Efinity Go

Efinity Go FAST. SECURE. ON THE GO

Efinity Go makes the mortgage process simple with online, automated application, approvals and document management from any device.

Master Your Mortgage. Win the Home in One Offer! No mulligans needed when you’ve got the right mortgage strategy.Just li...
04/10/2025

Master Your Mortgage. Win the Home in One Offer!

No mulligans needed when you’ve got the right mortgage strategy.

Just like Augusta’s champions plan every swing, we help you line up every number—from pre-approval to closing—so your offer hits the green the first time.

Let’s make your homebuying game legendary.

Helping a parent sell the home you grew up in isn’t just about square footage or pricing strategy.It’s emotional.It’s la...
04/09/2025

Helping a parent sell the home you grew up in isn’t just about square footage or pricing strategy.

It’s emotional.
It’s layered.
And often, it’s not urgent—until it is.

Here’s what we see often:

• Health concerns that make stairs or maintenance harder
• You, quietly managing more tasks and decisions behind the scenes

If you’re walking that tightrope between honoring their independence and guiding the next step…

You’re not alone—and there is a thoughtful way to do this.

We support families through these transitions every week.

DM us “RIGHT TIME” if you’re starting to have the conversation.

Let’s make a plan 📋 that respects everyone involved.

What separates buyers who get the home from those who lose in multiple offers? Pre-approval.Yet only 37% of buyers get p...
04/09/2025

What separates buyers who get the home from those who lose in multiple offers?
Pre-approval.

Yet only 37% of buyers get pre-approved before house hunting. Here's what most don't realize:

1. It's 100% FREE - no application fees, no commitment
2. It takes less than 15 minutes to start online
3. The soft credit pull has no impact on your score
4. It reveals your ACTUAL budget (not just estimates)
5. It gives you negotiating power equal to cash buyers

The #1 mistake first-time buyers make?

Finding their dream home first, then scrambling for financing while another pre-approved buyer gets accepted.

Pre-approval isn't just paperwork—it's peace of mind knowing exactly what you can afford before falling in love with a home.

Our team specializes in fast pre-approvals with full verification, not just the "pre-qualification" estimates that often fall apart in underwriting.

DM us "READY" for our 15-minute pre-approval process.

No obligation, just clarity on what's possible for your homebuying journey.

🏆 NCAA title isn’t the only win worth chasing this spring.If your college senior is about to walk the stage, here’s a st...
04/07/2025

🏆 NCAA title isn’t the only win worth chasing this spring.

If your college senior is about to walk the stage, here’s a stat worth knowing:

🎓 33% of first-time buyers under 35 are using gifts or loans from family to make homeownership happen.

Whether they’re heading off to their first job, med school, or just ready for a space of their own—parents can give their kids a major home court advantage by gifting equity or helping with the down payment.

🏡 Pro tip: There are smart, legal ways to gift funds that won’t trigger tax surprises. It’s all about knowing the playbook.

Want to know how it works or what options make the most sense for your family?

Send us a DM with the word “KEY” and we’ll send you a guide.

No pressure. Just info.

Finance Tip Friday 💡 | Know Your Safety NetsFinancial protection isn’t just about saving money—it’s about protecting wha...
04/04/2025

Finance Tip Friday 💡 | Know Your Safety Nets

Financial protection isn’t just about saving money—it’s about protecting what you’ve worked hard to build.

From your health to your home, your income to your pets, each of these insurance types plays a role in helping you stay on track when life throws curveballs:

🔒 Life Insurance – Protect your loved ones’ future
💼 Income Protection – Keep income flowing during illness/injury
🧑‍🦽 Total & Permanent Disability – Long-term peace of mind
🏥 Health Insurance – Essential for rising medical costs
✈️ Travel Insurance – Don't let unexpected issues ruin your trip
🐾 Pet Insurance – Because vet bills can hit hard
🚗 Car Insurance – A legal and financial must
🏡 Home & Contents – Protect your biggest investment
🏘️ Rental Insurance – Yes, renters need protection too

✅ Pro tip: Take 15 minutes today to review your current policies.

Are there any gaps? Any outdated coverage?

Now’s the time to make sure your protection is as strong as your goals.

📩 DM us if you'd like help reviewing or optimizing your coverage with a trusted partner.

The most heartbreaking call we get: 'Remember that house I loved but thought was overpriced? Someone else bought it, and...
04/04/2025

The most heartbreaking call we get:

'Remember that house I loved but thought was overpriced?

Someone else bought it, and now there's nothing like it on the market.'

Over 20 years in mortgage lending, we've learned that buyers rarely regret the home they stretched for, but frequently regret the one that got away.

Some perspective on 'overpaying' in today's market:

1. A $15,000 price difference on a 30-year mortgage adds roughly $67 to your monthly payment
2. Meanwhile, the perfect layout, location, or school district can't be changed
3. The market recovers: Even homes purchased at 2006 peak prices were profitable investments by 2013

We've helped hundreds of buyers make confident decisions by focusing on long-term value rather than short-term price fluctuations.

Our team provides detailed analysis of:

1. Historical appreciation in specific neighborhoods
2. Renovation potential for future equity building
3. Price-per-square-foot comparisons for true value assessment
4. Long-term payment impact of different offering strategies

DM us "DREAM HOME" for a strategy session on making competitive offers without overextending yourself in today's market.

Conventional loans aren't right for everyone - but they're ideal for more buyers than most realize.The hidden truth? Abo...
04/03/2025

Conventional loans aren't right for everyone - but they're ideal for more buyers than most realize.

The hidden truth?

