Borrow Smart Home Loans
Borrow Smart Home Loans was founded on a clear mission:
to help people borrow with confidence, clarity, and strategy.
We believe a mortgage isn’t just financing — it’s a financial tool. Our purpose is to guide homeowners, buyers, and investors to make informed decisions rooted in education, not pressure. Every loan is structured with intention, focusing on long-term financial health, wealth-building, and future stability.
At Borrow Smart Home Loans, education comes first.
We break down complex mortgage terms, compare options, and explain the “why” behind every recommendation. The goal is simple: to empower clients to borrow smart, not blindly.
What We Stand For
Education over sales
Strategy over guesswork
Long-term wealth over short-term decisions
Clarity, transparency, and communication every step of the way
Whether someone is buying a home, refinancing, investing, or restructuring debt, we guide them to the best path for their goals, not the easiest approval.
Because when people understand their loan, they gain control of their future.
Borrow Smart. Build Wealth. Live Confident.
This is more than a tagline — it’s the standard we operate by.
Why work with Kristin Cooper & Team Cooper?
I am dedicated to your best interest! From the initial pre-approval to the final closing, my aim is to deliver top-notch service while ensuring savings for you. Expect a tailor-made experience as I explore the right loan program and most favorable terms specifically for you.
Your trust as my client or real estate agent is fundamental to my success. I commit to guiding and supporting you throughout the mortgage journey. With a variety of loan products, I ensure you have access to numerous options, competitive rates, and minimal fees. Delivering exceptional customer service is at the heart of what I do.
Kristin Cooper
As an accomplished Certified Mortgage Planning Specialist, I am deeply passionate about helping clients achieve their homeownership goals and create long-term wealth. With expertise spanning over 20 years, I specialize in mortgage planning, financial education, divorce lending, and first responder and military lending, allowing me to help my clients with an advanced perspective.
As a seasoned professional and financial educator, I possess a comprehensive understanding of the mortgage market, lending products, and compliance rules and regulations. I not only guide clients through the complexities of mortgage processes but also provide customized financial education, valuable insights, and expert guidance, empowering clients to make well-informed decisions aligned with their goals.
What sets me apart is my personalized, client-centric approach and my desire to forge lasting relationships to continue to support my clients around smart money decisions. I listen attentively to my clients' needs, offering tailored mortgage solutions that cater to their unique requirements. As a Certified Liability Advisor, Mortgage Planning Specialist, Divorce Lending Professional, and Military Housing Specialist, I bring a wealth of knowledge, expertise, and integrity to every client interaction, making me a trusted and reliable advisor. Not just for Home Loans but for an advanced financial perspective.
Outside of work, I cherish my role as a devoted mom and wife to a military veteran currently in law enforcement. I find joy in travel, outdoor activities, and creating educational content and systems that enhance the lives of others. With me, clients not only secure their dream homes but also gain a caring and kind advocate who is committed to their financial well-being and success.