Our Team

Our Team Is at Your service

Michelle Farrugia

Founder & Mortgage Broker

Michelle launched Cognitive Capital with transparency in mind.

Royston Simon

Mortgage Agent

Royston is one of Cognitive Capital’s fastest growing mortgage agents!

Samantha Simmons

Mortgage Agent

Samantha is the definition of a superwoman!

Audrey Xu

Senior Underwriter

Audrey has over a decade of experience in mortgage underwriting.

Marley Burgess

Fulfillment Manager

Marley is incredibly diligent with a superior eye for detail and the ability to provide exceptional customer service.

Jake Farrugia

Account Manager

Jake thrives in a dynamic environment and is in charge of keeping in touch with our valued clients and network to ensure that their mortgage needs are always met.

Dominique Hanchard-Hart

Fulfillment Specialist

Dominique is very client-centric with a keen eye for detail and ensures all of our clients’ mortgages close smoothly by organizing major players within the transaction like realtors, lawyers, and appraisers.

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