Ernesto De La Cruz - RMLO NMLS #1487303 at Supreme Lending - NMLS 2129

Ernesto De La Cruz - RMLO NMLS #1487303 at Supreme Lending - NMLS 2129 Mortgage Loan Originator (NMLS #1487303) - Supreme Lending (NMLS #2129) Doing what you love most and being happy doing it... It’s what we all strive for.

As a Mortgage Loan Originator and Branch Processor at Keystone Mortgage, I'm allowed to do what I love most which is helping people with their desire for homeownership. Whether you are a First-Time Homebuyer, current homeowner and/or investor, I'm offered the opportunity to tackle all sorts of challenges that are thrown our way. And the satisfaction to coming up with solutions to these challenges are truly fulfilling.

WEEKLY MARKET SUMMARY | AUGUST 24 - 28, 2026🚨 MORTGAGE RATES BARELY MOVED THIS WEEK—and in this market, stability can be...
08/28/2026

WEEKLY MARKET SUMMARY | AUGUST 24 - 28, 2026
🚨 MORTGAGE RATES BARELY MOVED THIS WEEK—and in this market, stability can be good news.

Here’s the latest snapshot:
💼 Initial jobless claims fell to 203K
📊 July CPI: 3.4% YoY
📉 Core CPI: 2.5% YoY
🏦 10-Year Treasury: 4.67% Thursday
🏡 30-Year Fixed: 6.66%
🏡 15-Year Fixed: 5.98%
The big story this week isn’t a dramatic rate move—it’s stability.

Layoffs remain relatively low, inflation has cooled from June, and mortgage rates have stayed remarkably steady. Freddie Mac’s 30-year average moved only 0.01% from last week.

For buyers, that matters.
A more balanced housing market, slower price growth in many areas, and increasing inventory can create opportunities even when rates aren’t making headlines.

You don’t need to perfectly time the market—you need a financing strategy that puts you in position when the right home and opportunity come together.

Thinking about buying, refinancing or investing? Let’s run the numbers.

📲 Ernesto De La Cruz | Mortgage Loan Officer
NMLS #1487303 | Supreme Lending NMLS #2129
(214) 546-2041 | Equal Housing Lender
Rates subject to change. Educational information only. Not a commitment to lend.
Sources: U.S. Department of Labor — Weekly Claims · BLS — July CPI · U.S. Treasury — Daily Rates · Freddie Mac — PMMS

Listen up, y’all!
08/19/2026

Listen up, y’all!

DAILY MARKET SUMMARY | AUGUST 17, 2026🏡 Mortgage rates are easing—and builder incentives may be creating opportunities h...
08/17/2026

DAILY MARKET SUMMARY | AUGUST 17, 2026
🏡 Mortgage rates are easing—and builder incentives may be creating opportunities hiding in plain sight!
The national 30-year fixed average moved to approximately 6.69%, down from above 6.80% in late July. Meanwhile, builder confidence improved slightly in August, and nearly two-thirds of builders are offering incentives.

Mortgage Rate Snapshot
• 30-Year Fixed: 6.69%
• 15-Year Fixed: 6.07%
• FHA: 6.29%
• VA: 6.31%
• Jumbo: 6.85%
• 10-Year Treasury: ≈4.69%
Rates are national market averages/indices—not a loan offer. FHA, VA and Jumbo figures reflect the latest prior market close. Mortgage News Daily, WSJ Buy Side

That combination could give prepared buyers more negotiating power through price adjustments, closing-cost assistance or temporary rate buydowns. Markets remain sensitive to Treasury yields, Tuesday’s housing data and Wednesday’s Fed minutes, so timing and strategy still matter.

Market-Moving News
• The 30-year average has eased from above 6.80% in late July.
• Builder confidence improved from 34 to 35, beating expectations.
• Nearly two-thirds of builders are offering buyer incentives—potentially creating opportunities for negotiations, closing-cost assistance or rate buydowns.
• The 10-year Treasury remains elevated, keeping day-to-day mortgage pricing sensitive to inflation and geopolitical news. Reuters

Let’s compare the full opportunity—not just the advertised rate.

