Alberto Cruz • NMLS 484297 • Lovera Home Loans • Nexa Mortgage  |  Equal Housing Opportunity

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Market trends and monthly insights will be updated here regularly — including median price shifts, inventory levels, and days on market.

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Weekly mortgage rate context and what current movement means for buyers and refinancing homeowners.

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Industry News

HousingWireabout 2 hours ago

Don’t count on full Social Security benefits, financial planner warns

<p>Expert warns future Social Security recipients against assuming they’ll receive currently projected amounts</p>…

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HousingWireabout 2 hours ago

Trump signs executive order targeting mortgage insurance, manufactured housing and more

<p>White House fact sheet also mentions expansion of title insurance waivers, along with lower USDA and VA direct loan rates</p>…

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HousingWireabout 2 hours ago

Internal AI ecosystem a big win for independent Arizona brokerage

<p>The brokerage also created a consumer-direct mortgage tool</p>…

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HousingWireabout 2 hours ago

The 10-year yield is under 5%. Are sub-7% mortgage rates next?

<p>Thursday was a wild day, and there was some short covering in bonds </p>…

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HousingWireabout 3 hours ago

Nationwide Equities president Glenn Wallace retires after 50 years

<p>General counsel Philip Parziale will take over as president while keeping his legal role</p>…

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HousingWireabout 3 hours ago

Treasury blueprints carve-outs from ROAD&#8217;s Wall Street BTR ban

<p>The proposal calls for an 18-month window for institutional investors to buy newly built BTR communities</p>…

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HousingWireabout 3 hours ago

Why mortgage leaders are betting on home equity through 2027

<p>Executives cited $35 trillion in accumulated equity and the potential for $150 billion in 2026 originations as second liens gain attention</p>…

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HousingWireabout 4 hours ago

Most agents say CMAs will become more relevant, despite AI growth

<p>Nearly 90% of respondents said CMAs will become more relevant in the future</p>…

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HousingWireabout 4 hours ago

Mortgage executives on the importance of cost-effective labor, borrower retention amid high rates

<p>At MBA Annual, leaders discussed labor automation and client recapture as a path forward during the down cycle</p>…

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HousingWireabout 4 hours ago

Sotheby’s International Realty names Mark McLaughlin CEO, Philip White transitions to executive chairman

<p>Leadership change takes effect Nov. 1, with White shifting to executive chairman after 40-plus years with the brand</p>…

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Florida Realtorsabout 16 hours ago

Mortgage rates ease after weeks of increases

The average 30-year mortgage rate fell to 7.32% from 7.40%, marking its first decline since late August and easing borrowing costs for homebuyers.…

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Florida Realtorsabout 19 hours ago

Florida leads national snowbird rankings

Florida claims 63 of the nation's top 100 snowbird destinations, with Winter Haven and Lakeland leading as affordability and lifestyle shape winter housing choi…

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Florida Realtorsabout 19 hours ago

Reaching more buyers through other agents

Marketing listings to other agents, not just consumers, can help properties reach interested buyers through memorable details and shareable materials.…

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Florida Realtors1 day ago

Five steps to overcome real estate obstacles

At the 2026 Florida Realtors Convention Trade Expo in August, performance coach Nick Klingensmith shares a five-step approach to overcoming market challen…

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Florida Realtors1 day ago

Audit your real estate business before 2027

Reviewing transactions, lead sources and customer contacts can help agents focus their time, improve follow-up and make more informed plans for 2027.…

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Florida Realtors1 day ago

Sweet ways to turn Halloween into connections

Nextdoor’s Halloween Treat Map gives real estate agents a fun way to connect with neighbors, showcase local knowledge and build lasting community ties.…

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Florida Realtors3 days ago

Florida condo sales rise 3.1% in third quarter

Condo and townhouse sales increased in the third quarter, outpacing single-family sales as Florida's housing market adjusted to higher mortgage rates.…

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Florida Realtors3 days ago

Short videos put neighborhoods in the spotlight

A 23-second listing video shows how agents can combine home features, neighborhood favorites and creative editing to reach more potential buyers.…

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Alberto Cruz
Mortgage Strategist

Helping families and investors build wealth through smart mortgage strategy. Not a rate machine — a trusted advisor.

EHO
Equal Housing Opportunity

Alberto Cruz | NMLS ID 484297 | Lovera Home Loans | Nexa Mortgage LLC | NMLS ID 1660690

All loan estimates and calculator results are for informational purposes only and are not a commitment to lend. Rates, terms, and availability are subject to change without notice and may vary based on creditworthiness and other factors. Not all applicants will qualify.

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