. Visit megaphone.fm/adchoices

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

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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 investing.

 Instagram: @sold.by.spencer

Contact info: spencer@edprather.com  (720) 253-9704 

Website: https://www.edprather.com/agents/spence...

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, these five principles are key when it comes to refinancing your mortgage. Feel free to call me anytime with questions.

Michael F Nelson...

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 purchase or a refinance, these strategies can help you secure a stronger position in building equity in your home.

Call me anytime to c...

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 - Efficient Lending, Inc

720.419.3016 or mike@efficientlending.net

NMLS: 1876539 NMLS: 1314188

#EfficientLending #TxRealEstate #FlRealEstate #CoRealEstate #RogueMediaNetwork

...

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: 1314188

https://linktr.ee/efficientlending

#EfficientLending #CoRealEstate #FlRealEstate #TxRealEstate #RogueMediaNetwork

Le...

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 world. Join us on Mosaic as we discuss the legacy and generational wealth of real estate. Call me anytime to continue the dialogue.

Mic...

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.

Michael F Nelson, CEO - Efficient Lending, Inc

720.419.3016 or mike@efficientlending.net

NMLS: 1876539 NMLS: 1314188

About: Hi...

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 wealth and legacy through real estate.

Mike Nelson, CEO - Efficient Lending, Inc

720.419.3016 or mike@efficientlending.net<...

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 from Westworld Realty as we discuss real estate and the future of building generational wealth.

Michael F Nelson, CEO...

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.

720.419.3016 or mike@efficientlending.net

NMLS: 1876539 NMLS: 1314188

https://linktr.ee/efficientlending<...

Today, I talk about the inflation volatility in the market for the past few weeks, continuing claims that are still growing for the unemployment market, and increasing homebuilder confidence. Plus I talk about some beautiful tools on my website that can help with your real estate decisions. Join us on Mosaic as we discuss real estate and building generational wealth.

Mike Nelson, CEO - Efficient Lending, Inc

720.419.3016 or mike@efficientlending.net

NMLS: 1876539 NMLS: 1314188

https://linktr.ee/efficientlending

https:efficientlending.net

<...

Lauren Avery Collins is a senior account manager at First Integrity Title. She has over 15 years of experience in the title industry and has acquired a wealth of knowledge about it.

Although title is essential to every real estate transaction, it is often misunderstood. Lauren shares her experiences and knowledge and provides valuable advice on title companies' services in real estate transactions.

She also has excellent insights into the market and opportunities to build generational wealth and legacy in real estate.

https://linktr.ee...

Today, I discuss home prices, tight real estate inventory, and the labor market. I also discuss a great tool on my website to track interest rates in our volatile market. Give Mosaic a listen and call me anytime to continue the dialogue.

Mike Nelson, CEO - Efficient Lending, Inc

720.419.3016 or mike@efficientlending.net

NMLS: 1876539 NMLS: 1314188

#efficientlending #corealestate #flrealestate #txrealestate #realestate #mortgage #interestrates #homefinancing #homepurchase #conventional #conforming #fha #stories #mosaic #rogue #roguemedianetwork

About: Hi, I am Michael Nelson, a licensed mortgage...

Join us on Mosaic as Daniela Rodriguez from Turner Brothers Real Estate in Waco, TX, talks about her journey from growing up in Columbia to a thriving career in real estate in the United States. She tells an inspiring story of how her passion for real estate fuels her love of community involvement. Her heart desires to improve the cities she lives in, and she provides excellent advice for people who want to engage in their communities. So join us on Mosaic as Daniela Rodriguez shares her story of real estate, investing, and helping communities thrive.

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In today's Weekly Update powered by MBS Highway, I talk about a Jobs Report that isn't what it seems, the possibility that the Fed won't hike again this year, and homes are appreciating. Plus, I talk about a great tool I use to estimate the cost of waiting to purchase a home. Give my podcast a listen for this week's update on Mosaic: The Stories Of Real Estate.

Mike Nelson, CEO - Efficient Lending, Inc

720.419.3016 or mike@efficientlending.net

NBMLS: 1876539 NMLS: 1314188

https://efficientlending.net

Join us as Trevor Caswell, an agent on the Jeff Bird Team Keller Williams in Waco, tells us his story of starting a career in real estate in 2020 and navigating a challenging market through 2023. In our "Perspectives From The Present" series, Trevor inspires us with his encouraging optimism and skill in mastering his craft as a real estate agent. Trevor shares his insights on starting a real estate career in an upmarket and how he stays positive, navigating the challenges of low inventory and high-interest rates. Join us on Mosaic - The Stores Of Real Estate.

<...

