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.

📊 Daily Market Dashboard | June 11, 2026Mortgage Rate Snapshot• 30-Year Fixed: ~6.48%–6.55% • 15-Year Fixed: ~5.87%–5.92...
06/11/2026

📊 Daily Market Dashboard | June 11, 2026

Mortgage Rate Snapshot
• 30-Year Fixed: ~6.48%–6.55%
• 15-Year Fixed: ~5.87%–5.92%
• FHA: ~6.10%–6.25%
• VA: ~6.15%–6.30%
• Jumbo: ~6.75%–6.90%

🚨 Mortgage rates aren't dropping fast—but buyers may actually have MORE opportunity today than they did when rates were lower.

Today's market shows mortgage rates holding near 6.5% while inflation and strong employment data keep the Federal Reserve on pause. The good news? Inventory continues improving in many markets, giving buyers more negotiating leverage and more options. 📈🏡

Waiting for the "perfect" rate could mean missing the right home. Many experts now expect mortgage rates to remain above 6% throughout much of 2026.

If you're considering buying, refinancing, or exploring down payment assistance options, let's build a strategy that works in today's market.

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.

🚨 Mortgage Rate Watch – June 9, 2026 🚨Mortgage rates remain in the mid-6% range as markets prepare for a major week of i...
06/09/2026

🚨 Mortgage Rate Watch – June 9, 2026 🚨

Mortgage rates remain in the mid-6% range as markets prepare for a major week of inflation data.

📊 Current Snapshot:
• 30-Year Fixed: ~6.4%-6.6%
• 15-Year Fixed: ~5.9%
• FHA: ~6.35%

This week's CPI and PPI reports will be key drivers for mortgage rates. Markets are increasingly expecting the Fed to keep rates higher for longer due to persistent inflation and a strong labor market.

🏠 The good news? Housing inventory continues to improve, creating more opportunities and negotiating power for buyers.

If you're considering purchasing, refinancing, or exploring down payment assistance options, now is the time to have a strategy in place before the next market move.

📲 Questions about FHA, VA, Conventional, Jumbo, or DPA options? Let’s review what fits your situation.
________________________________________
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 RATES UPDATE – June 4, 2026 📊🏡 Rates are still elevated, but demand hasn’t disappeared.Today’s mortgage m...
06/04/2026

📊 DAILY MARKET RATES UPDATE – June 4, 2026 📊

🏡 Rates are still elevated, but demand hasn’t disappeared.

Today’s mortgage market is being pulled between stronger service-sector activity, steady job growth, and inflation pressure that continues to keep bond markets cautious.

Rate Snapshot
• 30-Yr Fixed: 6.61%
• 15-Yr Fixed: 6.13%
• FHA: 6.14%
• VA: 6.16%
• Jumbo: 6.70%

Market Drivers
• 10-Year Treasury: around 4.46%–4.48%, slightly lower today.
• MBA mortgage applications fell 2.5% for the week ending May 29.
• ADP showed 122,000 private-sector jobs added in May, with annual pay up 4.4%.
• ISM Services improved to 54.5%, showing continued expansion, but prices remain elevated.
• Jobless claims rose to 225,000, still within a relatively stable labor-market range.

Mortgage applications dipped last week, but Freddie Mac noted that pending home sales have increased three months in a row — a sign buyers are still watching closely and may move quickly if rates ease.

For buyers, this is still a strategy market: payment, program fit, seller concessions, and timing all matter.

📲 Questions about FHA, VA, Conventional, Jumbo, or DPA options? Let’s review what fits your situation.
________________________________________
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 RATES UPDATE – June 3, 2026 📊🚨 Buyers may have more opportunity right now than many realize.Mortgage rate...
06/03/2026

📊 DAILY MARKET RATES UPDATE – June 3, 2026 📊

🚨 Buyers may have more opportunity right now than many realize.

Mortgage rates have remained relatively stable, inventory continues improving, and purchase demand is staying surprisingly resilient. While affordability is still a challenge, today's market offers more options and negotiating power than we've seen in recent years.

📈 Market Snapshot
• 30-Year Conventional: ~6.18% – 6.34%
• 15-Year Conventional: ~5.45% – 5.65%
• FHA: ~5.78% – 5.95%
• VA: ~5.82% – 5.99%
• Jumbo: ~6.28% – 6.48%

Market Indicators
📉 10-Year Treasury: Trending modestly lower
🏡 Purchase Demand: Holding steady despite affordability pressures
📦 Housing Inventory: Continuing to improve nationally
💳 Consumer Credit: Elevated but stable
📊 Inflation Outlook: Gradual moderation continues

📊 JUNE 3 MARKET SNAPSHOT
• 30-Year Fixed: Low-to-mid 6% range
• FHA & VA: Remaining competitive
• Housing Inventory: Improving
• Inflation: Continuing to moderate
• Treasury Yields: Trending lower
• Purchase Demand: Holding steady

The combination of stable rates and growing inventory could create opportunities for buyers who have been waiting on the sidelines.

