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Sergio Michel Mortgage NMLS #2023203

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United States
San Jose, CA
Sergio Michel Mortgage NMLS #2023203

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Mortgage Loan Originator focusing on saving you money

09/29/2026

These question are popping up more and more. Let’s talk about it!

Explore the real monthly cost of homeownership so you can shop with clarity, confidence, and a budget that supports your life.

09/25/2026

A VA loan is about a lot more than zero down and no monthly mortgage insurance. Your benefit can potentially be used more than once, and with full entitlement,

Discover VA loan benefits beyond zero down, including no monthly mortgage insurance, flexible credit guidelines, multi-unit properties, assumable loans and more.

09/18/2026

Adjustable-rate mortgages are getting a second look—and the data explains why. Let's talk about it

Discover why home buyers are switching to ARMs in 2026 to unlock lower introductory rates, build equity faster, and save thousands

09/16/2026

Is 7% the new normal? It is too early to say. But waiting for 6% could mean waiting longer than expected. Mortgage rates are not controlled directly by the Fed. Let’s talk!

Understand why mortgage rates may stay near 7% and what buyers should consider before waiting for 6%

09/14/2026

If you have felt priced out or outbid lately, you are not imagining it. Home prices are up nearly fifty percent from five years ago.

A trusted mortgage professional breaks down the 2026 ROAD to Housing Act and what it really means for homebuyers, without the hype.

09/11/2026

Buying a home is like planting an oak tree. You test the soil and set deep roots before the first branch grows.

Trusted mortgage guidance for 2026 first time buyers covering preapproval, rate strategy, and compliance smart steps to close with confidence.

09/08/2026

There is no magic DTI number that guarantees mortgage approval. Think of DTI like a bridge weight limit. The higher the financial load, the more important the strength of the entire application becomes.

Understand how DTI can affect mortgage qualification and what 2026 guidelines mean for homebuyers.

09/08/2026

The MBS Highway National Housing Index continued its downward trend in September, falling from 27 in August to 22. The index has now declined for four consecutive months after reaching a seasonal high of 47 in May. Both buyer activity and home price direction weakened from the previous month

09/01/2026

Fed Chair Kevin Warsh’s Jackson Hole speech was not the rate cut signal some were hoping for. His message was more nuanced and, for the housing market, important.

Fed Chair Kevin Warsh’s Jackson Hole speech offers important clues about inflation, interest rates and what they could mean for homebuyers and sellers.

08/24/2026

Setting a high initial price to leave negotiation room is like throwing a net into empty waters while the biggest school of fish swims right past.

Learn how pricing your home right from day one captures maximum buyer momentum and avoids the stale listing trap.

Address

San Jose, CA
95112

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+14088562770

Website

https://sergiomortgage.com/

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