Smart Lending, Fast Closings, Real Options
Welcome to EfficientHomeBuying.com — Where real estate and lending unite for your advantage. We bring multifaceted government, non traditional & conventional mortgage programs, for all credit score and income levels, benefit from in-house realtors/insurer and cost saving closing tools directly at your fingertips.
Explore Our Mortgage Programs
FHA / VA / USDA
Low down payments. Credit from 500. Ideal for first-time buyers & veterans.
Conventional Loans
Great rates for solid credit buyers. Up to $766K — even higher in high-cost areas.
Self-Employed / Non-QM
No tax returns. Use 1099s, bank statements or assets. True freedom for entrepreneurs.
Hard Money / Investor
Buy, flip, rehab or hold. Close fast. Perfect for property investors.
Multi-State Experts
Relocating or buying across borders? Our approvals travel with you.
Jumbo & High-Balance
Loans up to $6M. Flexible terms. No MI. Concierge-level closings.
Most big banks show 3–4 mortgage programs. We offer 150+ across wholesale, retail, and private options — and partner with experienced agents & processors across multiple states.
We help you win the property you want — faster. Our clear-to-close process positions you as the strongest buyer with one of the fastest platforms in the U.S. Our in-house realtors help you save thousands in closing costs and contract negotiations.
Whether you're a first-time buyer, investor, or relocating for a job opportunity, EfficientHomeBuying.com ensures you’re approved, positioned, and protected.
Call Us Today: 855-372-3066
Open Daily — Multistate — Se habla Español.
Start Now – Fast Pre-Approval
Click below or scroll up to select a loan program to learn more and connect instantly with a licensed strategist.
Better Than Your Bank or Realtor Referral
We give you the funding edge, real support, and full-service real estate assistance — all from one powerful digital platform.
www.EfficientHomeBuying.com
Rashad Carmichael rcarmichael@amres.com
Loan Officer | NMLS# 1453799
rcarmichael@amres.com | Daily Multi-State Call Centers Toll Free(855)372-3066
https://www.amres.com/mlo/rashadcarmichael
Amres Corporation | NMLS #1359704
(844)242-6656
1 Neshaminy Interplex Dr. Suite 310, Trevose PA, 19053
For licensing information, go to http://www.nmlsconsumeraccess.org
