Loan Officer • Flagler Beach, FL

Rich Cottingham

Sr. Loan Officer, FLO MortgageNMLS #1964454

★★★★★ FLO Mortgage is rated 5.0 on Google by 160+ clients

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Phone(386) 882-9980
Emailrich@flomortgage.com
Office
212 Moody Blvd
Flagler Beach, FL 32136

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For illustration only. Not a loan offer or commitment to lend. Mortgage insurance, VA funding fee and USDA fees are estimates based on published program schedules and can change; your actual figures depend on credit, property and lender approval. Company NMLS #1835856.

About Rich

Raised in Rochester, NY, I pursued my passion for education at Florida State University, earning a Bachelor’s degree in Mathematics Education. After graduation, I settled in Palm Coast, where I dedicated over 13 years to teaching mathematics at Matanzas High School. In 2020, I transitioned into the mortgage industry, bringing the same commitment to clarity, precision, and guidance that defined my teaching career. Today, I am proud to serve clients through FLO Mortgage.

Beyond my professional life, I find my greatest joy with my wife, Kristy, and our two daughters, Avery (12) and Riley (7). Whether enjoying the sun and sand at Flagler Beach or creating family memories on weekend getaways to Orlando, we embrace the lifestyle and opportunities our community provides.

I recognize that financing a home is one of life’s most significant financial milestones. My mission is to transform what can feel like an overwhelming process into an experience marked by confidence and ease. By combining a strong analytical background with a natural gift for teaching, I not only curate the best loan options for each client but also ensure that every step is transparent and understood. From the first conversation to the closing table, I am committed to delivering a seamless, stress-free experience with a level of service that is both refined and personal.

Loan programs

VA Home Loans
FHA Loans
USDA Loans
Conventional Loans
First-Time Buyers
Refinance & Cash-Out
Investment & DSCR
HELOC

How it works

Talk with RichA quick, no-pressure call about your goals and budget.
Apply onlineA secure application you can finish in about 15 minutes.
Get your optionsClear numbers side by side so you can choose with confidence.
Close on timeRegular updates from approval to the closing table.

Client reviews

★★★★★ What FLO Mortgage clients say

    
 
 
       Posted on Google  
   
   Daniel Shapkin 
 
 
 
 Trustindex 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  
   
   Michael 
 
 
 
 Trustindex 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 Ciolino 
 
 
 
 Trustindex 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 Ginn 
 
 
 
 Trustindex 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 Grau 
 
 
 
 Trustindex 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 Cruz 
 
 
 
 Trustindex 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 Vsevolodova 
 
 
 
 Trustindex 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 Chageyeva
  
 
      Posted on Google  
   
   Lisvan Montelier 
 
 
 
 Trustindex verifies that the original source of the review is Google. Lo mejor de lo mejor gracias

Loan programs

Compare your options with Rich

Not sure which loan fits? Read up on the programs Rich works with every day, or see them side by side.

Compare loan programs Conventional loans FHA loans VA loans

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