Kristin Cooper -Certified Mortgage Planner & Divorce Specialist

Kristin Cooper -Certified Mortgage Planner & Divorce Specialist

Reviews Summary

The reviews consistently praise the exceptional service, expertise, and dedication provided. Customers highlight thorough communication, transparency, and personalized guidance throughout the homebuying process. Many appreciate the team's responsiveness, professionalism, and ability to simplify complex mortgage details. The lender is commended for going above and beyond, especially in challenging situations, ensuring a smooth, stress-free experience. First-time buyers and veterans particularly value the educational support and strategic advice. The team's organization, reliability, and proactive approach are frequently mentioned, with strong recommendations for their trustworthy, compassionate service.

About This Listing

Bookkeeping
Accounting
Business Consulting
Payroll
Tax Preparation
Tax Planning
IRS Representation
Financial Advisory
Estate and Trust Tax
Small Businesses
Mid-size Businesses
High-net-worth Individuals
Real Estate
QuickBooks
Xero
GAAP Compliance

Who Can Work with a CPA?

Individuals seeking tax prep, retirement planning, or financial advice
Small business owners needing bookkeeping, payroll, or tax compliance
Freelancers and contractors with 1099 income or complex returns
Couples planning finances together or managing joint returns
Investors with capital gains or rental property income
Anyone looking for year-round financial guidance and peace of mind

*Note: CPAs may specialize in different areas. Be sure to check credentials and service offerings.*

First-Time Clients

If this is your first time working with a CPA, don’t worry — most professionals offer a free consultation and will walk you through what to expect. You may be asked to complete an intake form, share financial documents, or set clear goals for your session.

What to Know Upfront:

Documentation Bring your most recent tax returns, income details, and any financial concerns
Availability Appointments fill up quickly during tax season — book early if possible

*Note: Every CPA operates a bit differently. Don’t hesitate to ask questions before committing.*

What to Bring

Government-issued ID for verification
Tax documents (W-2s, 1099s, investment summaries, etc.)
Receipts or logs for deductible expenses, donations, or mileage

*Tip: Organize your documents in advance to save time and ensure accuracy.*

Preparing for Your Appointment

Write down any financial goals or questions in advance
Check if your CPA offers virtual sessions or document uploads
Bring a notebook or use a notes app for key takeaways
Know your deadlines for filing, payments, or compliance

*Note: Preparation helps you make the most of your CPA’s expertise.*

How to Get Started

Use our directory to find highly reviewed CPAs near you. Reach out directly to schedule your consultation.

Other Helpful Info

Many CPAs offer both in-person and remote consultations
Fees may be flat-rate, hourly, or based on service complexity
Some CPAs specialize in industries like healthcare, real estate, or tech
Check for client reviews and credentials (CPA license, EA, etc.)

*Note: Every CPA is different — take time to find one who fits your goals and style.*

Features

Bookkeeping
Accounting
Business Consulting
Payroll
Tax Preparation
Tax Planning
IRS Representation
Financial Advisory
Estate and Trust Tax
Small Businesses
Mid-size Businesses
High-net-worth Individuals
Real Estate
QuickBooks
Xero
GAAP Compliance

Contact Information

Address

6085 Douglas Blvd #500

Granite Bay, California 95746

Hours

Sunday Closed
Monday Open 24 hours
Tuesday Open 24 hours
Wednesday Open 24 hours
Thursday Open 24 hours
Friday Open 24 hours
Saturday Open 24 hours

Customer Reviews

Kristin Cooper is hands-down the BEST at what she does. Thanks to her hard work and dedication, I was able to get the house I wanted something I honestly wasn't sure would be possible. From the beginning, Kristin was professional, responsive, and truly committed to helping me every step of the way. She made the whole process feel easy and stress-free, explaining everything clearly and handling every detail with care. If you're looking for someone who will fight for you, guide you through every part of the

I had a great experience working with Kristen as my Mortgage Advisor. Kristen and Cassandra were incredibly helpful throughout the entire loan process. They were professional, responsive, and always on top of every detail?making sure all deadlines were met. They even assisted me with document coordination both in the U.S. and abroad, including handling paperwork at the embassy. Kristen was always available and followed up regularly via email, text, and phone calls to ensure everything was moving smoothly.

