Courtney "CK" Efird

Mortgage Banker, NMLS #659400

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5703 Patterson Ave

Richmond, VA 23226

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757-810-2619

courtney.efird@amerisbank.com

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How can I help you achieve your goals?

Courtney has been in the mortgage industry for 16 years and has built her career on trust, relationships, and results. Having grown up in a real estate family, she developed an early understanding of the home buying process and has been committed to helping clients navigate it with confidence ever since.

Based in Richmond since 2008, Courtney has strong ties throughout the region, including close collaboration with the Newport News office, allowing her to serve clients across multiple markets with a deep understanding of local needs. She is known for her ability to create clear, customized lending strategies that align with each client’s goals and never uses a one-size-fits-all approach.

Courtney consistently ranks among the top performers in her company and was recognized as the #4 loan officer company-wide in 2025. She has also earned a place in the President’s Club every year of her career, a reflection of both her production and her commitment to exceptional service.

With access to a wide range of loan products from first-time homebuyer programs to renovation, construction-to-permanent, and health care loans Courtney is able to grow alongside her clients through every stage of life. Her passion for people and long-term relationships is at the core of her business, turning first-time borrowers into clients for life.

Specialties

Construction Financing

First-Time Homebuyer Loan Programs

Renovation Loans

VA Loans

Awards

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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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.

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