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We do not require a U.S. SSN to apply for a loan.

Do I need to have a U.S. Social Security number (SSN)?

If I am a citizen of another country that is not the U.S and don't have a U.S residency, can I still apply?

Yes! We created a company that specializes in working with global consumers interested in a U.S. mortgage.

Milo offers loans on single-family homes (attached or detached), 2-4 unit family homes, condominiums, and townhouses.

What type of properties are eligible?

How long does it take to get a pre-approval letter?

Getting a pre-approval letter takes less than 5 minutes and can be done 100% online.

What is your minimum loan amount?

Our minimum loan amount is $150,000.

Frequently asked questions

Start your application and get a great mortgage offer in under 10 minutes.

Get a real offer in less than 10 minutes

S T E P   1

Complete your online application from anywhere

S T E P   2

Submit your documents to support your application

S T E P   4

Schedule the day you want to close

S T E P   5

The Milo process

Lock in your offer and paying for your appraisal online

S T E P   3

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 Milo Credit, LLC is a direct lender and licensed under NMLS #1811449. Loans made or arranged pursuant to a California Finance Lenders Law License 60DBO-128284. Not available in all states. Equal Housing Lender. NMLS Consumer Access 

EQUAL CREDIT OPPORTUNITY ACT NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers Milo Credit’s compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

See your rate

No more lengthy applications, high rates or lost time.

Milo vs. Other Lenders

Interest rate

Foreign national

Fewer documents

Online digital closing

Origination fee

Days to close

6% - 8%

1% - 2%

< 30 days

6% - 8%

Full doc

1% - 3%

60+ Days

10% - 12%


3% - 5%



Other lenders

A U.S. mortgage for Canadian citizens.

We reshaped mortgage loans for non us citizens,  now you can apply and close online. 

Apply now

Current Rates

Interest rate

Monthly payment

Payment type




Interest only



Based on a 30-year loan of $400,000 for a $800,000 property. Rates are subject to change.

It's never been a better time to buy a house in the USA for non-residents. Take advantage of our clear and transparent process.

Recently closed loans

We are creating a world of borderless financial solutions.


$395,000 USD

For $1,113 USD / month

in Florida


$770,000 USD 

For $2,067 USD / month

in Florida


$1,397,000 USD

For $4,800 USD / month

in California