Compose
Bring program, budget and documents into one coherent plan.
Mortgage Broker • NMLS 2753261
Milena Coello
Mortgage Broker
A carefully made mortgage experience
Every detail should have a purpose.
Milena Coello combines patient guidance, multilingual communication and an artisan's attention to detail for families navigating a mortgage.
Refine
Resolve details early and keep expectations clear.
Protect
Treat the home as a family decision, not only a transaction.
Milena CoelloPersonal identity, PMA platform and compliance
Professional details
Published reviews
0
Social proof associated with this profile
Average rating
—
Based on published reviews
Languages
3
English, Spanish, French
Coverage
FL
Florida Mortgage Loan Originator, NMLS #2753261. Individual profile coverage: Florida.
Execution style
Clear + fast
Communication, follow-up, and clean next steps
Choose your path
Choose the mortgage review that matches your objective
Start with the purpose of your request so the right information, documents, and next step can be reviewed.
I want to buy
For first-time buyers who need clarity on payment, cash to close, and what to do next.
I want to refinance
For homeowners trying to reduce payment, consolidate debt, or use equity more intelligently.
I am an investor
For rental-property, DSCR, and other investor financing structures that require a documented preliminary review.
I am a Realtor
For real estate professionals who need documented borrower preparation and clearer financing communication.
Why work with this broker
Clear guidance from a mortgage professional you can identify and contact.
Review experience, licensed states, languages, specialties, and direct contact information before choosing who will help with your mortgage review.
Why clients choose Milena
- • Break the process into clear, manageable decisions.
- • Balance cash-to-close with a sustainable monthly payment.
- • Keep documents and deadlines organized from pre-approval through closing.
For more complex scenarios
- • Translate program requirements into a usable checklist.
- • Clarify reserves and documentation before a property is under pressure.
- • Keep all parties aligned with patient, structured follow-up.
For referral partners
- • Communicate consistently and in the client's preferred language.
- • Surface missing details before they become closing problems.
- • Protect the family experience with clarity and care.
Reviews
Client feedback published for this mortgage professional.
Review the source, context, and date before comparing individual experiences. Results vary.
Testimonials and reviews reflect individual experiences and may not be representative of all clients. Results vary.
EDUCATIONAL TOOL
Mortgage payment planning tool
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About
The person behind the advice
Technical depth, human communication, and real context behind the broker.
Milena Coello
Mortgage Broker
Milena Coello is a Mortgage Broker known for a calm, step-by-step process. Her background in jewelry environments and her passion for handcrafted crystal and gemstone beadwork shape a client experience built around composition, patience and details that fit together. She helps buyers and homeowners organize documents, understand deadlines and compare the real monthly payment. Her personal brand is distinctly her own, while her family perspective with her husband Luis reinforces the importance of protecting the home as well as financing it.
LANGUAGES
English, Spanish, French
LICENSING
Florida Mortgage Loan Originator, NMLS #2753261. Individual profile coverage: Florida.
EDUCATION & TRAINING
Bachelor's degree in English and French Language, plus continuing PMA training in mortgage guidelines, underwriting, compliance and borrower communication.
Programs & options we can explore
Two clear programs at a time. Fast to scan. Easy to compare.
Coverage
Florida & Texas focus Part 1
Work with Milena Coello on purchase, refinance, and investment scenarios — with…
- Fast scenario reviews with clean next steps
- Offer-ready pre-approval strategies
- Primary, second home, and investment options
Coverage
Florida & Texas focus Part 2
Work with Milena Coello on purchase, refinance, and investment scenarios — with…
- Education-first communication (no hype, no pressure)
Owner occupied
FHA
A common path for first-time buyers and credit-building situations.
- Flexible underwriting compared to many conventional options
- Down payment options may be available (ask about DPA)
- Manual underwriting may be possible in some scenarios (guidelines apply)
Owner occupied
Conventional
Great fit for strong credit, strong assets, and clean documentation.
- Standard conventional, HomeReady® and Home Possible® scenarios
- Primary, second home, and investment (guidelines apply)
- Down payment options may be available (ask about grant-style DPA)
DPA
Down payment assistance (DPA)
Multiple DPA structures exist — the details matter.
- Some options are forgiven at closing; others are repayable over time
- Eligibility rules vary by program (credit, income, occupancy, property…
- We verify program fit early — before you write an offer
Investment
DSCR investment loans
For investors focused on property cash flow (guidelines apply).
