Business Details
19 Years
experience
Your Trusted Partner for California Real Estate Loans
Founded in 2007, Milestone Financial has established itself as a trusted wholesale real estate lender specializing in California properties. Our team of seasoned professionals brings over 35 years of combined experience in real estate lending, offering tailored loan solutions for residential, commercial, and investment properties. We prioritize broker relationships, ensuring swift and transparent transactions through competitive 1st and 2nd trust deed programs. Our expertise extends to handling complex cases, including properties with foreclosure histories or credit challenges, without minimum credit score requirements.By maintaining a streamlined process, we deliver rapid loan approvals within 24 hours and fundings within 5 - 10 days, supported by personalized service that adapts to evolving market demands. Our commitment to exceptional client satisfaction is reflected in our proven track record of successful fast-track closings and a growing network of satisfied brokers and investors.
Services
California Real Estate Loans
1st Trust Deeds
2nd Trust Deeds
Investment Property Loans
Business Purpose Loans
Details
- Year established: 2007
Highlights and features
- We offer loans with no minimum credit score requirements
- Our team has over 35 years of real estate lending experience
- We provide 24-hour quote service for urgent loan needs
- We handle loans on all property types in California
- We guarantee quick loan processing within 5 to 10 days
Associations and certifications
- California Department of Financial Protection and Innovation
What people say
Fast loan processing
Expert in complex cases
Exceptional service
Responsive team
Reliable and fast
Services
California Real Estate Loans
Milestone Financial specializes in real estate loans secured by California properties, including residential, commercial, and investment assets. Our programs cater to borrowers with diverse financial backgrounds, offering non-consumer loans for single-family homes, multifamily units, and industrial spaces. With streamlined processes, we ensure rapid approvals and flexible terms for clients needing timely financing solutions.
1st Trust Deeds
Our 1st Trust Deed loans range from $85,000 to $1.5 million with LTVs up to 65%, featuring terms from 1 to 5 years and interest rates starting at 10.25%. These loans are ideal for borrowers seeking substantial financing for property acquisitions or refinancing, with no prepayment penalties and options for appraisal waivers to expedite closings.
2nd Trust Deeds
Complementing first mortgages, our 2nd Trust Deed loans offer up to $750,000 with LTVs of 60% and terms from 1 to 3 years. Starting at 12.49% interest, these loans provide additional flexibility for borrowers needing secondary financing for investment properties or business purposes, with no minimum credit score requirements.
Investment Property Loans
Designed for investors, these loans support purchases or refinancing of income-generating properties, including apartments, commercial spaces, and land. We offer competitive rates and fast funding cycles tailored to the unique needs of real estate investors, including TIC and 1031 exchange transactions.
Business Purpose Loans
Milestone Financial provides short-term loans for business-related real estate acquisitions, with flexible terms for borrowers facing credit challenges. These loans support commercial property purchases, renovations, and expansions, backed by a streamlined underwriting process and rapid decision-making.
People
Zo Hamilton
Loan Officer
With over 5 years of collaboration, Zo Hamilton is renowned for completing complex loans in 4 days. Her attention to detail and responsiveness ensure smooth transactions for brokers and investors requiring urgent financing solutions.
Will Stuart
Contact Person
Will Stuart leads investor relations and client support, providing expert guidance on loan programs and facilitating rapid approvals. His expertise in private real estate finance spans decades, ensuring reliable service for all loan inquiries.
Questions
What loan programs does Milestone Financial offer?
We offer 1st and 2nd trust deed loans for California real estate, including residential, commercial, and investment properties with terms from 1 to 5 years.
How quickly can Milestone Financial fund a loan?
Loans typically fund within 5–10 days after approval, with urgent cases processed in as little as 4 days to meet critical deadlines.
Do you require a minimum credit score?
No, we do not enforce a minimum credit score, making financing accessible for borrowers with varied credit histories.
Which California property types qualify?
We finance single-family homes, condos, multifamily units, commercial buildings, retail spaces, offices, industrial properties, and vacant land.
Are prepayment penalties applied?
No, our loan programs have no prepayment fees, allowing borrowers flexibility in managing their financing.
Reviews (4)
Bill Bean
Jan 01, 2019
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I have known Will Stuart for nearly 25 years. I have closed several transactions with him and I have invested in Milestone since the early months of the company. Will is a pro and he takes care of his clients.
Armor Lcm
Sep 19, 2018
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I am an Ombudsman who works with property owners in distress. In my capacity as an advocate for the distressed, I have found the Milestone Financial Team extremely responsive and professional. On numerous transactions where clients have required bailout assistance, renegotiation of their existing loans, Milestone Financial when presented with negotiations that are both good business practice and the best result for the client has consistently provided reasonable options for resolution. A hard money loan by its very nature, is a challenging time for a property owner and to find a lender like Milestone
Yoder Insurance
Jul 28, 2018
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I have been an investor for about 2 years and have been very happy with the consistent returns received. I have referred numerous friends and family to Milestone. My company handles a majority of insurance policies for Milestone making sure the coverage for properties is adequate.
Lily Chavez
Jan 25, 2018
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CROOKED, MALICIOUS, DO NOT DUE BUSINESS WITH THIS COMPANY. WILL STUART IS AN EVIL VINDICTIVE CROOK. HORRIBLE PERSON, MONEY HUNGRY. CONSUMER BEWARE. STUART TOOK 4 HOUSES FROM ME THROUGH LIES. DO NOT, I REPEAT DO NOT DO BUSINESS WITH ANY COMPANY AFFILIATED WITH WILL STUART, YOU WILL REGRET IT. PLENTY OF OTHER LENDERS OUT THERE
