Sergio Michel Mortgage NMLS #2023203

06/12/2026

You can have the credit score. The down payment. The pre-approval letter. The loan can still fall apart. Not because of you. Because of the building. click the link to learn more.

You can have the credit score. The down payment. The pre-approval letter. The loan can still fall ap...

06/12/2026

Many buyers wait for a "better" time to buy, but housing markets don’t always move as expected. A lower home price can help affordability, but higher interest rates may increase monthly payments enough to offset those savings. At the same time, rising home values and limited inventory can make homes more expensive over time, while waiting may mean missing out on equity growth.

Instead of trying to perfectly time the market, focus on whether buying makes sense for your finances, timeline, and long-term goals today. I can help you evaluate your options and create a strategy that fits your needs.

06/11/2026

https://sergiomortgage.com/socialposts/mortgage-approval-documents-know-before-you-apply?v=0d38d30a

Most buyers think the hard part is finding the house. It's not. It's showing up unprepared and watch...

06/08/2026

If you need a Realtor I know some great ones!! comment Realtor if you need a connection

Most buyers spend more time picking a restaurant than picking the person who negotiates the biggest...

06/08/2026

When you buy a home, you're buying more than just a place to live. Investing in real estate turns your monthly housing cost into ownership, where each payment builds equity and strengthens your financial position over time through payoff and potential appreciation. For buyers, it’s a shift from paying rent to building long-term wealth with every payment. Questions about how to get started? Reach out and I can help you build a plan that fits your goals.

06/05/2026

https://sergiomortgage.com/socialposts/the-appraisal-came-in-high-now-what?v=4f0d159a

You already know a good deal when you see one. What most buyers don't realize is that the appraisal...

06/05/2026

Your debt-to-income (DTI) ratio plays a major role in the mortgage process. DTI adds up obligations like credit cards, auto loans, student loans, and your projected housing payment, then divides that total by your gross monthly income. A lower ratio generally provides more flexibility, but acceptable limits can vary depending on the loan program and your overall financial profile. Knowing your DTI early can help you understand your budget, strengthen your buying power, and prepare for a smoother homebuying experience. Questions about your options? Let's connect.

06/01/2026

https://sergiomortgage.com/socialposts/the-wealth-ladder?v=aaff6c76

Most people already know rent builds a landlord's wealth. What many do not realize is that homeowner...

05/27/2026

Doing a short presentation on real estate investments this Friday, May 29. Comment YES if you want to attend.

The IRS pretends your rental property falls apart over exactly 27.5 years. This lets you write off a...

05/22/2026

https://sergiomortgage.com/socialposts/underwater-on-your-mortgage-short-sale-explained?v=868989e7

A short sale happens when a lender agrees to let a home sell for less than the amount owed on the mo...