Kathy Cooley

Senior Loan Officer-NMLS# 78175/1850 American Pacific Mortgage Everett
As a licensed Loan Officer since 2003, I understand the profound impact that home ownership has in our lives and 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 best home loan solution for your specific needs: Purchase, Refinance, FHA, VA, Conventional, or Construction Mortgage.

On a personal note, I embrace my 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 Masters in Human Resources from Chapman University and a Bachelor’s in Communication 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.

Equal Housing Opportunity
Jun 26, 2020
Kathy is great! Process was easy and quick, no muss no fuss! Will definitely use this company again.
Jun 9, 2020
IT Manager
Kathy is a true professional. She stepped us through the entire process of our refinance. She was quick to respond to any and all of our questions. The process could not have been any easier and that is a true credit to her knowledge and commitment to her clients. It is without hesitation that I recommend her to anyone for their mortgage needs. Thank you again Kathy!
Apr 8, 2020
This is the first time I've worked with Kathy, and it will not be the last if I need her services. The closing went absolutely smooth with Kathy ahead of the curve every step of the way. It was quick and efficient, and dealing with Kathy was a pleasure. High recommend her for refinancing.
Jan 11, 2018
Sales Consultant/ Warehouse Manager
Kathy helped us with the purchase on our first home, and helped us close very quickly. So when we decided to refinance our home we contacted her for help and was able to get it done before the 2018 year. I would highly recommend her to any of our friends or family.
Oct 4, 2017
This was the first house that we had purchased in over 40 years and Kathy made the process smooth and easy to understand. She walked us through each step answering all of our many questions and gave us as much time as we required to take the next step. Kathy was a positive part of the whole process of purchasing our home. Thank you Kathy.
Aug 23, 2017
Kathy Cooley is outstanding in what she does! Professional, Personable & Prompt!!
We started off as a refinance on our house in Des Moines, WA. Within a week, we found out we were moving over mountain pass and across the state to Yakima, WA. Kathy didn't miss a beat! She gladly put our information on hold until we ready to purchase nearly 3 months later. Kathy seemed as if she was right next door the whole time; she kept in regular contact with us, just to make sure we needed anything!
We were extremely satisfied with Kathy and American Pacific Mortgage!
Highly recommended!!

Greg and Lori Scott
Jun 15, 2017
WOW! Kathy is OUTSTANDING! She made the whole loan experience one of the easiest parts of buying our home. She patiently answered all of our questions, and explained everything to us very thoroughly. She was able to overcome any issues that came our way during the process. She really cares about her clients!

We honestly couldn't have asked for a better experience. We HIGHLY recommend her, and we will share our great experience with everyone we know!
Jun 3, 2017
Union Ironworker
When I started the process of buying a home I was working with a different company. It was the worst most stressful experience. Then I started working with Kathy and it was easy, informative, and stressless. She was quick, available, and supportive through the whole process. I wijll not use another person or send anyone to another place for as long as she is in the business. I cannot believe how wonderful it was to have her helping.
Jan 18, 2017
Forman/crew lead in construction
Being first time home buyers can be a scary experience. The whole process can either go smoothly or horribly wrong. We are happy to say that we had a great experience. Kathy Cooley and American Pacific Mortgage helped ease our way of getting a perfect home for our family. Any questions we had were answered in a very timely fashion. We were guided step by step of what is required on each part of home buying process from getting a loan to closing on a loan. We are happy to say that our experience was very good one and we would recommend Kathy Cooley and American Pacific Mortgage to our family and friends any day. Thank you.
Oct 13, 2016
Kathy Cooley was very prompt and quick to get back on any questions we had. I enjoyed working with her. She eased the process and helped understand the whole refinance process. Thank you.
Oct 13, 2016
Artak Matevosyan
Kathy was great working with , I will really recommend her , on another side appraisal was not good at all it put me in the loan with Morgate insurance that I was trying to get out off .
May 14, 2016
IT Project Coordinator
Kathy did an amazing job with our refinance. She made the entire process seamless and was there to guide us in every step.

She was thorough in answering all of our questions and concerns and was communicating with us regularly. Thank you Kathy!
May 14, 2016
We Had a wonderful Experience with Kathy Cooley. She was aways available and guided us threw the whole process.
May 14, 2016
Kathy was amazing in getting me the financing needed to aquire my new home. Even with the complications of it being inherited property, she managed to take care of all the paperwork needed through all parties involved with no problems. I recommend Kathy Cooley and the team at American Pacific 100%!!!
Oct 22, 2015
Couldn't have asked for a better person to help me navigate the purchase of my first home. Kathy listened to what I wanted and needed and worked with me to find the best solutions. She was always readily available and able to answer the questions the inevitably arose. I closed without one hiccup in 30 days--amazing!!! Would absolutely recommend working with her every time!
Oct 9, 2015
Sales Executive
My husband and I have worked with Kathy on three separate occasions. When we first met Kathy we were in a bind and she was able to take our loan and close it on time without any hiccups. She is very professional, organized and detailed. She can listen and take action on anything. She understood what was important to us and she did her best to make sure that all of our requests were met. We just did a seamless refinance with Kathy and we will forever trust her with our housing decisions.

Kathy you are amazing at what you do and I can't wait to recommend you to more people. Thank you for always being there for our family and making sure that our needs were met. It is nice to know that we have peace of mind with our loan officer. Thanks Kathy!
Oct 7, 2015
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.