Home Purchase & Refinance Mortgage Loans in Colorado, Texas, and Florida

Welcome to Efficient Lending, Inc., your trusted mortgage broker for all your loan solutions in Texas, Colorado, and Florida. We understand that finding the right loan for your home purchase can be a daunting task, but worry not; we've got you covered. 

Whether you're a first-time homebuyer or looking to upgrade to your dream home, our expertise in FHA Loans, VA Loans, Jumbo Loans, Conventional Loans, and non-QM loans ensures that we have the perfect loan option for you.

We are here to guide you every step of the way on your homeownership journey.

 Our of dedicated professionals will provide personalized service, helping you navigate the complex mortgage process and find the ideal loan solution to suit your needs. From competitive interest rates to flexible terms, we are committed to making your home purchase a seamless and rewarding experience.





At Efficient Lending, Inc., we take pride in connecting deserving homeowners like you with the best loan solutions available. 

Let us be your trusted mortgage broker ensuring that the journey to your dream home is smooth and exciting.

Contact us today and allow us to simplify the mortgage process so you can start enjoying the perks of homeownership sooner than you think.

Contact us today and allow us to simplify the mortgage process so you can start enjoying the perks of homeownership sooner than you think.


Efficient Lending, Inc
Michael F Nelson, CEO
720.419.3016 or mike@efficientlending.net
NMLS: 1876539 NMLS: 1314188

Loan Program Options

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Conventional Loans

A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.

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FHA Home Loans

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

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VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...

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Jumbo Loans

A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $548,250 in...

Contact Us

7215 Bosque Blvd, Suite 140
Waco, TX 76710
Phone: (720) 419 3016
mike@efficientlending.net