Testimonials

I’m a first-time homebuyer who just closed on my house and Samantha was amazing to work with! She really took the time to make sure I understood the numbers and what the status of my loan was. I also felt like she cared about my best interests. She made the mortgage process quick and painless, and we were clear to close in only 14 days!

Janene and I have thought of you endlessly over the past year. We feel so lucky that we worked with you in the last hours before the pandemic really set in. You are the reason everything worked out and we could not be happier; have been on cloud 9 since the closing date. We will always remember your hard work and effort so the deal can work for everyone.

Samantha is an excellent mortgage lender. The process of getting a mortgage is stressful and difficult you need Samantha to guide you - she will evaluate your situation and provide you with a path to homeownership!

I was referred to Sam by my realtor, who had nothing but great things to say about her. As a first time home buyer, Sam made understanding and obtaining a mortgage a stress-free and uncomplicated process for me. I don't do social media but I joined yelp to specifically post this review because that is how impressed I am. I appreciate the time Sam took to go over paperwork line-by-line with me so I did not have to question anything. She responds to emails immediately and is always a step or two ahead of the whole mortgage process, explaining those steps in great detail along the way. Choose Sam as your mortgage broker to make your life easier!

Sam helped me last summer to purchase the home I was already living in. She made it easy on me as a sole proprietor to figure out how to make it work. Then, a year later we were able to refinance my home for an even better rate...she made it easy AGAIN and it was a contactless, painless process. I definitely recommend Samantha!!!

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

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!

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.

I work with Sam on a regular basis and she consistently gets her borrowers loans closed quickly (usually within 2 weeks!). She stays on top of all the in's and out's that are involved in a mortgage and is an extremely knowledgeable mortgage professional. This combination ensures your loan closes quickly, expertly, and with a personal touch. Mindful Money, LLC is the best place to get your loan closed at the best deal and as fast as possible!

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 you need and want if you plan on purchasing any properties . Our rates were spectacular you just can’t ask for a better person to work with.

Sam, Thank you so much for your help in getting our refinancing done so efficiently. It has funded. I think everything is completed except setting up payments and I am keeping my eyes open for an email from them. Please let me know if there is anything else. Again, really appreciate everything. Leisa

We used Samantha Cooley for the closing of a home in May, 2019. We were happy with the service and recommend her highly.

Samantha was my mortgage broker for the second time in recent years. She secured my rate and we closed in less than 12 days. My realtor was skeptical at first but she made him a true believer that she can get the job done FAST and very professionally . I would definitely recommend her.

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.

Samantha Cooley was a true professional! She was knowledgeable, timely and helped me get through the overwhelming paperwork. It was actually an enjoyable experience with very little stress.

Super quick, easy to follow the process. Trustworthy and excellent customer service and guidance. This is the second time I've worked with Samantha ad both times she hit it out of the park! Thank you Samantha!

Sam went above and beyond for me. I had a complicated situation, am self employed, and she was one of the only loan officers who immediately said, I can work with that!! She was willing to put in a lot of work to make sure I got the best outcome. I am so happy in my own home!!

Happy Buyer+Happy Seller=blessed Friday! Thank you to my team members who played a key role today! Joey T Lee our home inspector who rocks and Samantha Cooley who rocks and came all the way to Vista to meet our buyer who never hesitates to go over and above! And....even though the water heater is leaking...guess what, we don't worry because Janet Austin has us covered with American Home Shield home warranty who will either repair or replace even before we close! Thank you teammates...it takes each and everyone to make this happen seamlessly:)

Sam is wonderful! She sweet and puts her all into getting you just what you need! I highly recommend her! I give her ????????????????????????????????????????

Samantha is an excellent mortgage lender. The process of getting a mortgage is stressful and difficult you need Samantha to guide you - she will evaluate your situation and provide you with a path to homeownership!

Samantha is so dedicated and smart about finances & real estate!! She will never miss led you or waste your precious time. She is the master of TCB!! Contact her and let her help you to make a difference in your life! Really!!

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.

Samantha was very helpful in getting the mortgage that I needed for my home. She always answered the phone and got back quickly through email when I had questions. She was a pleasure to work with.

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!

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!

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.

Samantha Cooley was a true professional! She was knowledgeable, timely and helped me get through the overwhelming paperwork. It was actually an enjoyable experience with very little stress.

Sam just closed our loan. I was so impressed. I was hesitant since I am self employed and she made the whole process so EASY!!!!

Thank you for all of your support over the past few months as we worked together to closing on the refinancing of my home. Unsure and unnerved about the prospect of entering such a relatively large personal finical transaction, you immediately supplanted my fears with a roadmap to completion and the confidence that anything is achievable. Your proactive and quailed explanations throughout the process provided me a satisfying feeling of confidence. You probably identified me early as a “hesitator”, somebody who is careful about missteps, especially as they may relate to my family, my home and my financial well-being. Like an expert project manage, you asked the right questions, developed a plan for success with consideration for contingencies, and navigated us safely to a financially rewarding closure. Thank you for your timely and supportive jabs that kept me on track – I needed it. Wishing you the very best!

