
Who Pays Closing Costs When You Buy a House?
Most closing costs land on you as the homebuyer, but a seller can cover part of them, or even all of them, if a large
Pedro DelToro is a dedicated mortgage professional whose mission is to guide individuals and families through one of life’s most important financial decisions with clarity, confidence, and care. With a strong understanding of today’s ever-changing mortgage market, Pedro takes pride in helping his clients navigate the loan process smoothly and successfully.
Whether working with first-time homebuyers, those refinancing, or clients exploring options for their dream home, Pedro offers personalized guidance from start to finish. His goal is to simplify the experience and secure the best possible loan solution tailored to each client’s unique needs.
Pedro believes that buying a home should be exciting—not overwhelming. His commitment is to make the mortgage journey as transparent and stress-free as possible, so his clients can focus on what matters most: getting the keys to their new home.
Outside of work, Pedro enjoys quality time with family and friends and stays active by participating in recreational sports leagues, including flag football, softball, and kickball across Massachusetts.
(857) 234-8095
pedro@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.

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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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Greesham Simon1 days agoTrustindex verifies that the original source of the review is Google.
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.Posted on Google![]()
jesse drane1 days agoTrustindex verifies that the original source of the review is Google.
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.Posted on Google![]()
Don Archuleta2 days agoTrustindex verifies that the original source of the review is Google.
Great at helping you, and answering all questions in detail. Fast response time when answers are needed.Posted on Google![]()
Yerzhan Nurlanov3 days agoTrustindex verifies that the original source of the review is Google.
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!Posted on Google![]()
Sauzas3 days agoTrustindex verifies that the original source of the review is Google.
We had an excellent experience working with Rich Hayden as our mortgage broker, and we couldn't recommend him more highly! As first-time homebuyers, navigating the mortgage process can feel overwhelming, but Rich made the entire experience much easier. He was incredibly polite, responsive, and patient throughout the process, always taking the time to answer our questions and explain everything in a way that was easy to understand. One thing we especially appreciated was the videos he provided explaining loan estimates, fees, and other costs. They were extremely helpful in making sure we understood exactly what we were looking at and what to expect financially. Rich went above and beyond to make sure we felt comfortable and informed every step of the way. We are very grateful for his help in getting us into our first home and would absolutely recommend him to anyone looking for a knowledgeable, professional, and personable mortgage broker!Posted on Google![]()
Presley Inzodda4 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 Sandia4 days agoTrustindex verifies that the original source of the review is Google.
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Bob Marley5 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 Mailhot5 days agoTrustindex verifies that the original source of the review is Google.
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Rosemery Gomes8 days agoTrustindex verifies that the original source of the review is Google.
Thank you for your amazing work!!🙏❤️