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Sr. Mortgage Advisor

Kathy Cooley

NMLS #78175 / 1062505

Sr. Mortgage Advisor • Everett Branch

Office: 425.903.3889 
Cell: 425.478.9008
Licensed in WA

About Kathy


As a licensed Loan Officer since 2003, I understand the profound impact that homeownership has in our lives. It has been my honor to assist so many of my clients through the process of financing their home, possibly the largest financial decision in their life.

I strive to practice the highest level of integrity and honesty in my business. As my client, you can count on me to go the extra mile for you, while maintaining consistent communication. You will be given all of the knowledge, information, and options you need to make a wise financial decision regarding your new home loan. I have extensive knowledge of the mortgage industry and working with American Pacific Mortgage, I have access to local in-house underwriting and funding. I am passionate about serving others and would love to personally help you find the home loan solution for your specific needs: Purchase, Refinance, FHA, VA, Conventional, or Construction Mortgage.

On a personal note, I embrace the core values of honesty, integrity and family. I am a long time resident of Mill Creek, WA, and with my husband, our favorite pastime is watching our daughters excel in their chosen sports of softball and soccer. I have a MA in Human Resources from Chapman University and a BA in Communications from WSU.

Please give me a call or email today and let’s discuss your financial goals and find the ideal home mortgage for you.

Branch Address: 808 134th Street SW, Ste 205 Everett, WA 98204

What our customers are saying...

"Kathy has been such a blessing to have as our mortgage lender!  My husband did a refinance with her in 2012 and we could wait to use her again for our primary residence.  Kathy always answered my questions and even went out of her way to find mulitple avenues for us to take when a slight bump came up on our end.  We couldn't imagine using anyone else and would definitely use Kathy again in the future."

Brittney Mugge

"Kathy is by far the BEST when working with trying to get approved and closed. She continually goes above and beyond the norm to make sure you get the best possible service and all goes through without a snag. "

Robin Skeen

"Kathy was amazing to work with.  As first time home buyers, we had a ton of questions and Kathy always went above and beyond to help us truly understand all of the our options.  She definitely helped make our first purchase a great experience." 

Trevor Johnson

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Is Right For Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide which mortgage is right for you.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Thanking our Servicemembers: Your Guide to a VA Loan

In this guide, you will learn why VA loans are a great option for homeownership for active members and veterans in our armed forces.

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Let us help you find the home loan to reach your financial goals.

American Pacific Mortgage Programs

Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer will be the most attractive in a competitive market. Keys on Time Guarantee Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Buy Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Build Our Bridge Loan programs can help you purchase a new home before your existing home is sold. Bridge Loan Programs If you are looking to buy a home that exceeds conforming loan limits, we have multiple Jumbo loan programs to choose from. Jumbo Programs Our Peak Loan program allows you to buy a home up to $1.5M with only 5% down. Peak If you are looking to finance a home that exceeds conforming loan limits, our High Balance Solutions program may be the ticket you need. High Balance Solutions If you are looking to finance a home that exceeds conforming high balance loan limits, you can split the loan amount between a first and second with our Jumbo Solutions program. Jumbo Solutions With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t "fit" the standard agency or jumbo program guidelines. Expanded Access Investor Advantage gives you the most purchasing power in the market today for investment properties. Investor Advantage A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. Asset Inclusion If you can dream it, you can make it a reality. Finance the purchase of your fixer upper with the cost of repairs included in your mortgage. Dream Home Renovation Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. Home Ready by Fannie Mae Purchase a home with low down payment and flexible sources of funds. Home Possible A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. STaR Loan Program Financing provided for the purchase and refinancing of manufactured homes. Manufatured Housing

Home Buyer Blog