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Suburban House

We eliminate all the smoke and mirrors and shell games and we explain why when you call 5 different companies you get 5 different answers regarding interest rates and closing costs!



Mountain Trust Mortgage's mission is to provide you with high quality mortgage programs that are tailored to fit your unique situation at some of the most competitive rates in the nation.

After receiving your information, Mountain Trust Mortgage will be able to get a complete look at your financial situation to determine how to use your new mortgage as a financial tool. Or, Mountain Trust Mortgage will learn more about the home you are selling or what kind of home you are looking to buy.

Mountain Trust Mortgage is dedicated to helping you. To get started, browse the current home listings or fill out the online mortgage application.

Feel free to contact one of Mountain Trust Mortgage's professionals by calling 858-376-1299. Mountain Trust Mortgage is more than happy to answer any questions that to you and your family in finding the best home and loan options available.

Mountain Trust Mortgage Services, Inc is licensed by the Department of Real Estate DRE number #01367668. 

About Us




Educating you about your mortgage options is our number one goal.



Refinancing could save you a ton! Ask us about your options.



Whatever you are in the market for, let us help you find the one that fits your needs.



Let us show you how to turn your biggest asset, your home equity, into funds for your retirement needs.



There are so many benefits to the VA, let us tell you about them!



Find out more about this mortgage loan offered to rural property owners.

Our Services


Our team of dedicated mortgage loan originators are happy to answer any questions you may have. Finding the loan product that best fits your life is our number one goal!


We pride ourselves on working with you to find the best loan products to fit your exact needs. Contact us today to receive your free confidential no obligation consultation.

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Free Consultation


Thank you to Gary Cooper for being an excellent mortgage broker, nobody else could handle our loan.. You have the special touch and skills! We are so glad we found you and trusted you to get our house refinanced. We highly recommend you and your company. Today's lending environment is harder than ever, BUT YOU MADE IT HAPPEN! Good Job!! We signed docs today.

Charlotte Y.

I kept hearing him on the radio from the Mighty 1090.  So I contacted him thru his website about a loan and to see how much we can afford.  Gary had called me that day and made an appointment.  I had everything ready for him that he needed and within a week, we were pre-approved using a VA loan at 4%.  He showed us the bond market and how everything is affected, told us the rates and even had most of our closing cost covered thru the yield spread premium.   I was stoked and decided to use Gary for Reality service too.   We told him what we wanted and what area and within a day or two, my wife and I were already looking.  It took about a month to find the house and of course we were looking at two houses.  One of the houses was really nice and too many restrictions, we did not win that one, and the other one was perfect, he worked hard on to get us that house for a great price in a great neighborhood.  Once we started escrow, he was super busy because of the rates, but he set time for us to look at the house many times for walk thru, my family seeing the house, and other reasons.  When we hit a bump in the road, Gary was on it like white on rice and was able to close on time.  I would recommend Gary Cooper to anyone who is looking for a loan, house or both.  He is a pleasure to work with and always looking out for your best interest.

Jason S.

Gary Cooper, you are a Godsend! So two years ago, Husband and I found ourselves in dire need of our own home. Not sure where to turn to, so we prayed about it, and BOOM -- Husband heard about Mountain Trust Mortage on the radio, and was moved to contact it. Gary Cooper is the cat's meow. Can't say enough good things about him.

He explained what our situation entailed, and what programs we qualified for given our one year-almost two years post short sale history. Since we had to secure a home in a hurry, Gary searched for a program that we could live with, and most of all, EXPLAINED all the details in laymen's terms until the light bulb went off. Patience of a saint, and real estate savvy, Gary made sure we were well taken care of, and not fleeced. He showed us the numbers he was crunching on our behalf, and was kindly and candid.

After introducing us to his intrepid Real Estate Agent Extraordinaire -- Ms. Sarah Smith -- we settled into our new home. Fast forward 1.5 yrs, and Gary contacted us with news of a new mortgage program that will potentially save us more money off our current mortgage payment. Off we go to see him again, to investigate, and sure enough, he showed us the numbers, patiently explained everything again, and did not pressure us to decide. Because of his honesty and integrity, and the fact that the numbers don't lie, we opted to go with this new program. We will apply the savings to our balance principal, so we can hopefully pay off our mortgage faster.

Folks, Gary Cooper is honest, has integrity, and most of all, patience and the terminology to help you navigate the confusing real estate market/mortgage mazes. We are so glad Husband was moved to contact him. You won't regret it -- thank you, Gary!

Meghan C.


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Tel: 858.376.1299  


Fax: 858.376.1322


Mon 09:00 AM — 05:00 PM


Tue 09:00 AM — 05:00 PM


Wed 09:00 AM — 05:00 PM


Thur 09:00 AM — 05:00 PM


Fri 09:00 AM — 05:00 PM


Sat & Sun Closed

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