About 30% of our FHA buyers could have qualified for conventional loans with significant savings.

Key benefits most lenders don't emphasize:

1. No lifetime mortgage insurance (unlike FHA)
2. Lower costs for buyers with 720+ credit scores
3. Higher loan limits in most counties
4. Greater seller acceptance in competitive markets

Common misconception:
"I need 20% down for conventional."

Truth:
We regularly secure conventional loans with just 3-5% down for qualified buyers.

Private mortgage insurance (PMI) is often feared, but today's conventional PMI rates are at historic lows - and automatically drop off once you reach 22% equity.

Our team specializes in running side-by-side comparisons of all loan options to find the perfect fit for YOUR situation, not just the easiest approval.

DM us "LOAN MATCH" for a personalized comparison of conventional versus government-backed loans based on your specific financial profile.

The biggest obstacle standing between most renters and homeownership isn't the market, rates, or even their finances - i...
04/01/2025

The biggest obstacle standing between most renters and homeownership isn't the market, rates, or even their finances - it's misinformation.

Let's bust the top 3 myths we hear daily:

> MYTH 1: "I can't afford a home."
> REALITY: 72% of our first-time buyers end up with payments similar to or less than their rent. With assistance programs, many start with just 3-5% down, not the 20% most assume.
We've helped teachers, nurses, and retail employees become homeowners this year.

> MYTH 2: "My credit isn't good enough."
> REALITY: While excellent credit gets you better rates, FHA loans start at 580, and we've secured approvals for scores in the low 600s.
Our credit optimization process has helped clients gain 30-40 points in 60 days.

> MYTH 3: "It's not a good time to buy."
> REALITY: There's never a "perfect" time. Today's buyers face less competition, more seller concessions, and the ability to refinance when rates drop.
Meanwhile, rents continue climbing 5-7% annually with no equity benefit.

Our team specializes in finding creative solutions for buyers who thought homeownership was years away.

DM us "REALITY CHECK" for a personalized analysis of your situation.

No pressure - just facts about what's possible for YOU in today's market.

In today's market, HOW you structure your purchase matters as much as WHAT you buy.This comparison shows three approache...
03/31/2025

In today's market, HOW you structure your purchase matters as much as WHAT you buy.

This comparison shows three approaches to the same $500,000 home:

1. Standard purchase at market rate
2. Negotiating a $20,000 price reduction
3. Securing a seller-paid rate buydown

Notice the lifetime savings difference: $46,013 with the buydown vs. $34,998 with price reduction.

Many buyers (and some agents) focus exclusively on price negotiation, missing the potentially larger benefit of rate buydowns in today's environment.

Our team specializes in analyzing which approach makes the most financial sense based on:

1. Your down payment amount
2. How long you plan to stay in the home
3. Current seller concession trends in your target neighborhoods
4. Your long-term financial goals

DM us "STRATEGY" for a personalized analysis of which approach would save you the most.

The math is simple but painful: Most Americans who get a $10,000 raise increase their spending by $9,000.This 'lifestyle...
03/29/2025

The math is simple but painful: Most Americans who get a $10,000 raise increase their spending by $9,000.

This 'lifestyle creep' is why we see clients earning six figures who still can't qualify for their dream home.

Each income boost vanishes before it can build wealth.
Our most successful homebuyers do one thing differently: They leverage fixed-rate mortgages to lock in their largest expense while their income grows.

The result?

Every raise becomes an opportunity to build wealth rather than expand expenses.

DM us "WEALTH" for our guide on how homeownership creates the framework for true financial growth.

In today's market, buyers fixate on rates and prices, but our happiest clients focus on what matters most.A mortgage pay...
03/27/2025

In today's market, buyers fixate on rates and prices, but our happiest clients focus on what matters most.

A mortgage payment buys more than square footage – it buys the freedom to build memories that last generations.

The security of knowing no landlord can raise your rent.

The pride of having a place that's truly yours.

Yes, today's market requires strategy.

But when we help clients overcome financial obstacles, they never regret becoming homeowners.

Our team specializes in solutions that balance the numbers with what matters most to you.

DM us "HOME" to discuss your family's homeownership goals beyond just the numbers.

The truth about buying a home with damaged credit? It's absolutely possible – and might be closer than you think.After h...
03/27/2025

The truth about buying a home with damaged credit?

It's absolutely possible – and might be closer than you think.

After helping hundreds of "credit-challenged" clients become homeowners, we've mapped the exact timelines and strategies that work:

📊 The Waiting Period Reality:
Most lenders won't tell you that different loan programs have dramatically different waiting periods:

> FHA: Just 3 years after foreclosure, 2 years after Chapter 7 bankruptcy
> VA: Only 2 years after foreclosure for veterans
> Conventional: Typically 4-7 years for major events

But here's what changes everything:

These are maximums, not minimums.

With the right strategy, many clients qualify much sooner.

🔑 The Smart Recovery Path
Our most successful clients follow this proven approach:

1. Get professional analysis of your credit report (DIY fixes often backfire)
2. Create a structured payment history improvement plan
3. Focus on debt-to-income ratio alongside credit score
4. Work with lenders who specialize in credit challenges

⚠️ Critical Mistakes to Avoid

1. Don't contact creditors before having a comprehensive plan
2. Avoid maxing credit cards trying to demonstrate "good use"
3. Steer clear of new debts before applying (even "credit builder" loans)

DM us "CREDIT RECOVERY" for a confidential assessment of your specific timeline to homeownership based on your credit history.

Address

1901 Central Drive Ste 612
Bedford, TX
76021

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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