As many of you in Colorado, Texas, and Florida know, the past month in the mortgage world has been tougher than we’d like. Geopolitical tensions from the conflict in Iran, combined with renewed inflationary pressures, have pushed mortgage rates higher. At Efficient Lending, we believe in honesty, integrity, and transparency above all else. That’s why I’m writing this blog—to explain exactly what’s happening in plain English, share the key economic metrics, and give you a realistic outlook so you can make confident decisions about your home and your future.
Published on 04/01/2026
Find out about smart moves you can do with the equity built in your house.
Published on 04/01/2026
Week of March 23, 2026 in Review A quieter week for economic data, with markets largely driven by uncertainty around the conflict in Iran and swings in oil prices. Meanwhile, the latest labor market reports provided some important signals on hiring trends. Here are the key takeaways.
Published on 03/30/2026
For the second meeting in a row, the Federal Reserve left interest rates unchanged, as expected. In housing, recent weather slowed home purchase activity in parts of the country, while wholesale inflation came in higher than anticipated. Here are the key takeaways.
Published on 03/23/2026
This week has been particularly volatile in the mortgage-backed securities (MBS) market and mortgage interest rates. As markets closed today, Friday, March 20, 2026, MBS yields experienced a substantial decline—approximately 90 basis points. To clarify, a drop in MBS yields corresponds to rising mortgage interest rates, representing a significant and noteworthy movement. While I cannot recall an identical single-day shift in my decade of close monitoring, this development carries clear implications for the housing market.
Published on 03/22/2026
Why High Rates Market Might Be a Smart Time to Buy
Published on 03/19/2026
Buying a home is one of the biggest investments you’ll ever make. It’s exciting, emotional, and — let’s be honest — a little overwhelming. At Efficient Lending, Inc., we help families across Colorado, Texas, and Florida secure the right mortgage to make that dream a reality. But before we even talk rates or loan programs, we always stress one truth: a smooth, confident purchase starts long before the closing table.
Published on 03/18/2026
Inflation remains tame, existing home sales edge higher, and Q4 GDP gets revised significantly lower. Here are the key takeaways
Published on 03/16/2026
The labor market is showing signs of slowing, while home price forecasts nationwide remain strong. Here are the key takeaways.
Published on 03/09/2026
