
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,
With over 20 years of diverse experience in the real estate industry, Mellyssa Coutinho brings a deep understanding of every role involved in the home buying process. Her expertise and empathy have guided hundreds of families through one of life’s most meaningful milestones — purchasing a home.
A lifelong Massachusetts resident, Mellyssa has strong roots throughout the Metro Boston and South Shore communities. Her passion for service extends well beyond mortgages; she currently serves as the 2025–2026 President of the Kiwanis Club of Taunton and is an active member of the Finance Committee for Old Colony Habitat for Humanity. Through these roles, she continues to make a positive impact by helping families achieve stability and pursue the American Dream.
At Milestone Mortgage Solutions, Mellyssa combines her extensive loan knowledge with genuine care for her clients — delivering exceptional service with a whole lot of heart.
(508) 356-5262
mellyssa@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.
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Jeff Fernandes0 days agoTrustindex 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![]()
Leroy Bowman0 days agoTrustindex verifies that the original source of the review is Google.
Kyle an Chris did an exceptional job ,I will refer them to anyone who needs help with financial needs Milestone Mortgage is Awesome we all worked together an got me straightened out ,an thank you all an God Bless, your friend Leroy Bowman.Posted on Google![]()
Anthony Placencia1 days agoTrustindex verifies that the original source of the review is Google.
Working with Mi’Guel DeVaughn and his team has been such an amazing experience and am so glad I trusted them with my journey of buying my first home! To start off I am union iron worker that was struggling with buying my home due to my work history. I really had low hope about getting approved for a loan until I started working with Miguel! He worked so hard and found me the perfect loan that helped buy my first time dream home! I’m very thankful for his patience and hard work he put into my unique case. 100/10 recommend Union brothers give Mi’Guel a call if you are struggling with buying a home.Posted on Google![]()
Shadrack A1 days agoTrustindex verifies that the original source of the review is Google.
I had an excellent experience working Bobby Zahner and team. They were professional, knowledgeable, patient, and very responsive throughout the entire process. They took the time to explain everything clearly, answered all of my questions, and kept me updated every step of the way. The whole loan process was smooth and much less stressful because of their guidance and support. I truly appreciate their hard work and dedication and would highly recommend them to anyone looking for a reliable and trustworthy loan officer. Thank you for making the experience so positive!Posted on Google![]()
Teresa Millan2 days agoTrustindex 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 campbell2 days agoTrustindex 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 Leonard3 days agoTrustindex 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 Alfama4 days agoTrustindex 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 gomes4 days agoTrustindex 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![]()
Toray Official6 days agoTrustindex verifies that the original source of the review is Google.
I had a great experience working with Mi’Guel DeVaughn and his team at Milestone Mortgage Solutions. As a client, I really appreciated how professional, helpful, and responsive they were throughout the entire process. Mi’Guel was always available when I had questions and made sure everything was clearly explained and handled properly. The communication was great from beginning to end, and the whole process went smoothly. I would definitely recommend Mi’Guel and his team to anyone looking for a reliable and professional mortgage team!