Forty years of helping Floridians become homeowners.
Debbie Cooley has been originating mortgages in New Port Richey, Florida since 1984 — through every market cycle, regulatory shift, and rate environment imaginable.
The practice behind the broker.
Debbie Cooley earned her mortgage license in 1984 and has originated loans through nine recessions, the savings & loan crisis, the 2008 financial collapse, the COVID rate shock, and every regulatory cycle in between. That experience is the reason her phone keeps ringing — clients refer their children, and their children refer their grandchildren.
Industry leadership
Debbie has served three terms as President of the Gulf Coast Chapter of the Florida Association of Mortgage Professionals (FAMP), and currently sits on the state committee as Education Chair. That work — teaching other brokers how to navigate compliance, programs, and underwriting — is one of the reasons her own practice runs cleanly.
Why an independent broker
Banks and direct lenders sell their own products. As an independent mortgage broker through her own brokerage, Debbie Cooley Mortgage (NMLS# 836635), Debbie has access to dozens of wholesale lenders. That means she can match each client to the specific lender, program, and rate structure that genuinely fits — not whatever a single bank happens to be selling.
Personal connection
Debbie is a Florida native and a mother — her daughter is a U.S. Air Force veteran, which informs her particular care and attention to VA loan clients.