The Efird Lending Team -Ameris Bank Mortgage Services

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The Efird Lending Team -Ameris Bank Mortgage Services Our goal is to provide the best in mortgage rates, service and knowledge! NMLS 659399 and 659400 She has also been honored as a top producer since 2004.

Nina:
A seasoned veteran in the mortgage field, Nina brings more than 20 years of experience to her clients. With her vast experience in real estate and mortgages, she has the unique ability to understand the expectations and needs of all parties involved in the mortgage financing process. Nina is known throughout the community for her ability to quickly identify and match each individual's goals with the appropriate loan products and ensure that her clients' needs and expectations are met. Her extensive knowledge and experience are not all she has to bring to the table. Nina's outgoing personality and determination push her to the forefront of the financing industry. She is proud to be closely connected to the Virginia Peninsula Association of Realtors (VPAR) and works to support their involvement with the community. Nina began her mortgage career with a bang receiving Rookie of the Year in 1993. She has been a consistent Top Producer throughout the years and in 2009 Nina was honored as #1 in her company for VA loan transactions. Over the past 20 years Nina has learned to not only focus on one need a customer may have, but all aspects of the mortgage financing process. Whether her client is a first time home buyer (VHDA, VA, FHA), a private wealth customer or Physician, or simply refinancing an existing mortgage, Nina understands the importance of her customers' needs during this significant decision in their life. Working to continually be involved in the Real Estate community, Nina has served on the VPAR Risk Management Committee for the past 11 years. She is also currently on the Board of Directors for the Peninsula Home Builders Association. She has received numerous prestigious awards including 2003 VPAR's Affiliate of the Year and the 2008 Peninsula Homebuilders Association's Associate of the Year. Nina graduated from Lenoir Rhyne College with a BS in Medical Technology and obtained her MT Certificate from Duke Medical Center. After years of being a medical technologist and starting a family, Nina was drawn to the flexibility and future potential growth of the Real Estate industry and has never looked back. Courtney:
Courtney graduated Magna Cum Laude from the University of South Carolina in December 2007 with Bachelor’s degrees in both Entrepreneurial Management and Marketing. Upon graduating she began her professional career working as a corporate communications associate for a local government contractor. During her time with the firm, she utilized her public relations skills to help develop the company’s employee base from 100 to over 275. She continued her contributions outside of the office, serving as the Compliance Chairman for her company’s Foundation as well as participating in several community charity events on her company’s behalf. In 2009, already being active in the Virginia Peninsula Chamber of Commerce, Courtney chose to make it her career to be in touch with her community as she joined Nina in the mortgage lending industry. In this field Courtney was able to leverage her high level experience and education to reach and serve a diverse customer base. She quickly became a trusted source for her customers and colleagues for accurate and prompt information. In 2012 Courtney joined Fidelity Bank Mortgage, helping the bank make its first appearance in southeast Virginia. As Courtney expands her knowledge and experience in the mortgage field, she continues to make it a priority to serve both the civilian and large military populations here in southeast Virginia. With Courtney’s natural drive to deliver quality service, education and connect with others; she looks to continue to help make Fidelity Bank Mortgage the top choice for mortgage lending in Hampton Roads.

11/04/2026

Some clear to closes are easy…and some are HARD with a capital H. 👏😂

While we love a nice, clean, easy file, there is also something so satisfying about getting a hard one through.

The ones that take a little more work definitely make that clear to close hit differently. 😂

But no matter what it took to get there, the excitement is always the same.

We love it!!! 👏🏡

10/30/2026

There are a few things we’re happily ghosting this October. 👻

One thing I don’t want you ghosting? Your lender the second you leave the closing table. 😂

Find a local lender you trust enough to call when you’re thinking about your next move, when life changes, or when you simply have a question and aren’t sure who else to ask.

You shouldn’t have to start over with a stranger every time homeownership takes you somewhere new.

I want to know your story, be there for the next chapter, and still be the person you call years after closing.

That’s what lender for life means to me. 💙

10/29/2026

There is a very specific level of patience required when I tell you I need a document ASAP and then spend the next 12 minutes refreshing my inbox. 😂

I promise I’m not trying to rush you for fun. When I ask for something quickly, there is usually someone on the other side of your loan waiting for it so we can keep things moving.

So yes, I got your “sending it now!” text.

And yes, I have checked my email six times since then. 😂

10/28/2026

Working in mortgages in 2026 has been…an experience. 😂

Rates are high. Houses are sitting longer. Buyers are watching their payments. Sellers are having to think differently.

So we’re getting creative.🤝

We’re looking at seller credits differently, talking about temporary buydowns, and finding financing strategies that may not have mattered as much as they did a few years ago.

It’s definitely keeping me on my toes🙃

A mental breakdown keeps trying to catch me, but unfortunately for her, I have loans to close. 😂

10/27/2026

Realtor friends…if your listing is sitting and your seller is immediately thinking price reduction, call me first 📲

Sometimes that money can do more for the buyer as a seller credit than it does coming off the sales price.

A $10,000 price reduction may only change the buyer’s payment by around $70 a month. That same $10,000 offered as a seller credit could potentially be used toward a temporary rate buydown and make a much bigger difference in their payment upfront.

Every deal is different, so let me run the numbers for you.

Before we automatically drop the price, let’s see what might actually get a buyer more excited about making an offer. 👏

10/26/2026

Before you shop…close ✅🔑

Please do not celebrate your new house by financing the new couch, opening a credit card for the appliances, or buying the car you’ve had your eye on.

Until those keys are officially yours, I need you to keep your finances as boring as possible.

If you’re about to buy something and find yourself wondering, “Do I need to ask Courtney about this?”

Yes, please call me first. 👏

10/24/2026

The real crime is the current real estate market🫠

10/24/2026

Mark October 28th on your calendar 👀

The Fed meets next week and I know the first question I’m going to get is…“Courtney, what does this mean for rates?!” 😂

I’ll be watching what happens and what the mortgage market does after the announcement.

So save the date! I’ll come back and tell you what you actually need to know for your homebuying plans.

10/22/2026

Your rate matters, but your payment is what you’ll actually live with every month💰

Instead of focusing only on the rate, let’s talk about what monthly payment feels comfortable for you.

Then we can work backwards and look at your options.

The goal is a payment that still feels good after you get your keys! 🏡

10/21/2026

If you’re in the industry you get it. If you’re trying to buy a house you get it.🤪🙃

Address

804 Omni Boulevard, Suite 103, Newport News, VA 23606
Newport News, VA
23606

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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