- Common for 1–4 unit rentals
- Short-term rental income may be acceptable with the right documentation
- Scenario review depends on property type, LTV, reserves, and DSCR approach
Non-QM
Bank statement income (Non-QM)
For self-employed borrowers when traditional documentation is not the best fit.
- Business or personal bank statement options may be available
- Expense factor rules vary (standard expense vs accountant letter options)
- Loan amounts and LTV depend on credit, reserves, and documentation quality
Business purpose
Fix & Flip / renovation financing
Business-purpose strategies for investors (guidelines apply).
- Common for purchase + rehab timelines
- Often designed for speed and execution (not long-term hold)
- Terms vary by experience, project scope, and collateral
DPA
In-House Grant DPA Part 1
Grant-style DPA options on Conventional and FHA (guidelines apply).
- Conventional: 1%, 2%, or 3% of purchase price (HomeReady® / Home…
- FHA: 2% or 3.5% of purchase price
- No second lien — DTI is not affected
DPA
In-House Grant DPA Part 2
Grant-style DPA options on Conventional and FHA (guidelines apply).
- Forgiven at escrow
- First-time homebuyer allowed but NOT required
- Minimum FICO: 620 (Conventional), 640 (FHA) — manual UW may be allowed…
DPA
In-House Grant DPA Part 3
Grant-style DPA options on Conventional and FHA (guidelines apply).
- Multiwides allowed (max LTV 95%)
- Does not run out of funds
- Lender-paid and borrower-paid compensation allowed
DPA
Boost FHA DPA Part 1
Repayable or forgivable structures depending on option (guidelines apply).
- 3.5% and 5% repayable option (amortized over 15 years)
- Second lien rate is typically 2% higher than the first-lien note rate
- 3.5% forgivable after 60 consecutive payments on the first lien (silent…
DPA
Boost FHA DPA Part 2
Repayable or forgivable structures depending on option (guidelines apply).
- Minimum FICO: 640 (manual UW may be allowed 640+)
- No income limits
- DTI per AUS when approved/eligible (600+)
DPA
Boost FHA DPA Part 3
Repayable or forgivable structures depending on option (guidelines apply).
- Does not run out of funds
- Lender-paid and borrower-paid compensation allowed
DPA
Aurora FHA DPA Part 1
A distinct FHA DPA option (availability varies by state).
- 3.5% and 5% repayable option (second lien typically 2% higher than first)
- 3.5% forgivable option (does not affect DTI)
- Available in Washington
DPA
Aurora FHA DPA Part 2
A distinct FHA DPA option (availability varies by state).
- Minimum FICO: 600 (manual UW min 600)
- DTI per AUS when approved/eligible
- Manual UW max DTI 40/50
DPA
Aurora FHA DPA Part 3
A distinct FHA DPA option (availability varies by state).
- Does not run out of funds
DPA
Miami‑Dade HAP (2026 update)
Miami‑Dade County down payment assistance program (eligibility rules apply).
- Deferred second mortgage to help cover down payment
- Designed for eligible primary residence homebuyers
- County and program requirements can change — we verify current rules…
Specialty
Doctor / medical professional 100% financing Part 1
A specialty program structure some lenders offer (guidelines apply).
- Up to $2,000,000 loan amount with 760 FICO (example guideline)
- 100% financing (no down payment) in eligible scenarios
- Student loans may be excluded in some cases (program rules apply)
Specialty
Doctor / medical professional 100% financing Part 2
A specialty program structure some lenders offer (guidelines apply).
- No mortgage insurance (MI) in certain structures
- Borrower does not have to be a doctor — other medical professionals may…
- Available in ARM and fixed-rate options (availability varies)
Non-QM
Non‑QM: Standard documentation Part 1
A Non‑QM track with standard income documentation (guidelines apply).
- Minimum 620 FICO (example guideline) — up to 90% LTV
- No tradeline requirement with 3 credit scores
- Non‑permanent residents up to 90% LTV
Non-QM
Non‑QM: Standard documentation Part 2
A Non‑QM track with standard income documentation (guidelines apply).
- DTI up to 55%
- Unlimited cash‑in‑hand (program-specific)
- Cash‑out can be used for reserves (program-specific)
Non-QM
Non‑QM: Standard documentation Part 3
A Non‑QM track with standard income documentation (guidelines apply).
- Eligible properties can include SFR, condos, studios, 2–4 units, and some…
- Loan amounts up to $4,000,000
Non-QM
Non‑QM: Bank statements Part 1
Self‑employed income analysis using bank statements (guidelines apply).
