Our Team
Meet the FLO Mortgage team
Local people in Flagler Beach who answer the phone. Call our main line at (386) 882-9980 and we’ll connect you with the right person.
Joy McCoy Flores
Broker Owner • Loan Officer
NMLS #1096400
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Robert Flores
Business Development Manager
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Cindy Evans
Operations
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Pablo Jose Llavona
Branch Manager
NMLS #194920
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Anthony M. Jones
Sr. Loan Officer
NMLS #1590231
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Austin James Basque
Sr. Loan Officer
NMLS #1507152
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Ella Radistovna Chageyeva
Sr. Loan Officer
NMLS #364831
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Slava Chageyev
Loan Officer
NMLS #2114253
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Sandy Inosencio
Sr. Loan Officer
NMLS #330312
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Melissa Burgos
Loan Officer
NMLS #2105676
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Jose Raul Aponte-Rivera
Sr. Loan Officer
NMLS #922411
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Bob J. Roussel
Sr. Loan Officer
NMLS #856245
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Migdalia Soto Maldonado
Loan Officer
NMLS #328280
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Garrett Paul Decker
Loan Officer
NMLS #2567934
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Rich Cottingham
Sr. Loan Officer
NMLS #1964454
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Keith C. Evans
Sr. Loan Officer
NMLS #152380
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Nicholas Harrison Barrett
Loan Officer
NMLS #2760894
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Jhon Montano
Sr. Loan Officer
NMLS #907300
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Wendy Barbosa
Sr. Loan Officer
NMLS #1083340
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Maria Gabriela Perez
Mortgage Loan Originator
NMLS #1904193
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Rosa Rivera
Loan Officer
NMLS #2753893
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Alfonso Javier Betancourt
Loan Officer
NMLS #2523306
View profile →Licensed loan officers are shown with their NMLS number. FLO Mortgage, Company NMLS #1835856.
Client reviews
★★★★★ What FLO Mortgage clients say
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Daniel ShapkinTrustindex verifies that the original source of the review is Google.
I had a great experience working with Rich. He was professional, responsive, and great to work with throughout the entire process. What really stood out to me was that Rich is a true problem solver. If anything ever comes up during a transaction, he’s quick to jump in, find a solution, and do whatever it takes to keep things moving forward. I really appreciate his communication, professionalism, and willingness to get the job done. I’d definitely work with Rich again and highly recommend him!Posted on Google![]()
MichaelTrustindex verifies that the original source of the review is Google.
Anthony help we buy a great house in the Flagler Beach area. Was able to get a great rate. Very educational and answered all my questions. Would highly recommend. Will be using Anthony again.Posted on Google![]()
Skyler CiolinoTrustindex verifies that the original source of the review is Google.
Awesome lenders!! Have done multiple deals with Anthony!! Proactive and responsive!Posted on Google![]()
Mike GinnTrustindex verifies that the original source of the review is Google.
Anthony and his team were very helpful getting us approved for a home when other companies couldn't. We would still be in a rental if it wasn't for Flo Mortgage Thank you!!!Posted on Google![]()
Geoffrey GrauTrustindex verifies that the original source of the review is Google.
Sandy, has been the absolute best!! I dont think we would be anywhere with out her! Great source for all your mortgage needs! Ill be using her again any time needed! Thanks again! A+++Posted on Google![]()
Kat CruzTrustindex verifies that the original source of the review is Google.
⭐⭐⭐⭐⭐ ⭐⭐⭐⭐⭐ ⭐⭐⭐⭐➕ If I could give Anthony Jones and the entire FLO Mortgage team more than 5 stars, I absolutely would. My family and I had almost lost hope after working with multiple lenders and hearing “no” over and over again. We were discouraged and started believing that homeownership just wasn’t meant to happen for us. Then Anthony and his team took over our loan, and everything changed. What other lenders couldn’t accomplish in months, Anthony and the FLO Mortgage team accomplished in just 12 days. That still amazes me. Their knowledge, communication, dedication, and ability to solve problems turned what felt impossible into reality. From day one, Anthony was honest, responsive, incredibly patient, and always willing to answer my many questions. Brenda and the rest of the team were equally amazing, keeping everything moving and making sure I understood each step of the process. Buying a home can be overwhelming, but they always made me feel informed, supported, and confident. What impressed me most was that they never treated us like just another loan file. They treated us like a family with a dream worth fighting for. Every time an obstacle came up, they found a solution instead of giving up. Because of Anthony, Brenda, and the entire FLO Mortgage team, my family is now proud homeowners. Receiving the keys to our very first home is a moment we’ll cherish forever, and we know it would not have been possible without their hard work, teamwork, and determination. If you’re looking for a mortgage team that truly cares, communicates exceptionally well, and works relentlessly on your behalf, I wholeheartedly recommend Anthony Jones and FLO Mortgage. They didn’t just help us buy a house. They helped make a lifelong dream come true. Thank you, Anthony, Brenda, and the entire FLO Mortgage team. May God continue to bless each of you as you help more families achieve the dream of homeownership. We will never forget what you did for our family. 🏡🔑❤️Posted on Google![]()
Olga VsevolodovaTrustindex verifies that the original source of the review is Google.
Excellent support throughout the preparation, the selection of the house, and the transaction itself. Many thanks, Ella ChageyevaPosted on Google![]()
Lisvan MontelierTrustindex verifies that the original source of the review is Google.
Lo mejor de lo mejor gracias
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