Today's weekly update powered by MBS Highway discusses positive home builder sentiment, strong retail sales numbers from the holidays, and employment numbers are positive. Plus, I talk about tools I have available for buyers and sellers useful for evaluating mortgages and real estate financing. Join me on Mosaic as we talk about real estate and building generational wealth.

Michael F Nelson, CEO - Efficient Lending, Inc

720.419.3016 or mike@efficientlending.net

NMLS: 1876539 NMLS: 1314188

https://efficientlending.net

https://youtube.com/@efficientlending

https://facebook...

Today's weekly update from MBS Highway discusses improving inflation numbers and home values appreciating nationwide. Plus, I talk about various tools buyers and sellers can use to evaluate residential real estate. Join me on Mosaic as we discuss building legacy and generational wealth in residential real estate.

Michael F Nelson, CEO - Efficient Lending, Inc

720.419.3016 or mike@efficientlending.net

NMLS: 1876539 NMLS: 1314188

https://efficientlending.net

https://youtube.com/@efficientlending

https://facebook.com/efficientlending

#efficientlending #corealestate #flrealestate #txrealestate...

Margaret Kahn is a breath of fresh air in real estate. Margaret is a serial entrepreneur with a background in technology and a love of real estate. She is a licensed agent in Texas and brings her exciting new app, WiseMove, to the real estate industry. Listen to Margaret tell her story of building a real estate business while creating an app that tracks everything we move, which box it is stored in, and where it is located. WiseMove is desperately needed in our industry, and Margaret has solved an age-old problem - knowing what we moved, when we...

Today's headlines from MBS Highway are about the labor market and potential Fed rate cuts in 2024. Plus, I talk about the annual MBS Highway Market Forecast. Join us for the first weekly update of 2024. Let's all have a great year building legacy and generational wealth.

Michael Nelson, CEO - Efficient Lending, Inc

720.419.3016 or mike@efficientlending.net

NMLS: 1876539 NMLS: 1314188

https://efficientlending.net

https://youtube.com/@efficientlending

https://facebook.com/efficientlending

https://www.linkedin.com/in/mnelson31

Ronnie Prado joins us today for another episode of Mosaic - The Stories Of Real Estate. Ronnie is a real estate investor and real estate agent in the great state of Colorado. Please spend some time with us as we talk about his experiences transitioning from a 9 to 5 corporate gig to a career in wholesale and retail real estate investing. Ronnie shares excellent insights on real estate, investing, and building generational wealth.

Ronnie Prado - Realtor

HomeSmart Brokerage DRE# FA100100734

612-990-6366 (voice & text)

ronniepradore@gmail.com

Today's headlines from MBS Highway are about the Fed pausing rate hikes, interest rate cuts for 2024, cooling inflation, and a boost in retail sales. Plus, I talk about buyers' options when sellers offer concessions. Join us for our last update of 2023. Happy Holidays and Happy New Year.

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Join us as we chat with Tom Bonetto, The Lending Coach. Today, Tom tells his story of working in corporate America, transitioning to mortgage lending, and his experiences coaching high school and club baseball. Tom works in Arizona and California. His specialty is coaching first-time and seasoned real estate investors through real estate purchase transactions. Tom brings his wealth of coaching, business, and real estate knowledge to the podcast.

Tom Bonetto – The Lending Coach – NMLS #1431961

tom@lendingcoach.net

https://lendingcoach.net/

480-788-2658 (AZ)

909-375-3319 (CA)<...

Today's headlines from MBS Highway are the BLS Jobs Report, Private Payrolls are below expectations, Job Openings are lower, and Home Prices are appreciating. Plus, I talk about the five things a buyer can do with seller concessions. You can always print a copy of Road Signes at my website, efficientlending.net. Give my Weekly Update a listen and call me with any questions - 720.419.3016

Michael F Nelson, CEO - Efficient Lending, Inc

720.419.3016 or mike@efficientlending.net

NMLS: 1876539 NMLS: 1314188

#efficientlending #corealestate #flrealestate #txrealestate #realestate #mortgage...

Today's headlines from MBS Highway Road Signs: are improving inflation, weakening home sales, and improving home price appreciation. Plus, I talk about the fourth installment in my four-part series on fighting the cost of a mortgage and building generational wealth. The interest rate is the fourth tool we have to lower the expense of your mortgage. Give my podcast 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

#efficientlending #corealestate #flrealestate #txrealestate...

Join us as we chat with Kirk Wodell, Keller Williams agent in the greater Denver market. Kirk shares his experiences from starting his real estate career, knocking on doors during the financial crash of 2008, to being a successful agent and investor in 2023. Kirk's experiences navigating challenging past markets have given him the insight to thrive in real estate today. Join us as Kirk shares his real estate perspectives from the past.

Kirk Wodell

The Wodell Group - Keller Williams Realty

303.246.1132

https://www.thewodellgroup.com