Author Archives: Carlos Sa

Carlos Sa is the CEO of MILOS, an IT consulting firm serving the mortgage industry. He has more than 25 years of IT experience and an extensive track record of designing, building, and implementing mortgage technologies. Prior to founding MILOS, Sa served as Head of Information Technology for Mortgage Network, where he and his team built the company’s entire IT infrastructure, including its accounting systems, loan origination system, pricing engine, online rate lock, and online borrower portal. He can be reached at [email protected].

Push Button Refis: Fantasy or Future Reality?

February 8, 2023

Lenders remained profitable during the refi boom, but as Carlos Sa of MILOS explains, most lenders had difficulty keeping up, as refis are not always as simple as we’d like.