https://www.facebook.com/101547452511564/

TXChandler

NMLS #2277147 Supreme Lending, one of Texas’s most respected Mortgage Lenders, was established in 1999 by Scott Everett.

Supreme has grown to over 200 branches throughout the United States as a full service mortgage lender with multi-state licenses. We take pride in offering our customers a wide variety of loan products and commitment to helping them achieve their dream of homeownership.

02/09/2026

Yes, rates are declining, but dang it is slow! The cost of waiting is high during this period.

02/01/2026

Data showed inflation cooling, but the economy continues to move unevenly. Rates ticked higher after Kevin Warsh, viewed as an inflation hawk, was named as the next Fed Chair, as markets priced in a potentially firmer stance on inflation. That mix is keeping mortgage rates range-bound for now—no big drop, but no breakout higher either.

01/12/2026

Buyers are quietly getting more help from the economy. Falling rents, slowing job growth, and policy shifts aimed at lowering long-term rates are creating a more favorable backdrop for housing as we head into 2026. I expect rates to continue to fall, but not so much that a buyer should wait. The monthly difference between 6.2 and 6.1 is small.

01/03/2026

Buyer demand is picking up, but prices and the job market are keeping things grounded. That’s why mortgage rates stayed in check even with Fed uncertainty. This week showed a housing market that’s waking up just as affordability finally starts to improve going into 2026.

12/22/2025

After last week’s Fed cuts, mortgage rates did start to move up. But then, this week’s data confirmed why the Fed cut rates. Jobs weakened further, unemployment rose to 4.6%, and inflation cooled sharply with Core CPI down to 2.6%. Bonds reacted favorably, helping mortgage rates move near their lowest levels since October. Bottom line: the risk is shifting away from higher rates, but progress will likely be gradual, not dramatic.

12/14/2025

The Fed cut rates this week, but not a green light for mortgage rates. Vote was split. Powell cited growing uncertainty in the employment data. The bond market wasn’t convinced, with long-term yields moving higher as inflation concerns persist. Bottom line: waiting for lower rates is risky. If buyers are ready and have found the right home, this market favors ex*****on over speculation.

12/08/2025

Weak labor numbers are piling up, layoffs are rising, and consumer confidence has slipped again. With September PCE drifting lower and October data lost to the shutdown, the Fed is heading into December with limited visibility and pressure to act.

Markets are already positioned for a December cut. Rates tend to move before the announcement. The tricky part is what happens after. Fed cuts often bring a short bounce before the trend settles.

11/30/2025

Lots of shifting signals this week. The odds of a December Fed funds rate cut have surged to the mid-80% range after weak labor data and continued erosion in consumer confidence. The Fed funds rate doesn’t directly set mortgage rates, but it affects bond yields and liquidity in the system, which in turn drives MBS pricing where mortgage rates originate. If the Fed takes its foot off the brake, mortgage bonds usually benefit.

Historically, mortgage rates tend to decline in advance of a widely-expected cut as markets front-run the move. But immediately after the actual announcement, markets often snap back and rates bounce slightly higher short-term as traders take profits and reposition. The bigger trend still leans toward easing, but the timing can be counterintuitive.

The line chart in the graphic comes from Federal Reserve reporting on rate averages by week. I’ll continue tracking data releases as we build toward the December 10 Fed meeting. The market is clearly positioning for easing, but the Fed has a history of late-cycle unpredictability… so staying systematic and grounded in the data matters.

11/24/2025

I dig the economics of mortgage rates. I track Fed signals, bond markets, inflation data, QT shifts, and housing economics so I can save your clients every nickel possible.

11/17/2025

It was a wild week in the economy with the government re-opening, no October data for the first time since BLS reporting started. Rates are still adrift after Powell’s hawkish comments 2 weeks ago about a December cut. I’m 60% likelihood of a cut, mainly because of such a weak labor market. In other news, Bill Pulte, Director of the Federal Housing Finance Agency (FHFA) floated the idea of 50-yr mortgages, which infers higher interest rates (just as 30yr are higher than 15yr) and significantly higher total interest costs.

11/08/2025

With Jay Powell's hawkish signals the week before, rates moved sideways. I expect them to start dribbling down again in the coming weeks, but lots of economy concerns remain, especially with layoffs, government shutdown, and tariffs.

11/06/2025

Leigh and I were open house touring last weekend. Besides the enthusiasm and knowledge of the home, this agent was over the top and passionate about her signage and craft. Hard to see, but there are another 25 signs flanking the sidewalk.

Address

15851 N. Dallas Parkway, Suite 700
Addison, TX
75001

Telephone

+12146745558

Website

facebook.com

Alerts

Be the first to know and let us send you an email when TXChandler posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Want your business to be the top-listed Finance Company in Addison?