Our Story
David Milo
Broker/Owner
Independent Lending
NMLS 298796
David Milo
Since 2001, I have had the privilege of helping over 1,000 clients successfully buy and refinance their properties. I understand the complexities and pressures that come with purchasing a home, and I am dedicated to guiding clients through each step of the process, ensuring they are prepared for what lies ahead. Additionally, I appreciate the transformative financial opportunities that strategic refinancing can offer.
Whether you are buying or refinancing your first, fourth, or tenth investment property, my team and I specialize in crafting tailored mortgage strategies that meet your unique needs and help you achieve your long-term financial objectives.
I am committed to earning your trust and ensuring that your loan is processed quickly, efficiently, and with the highest level of service.
Michael Colapinto
Loan Originator
Independent Lending
NMLS 153739
Michael Colapinto
Mike is proud to celebrate 30 years as a licensed loan officer. Throughout his career, he has established a reputation as a caring, efficient, and highly knowledgeable loan originator. Mike is well-versed in a wide range of loan products and is recognized for his perseverance and dedication to client satisfaction. He consistently goes above and beyond to meet the needs of those he serves. Mike is typically the first to arrive at the office each morning and among the last to leave each evening. A California native, he earned his Bachelor of Arts degree in Geography from Humboldt State University.
Chelsea Santos
Executive Assistant
Independent Lending
Chelsea Santos
Chelsea is an experienced Executive Assistant with nearly five years of expertise supporting high-level operations with precision, reliability, and a commitment to excellence. She also brings over three years of leadership and customer service experience, which has strengthened her ability to anticipate needs, streamline workflows, and deliver exceptional support to both clients and team members.
Her background in client-facing roles has shaped her into an effective communicator and proactive problem-solver. Chelsea’s adaptability, strong organizational skills, and dedication to efficiency make her a valuable asset to the team and a trusted resource for colleagues and clients alike.
Juliet Mongia
Social Media Manager
Independent Lending
Juliet Mongia
Juliet, along with her assistant Meela, is our social media expert. Her strengths lie in analyzing data, strategizing content and campaigns, and reporting on key metrics. Juliet’s expertise in SEO and PPC content strategy, coupled with her ability to drive engagement across social media platforms, has made her an invaluable asset to the Independent Lending team.
Contact Independent Lending
Call Toll Free: 1.800.315.0043 / Local: 949.830.3151 or click the Contact Us button to fill out our secure web form for a call back. At Independent Lending, we give every loan request the respect it deserves.