Weekly Milpitas Housing Update: Rates, Trust Guidance, and Recent Closings with Debbie Giordano 1-26-2026

Milpitas Real Estate | Best Realtor in Milpitas

Debbie Giordano –

I’m Debbie Indihar Giordano of Master Brokers. Welcome to my weekly update January 26th.

Hello everybody, I’m Debbie Indihar Giordano of Master Brokers. Welcome to our weekly update.

🏡 MARKET HIGHLIGHTS

• Mortgage rates ticked slightly higher but remain within a stable range
• The Federal Reserve meeting this week may influence future rate direction
• Two-bedroom homes continue to attract a narrower buyer pool
• Well-priced Milpitas homes are still receiving multiple offers
• Early spring activity suggests a competitive season ahead

Milpitas Real Estate Market Update – January 26, 2026

By Debbie Indihar Giordano, Master Brokers

Hello, this is Debbie Indihar Giordano with Master Brokers. As we move through the season, I want to share a clear snapshot of what’s happening right now in the Milpitas real estate market—from interest rates to pricing trends and recent buyer activity.

Interest Rates & Buyer Considerations

As January comes to a close, the Milpitas real estate market is showing steady momentum. From interest rates to buyer activity, there are several important factors homeowners and buyers should be paying attention to right now.

Interest Rates & the Fed

Mortgage rates have edged up slightly from last week, with 30-year fixed conforming loans hovering around 6.375%. With the Federal Reserve meeting this week, all eyes remain on how economic indicators may influence future rate decisions and buyer confidence.

Trusts, Title & Property Transfers

Many Milpitas homeowners hold property in trusts, especially when planning for long-term ownership or inheritance. Title companies require trust documentation to confirm the correct successor trustee is signing. While this can feel intrusive, it’s a critical step in ensuring a clean and legal transfer.

A common misconception is that a power of attorney replaces the need for trust documentation. In most cases, it does not. Verifying vesting early can prevent delays and help ensure property transfers smoothly — often without triggering unnecessary taxes.

Recent Milpitas Sales

A recent sale at 650 Folsom Circle highlights how property type impacts buyer demand. While the home was beautifully updated, its two-bedroom layout naturally limited the buyer pool. Still, the right buyer came along, proving that strategic pricing and presentation matter.

On the higher end, a five-bedroom Milpitas home recently closed well above list price after multiple offers — even in a price range with limited comparables. Strong preparation, market knowledge, and buyer confidence made the difference.

Looking Ahead to Spring

Several new listings are in preparation, including homes in Milpitas and San Jose. As spring approaches, sellers who plan early and understand current market dynamics are positioning themselves for success.

Conclusion

The Milpitas market continues to reward informed decisions. Whether you’re navigating interest rates, preparing a home for sale, or dealing with trust-related questions, having experienced local guidance makes all the difference.

If you’d like personalized insight for your situation, I’m always happy to connect.

Connect with me

Whether you’re planning to buy, sell, or simply stay informed, understanding the local Milpitas market is key to making confident decisions. With interest rates stabilizing and buyer demand remaining strong, early planning can make a meaningful difference.

If you’d like personalized insight on your home or want to discuss a strategy for 2026, I’m always happy to help.

Give me a call, 408-945-8988, or send me an email, Giordanodj@aol.com. And of course you can always visit my website, www.DebbieGerardino.com. There’s a connect, tab me and it’ll just zoom right into me and we’ll be able to get together. I’m ready to go to work for you.

4 Signs that 2026 will be Different for Buyers

The 2026 housing market is starting from a different place than last year.

Inventory is up 13%.

Price growth is easing.

Mortgage rates finally dropped below 6% last Friday (1/9/2026).

And the median U.S. monthly housing payment just fell to the lowest level in 2 years. (Redfin)

There’s a reason buyers are moving now, and judging by the demand I’ve seen even this week, they’re not all waiting for spring.

I’ll send you another update soon as we track how these trends unfold.

P.S. It’s still early in the year, but there are reasons for buyers to be optimistic. I’m always here if you have any questions.

Interest Rates – Up to the minute information on the Milpitas real estate market.

Interest rates have edged up slightly from last week.

• 30-year fixed conforming: 6.375%

• 15-year fixed conforming: 5.625%

• 30-year fixed jumbo: 6.45%

• 15-year fixed jumbo: 5.875%

The Federal Reserve is scheduled to meet this Wednesday. After some stock market fluctuations last week, we’re seeing recovery today. The Fed will be closely watching the economy and evaluating how future rate decisions may impact the housing market.

Most of my clients in Milpitas require jumbo financing due to local home prices, so this is especially relevant for buyers right now.

I’ll talk about some listings, exciting new inventory I have coming up.

We’re ready to get your property ready. Give me a call 408-945-8988 or giordanodj@aol.com. Let’s talk, let’s get together and let’s see what we can do about this 2026 upcoming market. Thank you for watching.

Closings – Debbie Giordano Delivering Results and Multiple Offers | $300K Above Asking

The market is showing plenty of buyers and with a bit of extra work to make the home make sense to both the buyer and the seller is creating beneficial activity!

