Terms and Conditions

The Milo Customer Referral Program (the “Program”) offered by Milo Credit, LLC (“Milo” or “Company”) has been created to reward loyal customers for recommending Milo to other individuals. The Program was also created to reward these new customers for listening to your great advice in referring us, by offering them a reward for signing up at your referral! 

These Program Terms and Conditions are a binding agreement between you and Milo and will govern your participation in the Program. By participating in the Program, you agree to the Site Terms and Conditions and the Site Privacy Policy. You are not authorized to participate in the Program, if you do not agree to these Program Terms and Conditions in their entirety.

The Company reserves the right to modify Program Terms and Conditions at any time, at its sole discretion, and without notice to you. The Company may also, in its sole discretion, change, cancel, suspend, or modify any aspect of the Program without notice. 

How the Customer Referral Program Works. 

For Primary Home Purchases:

If you refer a family member or friend (“The Purchaser”), they (“The Purchaser”) will receive a $3,000 credit on their loan at closing for their primary home purchase.

For Investment Homes Purchases:

If you refer a friend or family member (“The Purchaser”) that secures a mortgage with Milo, they (“The Purchaser”) will receive a $2,000 credit on their loan at closing for their investment home purchase.

Additionally, the person referring their friend (the purchaser) will receive a $1,000 cash payout.

The referral program has no cap, meaning there is no limit on the number of customers a person can refer for investment property purchases. Referrers will be compensated for each successful referral they make.

In summary, the program offers different benefits depending on the type of home purchase. For primary home purchases, the purchaser receives a $3,000 credit, while for investment homes, the purchaser gets a $2,000 credit and the referrer receives a $1,000 cash payout.


The Program is open to all customers of Milo Credit who have closed a loan and/or refinancing with Milo Credit at any point in time. The Program is void where such referral programs are prohibited.

Referred Customer Eligibility.

Referred customers must not have closed a loan with Milo within the past 12 months. Referred customers must also meet our standard eligibility criteria for mortgage applications.

Reward Payments

Referral rewards will be paid within 30 calendar days of closing of the referred loan. Rewards will be issued as a transfer of $1,000 to the PayPal account registered to the referrer. 

Multiple Referrals

There is no limit to the number of referrals a Referrer can make under this Program, however, Milo reserves the right to refuse any referrals considered to be fraudulent, dishonest or in breach of these terms and conditions.

Binding Effects

By participating in the Program, you agree to and are bound by the Program Terms and Conditions. If you do not wish to agree to and abide by the Program Terms and Conditions in their entirety, you are not authorized to participate in the Program. 

Data Protection.

By participating in the Program, you consent to us using your personal information for the purposes of administering the Program and paying rewards. We will not share your information with any third parties without your consent.


Participants agree to indemnify, defend, and hold Upvise and its representatives and agents harmless from and against any and all third party claims, demands, liabilities, costs, or expenses, including attorney’s fees and costs, arising from, or related to any breach by the participant of any of these Program Terms and Conditions or any violation by Participant of applicable law.

Governing Law.

These terms and conditions along with any dispute arising hereunder shall be governed by the laws of the State of Delaware without regard to its conflict of law provisions. Each Party consents to the exclusive personal jurisdiction and venue of such courts.

Dispute Resolution.

Any disputes arising from or in connection with this Program will be resolved through arbitration in accordance with the rules of the jurisdiction where our mortgage services are provided.

General Terms.

These Program Terms and Conditions constitute the entire agreement between Participants and Milo concerning Participants’ use of the Program. The failure of Milo to exercise or enforce any right or provision of these Program Terms and Conditions shall not constitute a waiver of such right or provision. The terms and conditions applicable to Participants’ use of Milo’s services can be found at – https://www.milo.io/terms-of-service/

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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.