Samantha Cooley
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Samantha Cooley
At Mindful Money you are the number one priority. You have worked hard to get in the position of home ownership, we are here to guide you to your ultimate goal. With over 25 years of experience, we have helped tens of thousands of people from every walk of life. Don't risk your single biggest investment to just anyone.

With personalized service, and some of the lowest rates and fees, you will be 100% satisfied with Mindful Money, or your money back. Mindful Money strives to ensure that its services are accessible to people with disabilities.
Services
Samantha has been a mortgage loan officer for 15 years. Samantha works as an independent broker, this allows her to compare rates and options at dozens of banks instead of being tied to only one. This means she has more freedom to find her clients the very best loan for their specific needs, rather than using a "one size fits all" approach.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.
Applying for a mortgage can seem like a daunting and scary process. To help, we've created a checklist of things for you to compile, complete and acknowledge before applying. Credit history is a recorded file of past and current credit that is utilized to compile a credit score. A closing cost is a payment required to finalize a home loan and is separate from a down-payment.
The first step in obtaining a loan is to determine how much money you can borrow. In case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime. Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.
Reviews (10)
Rhonda Feuerstein
Rhonda Feuerstein
Jan 14, 2021
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Samantha Cooley was our mortgage broker for our new home loan. She helped me understand the process by answering my numerous questions and breaking down the process in a way that enable me to understand the steps.I would recommend Sam to people that need additional details and assurances when committing funds to a home.
Cydney Hastings
Cydney Hastings
Nov 06, 2020
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Mrs Samantha was a wonderful help to my family . And the quickest, I’ve never seen anyone work with you so promptly while still maintaining to keep her other clients happy . She moved us in our dream home in literally thirty days when it took everyone else who had our file two years . By far the most generous , loving, caring and very fast . I was very satisfied with our process and plan to use her the first chance I get to buy another home I couldn’t have asked for a better person to help my family and I . And all the help through out the process was a huge help she is the definitely the person
Donald Martinez
Donald Martinez
Jul 31, 2020
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Buying a house is a stressful experience and Samantha helped make the purchase as easy as possible. Every step of the way she made sure that my wife and I were informed on what was needed and how to handle any bumps that we would run into. My wife and I both felt that she had our best interest in mind as went through the home buying experience. I would recommend Sam to anyone looking for a home mortgage.
Dennis Manning
Dennis Manning
Dec 14, 2019
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I'm a Realtor with HomeSmart and have been in the business for more than 40 years. I have never seen a closing done as fast with no glitches as Samantha did for me in November 2019....less than two weeks to close. She is amazing!
Traci Rodriguez
Traci Rodriguez
Nov 18, 2019
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Samantha has been awesome to work with. She has helped us twice with refinancing now and both times offered the best rates, customer care and really listened to what we wanted. She gave us options to choose from and was very timely in her responses. I would 100% recommend her services and will work with her again in the future. Thanks Sam!
Traci Rodriguez
Jo Ann Fisher
Jo Ann Fisher
Oct 04, 2019
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Samantha was amazing during our loan process. It was one of the fastest mortgages I have ever done. As a self employed person I was dreading doing another mortgage but Samantha made it so easy. She stays on top of the process and is so nice to work with. Thanks Sam! You will always be our go to and who we refer others to for a mortgage.
Since rates dropped again, Samantha suggested we refi and again, she made it so incredibly easy! Thanks Samantha!
Kev C.
Kev C.
Jun 20, 2019
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I am very impressed with Samantha’s services. She kept me up-to-date on mortgage rates and helped me identify the best mortgage option based on my financial circumstances. She is very detail oriented and follow through every steps in the process closely. I would definitely get her help for my next purchase. Highly recommended.
Stephen Marro
Stephen Marro
Dec 24, 2018
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Samantha is amazing; She just helped my wife and I buy our first home stress free! Not only is she extremely knowledgeable, helpful, nice, and quick, she also puts in the hours to make sure you're getting a good deal. I highly, highly recommend her!
Leah Ray
Leah Ray
Oct 28, 2018
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Samantha is the best. Not only does she communicate options for lending she will help you reach your goals. I know everything about motgages, interest rates, and the market from Samantha. I received regular updates in the process and guidance on closing. Thank you Sam you have made buying a home enjoyable!
Terrance Sessoms Sr
Terrance Sessoms Sr
Aug 31, 2018
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Samantha Cooley was my mortgage broker and I must say she was outstanding and stuck with me throughout all the set backs and motivated and guided me all the way through the process. She was very professional and so helpful from start to completion. Samantha sent me information to help me budget and plan better for the future and still has been checking on my progress. I can truely say she cares about your best interests. Thank you Samantha, I am recommending you to my friends and family. Terrance