Strong Sales in Milpitas

📌650 Folsom Circle Milpitas List price: $1,348,888

📌14884 Penitencia Creek Rd. San Jose listed $1.6M sold $1.65M

📌2101 Uridias Ranch Road in Milpitas 12 day Close
Originally listed at $2,998,888 – We received three offers, negotiated carefully, and closed at $3,317,000, which is over $300,000 above list price. That’s a great example of how strong the market is right now when homes are priced and presented correctly.

📌SOLD: 623 Prada Drive Milpitas closing at $1,925,000 with a list price of $1,988,999

📌SOLD: 1305 Sunrise Way Milpitas closing at $1.375 with a list price of $1.4.

📌SOLD: 1109 El Camino Higuera Milpitas closing at a cash offer of $2.1 with a list price of $2,298,888 with multiple offers. A little freeway noise and a bit of a discount with the right buyer brought it in.

📌 SOLD 522 South 22nd Street in San Jose End Unit 

📌 SOLD 1830 Vegas Milpitas, CA 95025 $1,298,888 [$1,398,888] Cash

📌 SOLD ALL CASH 253 Park Hill Dr. $1,398,888  I4 Days

📌 SOLD in 14 DAYS!  1109 El Camino Higuera, Milpitas, CA 95035

Upcoming & OPEN HOUSES! Love Milpitas? – What’s Going On in Milpitas and the Bay Area Real Estate? Ask The Best Realtor in Milpitas – Debbie Giordano!

Give me a call at 408-945-8988 or giordanodj@AOL.com, and look forward to talking to you.

Let’s get going, I am ready and excited to work with you. Take care, and have a great week.

We can chat, talk. Even if you’re thinking about next year, it’s never too early to get started. Let’s get started now. So talk to you soon and thank you for watching the video and I’ll see you next week.  Have a great week. Debbie

Upcoming & OPEN HOUSES! Love Milpitas? – What’s Going On in Milpitas and the Bay Area Real Estate? Ask The Best Realtor in Milpitas – Debbie Giordano!

📌 Open Houses in Milpitas with Debbie Giordano

📌 Recent and Upcoming Open Houses in Milpitas with Debbie Giordano

Coming Soon! in Milpitas by Debbie Giordano Realtor Milpitas, CA

🔜 Coming soon 247 Delia Street in San Jose. That’s kind of in the Alum Rock area. Be around $1,398,888. It’s a four bedroom, two bath. It’s got a circular curved driveway. We’re probably looking around springtime for that property

🔜 Keep a look out for 390 Monmouth Dr. Milpitas 5 bedroom 3 bath 1775 sq. feet $1,698,888  

🔜 Coming soon 479 Heath Dr. Milpitas 4 bedroom 2 bath Manor area! 1,328 sq. ft. They’re looking to locate out of Milpitas and that’s a four bedroom. We don’t have a price point on that one.

🔜 Coming soon 385 Monmouth Drive coming up. 4-bedroom, 2 bath, about 1,436-sq. ft., 6,000-sq. ft. lot in a nice established neighborhood. We don’t have a price on that one yet.

🔜 Coming soon Scott Creek Highlands area 2350 sq. ft. one story, 3-car garage. Setting a price soon.

Recent Home Sales in Milpitas by Debbie Giordano Realtor Milpitas, CA

🔅 623 Prada Dr. Milpitas 4 bedroom 2 1/2 bath Ridgeview Terrace ~2.000 sq. ft. 6975 sq ft lot. $1,998,888 closing at $1,925,000 with a list price of $1,988,999.

🔅 3449 Suncrest Avenue San Jose $2,348,888 5 bedroom 3 bath Views right off Piedmont Rd. Meet Debbie Giordano! Sold As Is with 3 price drops with a happy seller and buyer.

🔅 1625 Serpa Dr. Milpitas  4 2 1/2 1717 sq. ft. $1,998,888 appraised and closed at $1,960,000 – OVER 70 Visitors in 2 days last weekend SOLD

🔅1351 Admire Court  Milpitas $1,550,000 closed at $1.5 *8 day sale!

🔅 1305 Sunrise Way Milpitas closing at $1.375 with a list price of $1.4.

🔅 1109 El Camino Higuera Milpitas closing at a cash offer of $2.1 with a list price of $2,298,888 with multiple offers. A little freeway noise and a bit of a discount with the right buyer brought it in.

🔅 Town House listing at 522 South 22nd Street in San Jose

🔅 1299 Fallen Leaf, Milpitas 4 b 2.5 bath $1,425,000

🔅 1559 Mt. Diablo, Milpitas 3 bd 2 bath $1,680,000

✔️ Schedule an appointment to discuss getting your home ready for the market. 1-408-858-5771

I’m anxious to work for you. Call me and we’ll get an individual appointment and I’ll come see your property and do the assessment and let you know what I think we need to do to get it ready.

Call me at 408-945-8988 or visit my website, DebbieGiordano.com. There’s a Connect Me tab and you can get me directly there. So thank you for watching. Happy Veterans Day to you and any veterans that are out there and have a wonderful rest of the week.