Ernesto De La Cruz
Mortgage Loan Officer | NMLS #1487303
Everett Financial, Inc. dba Supreme Lending | NMLS #2129
(214) 546-2041
[email protected]
Equal Housing Lender

Rates shown are market averages for well-qualified borrowers and are subject to change without notice. This is not a commitment to lend. Equal Housing Lender.

🚨 THE RATE STORY JUST GOT A LITTLE MORE ENCOURAGING FOR HOMEBUYERS.This week delivered something the mortgage market has...
08/14/2026

🚨 THE RATE STORY JUST GOT A LITTLE MORE ENCOURAGING FOR HOMEBUYERS.

This week delivered something the mortgage market has been waiting for: cooler inflation without a major deterioration in the labor market.
📉 July CPI eased to 3.4% YoY
📉 Core CPI cooled to 2.5%
💼 Jobless claims remained relatively low at 209K
📉 10-Year Treasury yields retreated following the inflation reports

🏡 Freddie Mac’s 30-year fixed eased to 6.67%, with the 15-year at 5.96%
Why does this matter?
Inflation remains above the Fed’s 2% target, so we’re not declaring victory. But the direction matters. Cooler consumer inflation, flat July producer prices and a gradually moderating labor market reduce some of the pressure that has kept rates elevated.

For buyers, this is exactly why preparation matters.

You don’t have to perfectly predict where rates go next. You want your financing strategy ready so you can take advantage when the bond market creates an opening.

The market may finally be giving buyers a little breathing room. Let’s make sure you’re ready to use it.

📲 Ernesto De La Cruz
Mortgage Loan Officer | NMLS #1487303
Everett Financial, Inc. dba Supreme Lending | NMLS #2129
(214) 546-2041
ErnestoCruzLO.SupremeLending.com
🏠 Equal Housing Lender

Rates subject to change. Educational information only. Not a commitment to lend.

DAILY MARKET SUMMARY | AUGUST 14, 2026🏡 Mortgage rates finally caught a little breathing room—and buyers should take not...
08/14/2026

DAILY MARKET SUMMARY | AUGUST 14, 2026
🏡 Mortgage rates finally caught a little breathing room—and buyers should take notice!
After several weeks of upward pressure, the average 30-year fixed rate eased to 6.67%, while the 15-year declined to 5.96%. Cooling inflation, unchanged monthly producer prices and softer retail sales helped Treasury yields retreat from their weekly highs.

Looking forward, rates may remain choppy but could carry a slight downward bias if inflation and economic growth continue cooling. Fed minutes, housing data, jobless claims, oil prices and geopolitical headlines will guide the next move.

The opportunity? Even a modest rate improvement can strengthen purchasing power. Stay prepared, keep your financing updated and be ready when the market gives us an opening.

Ernesto De La Cruz
Mortgage Loan Officer | NMLS #1487303
Everett Financial, Inc. dba Supreme Lending | NMLS #2129
(214) 546-2041
[email protected]
Equal Housing Lender

Rates shown are market averages for well-qualified borrowers and are subject to change without notice. This is not a commitment to lend. Equal Housing Lender.

Life’s a risk, carnal!
08/13/2026

Life’s a risk, carnal!

DAILY MARKET SUMMARY | AUGUST 12, 2026🏡 Good news in a volatile market: inflation is moving in the right direction. 📉Jul...
08/12/2026

DAILY MARKET SUMMARY | AUGUST 12, 2026
🏡 Good news in a volatile market: inflation is moving in the right direction. 📉
July’s CPI eased to 3.4% annually, while core inflation declined to 2.5%. That helped reduce some near-term pressure on interest rates, although daily volatility remains likely.

🏡 Today’s national averages:
• 30-year fixed: 6.72%
• 15-year fixed: 6.07%
• 10-year Treasury: approximately 4.66%

The takeaway for buyers? Don’t let headlines stop your planning. Knowing your numbers, exploring available loan options and getting prepared now can put you in a stronger position when an opportunity appears.

📲 Let’s build a strategy around your goals.