Kristin was an outstanding help throughout the entire homebuying process. She was always available for any small questions I had. She made everything easy to digest for someone not familiar with the home loan process and vernacular, and the dashboards she would create were incredibly useful to help me visualize the breakdown of all of finances so I had ample time to prepare for and understand what my closing costs and monthly payment would look like. I would gladly choose her again as my lender.

On behalf of my family, I would like to thank you for all your assistance and effort to get our first investment property purchase. All of the information you provided me along this journey was very much helpful on making the correct decision. We sincerely appreciate it and we're truly happy working with you.? Thank you Kristin.

Kristin was a referral from a good friend. I am not a first time home buyer, but I learned so much from Kristin than I ever did with my first loan officer. I appreciate Kristin educating my husband and I all about loans and looking out for our best interest. Kristin was very passionate and well educated on the topic matter! I look forward to continuing our relationship with Kristin and her guidance on our future finances!

Kristin and her team are incredible. They are the best proactive communicators and never left me wondering. Kristin is so busy but always made me feel like she had time for me. She is exceptionally organized and made the process so easy. I would recommend Kristin and team to everyone I know as well as to any realtor. The personal attention goes the distance, especially when trying to get your offer selected. She personally reaches out to the selling agent and I think this was a reason my offer was chosen. I

Kristin and her team were amazing!! They were very professional, trustworthy and friendly. They kept me updated during every step of the process. And because of their transparency, it was a very seamless process. Will definitely do business with Kristin and her team again! I highly recommend!

I had the absolute pleasure of working with Kristin Cooper and I cannot praise her enough for the outstanding support she provided throughout the entire home buying process. Kristin truly went above and beyond to ensure the success of my buyers' deal. When complications arose with our previous lender, Kristin seamlessly jumped in, demonstrating a level of professionalism and expertise that immediately put us at ease. Her commitment to communication and transparency was exceptional. Kristin kept us informed

We had a very easy and calm experience, Kristen was always there to explain something or answer any question, Cassandra as well was very pleasant and helpful, we are very appreciative or their services. Sincerely the Allensworth's

I have worked with Kristin for over 10 years. She has not only helped many of my clients, she has also served as the lender for my personal purchases as well. She is an exceptionally well informed, motivated and creative lender who is willing to do the work needed to help clients who have complicated situations. She is consistently easy to communicate with, very professional, and always does what she says. I am happy to have a lending partner like Kristin on my team. I am always confident that my clients

I recently worked with Kristin to navigate the complexities of securing a mortgage, and I couldn't be more impressed. Her expertise and dedication shone through every step of the process. From our initial consultation to the closing of the loan, she was proactive, communicative, and always had my best interests at heart. They took the time to understand my financial situation and goals, providing personalized guidance and options tailored to my needs. She really thought outside of the box to make my loan h

I loved working with Kristin Cooper and her team. As first time home buyers we had tons of questions and a lot of things we did not understand. Her and her team took the time to answer all of our questions and made sure we understood everything. The process was super smooth and wasn't as stressful as I thought home buying would be. I really do recommend her and her team.

Working with Kristin and her team was great. They are on top of things and don't hesitate to stop and explain any questions or concerns you have. Great team and Kristin is very hands on. I would give them 10 stars if that was an option.

Kristin and her team are SENSATIONAL! My husband and I have been working with Kristin for the past 3 years as we looked for our dream home. Kristin provided incredible support, valuable information, and was the most trusted resource we had in this huge decision. Her in depth knowledge of the VA home loan process and support is unbeatable. She will blow you away with her knowledge, patience and excellence in teaching and answering questions, and will make you feel like you truly have someone looking out for

I am incredibly grateful to have found Kristin Cooper on YouTube. I needed advice on an investment property and how to properly mitigate my capital gains tax. During our conversation, she was patient and generous with her knowledge. She provided valuable insights and options for my situation. There are many mortgage brokers out there, but few offer such strategic guidance. I'm thankful for her consultation and know I'll be reaching out to her again for future advice.

I am glad a realtor recommended Kristin Cooper. You can tell she has a wealth of knowledge and experience. I felt like I was in good hands. And her advice was invaluable and I kept going back to that in making my decisions. I felt comfortable and felt that she was trustworthy, which once I find someone like that, I add them to my team for life! I have some team members I have gone back to over and over for the past 30 years- she will be one of them!

