Mosaic: The Stories of Real Estate
by Rogue Media Network / Mike Nelson
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On the show
From 12 epsHosts
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Recent episodes
Why the Wall Street Journal’s headline “Why You’re Probably Overpaying for Your Mortgage” misses the mark.
Jun 30, 2026
22m 18s
From New Mexico Gardens to Denver Rentals: Michelle Whiting’s Real Estate Journey
Apr 20, 2026
42m 16s
Can Mortgage Chaos Create Real Estate Gold?
Mar 22, 2026
18m 12s
Navigating Mortgage Volatility: Building Wealth Amid Market Forces and Fed Challenges
Mar 3, 2026
18m 27s
From College Student to Real Estate Powerhouse: Sophie Deines’ Inspiring Journey
Mar 3, 2026
32m 41s
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| Date | Episode | Topics | Guests | Brands | Places | Keywords | Sponsor | Length | |
|---|---|---|---|---|---|---|---|---|---|
| 6/30/26 | mortgage costsinterest rates+3 | — | Wall Street Journal | ColoradoTexas+1 | mortgageinterest rate+3 | — | 22m 18s | ||
| 4/20/26 | real estateproperty management+4 | Michelle Whiting | Key Renter DenverEfficient Lending, Inc | New MexicoDenver+1 | real estate journeyproperty management+4 | — | 42m 16s | ||
| 3/22/26 | mortgage ratesreal estate market+3 | — | Efficient Lending IncorporatedFederal Reserve | ColoradoTexas+1 | mortgage chaosreal estate gold+3 | — | 18m 12s | ||
| 3/3/26 | mortgage volatilityreal estate strategies+4 | — | Efficient Lending, Inc.Rogue Media Network+1 | United States | mortgage ratesreal estate+5 | — | 18m 27s | ||
| 3/3/26 | real estateproperty management+3 | Sophie Deines | Key Renter DenverEfficient Lending, Inc | — | real estateproperty management+3 | — | 32m 41s | ||
| 2/2/26 | property managementreal estate+3 | Alexis Martinez | Key Renter DenverEfficient Lending, Inc | — | property managementreal estate+3 | — | 28m 29s | ||
| 1/29/26 | healthcare solutionsreal estate+4 | Mark Roberts | Patient First Direct Primary CareEfficient Lending, Inc | — | healthcarereal estate+4 | — | 54m 26s | ||
| 1/13/26 | housing marketreal estate trends+4 | Tom BonettoPaul Gusiff | MBS HighwayEfficient Lending, Inc+1 | — | housing marketreal estate+5 | — | 47m 16s | ||
| 12/15/25 | Fed meetinginterest rates+3 | — | MortgageRatesEfficient Lending, Inc+1 | — | Fed meetinginterest rates+3 | — | 17m 09s | ||
| 12/8/25 | mortgagesfinancial advice+3 | — | Efficient LendingRogue Media Network+1 | ColoradoTexas+1 | 50-year mortgagemonthly payments+3 | — | 17m 55s | ||
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| 11/26/25 | real estatemarket analysis+4 | — | Mortgage RatesEfficient Lending, Inc+1 | — | BLS datalabor insights+5 | — | 11m 27s | ||
| 11/25/25 | affordable housingmortgage lending+3 | Tom Bonetto | Fannie MaeFreddie Mac+2 | — | Fannie MaeFreddie Mac+5 | — | 41m 51s | ||
| 10/29/25 |  Fed Rate Decision: Signals for Real Estate Opportunities Tomorrow? | Join Mosaic: The Stories of Real Estate for an in-depth episode examining the Federal Reserve's upcoming announcement on October 29th. I analyze the signals Chairman Jerome Powell may provide, including the likelihood of interest-rate cuts, the data sources relied upon during the government shutdown blackout period, and the Fed's evolving balance-sheet strategy. These pivotal decisions could significantly influence real estate markets and mortgage rates. Tune in as I outline my optimistic outlook and highlight the key indicators to watch for emerging opportunities. Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or [email protected] or @mike_lending NMLS: 1876539 NMLS: 1314188 #EfficientLending #MortgageRates #rogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. | — | ||||||
| 10/21/25 |  Building Wealth: Virginia Sellars Shares Her Expertise in Real Estate & Property Management | In this episode of Mosaic, we chat with Virginia Sellars, Head of Brokerage at Key Renter Property Management—Denver. With her extensive real estate and property management expertise, Virginia shares her inspiring journey of creating generational wealth and a lasting legacy through strategic property investments, property management, and real estate sales in the vibrant Denver, Colorado market. You can reach Virginia at: keyrenterdenver.com or 720.468.8276 Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or [email protected] or @mike_lending NMLS: 1876539 NMLS: 1314188 #Efficientlending #Mortgagerates #Roguemedia Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. | — | ||||||
| 10/14/25 |  Mosaic: The Stories of Real Estate - September 2025 Market Update | Welcome to the September 2025 Mortgage and Real Estate Update, powered by MBS Highway. In this episode, I will review a particularly volatile month for mortgages. We experienced a Fed rate cut, which unexpectedly led to an increase in mortgage rates. Additionally, there was a significant revision from the Bureau of Labor Statistics regarding labor numbers, contributing to market fluctuations. Tune in for this month's update. As always, please call or text me anytime to continue the conversation. Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or [email protected] or @mike_lending NMLS: 1876539 NMLS: 1314188 Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. | — | ||||||
