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Cookie Hines

Cookie Hines

Regional Sales Trainer/Sr. Loan Officer

17280 N Outer 40 Rd, Suite 101, Chesterfield, MO 63005
Own what matters
Own what matters

About Me

Cookie Hines has been in the Mortgage Banking Industry for the past 30 years. In Cookie’s words, “What sets me apart from the competition is not only my knowledge and expertise in the business, but also my personalization with each client. I will be there, in person, every step of the way, from taking your loan application to reviewing and executing your closing documents. I am always looking to exceed my customer’s expectations.”

Cookie is able to offer very competitive pricing and her product availability is endless. For her, there is no difference between her dedication to clients, whether you are a First Time Buyer or a Multi-Million dollar buyer.

Guild Mortgage Company offers Conventional, FHA/VA, 203K, Jumbo, New Construction, and USDA loans. Guild also has great programs available for first time homebuyers with down payments assistance available. (Must meet qualifications.)

Cookie believes that choosing the right Mortgage for you is as important as choosing the right home and she vows to customize your loan to fit your financing needs.

The expertise and professionalism of the staff at Guild Mortgage Company set us apart from the competition. We are dedicated to insuring our customer’s satisfaction throughout the entire loan process.

So, if you are looking to Build your Dream Home or Buy an Existing Home; you just need some help in financing those much-needed home improvements; or, with the rise in credit card payments, do some debt consolidation, call Cookie today and let her help you with your financing needs. Take advantage of her NO COST consultation today.

As Cookie always says, “Treating my customers the way I would want to be treated and always being readily available to answer your questions is my promise to you. I’ve been making buyers’ dreams come true with over 30 years of Mortgage Experience!”

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.



A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.


If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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5.0 out of 5.0 stars
Jennifer S
Aug 21, 2023

Cookie made the home buying process effortless. She communicated clearly and helped guide us to make the best financial decisions. I will recommend Cookie to my friends and family. Thank you for everything!
Nicole K
May 19, 2022

Cookie was absolutely amazing! She was always there to answer any questions that I had and made the process very easy. I would recommend her to anyone in need of a loan!
Apr 25, 2021

As a first time homebuyer I cannot give Cookie enough props for making this process so easy. She is with you every step of the way to make sure that you understand everything and are blindsided by nothing. I cannot think of a more professional person that I have worked with and will be recommending others to. Cookie will definitely be my lender again if I choose to buy another home.
Dec 22, 2020

You are amazing at what you do! Thank you for making my refi experience stress free and easier than I ever thought possible.
Jul 25, 2020

Cookie Hines was awesome when I refinanced my home. She helped me find the right mortgage at a great rate and made the process super easy. She kept me informed along the way and made sure everything went smoothly.
May 24, 2020

You must have an experienced processor for the complex mortgage process. Cookie has the knowledge and experience to guide you thru the whole process from application to closing.

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NMLS ID #230727
I am authorized to do business in the states of Illinois, Kansas and Missouri. (;