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Innovative Mortgage Services, Inc.

Debbie is the daughter of a United States Air Force Veteran and in 1984 Debbie began her career in finance with Fortune Savings Bank. As a Bank Mortgage Officer Debbie consistently exceeded customer service satisfaction goals while closing over one million dollars in monthly production in mortgage loans. In 1991 Debbie transitioned to PA Mortgage, in Tampa Florida and honed her skills and acumen of the mortgage industry as a licensed mortgage broker.

NMLS License Numbers: Debbie Cooley-Guy NMLS #210817 | Innovative Mortgage Services, Inc. NMLS #250769


Debbie had the unique opportunity to develop relationships with homebuilders and realtors. Her continued focus on excellent customer service enabled her to increase successful closing volume in excess of $3 million per month in mortgage loans.

In 2004 Debbie joined Wells Fargo Mortgage and took a lead position in a joint venture with Remax Realtec in Palm Harbor and in 2006 ventured out on her own as President and CEO of Fortune Lending. Debbie’s depth of knowledge, background and professional experience as a loan originator and successful business professional have helped thousands of Americans achieve the dream of homeownership and lower monthly mortgage payments.

Clients, set your expectations high because Debbie plans to exceed them. You can count on her to develop a financing package to fulfill your long-term financial plans. Debbie’s clients know that she is very accessible and will stay with them through the entire mortgage loan process. Most importantly, you can expect clear, concise, and accurate information from Debbie without any mumbo-jumbo.


Debbie has served on the Board of the Florida Association of Mortgage Professionals Gulf Coast Gulf Coast Chapter and won the FAMP Chapter of the Year during her 2017 Presidential term. Debbie has also been a board member with her local BNI Chapter as well as Trinity Positive Business network. Currently, Debbie is married to a United States Army veteran who together started a non-profit, the 495th Legends, to provide aspiring ROTC members with scholarships. Her passion is serving the veteran community with VA loans and carries a VA Certification. She cannot wait to service your mortgage needs as a branch manager with Innovative Mortgage Services, Inc.

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Loans information

Conventional Loans

Conventional Loans

Conventional loans for terms as little as 10-years and as great as 30-years. Fixed, adjustable, and terms available.

FHA Loans

FHA Loans

Insured Mortgages as a Third Party Originator. Down payments as little as 3.5%. Less restrictive qualifying guidelines. Gifts permitted.

First Time Home Buyer Loans

First Time Home Buyer Loans

Being a first-time home buyer – individuals who haven’t owned a home within three years – Florida Housing programs can offer a reasonable mortgage option

VA Loans

VA Loans

Veteran Administration loans honor our military personnel with 100% financing and competitive terms.


I was a first-time home buyer and Debbie was extremely knowledgeable about the process and helped walk me along every step of the way (and updated her estimates with the changes and options I could think to throw her way). Debbie was like a mom to my wife and  I, shepherding us along this process in a way that gave us confidence and helped us learn it all. We also used Debbie when we decided to refinance a year later and she was still just as great! Thank you, Lord for Debbie!

Tony B. from Jacksonville, FL

Debbie Cooley-Guy was referred to me by my realtor, to handle my mortgage financing. Debbie was easy to work with, was always accessible to us, and closed our loan on time. As the wife of a veteran, I found her knowledge of VA loans to be particularly helpful for us. I also found her company very competitive with rates and fees. I would highly recommend Debbie to any of my friends and family and especially to veterans.

Sarah Barkley-Raaymakers from Odessa, FL

Debbie Cooley-Guy has become a dear friend to me over the years who has serviced me through multiple mortgages! As a realtor I have become to partner with her over dozens of home loans these past several years. She is an incredibly passionate and driven woman who knows her stuff! I would recommend Debbie over any other Mortgage Loan Originator in the state of Florida. God bless you Debbie!

Karen Bailey

Online Resources

1. Secure Sign-Up Portal: Begin your home buying journey by applying through our secure online portal.
2. Google Mortgage Calculator: Calculate what your monthly payments can end up being as well as your maximum loan amount.
3. HomeReady Income Calculator: To be eligible as a HomeReady mortgage, the total annual qualifying income may not exceed 80% of the AMI for the property’s location.
4. Innovative Mortgage Services, Inc.: Want more information on Innovative Mortgages? Check out their website!