& Integrity

is key to create a calm environment in an ever changing mortgage market.

NMLS License# Debbie Cooley-Guy NMLS #210817 | Branch NMLS #836635


Debbie’s integrity is the core of our mortgage brokerage business. Your one-stop center for your Conventional, FHA, and VA mortgage, refinance home equity loans, and more. Debbie Cooley Mortgage makes mortgage financing easy.  Everything we do, we do with the highest integrity.  We accomplish getting mortgage loans completed because of the years of experience we bring, the knowledge that comes with that experience and good communicating.  We become a trusted partner between the buyers, lenders and other real estate professionals involved. People come to us because they can trust us to be honest with them, bringing calmness to the whole mortgage process which can be overwhelming and confusing to first time home buyers and people who are starting over in a new state.

Community is at our heart. We bring a better mortgage or refinance loan processing experience to everyone who wants to move in our surrounding area or refinance their existing home.  Being able to help first time home buyers is extremely satisfying for Debbie.   Since Debbie’s daughter is a United States Air Force Veteran,  it gives us the unique opportunity to build a stronger community when helping veterans obtain financing.  By partnering with homebuilders and realtors we are able to continue to focus on excellent customer service which has enabled us to increase successful closing volume month after month.

“In the Middle Of Every Difficulty Lies an Opportunity” – Albert Einstein

With integrity and knowledge working with a mortgage broker is always better.

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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

Just want to thank you for all of your help. I know I can trust you and that puts my mind at ease. You are quick to respond to my inquires and always have everything under control. Thank you for making this such a smooth process.
I referred you to my friends Richard and Megan Coyle (they live in my community). They will reach out to you when they decide to do a refinance.

Take care,


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!