Trusted for the best rates and service.
Miller Mortgage is an independent, local broker — we work for you, not a bank. For 20+ years we've helped families from New England to Florida buy and refinance with confidence.
- We shop dozens of lending partners for your best rate
- Local experts who answer the phone — never a call center
- Realtors, attorneys and insurance through one trusted team
What would you like to do?
Takes about 2 minutes · no credit pull · no SSN needed
Prefer to talk? Get a free quote or call 877-538-7967
NMLS #2513 · Licensed in MA, NH, ME, CT & FL
Today's Mortgage Rates
Sample rates from our lending partners — your rate is personal, so call us for an exact quote.
Rates as of 2026-08-24 · view disclosures
How We Help
Convenient online access makes it easy to achieve your financial and homeownership goals.
Home Buying
Free prequalifications and consultations. Great service and low rates, every step of the way.
Start your journey →Refinancing
Lower your payment, drop your rate, or take cash out. We'll show you honest numbers first.
See if it makes sense →Loan Programs
Conventional, FHA, VA, jumbo and Non-QM options — including DSCR and bank statement loans.
Explore loan programs →Calculators
Estimate your payment, see what you can afford, and compare refinancing scenarios.
Run the numbers →Why work with an independent broker?
Because we work for you — not a bank.
- We shop dozens of lending partners for your best rate
- Local experts in Massachusetts & New Hampshire — not a call center
- One-stop shop: realtors, attorneys and insurance through our network
- Flexible programs, including low credit score options
What Our Clients Say
Real reviews from real closings.
★★★★★I refinanced my mortgage with Nick G at Miller Mortgage. I wish I found them sooner! Easy to talk to, straight forward and insightful. Made the process simple and painless. Nick got me a great rate, lower monthly payment, and into a better program. Highly recommend!
— Nichole Blanchflower
★★★★★Recently my wife and I refinanced our house through Nick Gerakaris at Miller Home Lending. Nick's follow up phone calls and emails were even better than the standards I hold my own team to! Nick went above and beyond, working with me on weekends to get our deal done, and even identified fraudulent accounts on my credit report, giving me solid solutions to repair my credit and eliminate the fraud altogether. The experience from beginning to end was simply fantastic.
— Brian Petrie
★★★★★Had a great experience with Miller Home Lending. They were very professional, made the loan process very convenient, provided multiple options to consider allowing the best choice to suit my needs, and of course got a great rate on a mortgage refinance. Very responsive to all questions so I was well prepared for the closing.
— James Donahue
★★★★★My husband and I just refinanced with Miller Mortgage and had the absolute BEST experience EVER. We have refinanced before, but Miller Mortgage exceeded our expectations. They were responsive, straight forward and easy to deal with. It was the easiest process we have ever had!
— Anita Swanton
★★★★★Chris and Dawn were an absolute pleasure to work with. They were knowledgeable, professional and incredibly responsive, keeping me posted every step of the way to refinancing my home. They provided a great rate and made the whole process smooth and easy. I would highly recommend checking out Miller Mortgage!
— Thomas Kelleher
★★★★★Miller Home Lending was great for both my first mortgage and then later on for my refinance. They reached out to me to let me know I could refinance for a lower rate — I didn't even have to inquire first, which I appreciated. They flawlessly helped me through the process both times for great results!
— Jeremy Rodriguez
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