Legal Disclaimer.
Important legal information regarding the content of this website and the services offered by Debbie Cooley Mortgage.
Licensing
Debbie Cooley is a licensed Mortgage Loan Originator (MLO) in the State of Florida.
Debbie Cooley NMLS#: 210817
Brokerage: Debbie Cooley Mortgage NMLS#: 836635
Verify licensing at NMLS Consumer Access.
Not a Commitment to Lend
Information provided on this website, by phone, or by email is for educational and informational purposes only. Nothing on this website is or should be interpreted as a loan offer, commitment to lend, pre-qualification, pre-approval, or guarantee of loan terms or rates. Loan approval requires a full application, credit review, income and asset documentation, property appraisal, and program qualification. Not all applicants will qualify.
Rate & Program Changes
Mortgage rates, loan programs, and underwriting guidelines change frequently — sometimes daily. Examples and quotations on this website may not reflect current rates or terms. Contact Debbie directly for current rate quotes specific to your situation.
Calculator Disclaimers
The mortgage calculators on this website (payment estimator, refinance calculator) are for educational and planning purposes only. They illustrate principal and interest based on user-entered inputs and do not include property taxes, homeowner's insurance, mortgage insurance (PMI/MIP), HOA dues, or closing costs. Calculator outputs are not loan offers or commitments.
Reverse Mortgage Disclosures
A reverse mortgage is a complex financial product. Borrowers must be at least 62 years old (55 in some proprietary products). Borrowers retain ownership of the home and remain responsible for property taxes, homeowner's insurance, and reasonable maintenance. Failure to meet these obligations can result in loan default. Reverse mortgage borrowers are required to receive counseling from a HUD-approved counseling agency before loan closing. The loan becomes due when the last surviving borrower no longer occupies the home as a primary residence.
Equal Housing Opportunity
Debbie Cooley Mortgage does business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or exercise of any rights under the Consumer Credit Protection Act.
Tax & Legal Advice
Information on this website is not intended as tax, legal, or financial planning advice. Consult a licensed tax professional regarding the deductibility of mortgage interest. Consult an attorney regarding the legal implications of any mortgage transaction.
External Links
This website may include links to third-party websites operated by other companies (lenders, government agencies, application portals, etc.). We are not responsible for the content, privacy practices, or terms of those third-party sites.
Testimonials
Client testimonials displayed on this website reflect individual experiences and are not a guarantee of loan approval or specific outcomes. Individual results vary based on credit, income, property, and program eligibility.
Updates
This disclaimer may be updated from time to time without notice. Last revised: April 29, 2026.