The Efird Lending Team -Ameris Bank Mortgage Services

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.

06/19/2026

Curious who I work with?! 👀

YOU!

There’s probably not one profession or situation that hasn’t come across my desk in over a decade of being in the mortgage industry.🫡

Whatever your home goal is, we’ve got the solution to ensure you get into the home of your dreams!

Reach out today to get started with a pre-qualification or head to my bio to take the first step. 🔗

06/17/2026

Reviews like this never get old.💙

One of my favorite things about this job is helping people realize homeownership might be closer than they think.

When we first connected, buying a home wasn’t quite possible yet. Instead of saying “not right now” and sending them on their way, we put together a plan.

We helped them understand exactly what steps to take to improve their credit, we explored available grant opportunities, and stayed in touch throughout the process.

Fast forward to today, and they’re officially a homeowner.👏

That’s what this job is really about…

Not just getting someone to the closing table, but helping them get there with confidence and a better understanding of their options along the way.

We're here for you when you're ready! 🥂

06/16/2026

All the things 📸💻💰📲

If you know someone who works in the real estate or mortgage industry then you understand.

At any given time we’re just one text, call, or email away from closing a deal or helping our clients.

We truly work for you….and the thrill of it. 😂😜

06/15/2026

💙One of my favorite parts of this job is watching professional relationships turn into real friendships.

I’ve worked with this Realtor for years. For the last two years, we’ve been searching for the right home for her family. Every time we thought we found “the one,” something didn’t work out.

Then on a Sunday night, I got the text…they found it.🥂

We moved quickly, got the numbers together, made sure everything worked without selling their current home first, and got the offer in.

Now they’re settled into their dream home, their previous home is sold, and I couldn’t be happier for them.

Buying a home is always exciting, but it’s extra special when it’s someone you’ve cheered for through every step of the journey.👏

06/12/2026

I wish I could say that every loan was easy…😆

But every now and then we have one that just takes a lot of extra work to get through.

When the loans get tough...we get tougher! We work with you, your agent, and whoever we need to to make sure the job gets done. Today we even got on a call with another lender to see if they had options I dont have.

Luckily, I have clients that are willing to put in just as much work as I am to make sure that it gets through to the finish line.

We are always here for you!

Most people think once you apply for a mortgage, it’s just a waiting game…Truth is, a LOT is happening behind the scenes...
06/11/2026

Most people think once you apply for a mortgage, it’s just a waiting game…

Truth is, a LOT is happening behind the scenes👇

We’re reviewing your application and structuring the loan.

We’re verifying your income, assets, and employment.

We’re ordering the appraisal and title work.

We’re working directly with underwriting to get you approved.

We’re clearing conditions and keeping everything on track.

We’re coordinating with agents, title, and all parties to hit your closing date.

It’s not just paperwork, it’s a full process happening all at once to get you to the closing table.

My job is to manage all of that for you so things feel smooth on your end.

If you ever feel like “nothing is happening,” I promise something is 😄

And if you have questions along the way, always reach out!

Product of the week: Jumbo loans 🏡People hear “jumbo loan” and immediately think mansions and private gates 😅In reality,...
06/08/2026

Product of the week: Jumbo loans 🏡

People hear “jumbo loan” and immediately think mansions and private gates 😅

In reality, sometimes it just means home prices in certain markets have climbed above standard loan limits.

These loans can still have competitive options depending on the buyer and overall financial picture.

We currently have a jumbo special at 5.375% on a 30-year fixed loan (5.515% APR) with 20% down and 10% of the loan amount deposited into an Ameris CD.*

If you’re looking in a higher price range, this is a great loan to ask me about so that you know what your options are! 👏

Which loan should I do next?! ⬇️

06/05/2026

Think you can’t buy?! 😅

You might be shocked what kind of products we have! When someone comes to us, it’s our job to ease their stress when it comes to buying a home.

There are tons of options and we’re always problem solving different ways to make your home reality possible!

Reach out to get pre-qualified today, it’s your turn to be surprised. 🙌🔑

06/04/2026

Part 2 of the divorce series💍

One question that comes up a lot is whether refinancing the home makes sense if one person wants to keep it.

Sometimes it does and sometimes it’s the only option.

What I always tell people is to talk with a lender sooner rather than later.

I recently saw a situation where someone was planning to keep the home after the divorce, but later found out qualifying on a single income was going to be much harder than expected.

It didn’t change the divorce agreement, but it definitely changed what was realistic.

If keeping the home is important to you, let’s figure it out together so that you know what your options actually look like.🙌

We have multiple options for people going through divorce, reach out today so we can discuss what’s best for you.

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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