- Minimum 620 FICO (example guideline) — up to 90% LTV
- No tradeline requirement with 3 credit scores
- Business or personal bank statements
Non-QM
Non‑QM: Bank statements Part 2
Self‑employed income analysis using bank statements (guidelines apply).
- 50% standard expense option
- Minimum 10% expense with accountant letter (where allowed)
- Non‑permanent residents up to 90% LTV
Non-QM
Non‑QM: Bank statements Part 3
Self‑employed income analysis using bank statements (guidelines apply).
- Unlimited cash‑in‑hand (program-specific)
- 3‑month cash‑out seasoning may be allowed
- Cash‑out can be used for reserves (program-specific)
Non-QM
Non‑QM: Bank statements Part 4
Self‑employed income analysis using bank statements (guidelines apply).
- Eligible properties can include SFR, condos, studios, 2–4 units, and some…
- Loan amounts up to $4,000,000
Non-QM
Non‑QM: Profit & loss only Part 1
For self‑employed borrowers where bank statements are not used (guidelines apply).
- Minimum 660 FICO (example guideline) — up to 80% LTV
- No tradeline requirement with 3 credit scores
- No bank statements
Non-QM
Non‑QM: Profit & loss only Part 2
For self‑employed borrowers where bank statements are not used (guidelines apply).
- 12 or 24 months accepted
- Non‑permanent residents up to 80% LTV
- Unlimited cash‑in‑hand (program-specific)
Non-QM
Non‑QM: Profit & loss only Part 3
For self‑employed borrowers where bank statements are not used (guidelines apply).
- Cash‑out can be used for reserves (program-specific)
- 3‑month cash‑out seasoning may be allowed
- Eligible properties can include SFR, condos, studios, 2–4 units, and some…
Non-QM
Non‑QM: Profit & loss only Part 4
For self‑employed borrowers where bank statements are not used (guidelines apply).
- Loan amounts up to $3,000,000
- CPA / EA / CTEC / PTIN documentation (where required)
Non-QM
Non‑QM: Asset utilization Part 1
Using verified assets to support qualifying income (guidelines apply).
- Minimum 640 FICO (example guideline) — up to 85% LTV
- No tradeline requirement with 3 credit scores
- Non‑permanent residents up to 80% LTV
Non-QM
Non‑QM: Asset utilization Part 2
Using verified assets to support qualifying income (guidelines apply).
- Unlimited cash‑in‑hand (program-specific)
- Cash‑out can be used for reserves (program-specific)
- Eligible properties can include SFR, condos, studios, 2–4 units, and some…
Non-QM
Non‑QM: Asset utilization Part 3
Using verified assets to support qualifying income (guidelines apply).
- Loan amounts up to $4,000,000
- 100% of checking / savings / money market may be eligible
- 70% of stocks / bonds / mutual funds may be eligible
Non-QM
Non‑QM: Asset utilization Part 4
Using verified assets to support qualifying income (guidelines apply).
- Asset utilization often divides eligible assets by 84 months (example)
Investment
DSCR (1–4 units) Part 1
Investor programs focused on property cash flow (guidelines apply).
- Minimum 620 FICO (example guideline) — up to 80% LTV
- No deposit sourcing (program-specific)
- No minimum DSCR ratio up to 75% LTV (program-specific)
Investment
DSCR (1–4 units) Part 2
Investor programs focused on property cash flow (guidelines apply).
- No tradeline requirement with 3 credit scores
- Unlimited cash‑in‑hand at ≤65% LTV (program-specific)
- SFR, condos, 2–4 units up to 80% LTV
Investment
DSCR (1–4 units) Part 3
Investor programs focused on property cash flow (guidelines apply).
- Condotels and studios up to 75% LTV
- 2 months reserves (example guideline)
- 3‑month cash‑out seasoning (example guideline)
Investment
DSCR (1–4 units) Part 4
Investor programs focused on property cash flow (guidelines apply).
- Cash‑out can be used for reserves (program-specific)
- Short‑term rental income may be accepted (AIRDNA / STR docs, where…
- Loan amounts up to $3,500,000
Investment
DSCR (1–4 units) Part 5
Investor programs focused on property cash flow (guidelines apply).
- Vacant properties may be allowed (program-specific)
- Rural properties up to 20 acres may be allowed (program-specific)
Investment
DSCR (5–8 units & mixed use 2–8) Part 1
For larger rentals and mixed-use when guidelines fit (business purpose).