We were given Kristen Cooper?s referral to us by our realtor. Kristen got our loan pre-approved in the fastest time which was instrumental in getting our offer under contract. Kristen got us the lowest interest rate and always kept us updated and answered all our calls and questions promptly and professionally. She is extremely knowledgeable on every aspect when it comes to acquiring a loan of any type. Kristen and her assistant, Cassandra, made purchasing our new home fast and easy and we are truly gratefu

Kristin and her team are so responsive! They are truly an email, phone call or text away and I loved that. Everyone is friendly, super knowledgeable and solution oriented. They provide wrap around services and are there to support you every step of the way. I've purchased two homes prior to this and did not feel supported like I did by Kristin's team. They help with finding a realtor and homeowners insurance; they are on-track through the whole process from the beginning, if/when you're just looking into th

Kristin and Christine provided outstanding mortgage planning support throughout the entire process. From the initial virtual consultation, Kristin explained the financial models used to capture market analysis to select best mortgage fit based on fluctuating interest rates. Uploading our information into the team portal was easy and knew our information was protected at all times. Kristin and her team used checklists to document the mortgage pre-approval process so there was never any doubt where we were i

Kristin and her team did an above and beyond amazing job helping and guiding us in our home purchase journey. We would not be in our home without her determination. I would recommend Kristin and her team to anyone looking for a positive and productive experience. I would not hesitate if you are looking for someone who will fight on your behalf and help you succeed. Thank you to everyone involved in my experience ...keep up the good work!

Kristin and her team did a super job in helping us to navigate through the mortgage process. She was extremely knowledgeable, punctual and patient in all her dealings with us. Kristin and Christine were available to provide assistance whenever we needed it. They were always kind and understanding even when we needed things repeated more than once. We would gladly do business with her again and highly recommend her to others without any reservations whatsoever.

My boyfriend and I were looking for houses at the beginning of 2021 and after dealing with a few less than efficient folks, we were referred to Kristin and her team. The housing market has been so crazy since the Pandemic but having Kristin navigate us through the loan process gave us hope that we could finally complete the process. Kristin is the most detail oriented person I have met in the home buying process. She goes above and beyond at explaining the process as well as being thorough with how-to video

Kristin and her team absolutely crushed throughout the entire home buying process! As a first time buyer and a military veteran, I knew Kristin was the right person for the job. She went above and beyond to help my wife and secure the home of our dreams. She's competent, polite, and fast to act. Thank you so much, Kristin!

We could not have been happier with the service and support provided by Kristin Cooper and her staff at her company. Whenever we needed it they were there. We purchased from out of the area and they were there for us. We came to town for house hunting and the rest we did on line. We thought we would have to sign from the area we were departing but at the last minute we ended up signing in town and that didn't phase anyone we just did it. We can't say enough. We love the area and our new home. Thank You Kris

Looking for a true professional to help you with buying a home? Look no further. You have found the best. I have worked with Kristin and her team of professionals for the past 7 years. They don't come any better than Kristin. She is top notch, professional, knows her business, stays on top of the mortgage process from beginning to end. I could go on and on. Seriously the BEST in the business. If you want success. It is spelled Kristin Cooper.

Kristin is the best! We have been working with her since 2014. She helped us in the purchase of our first home. She assisted us twice in refinancing. We've also referred her to our family and friends who have given her positive feedback after working with her. We recently sold our beautiful home and bought our dream home with her advice and help. She is reliable, resourceful, knowledgeable, trustworthy, honest, kind, and compassionate about helping others! We highly recommend her and her team!

We worked with Kristin in 2021, in the midst of the housing explosion. We were referred to her by our realtor as a trusted and respected mortgage expert in the community, and we found out for ourselves that she is. Kristin works hard for you in the beginning of the process so the usual stress of the backend of a loan funding was zero. We were in the middle of a swift job change, and she helped us through our situation that could have been very stressful. She walked us through what she needed for our loan an

Kristin is amazing! She has helped me and my parents with several VA Loans! She has helped us with refinance ! She has so much knowledge! I highly recommend and will continue to use !

Kristin answered all of our questions, helped us navigate the system and understand what we were doing. It wasn't just about signing the right documents, but learning what they meant and how they impacted us. She brought to the forefront of our minds the financial education importance of the process. And she handled our very unique situation with ease and helped us to meet our goals despite many bumps in the road!