I really appreciate everything you did to help me and my kids. I am so grateful that I found you because there needs to be more kind and compassionate people like you that are willing to help others and not take advantage or discriminate against anyone. You are a wonderful person that I can't thank god enough for meeting. Not in person but talking to you was what I needed to calm so much of the stress I've been carrying on my shoulders for months now.

am helped us buy our dream home, she found a great loan for us and spent a lot of time making sure we understood all the numbers. Thank you!!

Samantha was phenomenal! It seemed like she was always available and she was really patient with us as first time buyers. We could not have asked for more from her and she was even able to get things together ahead of schedule and we got to close early! I will absolutely insist upon using her in the future.

Samantha is my go to. She helped me buy my first home has helped me refinance and most recently purchase our new home. I've never had any surprises working with her. Her knowledge has allowed us to plan and achieve our home ownership and investment home goals. Her foresight allowed us to gather information and be prepared before our file ever went to underwriting. Her professionalism, knowledge and good humor our obvious from first meeting to close of escrow. They say smart people don't like surprises. I'm one of those people, which is why I only work Samantha.

Samantha was exceptionally helpful in assisting my fiancé and I in buying our first home. She took the time going over the details with us, and was able to break things down as we were first time home buyers. The entire process was smooth, and we did not feel pressured to make any snap decisions if we were not ready. I would recommend her to anyone who is looking to buy a home here in Arizona or California!

I would definitely recommend Samantha and her team at SPF. My fiancé and I compared quite a few lenders before deciding to go with Samantha and are very pleased that we did. We received excellent, prompt service throughout the whole process from early pre-qualifications to the closing of escrow on our first home. Samantha is very personable and accessible- always willing to answer and explain anything related to the home-buying process.

Samantha has helped a number of my clients, my family, and myself successfully purchase homes. She is a professional through and through who knows her business and works hard to make her clients dreams a reality. You won't be disappointed with the service she provides. Having the experience of seeing how other lenders handle the loan process, I can truly say that Samantha is an expert and a joy to work with.

Samantha Cooley is an extraordinary loan officer that has helped dozens of my clients obtain home loans. With her extremely wide knowledge of loan programs, she has been instrumental in getting home loans approved for clients with unique situations (i.e. non-warrantable condo deals; clients with low FICO scores or even no FICO scores; investors wanting 10 home loans; clients 1 year out of bankruptcy, etc.) Samantha is quick to pick up on trouble spots early on and is able to come up with contingency plans for solving them. She is extremely proactive and her experience with lenders enables her to know what an underwriter may look for in terms of documentation. Samantha’s ability to anticipate these needs ahead of time helps to keep timelines on track. Having worked personally in the real estate and mortgage industry for several years, I know what a rarity Samantha Cooley is. The clients I have sent to Samantha have all spoken highly of her professionalism and dedication. I would recommend her 100% to anyone looking for a home loan.

Samantha is a great mortgage officer. I'd highly recommend her. As a Realtor, it is so important to be able to work with loan officers who are responsive, work hard and go the extra mile for their clients. I know Sam works extremely hard, and I feel confident referring people to her. She is a great loan officer and a great persona as well :). Highly recommend!

I always call Samantha with any loan needs She has navigated two challenging loan situations for us. A purchase with a tough buyer situation, and a refinance that required minute attention to detail. Both required daily diligence and communication, and she was always on top of that. She always finds a way to work through challenges and get it done. She is very professional and knowledgeable. No need to ever go anywhere else.

Samantha, you are an amazing person, friend and business partner!! I'm blessed to have met you. You take beautiful care of our clients! I have many choices of lenders out there but YOU ARE ALWAYS MY FIRST GO TO for them because you: 1)have a way with people. Your friendliness, your ease with discussing and pulling necessary personal information out of them while keeping them at ease, 2) you always make time to have the discussions with them even during after hours and weekends, 3)you have EXCELLENT followup and once you get the loan in house, YOU GUYS ROCK and you KEEP US INFORMED and YOU DO WHAT YOU SAY YOU WILL DO!! You are my #1 GO TO FOR LENDING!! and through our working relationship we've developed a friendship that I treasure and look forward to many more years! You are a CONTRIBUTING PART OF MY TEAM...and I thank you!!

Sam provides valuable information on funding options that assist buyers in making the best funding decision based on their needs. She's a marketing extraordinaire and has provided me flyers for numerous open houses! I appreciate Sam's expert assistance on ways to grow my business. Thank you, you're a true professional and wonderful friend!