- Minimum 700 FICO (example guideline) — up to 75% LTV
- No deposit sourcing (program-specific)
- Minimum DSCR of 1.00 (example guideline)
Investment
DSCR (5–8 units & mixed use 2–8) Part 2
For larger rentals and mixed-use when guidelines fit (business purpose).
- No tradeline requirement with 3 credit scores
- $1,000,000 cash‑in‑hand (example guideline)
- Cash‑out up to 65% LTV (example guideline)
Investment
DSCR (5–8 units & mixed use 2–8) Part 3
For larger rentals and mixed-use when guidelines fit (business purpose).
- Commercial space < 50% may be allowed
- Loan amounts up to $2,000,000
Non-QM
Foreign national / ITIN scenarios Part 1
For borrowers without a traditional U.S. credit footprint (guidelines apply).
- No FICO or 680 FICO options may exist (program-specific) — up to 80% LTV
- Bank statement and P&L options up to 80% LTV
- DSCR ≥ 1 up to 75% LTV (program-specific)
Non-QM
Foreign national / ITIN scenarios Part 2
For borrowers without a traditional U.S. credit footprint (guidelines apply).
- No DSCR ratio up to 65% LTV (program-specific)
- 6 months reserves (example guideline)
- No deposit sourcing (program-specific)
Non-QM
Foreign national / ITIN scenarios Part 3
For borrowers without a traditional U.S. credit footprint (guidelines apply).
- No credit reference letters (program-specific)
- No asset seasoning in U.S. account (program-specific)
- No visa may be required (program-specific)
Non-QM
Foreign national / ITIN scenarios Part 4
For borrowers without a traditional U.S. credit footprint (guidelines apply).
- Loan amounts up to $1,500,000
- Condotels, studios, condos, 2–4 units up to 70% LTV
- ITIN borrowers may be allowed (program-specific)
Non-QM
1099 only Part 1
Income documentation based on 1099s or transcripts (guidelines apply).
- Minimum 620 FICO (example guideline) — up to 90% LTV
- No tradeline requirement with 3 credit scores
- 1 or 2 years of 1099s or transcripts
Non-QM
1099 only Part 2
Income documentation based on 1099s or transcripts (guidelines apply).
- 12/24‑month average minus expense ratio
- Non‑permanent residents up to 80% LTV
- Unlimited cash‑in‑hand (program-specific)
Non-QM
1099 only Part 3
Income documentation based on 1099s or transcripts (guidelines apply).
- 3‑month cash‑out seasoning may be allowed
- Cash‑out can be used for reserves (program-specific)
- Eligible properties can include SFR, condos, studios, 2–4 units, and some…
Non-QM
1099 only Part 4
Income documentation based on 1099s or transcripts (guidelines apply).
- Loan amounts up to $4,000,000
Non-QM
WVOE only Part 1
Work verification in lieu of traditional income docs (guidelines apply).
- Minimum 660 FICO (example guideline) — up to 80% LTV
- No tradeline requirement with 3 credit scores
- No tax return, W‑2, or paystubs (program-specific)
Non-QM
WVOE only Part 2
Work verification in lieu of traditional income docs (guidelines apply).
- Non‑permanent residents up to 80% LTV
- Unlimited cash‑in‑hand (program-specific)
- Cash‑out can be used for reserves (program-specific)
Non-QM
WVOE only Part 3
Work verification in lieu of traditional income docs (guidelines apply).
- Eligible properties can include SFR, condos, 2–4 units, and some condotels
- Loan amounts up to $3,000,000
- 2 months bank statements required (example guideline)
Non-QM
Cross collateral Part 1
Using multiple properties as collateral (guidelines apply).
- Minimum 660 FICO (example guideline) — up to 70% LTV
- No deposit sourcing (program-specific)
- Minimum DSCR of 1.20 (example guideline)
Non-QM
Cross collateral Part 2
Using multiple properties as collateral (guidelines apply).
- No tradeline requirement with 3 credit scores
- Unlimited cash‑in‑hand (program-specific)
- Minimum per-property balance $50,000 (example guideline)
Non-QM
Cross collateral Part 3
Using multiple properties as collateral (guidelines apply).
- Minimum of 3 properties; maximum of 25 properties (example guideline)
- Cash‑out up to 65% LTV (example guideline)
Second lien
Closed-end second (HELOAN) Part 1
Second-lien options for cash-out or consolidation (guidelines apply).
- Minimum 660 FICO (example guideline) — up to 90% CLTV
- Loan amounts up to $500,000 (example guideline)
- Combined loan amount up to $5,000,000 (example guideline)
Second lien
Closed-end second (HELOAN) Part 2
Second-lien options for cash-out or consolidation (guidelines apply).
- Income types can include standard doc, bank statements, P&L, WVOE, and…
- Primary, second homes, and investment options may be available
- AVM-only may be available for loan amounts under $250,000…
Second lien
Closed-end second (HELOAN) Part 3
Second-lien options for cash-out or consolidation (guidelines apply).
- Non‑permanent residents may be allowed (program-specific)
Quick guide
Owner-occupied vs business-purpose
A simple map of what is commonly allowed (guidelines vary).
- Owner occupied: Standard doc, Bank Statements, P&L Only, WVOE Only, 1099…
- Business purpose: Standard doc, Bank Statements, P&L Only, 1099 Only…
Loan limits
Conforming loan limits (CY2026) Part 1
Baseline conforming limits (most counties in FL & TX).
- 1‑unit: $832,750
- 2‑unit: $1,066,250
- 3‑unit: $1,288,800
Loan limits
Conforming loan limits (CY2026) Part 2
Baseline conforming limits (most counties in FL & TX).
- 4‑unit: $1,601,750
Loan limits
FHA loan limits in Florida (CY2026) Part 1
Selected counties (1–4 units). If your county differs, we confirm the exact limit.
- Miami‑Dade (Miami): $667,000 / $853,900 / $1,032,150 / $1,282,700
- Broward (Fort Lauderdale): $667,000 / $853,900 / $1,032,150 / $1,282,700
- Palm Beach (West Palm Beach): $667,000 / $853,900 / $1,032,150 /…
Loan limits
FHA loan limits in Florida (CY2026) Part 2
Selected counties (1–4 units). If your county differs, we confirm the exact limit.
- Collier (Naples): $764,750 / $979,000 / $1,183,400 / $1,470,700
- Lee (Fort Myers): $541,287 / $693,050 / $837,700 / $1,041,125
- Duval (Jacksonville): $580,750 / $743,450 / $898,700 / $1,116,850
Loan limits
FHA loan limits in Florida (CY2026) Part 3
Selected counties (1–4 units). If your county differs, we confirm the exact limit.
- St. Lucie (Port St. Lucie): $603,750 / $772,050 / $933,050 / $1,159,950
- Hillsborough (Tampa): $541,287 / $693,050 / $837,700 / $1,041,125
- Orange County: $541,287 / $693,050 / $837,700 / $1,041,125
Loan limits
FHA loan limits in Texas (CY2026)
Selected counties (1–4 units). We confirm the limit by property address.
- Harris (Houston): $541,287 / $693,050 / $837,700 / $1,041,125
- Fort Bend (Katy / Sugar Land): $541,287 / $693,050 / $837,700 / $1,041,125
- Dallas (Dallas): $563,500 / $721,400 / $872,000 / $1,083,650
PMA
Next step
We review the right scenario before you write the offer or move the file.
- Purchase, refinance, and investor scenarios with structure.
- Fast comparisons before time gets wasted.
- More clarity to decide.
- A concrete next step.
Program highlights are provided for educational purposes and may vary by lender, property type, and borrower eligibility. All loans are subject to underwriting approval. Rates, terms, and guidelines can change without notice.
Recruiting
For Mortgage Brokers
A high‑trust platform built for experienced Mortgage Brokers. Compliance‑first systems, operational support, and technology that allows brokers to move faster without sacrificing quality. Built for professionals who want to grow production with the right infrastructure.
COVERAGE
Licensed coverage: FL
PMA maintains company coverage in Florida and Texas. Milena Coello's published individual coverage is FL; other states are served only through partner referrals.
Premier Mortgage Advisors LLC is directly licensed in Florida and Texas. In other states, PMA may accept the scenario and coordinate it through an independent mortgage professional licensed in the applicable state, under a broker agreement or authorized partner arrangement when applicable. Product availability, pricing, eligibility, approval, and closing depend on the licensed partner and complete file review.
Schedule online in minutes
No pressure and no back-and-forth. Pick the call that fits your situation. The calendar opens in a secure Microsoft Bookings popup.
Introduction call
15 minutes to understand your goal, your timing, and the next step.
Prequalification
60 minutes to review numbers, documents, and build a clear path to pre-approval.
Loan review
30 minutes to review your Loan Estimate or your current loan and tell you which options make the most sense.
Tip: Start with the call that best matches where you are today.