Full-Time
Loan Operations
Loan Closer
Milo
51-200 employees
Direct lender offering crypto-backed mortgages
No salary listed
Miami, FL, USA
Hybrid
Three days on-site per week required.
Bachelor's
 Finance & Banking (1) |
|---|
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- A Bachelor's Degree.
- At least 5 years of experience at a bank in its residential mortgage lending department, with good knowledge of lending post-closing and quality assurance practices.
- Strong written and verbal communication skills.
- Ability to adapt well to a fast-paced and constantly changing business environment.
- Intermediate-level personal computer proficiency.
- Comfort with new technology systems and a paperless environment.
- Demonstrated ability to work in a team-oriented environment.
- Demonstrated ability to provide good customer service.
- Review original closing documents to ensure proper execution.
- Follow up in a timely fashion to receive all corrections on closing documents.
- Partner with the Capital Markets team to answer investor questions.
- Develop and maintain workflows for document preparation, closing, filed documentation, funding of loans, and delivery of loans to investors.
- Send the loan package to title agents through the loan origination system once the Closing Disclosure is approved.
- Review funding items; disburse funds and issue a funding number; and prepare wire transfers for disbursement.
- Manage a large loan queue in a timely fashion.
- Escalate unresolved issues to management where appropriate.
- Review files for regulatory compliance.
- Attend weekly pipeline meetings to ensure projected loans close on time.
- Suggest improvements wherever opportunities are identified.
- Apply working knowledge of investor underwriting and funding guidelines to assist in loan delivery to partners.
- Experience working in Encompass or another loan origination system.
- Experience underwriting and/or closing foreign national loans at a regional bank.
- A network of high-quality processors, underwriters, or closers who may be interested in joining the team.
- An independent and entrepreneurial mindset.
Milo Credit, LLC provides mortgage and personal loan services as a licensed direct lender. It stands out by offering Crypto Mortgages, which let clients use their cryptocurrency holdings to qualify for and secure home loans. How the product works: customers apply online, get pre-qualified in minutes, and can close a mortgage in about three weeks; Milo also offers refinancing to lock in lower rates. The company earns money by charging interest on the loans it funds. Milo serves a mix of clients, including foreign nationals and crypto investors, focusing on people who have assets beyond traditional cash. What sets Milo apart from competitors is its focus on crypto and other alternative assets, combined with clear compliance, transparent processes, and a personal touch through ongoing support. The company aims to build long-term relationships with clients by providing flexible, tailored financial solutions and secure, compliant service.
Company Size
51-200
Company Stage
Series A
Total Funding
$31.1M
Headquarters
Miami, Florida
Founded
2019
Get referred to Milo
See people who can refer or advise you
Simplify's Take
What believers are saying
- Milo’s website on August 2026 offers up to 100% financing and $25 million loans.
- Milo reported $12 million single-loan originations on February 18, 2026.
- Jobs listings in June 2026 show active hiring in Miami and Cali.
What critics are saying
- Housing demand and crypto prices drive Milo’s borrower pool, tying growth to Bitcoin cycles.
- May 2026 Propy ties Milo to a narrow crypto-native channel, limiting mainstream adoption.
- If crypto-backed mortgage defaults spike in a 2026 BTC crash, Milo’s model breaks.
What makes Milo unique
- Milo’s February 2026 $100 million crypto-mortgage milestone proves niche market traction.
- May 2026 Propy partnership linked Milo lending to blockchain closing and settlement.
- Milo’s 65% Bitcoin drawdown threshold and zero margin calls differentiate underwriting.
