Loan Officer • Flagler Beach, FL
Rich Cottingham
Sr. Loan OfficerIndividual NMLS #1964454
★★★★★ FLO Mortgage is rated 5.0 on Google
Apply for a HELOCTap your home equity with a fast online application- Phone(386) 882-9980
- ContactMessage Rich
- Office212 Moody Blvd
Flagler Beach, FL 32136
★★★★★ What clients say on Google
Read all reviews ↓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.
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.
What clients and agents say about Rich
9 five-star Google reviews mention Rich Cottingham, licensed loan officer, individual NMLS #1964454.
“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.”
Daniel S. Sep 2026
“He communicates clearly, explains each step in a way that puts buyers at ease, and is always proactive about solving problems before they become obstacles.”
Danielle G., Realtor Jan 2026
“Rich Cottingham was great to work with on my refinance. The communication was top notch!”
Claudia S. Mar 2026
Show all 9 reviews
“From start to finish, Rich’s communication was outstanding, his knowledge of the mortgage process was impressive… He made what can be a stressful process feel easy and transparent every step of the way.”
Ernest A. Mar 2026
“We had to jump through a ton of hoops when purchasing our home due to myself being self employed… Rich was so kind, patient, and worked tirelessly to figure everything out for us!”
Tia L. Dec 2025
“Rich wrote my first mortgage 3 years ago. Now I used him to refinance. Thanks Rich!!”
Donald L. Mar 2026
“He’s knowledgeable, responsive, and always puts clients first. Transactions are smooth and well communicated.”
Tawnia F., