The Seattle startup tried to own the entire homebuying experience. A frozen housing market forced a sharper idea: let local professionals keep the customer, and give them the financial machinery to make moving possible.
Traditional underwriting can look straight through a seven-figure wallet. Milo built a 30-year loan around that blind spot - and learned that the hard part was not crypto, but trust.
Two former Zillow executives raised a startling $70 million before proving their digital lender at scale. A brutal mortgage winter forced the sharper idea: use software to strip cost from the loan, show the price upfront, and make trust the product.
The Orlando lender built a national machine by making itself useful to both homebuyers and the people who deliver them. Its most revealing product is not a mortgage rate - it is a partnership system designed to keep complicated closings moving.