| 10/7/25 |  Mosaic: The Stories of Real Estate - 5 Tips to Reduce Cost When You Refinance | Welcome to Mosaic: The Stories of Real Estate. Today, I'll share five tips for refinancing your home. These tips will help you lower your mortgage costs and build generational wealth and a lasting legacy. Additionally, I'll discuss the government shutdown, our national debt, and the potential impacts on the real estate market. As always, I welcome your thoughts and would love to continue the conversation. Feel free to call, text, or DM me anytime! Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or [email protected] or @mike_lending NMLS: 1876539 NMLS: 1314188 #EfficientLending #MortgageRates #RogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. | — | ||||||
| 9/22/25 |  The Fed's Rate Cut Paradox: Why Are Mortgage Rates Rising? | Last week, the Federal Reserve cut interest rates, but surprisingly, mortgage rates increased. How is this possible, and was it anticipated? In today's episode of "Mosaic: The Stories of Real Estate," I explore the reasons behind the rise in mortgage rates despite the Fed's rate cut. I invite you to listen to the episode and reach out with any questions. Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or [email protected] or @mike_lending NMLs: 1876539 NMLS: 1314188 #EfficientLending #MortgageRates #RogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. | — | ||||||
| 9/10/25 |  Mosaic: The Stories of Real Estate - August 2025 Market Update | Welcome to the August 2025 mortgage and real estate update, powered by MBS Highway. In today’s episode, I will discuss an eventful month for mortgages. Will September bring a rate cut from the Fed?A lot has happened regarding inflation, the Federal Reserve, and the Bureau of Labor Statistics (BLS) labor numbers. We are currently experiencing a market transition. If you are a borrower, seller, or agent, listen to this update for key insights into the market and what may lie ahead.Call, text, or DM me with any questions or to continue the dialogue.Michael F Nelson, CEO - Efficient Lending, Inc720.419.3016or [email protected] or @mike_lendingNMLS: 1876539 NMLS: 1314188 Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. | — | ||||||
| 8/5/25 |  Mosaic: The Stories of Real Estate July Update Powered by MBS Highway. | 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 August and beyond hold for real estate professionals and investors.DM's, calls, texts, and emails are encouraged. Please contact me anytime.Michael F Nelson, CEO - Efficient Lending, Inc720.419.3016or [email protected] or Mike_lendingNMLS: 1876539 NMLS: 1314188#EfficientLending #MrtgageRates #RogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. | — | ||||||
| 7/1/25 |  The Mosaic Mid-Year 2025 Real Estate & Mortgage Recap: Powered MBS Highway | 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 [email protected] [email protected] 480.788.2658NMLS: 1431961Michael F Nelson, CEO - Efficient Lending.net720.419.3016or [email protected] Mike_lendingNMLS: 1876539 NMLS: 1314188#EfficientLending #MortgageRates #RogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. | — | ||||||
| 6/30/25 |  Unlocking Reverse Mortgages: Tim Harder from Fairway Independent Mortgage Joins Mosaic | 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://www.linkedin.com/in/timothy-harderMichael F Nelson, CEO - Efficient Lending, Inc720.419.3016 or [email protected] or Mike_lendingHttps://efficientlending.netNMLS: 1876539 NMLS: 1314188#EfficientLending #Mortgagerates Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. | — | ||||||
| 6/20/25 |  Toby Lorenc Joins Mosaic to Talk Real Estate Investing | 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:[email protected] or facebook.com/COSrealtor or @CORealEstate411Michael F Nelson, CEO, Efficient Lending, Inc720.419.3016 or [email protected] or @mike_lendinglinktr.ee/efficientlending NMLS: 1876539 NMLS: 1314188#EfficientLending #MortgageRates #RogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. | — | ||||||
| 6/2/25 |  Mosaic The Stories of Real Estate - May 2025 | 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, Inc720.419.3016 or [email protected] or Mike_lendingNMLS: 1876539 NMLS: 1314188 Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. | — | ||||||
| 3/4/25 |  Mosaic: The Stories of Real Estate - February 2025 Update | 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!#EfficientLending #RogueMediaNetworkMichael F Nelson, CEO - Efficient Lending, Inc.720.419.3016 or [email protected] or Mike_lendingNMLS: 1876539 NMLS: 1314188 Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. | — | ||||||
| 2/12/25 |  Mosaic: The Stories of Real Estate - January 2025 Review and Outlook | 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|[email protected] | @mike_lending NMLS: 1876539 | NMLS: 1314188 Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. | — | ||||||
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