Team Cooper will get your from start to finish with speed, accuracy, and constant communication. Have completed to tricky transactions successfully with the team and I'm looking forward to the next one.

Quick process in securing a home loan and worked seamlessly with my pal and realtor Michael Nerby with Intero. Answers questions like a prof. Totally on your team

Kristin is incredibly knowledgeable at what she does...I absolutely recommend her!

Very knowledgeable and kind. Had a great experience.

Frequently Asked Questions

What qualifications should I look for in a CPA?

Look for a Certified Public Accountant (CPA) license, which ensures they’ve passed rigorous exams and meet state requirements. Check for relevant experience in your industry, additional certifications like CFA or CMA, and membership in professional organizations like the AICPA. Verify their credentials through state licensing boards.

How do I find a CPA in my area?

Use online directories like the AICPA, CPAverify, or state CPA societies. Search platforms like Yelp or Google for local CPAs with reviews. Ask for referrals from business associates, friends, or financial advisors. Local chambers of commerce can also provide recommendations.

What’s the difference between a CPA and an accountant?

A CPA is a licensed professional who has passed the CPA exam and met state requirements for education and experience. An accountant may lack this certification and could have varying levels of expertise. For complex tasks like tax audits or financial reporting, a CPA is typically more qualified.

How do I know if a CPA specializes in my needs?

Ask about their experience with your specific financial needs, such as tax preparation, small business accounting, or estate planning. Review their website or LinkedIn for case studies or client testimonials. Inquire about their client base to ensure they handle similar financial situations.

Should I check a CPA’s reviews before hiring?

Yes, reviews provide insight into a CPA’s reliability, communication, and performance. Check platforms like Google, Yelp, or the Better Business Bureau for client feedback. Look for patterns in reviews, but verify their authenticity, as some may be biased or outdated.

How can I verify a CPA’s license?

Visit your state’s Board of Accountancy website or use CPAverify.org to check a CPA’s license status. Confirm their license is active and check for any disciplinary actions or complaints. This ensures they’re in good standing and meet professional standards.

What questions should I ask during a CPA consultation?

Ask about their experience with your financial needs, fee structure, availability, and communication style. Inquire how they handle tax filings, audits, or financial planning. Ask for references or examples of similar work to assess their expertise and fit.

How much should I expect to pay for a CPA’s services?

Fees vary based on location, services, and complexity. Basic tax preparation may cost $150-$500, while business accounting or audits can range from $1,000 to $10,000+. Request a detailed fee structure upfront and compare quotes from multiple CPAs.

Can I work with a CPA remotely?

Yes, many CPAs offer remote services through secure online platforms for document sharing and virtual consultations. Ensure they use encrypted tools for data security. Remote CPAs can be effective if they understand your local tax laws or business regulations.

How do I assess a CPA’s communication skills?

During consultations, evaluate their ability to explain complex financial concepts clearly. Ask sample questions about taxes or financial strategies and note their responsiveness and clarity. Good communication ensures you understand their advice and fosters a productive relationship.

What red flags should I watch for when screening a CPA?

Beware of CPAs who guarantee specific tax refunds, lack a valid license, or have disciplinary actions on record. Avoid those with poor communication, vague fee structures, or negative reviews highlighting unethical behavior. Always verify their credentials independently.

Should I choose a CPA from a large firm or a solo practitioner?

Large firms offer more resources and specialized teams but may charge higher fees. Solo practitioners often provide personalized service and lower costs but may have limited availability. Choose based on your needs, budget, and preference for personalized attention.

How often should I meet with my CPA?

For individuals, annual meetings for tax preparation may suffice. Businesses may need quarterly or monthly check-ins for bookkeeping, tax planning, or financial reporting. Discuss your needs upfront to establish a meeting schedule that aligns with your financial goals.

Can a CPA help with both personal and business finances?

Yes, many CPAs handle both, but confirm their expertise in both areas. Ask about their experience managing personal taxes and business accounting simultaneously. Ensure they can balance both without compromising attention to your specific financial needs.

What should I do if I’m not satisfied with my CPA?

Discuss concerns directly with your CPA to resolve issues. If unresolved, check your contract for termination terms. Seek a new CPA by researching reviews, credentials, and referrals. Request your financial records to ensure a smooth transition to a new professional.

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