Meet the Team
Coco the Mortgage Dog
Official mascot, chief morale officer, and the most enthusiastic member of Team Souther.
Say Hello to Coco
Every great team has a secret weapon. Ours has four legs, a wagging tail, and an uncanny ability to make even the most stressful mortgage conversation feel a little lighter. Meet Coco — the official mascot of Team Souther and the most beloved member of the office.
Buying a home is one of the biggest decisions of your life, and it can feel overwhelming. Coco is here to remind you that it doesn't have to be. Tom and Kim have built Team Souther on the belief that the mortgage process should be approachable, educational, and even enjoyable — and Coco embodies that spirit every single day.
Whether you're a first-time buyer feeling nervous about the process, or a seasoned homeowner looking to refinance, Coco wants you to know: you're in good hands. (And good paws.)
Coco's Official Profile
Favorite Loan Type
FHA — Fetch Home Approval
Specialty
Sniffing out the best rates
Years of Experience
Enough to know a good deal
Office Hours
Whenever treats are available
Licensed In
CO, CA & AZ (and the backyard)
Closing Gift
A very enthusiastic welcome
Coco's Top Mortgage Tips
She may not have a license (the mortgage kind, anyway), but Coco has picked up a few things hanging around the office.
Fetch Your Credit Report First
Before you start house hunting, pull your free credit report at AnnualCreditReport.com. Knowing your score early gives you time to fix any errors — and Coco says errors are no fun at all.
Don't Bury Your Budget
It's tempting to stretch for the biggest home you can qualify for, but Coco recommends leaving room in your budget for the things that matter — like toys, treats, and a yard to run in.
Get Pre-Approved Before You Dig In
A pre-approval letter tells sellers you're serious and tells you exactly what you can afford. Team Souther can usually turn one around in 24–48 hours — faster than Coco can find a buried bone.
Ask All the Questions
There's no such thing as a silly mortgage question. Coco asks questions all day long (mostly about squirrels), and Tom and Kim are just as patient. Call, email, or stop by — they love to help.
Ready to Work with Coco's Team?
Tom and Kim (and Coco) are here to help you understand and obtain the right home loan in Colorado, California, or Arizona.