When is the Right Time to Sell?

I don’t think you can time the season per se. Whatever looks good for your family and your family’s timing. It’s really predicated on the general economy, and we’ve had a great stock market ride in the last three months. It’s gone back up, and I know that that’s really helped bring more buyers to the table. So please don’t be shy. If you’re ready to go, you’re thinking about moving, call me, get me in to see the property. We’ll talk about what you need to do to get it prepped and get it ready to go and be ready for this great, amazing market.

💲Condominium Buy Before Sell Program

Ask about the buy-before-sell program for condos.

I’d invite you also, as we close, to go to my website. https://Debbiegiordano.com, there’s a tab that says team video. If you want to see how I work, I’ve got my team on there, my transaction coordinator, inspectors, sign people, my stagers on there, and you can see what my team encompasses and what we do to put together a package to productively list your home and get top market value for your properties, I’m ready to serve you.

If you want to get your home ready, let me know. Call for #BestRealtorinMilpitas 1-408-945-8988.

And I do look forward to speaking with you next week again.

Please leave some Kind Words | Most important are your results and sharing how you love working with me. I would love you to share your testimonial with me! https://rvu.today/debbiegiordano

Please subscribe to my YouTube Channel like, comment, share Facebook, and Instagram channels. Thank you!

Your Team when you list your home with Debbie Giordano of Master Brokers!

Closing Thoughts

Every market cycle brings opportunity when you understand what’s happening locally. If you’re considering a move this year—or just want to stay informed—I’m always here as a resource.

Debbie Indihar Giordano
Master Brokers | Milpitas & Silicon Valley
📞 408-945-8988 | 🌐 DebbieGiordano.com
#BestRealEstateAgentinMilpitas

Testimonials

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We would like to express our sincerest appreciation for Debbie Giordano for her quick action on selling our house. We sincerely believe she is the best real estate broker covering the southern San Francisco Bay Area.

We currently live in Arizona and was definitely not looking forward to spending several weeks in the bay area while we fixed up our Milpitas property to sell. We have had renters in our house for the past six years.

Debbie not only took the reins on this effort, she charged full force straight into the thick of things. She managed to arrange the repairs in one week. She also staged the property and put it on the market. The house never looked good in the 35 plus years in which we lived in the house. Due to her valiant efforts, the house sold in just one week, and we received what were hoping to get out of the house.

Thank you, Debbie for all you did for us. It is truly remarkable that you pulled a rabbit out of the hat. Your efforts surpassed our greatest expectations.

Thank you again.

Steven & Charleen Stoner

7-24-2025

Thank you Debbie.

Even though you have taken the reigns on our MiIpitas house, and are driving forward with this; I just want to make it official that Charleen and I would like you to be our realtor for our Milpitas house until it is sold. We appreciate everything you have done thus far. Charleen and I were really comfortable with talking to you when you came out to our house and we look forward to a prosperous conclusion for the both of us. We will work with Melissa to get the documents signed.

Steve

6-19-2025

My brother and I knew that selling our family home with Debbie was going to give us the best experience possible. But what neither of us realized was how incredibly cutting edge she is about the Milpitas market, how networked and how committed she is to her clients. She stood by us and was alongside us every step of the way. Her passion and compassion are stellar. It is safe to say that neither of us have enjoyed going through the home sale process, but Debbie made it seamless and we will always be grateful to her and her great team for their amazing professionalism and care.
Thank you Debbie for all that you do!

Gloria Sherman Gallegos and Matt Sherman

6-22-2025

Thank you for the kind words:

We were impressed with Debbie’s familiarity of Milpitas from our very first meeting. Her knowledge of the local housing market and our neighborhood including schools and businesses made us feel very comfortable. She is on top of an everchanging market.

Debbie toured our home and gave us an honest assessment; she advised us on updating a few things that will make our home stand out from the others. She has a very good team of subcontractors to help with any upgrades or repairs that are needed. These subs are very respectful, on time and do quality work.

During this process, communication with Debbie and her team was outstanding. They kept us informed every step of the way.

Debbie has a staging team that transformed our home to maximize its appeal to buyers. This process was flawless and really showcased the home.

Working with Debbie was truly a positive experience. She worked very hard at keeping everything organized and on schedule.

We highly recommend Debbie. Her expertise, dedication and professionalism made the sale of our home enjoyable and successful.

Thank You Debbie

Matt & Karen

August 14, 2025

What Our Clients Say

Debbie assisted us in selling our family home several years ago and we were so impressed with her dedication, expertise, and friendly approach, we contacted her again when we interested in purchasing a property.

This time around was no different, Debbie’s communication was prompt and effective, keeping us informed every step of the way. She was always available to answer our questions and provided regular updates throughout the process. When unexpected issues arose during the buying process, Debbie’s problem-solving expertise shone through. She quickly found solutions making the closing process easier and less stressful for us.

We highly recommend Debbie to help with all of your home buying and/or selling needs!

~ John & Kathy ~

Message us today!