Debbie Cooley-Mortgage

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Debbie Cooley-Mortgage Forty Years in the Mortgage business, the license teaches me the business.

Families may not remember their rate they do remember I told them the truth and got them to the closing table on time. My Mission is "To help home buyer's find the funds they need to finance their new home, by providing them with a selection of lenders, leveraging my experience and expertise with their best interest at heart".

Lunch at Tarpon Turtle in Tarpon Springs with Nancy Maminski of Birch Real Estate. Realtor and mortgage broker at one ta...
10/23/2026

Lunch at Tarpon Turtle in Tarpon Springs with Nancy Maminski of Birch Real Estate. Realtor and mortgage broker at one table, talking shop over that waterfront view — where good deals and good ideas get worked out. Grateful for partners like Nancy.

Debbie Cooley-Guy, NMLS #210817 — 727-688-2851

One of the charities the Timber Greens Veterans Group supports is K9 Partners for Patriots — they take dogs from shelter...
10/23/2026

One of the charities the Timber Greens Veterans Group supports is K9 Partners for Patriots — they take dogs from shelters and train them as service dogs for veterans. From shelter to service.

On the screen is Leo. His veteran, Autumn, says between K9 Partners for Patriots, Leo, and her family, she found her confidence again — she finished her Bachelor's and her Master's at Saint Leo University in two years, and Leo pranced across the stage with her at graduation. She calls him “my savior.”

That's the kind of work this group puts its weight behind, and I'm proud to be in the room.

Debbie Cooley-Guy, NMLS #210817 — 727-688-2851

At the Timber Greens Veterans Group meeting this morning. Today's presenter is a home healthcare agency — the kind of re...
10/23/2026

At the Timber Greens Veterans Group meeting this morning. Today's presenter is a home healthcare agency — the kind of resource every veteran and their family should know about before they need it. Good room, good people, and always an honor to spend time with folks who served.

Debbie Cooley-Guy, NMLS #210817 — 727-688-2851

FSBO series, part 3: "So I don't need a realtor?"I'm not going to tell you that. A good buyer's agent earns their keep e...
10/23/2026

FSBO series, part 3: "So I don't need a realtor?"

I'm not going to tell you that. A good buyer's agent earns their keep every day — negotiating, catching problems, keeping the deal on track.

But if you're buying for-sale-by-owner, here's what you absolutely cannot skip: a real estate attorney, a title company you trust, and somebody who's seen enough contracts to spot the traps. The attorney writes the contract right. The title company makes sure you actually own what you're buying. And I make sure the loan side is bulletproof.

Skip the agent if you want — but don't skip the team. 727-688-2851. Debbie Cooley-Guy, NMLS #210817

Before the workday starts, this is my quiet place — my little art studio, coffee in my favorite mug: “Let all that you d...
10/23/2026

Before the workday starts, this is my quiet place — my little art studio, coffee in my favorite mug: “Let all that you do be done in Love.” (1 Corinthians 16:14)

This morning I was layering an old hymn page — “Faith Is a Mighty Fortress” — into a journal piece. Slow work, by hand, one layer at a time.

People ask what a mortgage broker does for fun. This. And it's not a bad motto for the day job either: let all that you do be done in love.

Debbie Cooley-Guy, NMLS #210817 — 727-688-2851

Self-employed? Thinking about buying a house next year? Read this before you do your taxes.Here's what most self-employe...
10/22/2026

Self-employed? Thinking about buying a house next year? Read this before you do your taxes.

Here's what most self-employed buyers don't find out until it's too late: when you apply for a mortgage, the lender goes by the income on your tax returns — after all your write-offs.

Write off everything to save on taxes, and on paper it looks like you barely earned anything. Then the lender says you don't qualify for the house you can actually afford.

So do it in the right order:

1. Get prequalified BEFORE you file.
2. Tell your accountant you're planning to buy a house.
3. File showing the income you actually need to qualify.

It might cost you a little more in taxes this year. It could be the difference between getting the house and getting turned down.

Self-employed and thinking about buying next year? Call me before tax time — not after: 727-688-2851. Debbie Cooley-Guy, NMLS #210817

At USBH this morning at ArchWell Health in New Port Richey, with our group leader Ray Amanat. Great people and great con...
10/22/2026

At USBH this morning at ArchWell Health in New Port Richey, with our group leader Ray Amanat. Great people and great conversation — you should be here!

Debbie Cooley-Guy, NMLS #210817 — 727-688-2851

At the Greater Pasco Chamber of Commerce luncheon today with Susan Luca from Power Gals. Good people showing up for each...
10/21/2026

At the Greater Pasco Chamber of Commerce luncheon today with Susan Luca from Power Gals. Good people showing up for each other — that's how business gets done in Pasco County, and I love being part of it.

Debbie Cooley-Guy, NMLS #210817 — 727-688-2851

FSBO series, part 2: Yes, you can get a mortgage on a for-sale-by-owner home.The loan works exactly the same as any othe...
10/21/2026

FSBO series, part 2: Yes, you can get a mortgage on a for-sale-by-owner home.

The loan works exactly the same as any other purchase. Your lender doesn't care whether the seller has an agent. You still need a signed contract, an appraisal, and clean title work.

What changes is who's watching the details. No listing agent means nobody's double-checking deadlines, paperwork, or the fine print — unless you bring your own people. That's the title company, and somebody who's read a few thousand contracts.

That's me. Buying FSBO? Call me first: 727-688-2851. Debbie Cooley-Guy, NMLS #210817

Most people don't know this: you can use a reverse mortgage to BUY a home. It's called HECM for Purchase — you put down ...
10/20/2026

Most people don't know this: you can use a reverse mortgage to BUY a home. It's called HECM for Purchase — you put down part of the price, the reverse mortgage covers the rest, and there are no required monthly mortgage payments. Great option for downsizing or moving closer to family in retirement. Want to know if it fits your situation? Call me: 727-688-2851. Debbie Cooley-Guy, NMLS #210817

Address

3030 Starkey Boulevard #161
Trinity, FL
34655

Telephone

+17276882851

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