Down Payment 3% Min 20% isn't required. Conventional loans accept as little as 3% down for qualifying buyers.

VA Loans 0% Down No monthly PMI. Eligible active duty, veterans, and surviving spouses · Rate benefit for life of loan.

FICO Impact ~1.5% Rate spread between a 620 and 780+ FICO · Credit prep before applying can save tens of thousands.

Closing Costs 2–5% Of the loan amount. Covers appraisal, title, origination, escrow & prepaids · Often rolled into the loan.

Rate vs APR Know Both Rate is what you pay on the loan · APR includes lender fees · Always compare APRs lender-to-lender.

DTI Cap 43% Debt-to-income limit for most conventional loans · FHA allows up to 50% in some cases.

Rate Lock 30–60 Days Lock once under contract to protect against rate increases before closing · Float-down options available.

Gift Funds 100% Allowed Down payment from family? Most loan programs allow 100% gift funds · Just need a documented gift letter.

Refi Threshold 0.75%+ Rule of thumb: refinancing tends to make sense when you can drop your rate by 0.75% or more.

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A Mortgage Broker
Who Works For You

Get Pre-Approved

Get approved in minutes, close in as little as 15 days. Join thousands of happy homeowners who trusted us with their mortgage journey.

Loans Funded

$ 0 B+

Happy Homeowners

0 +

Average Clear to
Close Time

< 0 Days

5 Star Google Ratings

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As your mortgage broker, we guide you through every milestone of your home financing journey with integrity, expertise, and personalized service.

Belief in the Power
of Community

At Milestone, we are deeply committed to making a positive impact beyond our business operations. As a Massachusetts mortgage broker, we believe in the power of community and are dedicated to giving back in meaningful ways. Whether it’s through financial contributions, employee volunteer hours, or partnerships with nonprofit organizations, we strive to create lasting change and foster a stronger, more resilient community.

Our commitment to caring extends beyond the mortgage broker services we provide, reflecting our genuine desire to make the world a better place for everyone.

President of Milestone

Every Buyer's Different. So Are Our Loans.

Conventional Loans

Traditional mortgages with competitive rates for borrowers with good credit. Down payments as low as 3%.

FHA Loans

Government-backed loans perfect for first-time buyers with flexible credit requirements.

VA Loans

Exclusive benefits for veterans, active military, and eligible spouses. Thank you for your service!

USDA Loans

Zero down payment loans for eligible rural and suburban homebuyers. Great for first-time buyers!

Refinancing

Lower your rate, reduce your payment, or tap into your home's equity with our refinance options.

Jumbo Loans

Financing for luxury properties and high-value homes that exceed conventional loan limits.

Why Choose Milestone?

We’re not just another mortgage company. We’re your neighbors, a local mortgage broker committed to making homeownership accessible and stress-free for our community.

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Personalized Guidance

We match you with the right loan for your goals. Not a one-size-fits-all solution.

No Surprises Policy

No hidden fees or surprises. Every cost is clear from day one.

Fast, Reliable Closings

Streamlined underwriting and clear communication keep your loan on track.

Local Expertise

Our loan officers know your market, your rates, and your neighborhood.

Our Growth Story

From 6 employees in 2019 to 90+ licensed officers. Now on track to join the $1B origination club in 2025.

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Milestone Growth Stats

Families Helped

Licensed Officers

Loans Funded

5 Star Google Reviews

Real Reviews From U.S. Homeowners

What Our Clients Are Saying

      
 
 
      Posted on Google  
   
   Stephanie krassow 
 0 days ago
 
 
 Trustindex verifies that the original source of the review is Google. JD and his Team were very helpful throughout the whole process. I was really overwhelmed, and they threw me over the shoulder and CARRIED me through. I’m talking about explained each line, truly kept my budget needs and wants at the front, thought of things and ways to help me not go broke(r) in this economy ! I also appreciate that they Make themselves available to you. Especially JD the amount of times I texted this man at an odd hour and he would reply in a timely manner , eager to help. If you want a transparent, honest and hard working team. I suggest going with JD and his team.
  
