I am a Mortgage Broker with a small firm in Raleigh North Carolina, Cole Mortgage LLC.  I absolutely love what I do and it brings me great joy to help people fullfill their lifelong dream of owning a home.  I love the sigh of relief that a first time home buyer has when he/she signs the last paper securing thier new home.  It's one of the top 5 moments in a persons life and I get to share that with them.  Also I love when I get to do refinances that will put customers in a better financial position and relieve some of the stresses of life due to financial hardships. 

Because our company is small in size we have extremely low overhead costs.  This allows us to offer our customers the absolute best deal available.  Most lending institutions have high amounts of overhead cost to run their business, and usually most loan officers are splitting their commission checks with their brokers so they have to charge your more and raise your rate more to make enough money to live on.  Not me!  I count on 10 - 12 loans per month because that is generally my limitation due to the fact I process my own files as well but this is just another way for me to save you in fees.

My open style of communication allows for purchases deals to go very smoothly.  I have a very systematic way of communicating to all parties in envolved in the process.  There is not one part of the process that goes by that you will not know about.  Even if there is a delay in underwriting and nothing moves along on that day the customer, the customers realtor, and the selling realtor will all get an email giving an update.  This is a daily process for me.

I understand that as long as everyone is informed on what is going on during the process of the mortgage, everything seems much better.

I write loans, big loans, small loans, easy loans and hard loans.  I love writing loans!!! 

I specialize in:

1. Divorce Mortgages

2. Investor purchases

3. Cash-Outs and Rate and Term Refinances

4. Jumbo Loans

5. FHA, VA, USDA Loans

* I am licensed to write loans in all 50 states as a tradition wholesale broker.  I have access to all 22 of the major lending institutions left in the industry.

"Mr. Cookman is the most caring mortgage professional that I have ever met.  He walked me through each step of the process, explaining what every piece of paper meant.  I feel like I was apart of the whole process instead of just hopefully watching.  I would suggest that everyone call Mr. Cookman before they finalize their loans.  I even referred my father to him."

                                                                                                                                         - David - D.R. Horton HR

"I was going through a terrible divorce and John was the most thoughtful and considerate person.  He made me feel as if we were a team and I wasn't just another number on the balance sheet.  It's hard enough to go through a divorce but when you are trying to get a mortgage in the middle of all that it can be quite overwhelming.  I really don't think I could have completed this transaction without someone being patient, kind and hard working like John was for me.  I will recommend him to all my family and friends"

                                                                                                                                     - Dianna S. , Single Mother of 3