Ernesto De La Cruz
Mortgage Loan Officer | NMLS #1487303
Everett Financial, Inc. dba Supreme Lending | NMLS #2129
(214) 546-2041
[email protected]
Equal Housing Lender

Rates shown are market averages for well-qualified borrowers and are subject to change without notice. This is not a commitment to lend. Equal Housing Lender.

DAILY MARKET SUMMARY | AUGUST 11, 2026🏡 Mortgage rates improved last week—but this week is testing that progress.From Au...
08/11/2026

DAILY MARKET SUMMARY | AUGUST 11, 2026
🏡 Mortgage rates improved last week—but this week is testing that progress.

From Aug. 3–7, the average 30-year fixed rate moved from approximately 6.82% to 6.74%, despite some daily volatility. The 10-year Treasury yield also finished lower at 4.65%, helping rates end the week on a better note.

This week, momentum has shifted slightly. The 30-year fixed moved near 6.76% Monday, while the 10-year Treasury climbed toward 4.72%–4.74% this morning. Inflation concerns, energy prices and geopolitical uncertainty are keeping pressure on the bond market.

The takeaway: rates remain volatile, but last week proved improvement can happen quickly. Buyers should stay prepared and ready to act when the market creates an opening.

📲 Let’s review your financing options and build a strategy around your goals.

Ernesto De La Cruz
Mortgage Loan Officer | NMLS #1487303
Everett Financial, Inc. dba Supreme Lending | NMLS #2129
(214) 546-2041
[email protected]
Equal Housing Lender

Rates shown are market averages for well-qualified borrowers and are subject to change without notice. This is not a commitment to lend. Equal Housing Lender.

Daily Market Update | August 7, 2026🚨 THE RATE STORY MAY HAVE JUST CHANGED.Mortgage rates spent much of the week under p...
08/07/2026

Daily Market Update | August 7, 2026
🚨 THE RATE STORY MAY HAVE JUST CHANGED.

Mortgage rates spent much of the week under pressure, with Freddie Mac's 30-year average reaching 6.69%. Then came this morning's BIG surprise:
📉 July payrolls: -23,000 jobs
🎯 Forecast: about +83,000
👥 Unemployment: 4.1%
💵 Wage growth cooled
📊 Previous job gains were revised lower

The immediate reaction? Treasury yields dropped and mortgage bonds rallied—a potentially positive development for mortgage rates.

My message to buyers: don't confuse a challenging market with a market without opportunity. If the economy continues cooling, today's report could become an important turning point for rates.

The goal isn't to perfectly time the market—it's to be prepared when opportunity shows up.

Ernesto De La Cruz
Mortgage Loan Officer | NMLS #1487303
Everett Financial, Inc. dba Supreme Lending | NMLS #2129
(214) 546-2041
[email protected]
Equal Housing Lender

Rates shown are market averages for well-qualified borrowers and are subject to change without notice. This is not a commitment to lend. Equal Housing Lender.

Daily Market Update | August 6, 2026🏡 TODAY’S RATE ENVIRONMENT REWARDS PREPARED BUYERS!Mortgage rates remain below 7%, w...
08/06/2026

Daily Market Update | August 6, 2026
🏡 TODAY’S RATE ENVIRONMENT REWARDS PREPARED BUYERS!
Mortgage rates remain below 7%, with the national 30-year fixed average near 6.79%. Meanwhile, the 10-year Treasury yield eased following this morning’s economic reports—a welcome sign for rate watchers.

📊 Today’s highlights:
• Jobless claims totaled 199,000, below forecasts
• Worker productivity grew a stronger-than-expected 1.4%
• Improved productivity may help ease inflation pressure over time
• Tomorrow’s employment report could create additional rate movement

The opportunity? More inventory and negotiating leverage may help buyers offset today’s borrowing costs. Let’s compare financing strategies and build the right plan for you.

Ernesto De La Cruz
Mortgage Loan Officer | NMLS #1487303
Everett Financial, Inc. dba Supreme Lending | NMLS #2129
(214) 546-2041
[email protected]
Equal Housing Lender

Rates shown are market averages for well-qualified borrowers and are subject to change without notice. This is not a commitment to lend. Equal Housing Lender.

Address

14801 Quorum Drive, Suite 300
Dallas, TX
75254

Telephone

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