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.

Talk to a Loan Officer →

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

0 +

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.

Get In Touch

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.

Get In Touch

Milestone Growth Stats

Families Helped

Licensed Officers

Loans Funded

5 Star Google Reviews

Real Reviews From U.S. Homeowners

What Our Clients Are Saying

Michael Messier

1 days ago

I just want to say how pleased I was working with Rosemary Arruda and the whole team at Milestone Mortgage. Rosemary was able to help me work out a great rate, and made the whole process very smooth from beginning to end.

Debbie

2 days ago

We had a great experience working with Josh David at Milestone Mortgage Solutions. Josh is very knowledgeable and took the time to explain our options clearly so we always understood where things stood. He was able to get us competitive rates, which made a real difference for us. His communication was excellent. He responded quickly and kept us updated at every step. We highly recommend Josh to anyone who wants a loan officer they can trust.

Tony Mathew

2 days ago

We worked with Josh David (JD) while shopping for a mortgage on our new home, and I can't say enough good things about him. He was honest and transparent from the start, and he always put what was best for us first, even when it meant the loan might not go his way. Josh turned around quotes quickly, sometimes late at night, and took the time to explain things clearly. He walked us through how lenders count rental income on our current home, what reserves we'd need, and how to keep our debt to income in a good spot. When we compared offers, he helped us see the full picture so we could make the right decision for our family. In the end, his help saved us thousands of dollars. That kind of integrity is rare. We'll keep recommending Josh to our friends, family and clients, and we'll be calling him first when it's time to refinance.

Greesham Simon

5 days ago

Josh David (JD) at Milestone Mortgage Solutions was a huge help while we were buying our new construction home. Our realtor referred us to him to compare rates against the builder's lender, and JD went above and beyond. He was upfront from the start. When he learned our builder incentive was tied to the builder's lender, he told us honestly that sticking with them might be our best option, even though it meant less business for him. He still put together detailed quotes for us, explained exactly where we could save on points, and gave us the information we needed to negotiate a better deal. JD was responsive, easy to talk to, and clearly knows the market. It's rare to find a loan officer who puts the client's interests first like that. We'd recommend him to anyone buying or refinancing in DFW, and he'll be our first call for any future refinance.

jesse drane

5 days ago

Rob Serpa was incredible! Rob made sure everything went smooth when we bought and sold our home. I’d recommend Rob to anyone looking about buying a home. Rob was available through text and phone calls and even after hours he made sure to answer any questions I had and made me feel at ease.

Yerzhan Nurlanov

7 days ago

Working with Josh and the Milestone Mortgage team was a great experience. The process was smooth, communication was clear, and everything was ready on time for our closing. We felt supported the whole way through. Highly recommend!

Presley Inzodda

8 days ago

We couldn’t recommend Milestone Mortgage Solutions more, especially Colin Cooper! He supported us through every step of the process and went above and beyond for us. Thank you Colin and the entire Milestone Team!

Chinot Sandia

8 days ago

Bob Marley

9 days ago

Milestone Mortgage Solutions is a great mortgage company! Jared along with Courtney and Craig were amazing with helping my wife and I get into a home. The process was very straight forward and their communication was spot on. We couldn't have fulfilled our dream any better without their help. Highly recommend you go with them if you're looking for a mortgage lending company. 10/10

Benjamin Mailhot

9 days ago

Employee Spotlight

Loan Officer

Keith Gasque

Keith is dedicated to delivering outstanding service and accessibility to his clients. With a strong focus on customer care, he ensures he’s always available to answer questions and guide clients smoothly through every step of the application process. Keith serves clients across…

View Profile