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Benefits
Stock Options
401(k) Retirement Plan
Health Insurance
Dental Insurance
Vision Insurance
Paid Vacation
Paid Holidays
Gym Membership
Professional Development Budget
Meal Benefits
Growth & Insights and Company News
6 month growth
↓ -1%1 year growth
↓ -4%2 year growth
↓ -4%Propy May 2026 roundup: CNBC spotlight, Milo partnership & industry education. Big month. Propy's CEO was on CNBC, Helio Lending, Pty Ltd. announced a first-of-its-kind partnership with Milo, hosted a sold-out webinar, and went on the road to hear directly from agents and brokers. Here's everything that happened. Natalia Karayaneva on CNBC. Propy founder and CEO Natalia Karayaneva joined CNBC this month to talk about what's actually changing in real estate - and why blockchain and AI are at the center of it. The conversation covered how Propy is streamlining closings, title, and escrow through on-chain infrastructure, and what it looks like when a multi-trillion-dollar industry starts moving onchain. It's a good watch if you want to understand where real estate is headed. Propy x Milo: buy U.S. Real estate with Bitcoin - no cash-out required. Helio Lending, Pty Ltd. partnered with Milo to solve a problem crypto holders know well: you want to buy property, but selling your Bitcoin means triggering a taxable event and losing your position. Milo's crypto-backed mortgages combined with Propy's blockchain-powered closing technology means buyers can now go from digital assets to homeownership without forced selling. It's a genuinely new path into U.S. real estate for crypto-native buyers. Webinar recap: 4 strategies to market-proof your real estate business with AI. This month's webinar focused on practical, actionable ways agents and brokers can use AI to stay competitive in a shifting market. Helio Lending, Pty Ltd. covered four core areas: improving client communication speed, automating repetitive transaction tasks, using AI for smarter marketing, and building operational efficiency that scales. The recurring theme: agents who adopt AI tools now aren't just saving time - they're building a durable advantage over those who wait. X Space: Bitcoin & real estate with Milo. On May 28, Helio Lending, Pty Ltd. hosted a live X Space with the Milo team to go deeper on the crypto-to-real-estate opportunity. The conversation covered crypto-backed mortgages, how blockchain makes closings more transparent, and what crypto-native homeownership actually looks like in practice. Missed it live? The recording is available below. On the road this spring. Helio Lending, Pty Ltd. spent time this spring traveling to meet real estate professionals across the country - not to pitch, but to listen. What Helio Lending, Pty Ltd. heard was consistent: agents and brokers are dealing with tighter margins, slower transaction timelines, and clients who expect more responsiveness than ever. The hunger for AI and automation tools is real - but so is the hesitation around complexity and change. Those conversations are directly shaping how Helio Lending, Pty Ltd. build. If you want to read what Helio Lending, Pty Ltd. heard in full, the write-up is below. That's a wrap on May. Lots more in the works for June - follow Helio Lending, Pty Ltd. to stay current, or join an upcoming webinar to see Propy in action.
Propy and Milo to let bitcoin holders buy homes with $25M financing access. Propy and Milo are combining crypto-backed mortgages with blockchain-based real estate settlement for a fully digital home-buying process. The partnership aims to let crypto investors purchase property without selling their digital assets. Key takeaways. * Propy and Milo launched a U.S. crypto mortgage platform with loans up to $25M. * Bitcoin and Ethereum-backed mortgages could expand crypto use in real estate markets. * Milo says its loans withstand 65% Bitcoin drops as crypto home-buying adoption grows. Tim Draper backs Propy as Milo expands crypto mortgage access across the U.S. Real estate platform Propy and crypto lender Milo are joining forces to build what the companies describe as the first end-to-end crypto-native home-buying system in the United States, targeting a growing class of digital asset investors seeking alternatives to traditional financing. The partnership integrates Milo's crypto mortgage platform with Propy's blockchain-based title and closing infrastructure, allowing buyers to move from loan approval to property settlement through a single digital workflow. The initiative comes as crypto wealth continues to expand globally. According to the companies, the number of crypto millionaires rose 40% over the past year to nearly 242,000 worldwide, while more than half of Gen Z Americans now hold digital assets. Despite that growth, crypto holders have often struggled to use their digital wealth in conventional financial systems. Traditional mortgage lenders typically require borrowers to liquidate crypto holdings before qualifying for a loan, potentially triggering taxes and removing future upside exposure. Propy and Milo aim to eliminate that friction by allowing buyers to qualify for mortgages using bitcoin and ethereum as collateral rather than converting holdings into cash. Financing of up to $25 million will be available through the platform. "The housing industry has been missing a full-stack solution built for digital asset wealth," said Propy CEO Natalia Karayaneva. "For the first time, you can buy property without ever leaving the digital ecosystem." Under the structure, buyers can secure financing through Milo, submit offers via Propy's marketplace of crypto-certified agents, and complete transactions using Propy's blockchain-based closing system. Property deeds are then recorded on-chain. The companies say the model will simplify cross-border transactions and reduce delays often associated with traditional banking systems. Prominent venture investor Tim Draper, an early backer of Propy, described the collaboration as a bridge between digital currency adoption and real-world asset ownership. Bitcoin is freedom money, and real estate is one of the most important assets people aspire to own. Propy and Milo working together can bridge those worlds, giving bitcoin consumers a faster, smarter path to homeownership while keeping their exposure to the future of money. Milo, which says it has originated more than $100 million in crypto mortgages, noted that its lending framework is designed to withstand sharp swings in digital asset prices. The company said its mortgage structure can tolerate bitcoin drawdowns of up to 65% before triggering intervention measures and has not issued margin calls across its portfolio to date. The partnership also reflects broader efforts to merge decentralized finance with traditional asset ownership. Beyond home purchases, the platform will allow homeowners to refinance properties against appreciating crypto assets while maintaining exposure to their holdings. As blockchain infrastructure increasingly moves into mainstream finance, the real estate sector is emerging as one of the next testing grounds for crypto-backed financial services. Whether adoption expands beyond niche users may depend on regulation, market stability, and consumer confidence in digital asset lending models.
By Riley KaminerIn 2022, the idea of using Bitcoin as collateral for home loans turned heads, attracting customers and banks alike. But soon after, interest rates shot up, and the crypto world was rocked by high-profile bankruptcies. Suddenly, the momentum faded. “The world didn’t really want to talk about anything positive around crypto,” Milo CEO Josip Rupena told Refresh Miami.Rather than chase the next big trend, Milo took a different approach. They stayed quiet, continued originating loans, and focused on a core group of clients – primarily international buyers purchasing property in the U.S. That patience paid off. By mid-2023, as optimism returned to the crypto market, interest in Milo’s product surged again. “A lot of the customers we spoke to two years earlier had finally found a home and reached out to see if we were still doing this,” Rupena said
In 2022, a Bitcoin investor watched his $2 million digital portfolio grow impressively—yet he couldn't use those assets to qualify for a mortgage to purchase a $500,000 home without selling and triggering massive tax consequences. Today, that same investor can secure a mortgage using his crypto as collateral, maintain ownership of his digital assets, and build equity in physical real estate simultaneously.This transformation represents the next evolution in cryptocurrency's journey, from purely speculative asset to practical financial instrument with real-world utility. At the heart of this shift lies a critical foundation. Stronger security measures and maturing regulatory frameworks are fundamentally changing how investors leverage their digital holdings.From barrier to enablerContrary to early crypto ideology that viewed regulation as the enemy, the industry is discovering that thoughtful regulatory frameworks actually accelerate adoption of utility-focused applications like crypto mortgages.Industry data shows that jurisdictions with clearer regulatory guidance are experiencing faster growth in crypto-collateralized lending compared to regions with regulatory ambiguity. This pattern is evident across global markets, demonstrating how regulatory clarity directly builds the institutional confidence necessary for widespread adoption.Key regulatory developments enabling crypto lending's expansion include:The SEC's recent guidance providing banks a compliance roadmap for offering crypto-collateralized loansThe European Union's Markets in Crypto-Assets (MiCA) framework establishing clear rules for digital asset service providersThe Basel Committee's ongoing work on capital requirements for banks holding crypto assetsThese frameworks transform what was once a regulatory gray area into a structured environment where legitimate lending enterprises can operate with confidence. The result? Traditional financial institutions are increasingly comfortable entering the space.Regulation doesn't stifle innovation—it creates the conditions for sustainable growth
Expanding on its lending suite, Milo recently "introduced a crypto loan product designed for digital asset holders seeking liquidity beyond mortgages."