If you're considering buying, refinancing, investing, or planning your next move, let's review your options and build a strategy that fits 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 RATES UPDATE – May 27, 2026 📊📉 Mortgage rates continue trending modestly lower — and that could create ne...
05/27/2026

📊 DAILY MARKET RATES UPDATE – May 27, 2026 📊

📉 Mortgage rates continue trending modestly lower — and that could create new opportunities for buyers heading into summer.

As inventory improves and rate volatility begins to settle, many buyers are finding more negotiating power and additional homes to choose from compared to earlier this year.

📈 Market Snapshot
• 30-Year Conventional: ~6.20% – 6.35%
• FHA: ~5.80% – 5.95%
• VA: ~5.85% – 6.00%
• Jumbo: ~6.30% – 6.50%

📊 TODAY’S MARKET DASHBOARD
• Conventional Rates: Trending in the low 6% range
• FHA & VA: Remaining competitive financing options
• Treasury Yields: Holding relatively stable
• Inventory Levels: Continuing to improve
• Inflation Outlook: Gradually moderating

For buyers, sellers, and investors, staying informed on market movement can help create stronger financing and real estate strategies.

Questions about today’s market, affordability, or loan options? I’m always happy to help.
________________________________________
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 RATES UPDATE – May 26, 2026 📊📉 Mortgage rates are showing modest improvement again — and buyers are begin...
05/26/2026

📊 DAILY MARKET RATES UPDATE – May 26, 2026 📊

📉 Mortgage rates are showing modest improvement again — and buyers are beginning to take notice.

As Treasury yields stabilize and inventory continues improving, today’s market may offer more opportunity and flexibility than many buyers experienced over the past year.

📈 Market Snapshot
• 30-Year Conventional: ~6.25% – 6.40%
• FHA: ~5.85% – 6.00%
• VA: ~5.90% – 6.05%
• Jumbo: ~6.35% – 6.55%

📊 TODAY’S MARKET DASHBOARD
• Conventional Rates: Trending in the low-to-mid 6% range
• FHA & VA: Remaining competitive for qualified borrowers
• Inventory Levels: Slowly improving in many markets
• Inflation Outlook: Continuing to moderate
• Purchase Demand: Still holding resilient

For buyers, this could mean better negotiating opportunities and more homes to choose from heading into summer. For homeowners and investors, it’s a great time to review financing strategies and long-term goals.

Questions about financing options, affordability, or current market conditions? I’m always happy to help.
________________________________________
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 RATES UPDATE – May 22, 2026 📊📉 Rates are showing modest improvement heading into the weekend — and buyers...
05/22/2026

📊 DAILY MARKET RATES UPDATE – May 22, 2026 📊

📉 Rates are showing modest improvement heading into the weekend — and buyers are noticing.
As inventory slowly builds and mortgage rates stabilize, many buyers who paused earlier this year are beginning to re-enter the market. While affordability remains important, today’s environment may provide more negotiating power and financing flexibility than we’ve seen in recent years.

📈 Market Snapshot
• 30-Year Conventional: ~6.30% – 6.45%
• FHA: ~5.90% – 6.05%
• VA: ~5.95% – 6.10%
• Jumbo: ~6.40% – 6.60%

📊 TODAY’S MARKET DASHBOARD
• Conventional Rates: Low-to-mid 6% range
• FHA & VA: Remaining competitive for qualified buyers
• Treasury Yields: Slightly lower today
• Purchase Demand: Holding stronger than expected
• Inflation Outlook: Continuing to moderate gradually

For buyers, sellers, and referral partners, staying informed on market movement can make a major difference in strategy.

If you’d like to review financing options, payment scenarios, or current market opportunities, I’m always happy to help.
________________________________________
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 RATES UPDATE – May 21, 2026 📊📉 Mortgage rates are holding steadier — and that’s giving many buyers a seco...
05/21/2026

📊 DAILY MARKET RATES UPDATE – May 21, 2026 📊

📉 Mortgage rates are holding steadier — and that’s giving many buyers a second look at the market.
Inventory is slowly improving, competition remains more balanced than recent years, and buyers are starting to re-engage as rates stabilize. While affordability is still a factor, today’s market may offer opportunities that didn’t exist just a few months ago.

