
How Much Down Payment Do You Need to Buy a House?
Most buyers don’t put 20% down, and the real minimum depends on your loan program. Here’s what FHA, conventional, VA, and USDA loans actually require,
Having worked in the mortgage industry for over 22 years, I have had the privilege of assisting hundreds of homeowners with their purchase, refinancing, or reverse mortgage needs. There is nothing more rewarding to see others achieve their real estate goals and I look to provide my clients and partners with the best experience possible.
Whether they are refinancing a home or are purchasing a new one, the mortgage industry can be sometimes difficult to navigate, thus I explore what will best suit my clients and provide them with detailed options and sound advice so they can make informed choices to address their needs, from conventional financing, FHA and VA loans, as well as reverse mortgages.
I enjoy the opportunity to learn more about them, their situation, and goals and determine if I have the right solution, or refer them to someone that does. I always ensure I keep in touch with my clients and any parties involved every step of the way to make sure that their loan closes quickly and smoothly.
Please feel free to contact me to help guide you, your customers, or your clients through their mortgage needs and this important financial decision. I am always more than happy to assist in any way I can.
Experienced in: Conventional, FHA, VA, & Jumbo Purchases & Refinancing, Investment Property strategies and financing. FHA Home Equity Conversation Mortgage (Reverse Mortgages), Reverse Mortgages Financial Strategies, Seminars, Marketing, & Servicing, Real Estate Partner Marketing.
Besides helping people, I enjoy a great night watching a baseball game with the family, a great boat ride with friends, and getting out into the mountains away from town with my dog Bo.
(206) 459-7777
bcook@milestonemortgagesolutions.com
Traditional mortgages with competitive rates for borrowers with good credit. Down payments as low as 3%.
Government-backed loans perfect for first-time buyers with flexible credit requirements.
Exclusive benefits for veterans, active military, and eligible spouses. Thank you for your service!
Zero down payment loans for eligible rural and suburban homebuyers. Great for first-time buyers!
Lower your rate, reduce your payment, or tap into your home's equity with our refinance options.
Financing for luxury properties and high-value homes that exceed conventional loan limits.
We’re not just another mortgage company. We’re your neighbors, committed to making homeownership accessible and stress-free for our community.
We match you with the right loan for your goals. Not a one-size-fits-all solution.
No hidden fees or surprises. Every cost is clear from day one.
Streamlined underwriting and clear communication keep your loan on track.
Our loan officers know your market, your rates, and your neighborhood.
Expert insights, tips, and news about mortgages and homeownership from Milestone Mortgage Solutions.

Most buyers don’t put 20% down, and the real minimum depends on your loan program. Here’s what FHA, conventional, VA, and USDA loans actually require,

Most buyers don’t put 20% down, and the real minimum depends on your loan program. Here’s what FHA,

If you’re stuck deciding between a broker, a bank, or just calling the first lender that comes up,

The honest answer is “it depends,” but not vaguely. Your loan type, your state, and how quickly documents

Worried about your first meeting with a mortgage loan officer? Here’s exactly what to bring, what they’ll ask, what you should ask them, and what you’ll walk away with — whether you’re ready to buy this month or just exploring.
Posted on Google![]()
Presley Inzodda0 days agoTrustindex verifies that the original source of the review is Google.
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!Posted on Google![]()
Chinot Sandia0 days agoTrustindex verifies that the original source of the review is Google.
Posted on Google![]()
Bob Marley1 days agoTrustindex verifies that the original source of the review is Google.
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. 10/10Posted on Google![]()
Benjamin Mailhot1 days agoTrustindex verifies that the original source of the review is Google.
Posted on Google![]()
Rosemery Gomes4 days agoTrustindex verifies that the original source of the review is Google.
Thank you for your amazing work!!🙏❤️Posted on Google![]()
patria carvajal5 days agoTrustindex verifies that the original source of the review is Google.
We had an excellent experience with Ronaldo Gomes while buying our first home. He was very helpful and positive, and he explained the entire process in a way that we could fully understand. We truly felt his empathy and dedication to service,100% recommended!Posted on Google![]()
Sandy Asad5 days agoTrustindex verifies that the original source of the review is Google.
Absolutely the best in the business! 10 out of 10Posted on Google![]()
Viccheat Sim8 days agoTrustindex verifies that the original source of the review is Google.
Chris and Courtney are the most prepared and organized I have ever worked with. If you are a results driven individual and want effectiveness, Chris and Courtney will surely deliver.Posted on Google![]()
Susan Harrison8 days agoTrustindex verifies that the original source of the review is Google.
I had an outstanding experience refinancing with Joey Wright, Lauren, and Marisa! They were incredibly helpful, always willing to answer my questions, and made sure I felt informed and comfortable throughout the process. I truly appreciated their patience, clear communication, and personal attention. Refinancing can feel overwhelming, but this team made it so much easier. I’m grateful for all their help and would highly recommend Joey, Lauren, and Marisa to anyone looking to refinance!Posted on Google![]()
Sean Mahabir11 days agoTrustindex verifies that the original source of the review is Google.
I can’t say enough great things about Milestone Mortgage Solutions, especially my loan officer, Denayr “D” Gant! Buying a home is such a huge milestone, and having D by my side throughout the mortgage process made all the difference. From the very beginning, he was patient, knowledgeable, reassuring, and genuinely invested in helping me reach my goal of becoming a homeowner. What I appreciated most was that D never made me feel like just another client. He took the time to answer my questions, explain everything clearly, and provide reassurance whenever I needed it. His professionalism, dedication, and personal approach gave me confidence throughout the entire process. Becoming a homeowner is a moment I’ll always cherish, and I’m truly grateful that D played such an important role in making it happen. Thank you, D, for your hard work, guidance, and for genuinely caring about my journey. I wholeheartedly recommend Denayr “D” Gant and Milestone Mortgage Solutions to anyone looking for a loan officer who truly goes above and beyond!