 
     Posted on Google  
   
   Samantha Florio 
 1 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We had the absolute best experience with our Loan Officer, Joey Wright. We are first time home buyers, and had a multitude of questions throughout the homebuying process. Joey was always available to answer anything we were questioning, give us different scenarios, and keep us updated on the next steps. We will be recommending him to everyone of our friends and family who are buying homes in the future!
  
 
     Posted on Google  
   
   Alberto Gallardo 
 3 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Gabriel is excellent at what he does. His expertise was a tremendous help in securing a DSCR loan and finding the best strategy. I recommend him 100%. Thank you so much, Gabriel!
  
 
     Posted on Google  
   
   Jeff Fernandes 
 6 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Joey helped us through the whole process and was well communicative! Will work with Joey again.
  
 
     Posted on Google  
   
   Teresa Millan 
 8 days ago
 
 
 Trustindex verifies that the original source of the review is Google. A 5-star rating is honestly an understatement! ⭐️⭐️⭐️⭐️⭐️

As the REALTOR representing my buyer, I had the pleasure of working with Mi’guel  DeVaughn, and he provided exceptional customer service from start to finish. His communication was excellent, he was incredibly fast and efficient, and absolutely no time was wasted throughout the process.

Mi’guel was able to get my buyer clear to close, closed, and funded in just 15 days!  That kind of efficiency and dedication made a huge difference and made the entire transaction so smooth for my buyer.

I truly appreciate everything he did to help us get to the closing table so quickly. I would 100% recommend Mi’guel he was great to work with!
  
 
     Posted on Google  
   
   MacKenzie campbell 
 8 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Timothy and everyone at Milestone were such a pleasure to work with! They were efficient, communicative and committed! I couldn’t imagine going through the stress of a home buying process without Tim and his team! They were so helpful, answered any and all question’s and were always available whenever I needed guidance! Because of the team at milestone my husband and i were able to make our dreams come true of purchasing our first home!
  
 
     Posted on Google  
   
   Marie Leonard 
 9 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I had a wonderful experience working with Deanna Auger as my Loan Officer during my home-buying journey. She was professional, patient, knowledgeable, and always took the time to answer my questions and explain everything clearly.

Buying a home can be stressful, but Deanna helped make the process much easier for me. She kept me informed throughout the entire process and made sure I understood what was happening every step of the way. I truly appreciate all of her hard work, support, and dedication in helping me become a homeowner.

I would definitely recommend Deanna to anyone looking for a caring, reliable, and knowledgeable Loan Officer. Thank you so much, Deanna, for helping make this dream a reality! 🏡❤️
  
 
     Posted on Google  
   
   Jessica Alfama 
 10 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I’ll always be grateful that Steve was part of our journey to our first home. There were moments when I was nervous, had a million questions, or just needed reassurance, and Steve was always there with the same patience and positive energy. I have leaner so much from his expertise.

What stayed with me most is that I never felt like this was just another loan for him. I truly felt that he wanted this for our family too. Steve, thank you for helping us get to a moment we’ll never forget. You will always be part of our first home story.
  
 
     Posted on Google  
   
   micas gomes 
 10 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Buying our first home was a big step for our family, and we honestly couldn’t have asked for a better experience with Steve. From the beginning, he was always there to answer our questions, explain things, and help us through every step.

What we really appreciated about Steve was that we never felt like just another client. He genuinely wanted everything to work out for us, and he was always positive, patient, and a joy to work with.

Now that we have the keys, we’re just really grateful. Steve played a big part in helping our family get here, and we’ll always appreciate everything he did for us.
  
 
     Posted on Google  
   
   Amanda Hodges 
 17 days ago
 
 
 Trustindex verifies that the original source of the review is Google. +0
Working with Joey from start to finish was an exceptional experience. My husband and I went into the home buying process with little knowledge regarding mortgages. Joey broke every step down, explained everything about mortgages, and made it a stress free experience. We didn’t worry one time knowing we were working with Joe. I would recommend Joey to anyone looking for a loan officer to assist in buying a home. We aren’t moving out of our house any time soon, but if and when we do, we will absolutely be using Joey every time!