📈 Market Snapshot
• 30-Year Conventional: ~6.35% – 6.50%
• FHA: ~5.95% – 6.10%
• VA: ~5.99% – 6.15%
• Jumbo: ~6.45% – 6.65%

📊 TODAY’S MARKET DASHBOARD
• Conventional Rates: Mid-6% range
• FHA & VA: Continuing to offer competitive financing options
• Purchase Demand: Still showing resilience
• Inflation Trends: Moderating gradually
• Housing Supply: Improving in several markets

Whether you’re planning to buy, refinance, invest, or simply explore your options, understanding the market is key.

Have questions about financing or today’s mortgage environment? I’m always happy to help.
________________________________________
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 RATES UPDATE – May 20, 2026 📊WHAT YOU NEED TO KNOW• Mortgage rates continued to stabilize after recent vo...
05/20/2026

📊 DAILY MARKET RATES UPDATE – May 20, 2026 📊

WHAT YOU NEED TO KNOW
• Mortgage rates continued to stabilize after recent volatility, giving buyers a better opportunity to re-enter the market.
• Treasury yields moved slightly lower as investors reacted to softer inflation expectations and mixed economic data.
• Purchase demand remains resilient despite affordability challenges, with spring inventory improving across many markets.
• Consumer credit usage remains elevated, signaling many households are still balancing higher living costs and debt obligations.
• Markets are watching upcoming Fed commentary closely for additional clues on possible rate direction heading into summer.

📈 Market Snapshot
• 30-Year Conventional: ~6.39% - 6.55%
• FHA: ~5.99% - 6.15%
• VA: ~6.00% - 6.20%
• Jumbo: ~6.50% - 6.70%

Rates are market averages, assume well-qualified borrowers, and are subject to change without notice. This is not a commitment to lend.

📊 MARKET SUMMARY
• Conventional Rates: Trending in the mid-6% range
• FHA & VA: Still offering competitive options
• Purchase Demand: Holding stronger than expected
• Inflation Outlook: Moderating, but still being monitored closely

For buyers, this market may offer more negotiating power and less competition than we saw during peak years. For homeowners, now is a great time to review refinance, equity, or move-up options.

Questions about today’s market or loan programs? I’m always happy to help.
________________________________________
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 are subject to change at any time and depend on individual qualifications. This is for informational purposes only and not a commitment to lend. Equal Housing Lender.

📈 12-Month Mortgage Rate Trend Overview (May 2025 → May 2026)Over the past 12 months, mortgage rates have remained eleva...
05/19/2026

📈 12-Month Mortgage Rate Trend Overview (May 2025 → May 2026)
Over the past 12 months, mortgage rates have remained elevated but have gradually improved from the highs seen in mid-to-late 2025 before rebounding again during Spring 2026 as inflation concerns and Treasury yields moved higher.

Estimated National Average Rate Trends
Month Conventional 30Y FHA 30Y VA 30Y
May 2025 6.81% 6.35% 6.20%
Jun 2025 6.78% 6.30% 6.15%
Jul 2025 6.72% 6.25% 6.10%
Aug 2025 6.69% 6.22% 6.05%
Sep 2025 6.61% 6.15% 5.98%
Oct 2025 6.55% 6.10% 5.95%
Nov 2025 6.48% 6.05% 5.90%
Dec 2025 6.21% 5.85% 5.72%
Jan 2026 6.16% 5.82% 5.70%
Feb 2026 5.98% 5.72% 5.60%
Mar 2026 6.22% 5.92% 5.80%
Apr 2026 6.30% 6.00% 5.92%
May 2026 6.36%–6.58% ~6.10% ~6.00%

📊 Key Takeaways
• Rates improved steadily from late 2025 into early 2026 before rebounding this spring.
• FHA and VA rates consistently remained lower than Conventional financing.
• Treasury yield volatility and inflation concerns drove much of the recent upward pressure.
• February 2026 marked the lowest average rates seen over the past 12 months before rates reversed upward again.
🏦 Current Market Context
• Conventional rates are currently averaging in the mid-6% range nationally.
• FHA and VA financing continue offering lower-rate advantages for eligible borrowers.
• Markets remain highly sensitive to inflation data, Federal Reserve expectations, and Treasury yields.
Sources: Freddie Mac PMMS, Mortgage News Daily, FRED Economic Data


________________________________________

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

Disclaimer: This post is for educational purposes only and is not a commitment to lend. Rates, programs, and guidelines are subject to change without notice. Not all borrowers will qualify. Equal Housing Lender.

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Dallas, TX
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