The American dream of homeownership is more than securing a place to call home. Homeownership is the cornerstone of personal security, wealth building, and future legacy for individuals and families. Owning a home or investment property is one of the most critical steps in building a wealth portfolio that can be utilized in your future or the future of generations to come. Efficient Lending was birthed with the idea of promoting legacy and personal financial security for our customers, and community and global outreach.
Mike and Sonia Nelson are California natives who found themselves moving for corporate relocations to Utah, back to California, and then to Colorado, where they spent the bulk of their family-building time. Each move was an opportunity to purchase a home with a larger down payment than the last. So after years of working with large corporations, they decided to launch a family-owned business that offers a personalized experience for home and investment property acquisition.
Efficient Lending relocated to Waco, Texas, in 2021, where Mike and Sonia were able to experience their mantra of “The best home loan is no home loan." Our goal at Efficient Lending is to walk beside you, not just in your initial purchase but as you manage your loan over the years, through meaningful refinance opportunities. Our boutique service is geared toward finessing interest rates and term (length of your loan) over the years to put money back in your pocket, enabling you to grow your wealth
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night...
NMLS 1795154