Nina Efird

Area Branch Manager, NMLS #659399

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804 Omni Blvd

Newport News, VA 23606

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757-810-3628

nina.efird@amerisbank.com

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How can I help you achieve your goals?

With 33 years of experience in the mortgage industry, Nina is a trusted leader known for her deep expertise, strong relationships, and unwavering commitment to her clients. As a seasoned veteran in both real estate and mortgage lending, she brings a well-rounded perspective that allows her to understand the needs and expectations of every party involved in the financing process.

Nina is recognized for her ability to quickly identify each client’s goals and match them with the right loan solution. She is always looking beyond a single need to consider the full picture. Whether working with first-time homebuyers, Virginia Housing (VHDA), VA or FHA borrowers, private wealth clients, physicians, or refinancing Nina approaches every transaction with care, clarity, and precision.

Throughout her career, Nina has been a consistent top producer, earning industry recognition early on as Rookie of the Year in 1993. Mortgage Team Efird has consistently ranked as the top producer in the Mid-Atlantic region for Ameris Bank, placed within the top 10 company-wide, and remained a top producer for Virginia Housing, helping countless first-time buyers achieve homeownership.

Highly respected within the real estate community, Nina has remained actively involved over the years, serving on committees for organizations such as the Virginia Peninsula Association of Realtors and the Peninsula Home Builders Association. Her contributions have been recognized with multiple honors, including VPAR Affiliate of the Year and Peninsula Home Builders Association Associate of the Year.

Known for her outgoing personality, determination, and commitment to excellence, Nina has built a career rooted in trust and long-term relationships. Her passion for helping clients navigate one of life’s most significant financial decisions continues to set her apart and has made her a valued partner to clients and industry professionals alike.

Specialties

Construction-to-Permanent Loans

First-Time Homebuyer Loan Programs

VA Loans

Awards

2020 Mortgage President's Club

2021 Mortgage President's Club

2022 Mortgage President's Club

2023 Mortgage President's Club

2024 Mortgage President's Club

2025 Mortgage President's Club

Loan Process

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Mortgage Calculators

The decision to refinance a home mortgage can involve many factors. You might want to take cash out of your home when you refinance to use for other purposes. But the most common purpose is to obtain a lower interest rate and lower monthly payments. In the latter case, the decision to refinance should be based on lowering the overall mortgage costs and breaking even on the refinance in a reasonable period of time.

Time to Refinance Home Affordability Compare Mortgage Loans Calculate a Mortgage Payment Rent or Buy Mortgage Payoff Income Required for Mortgage

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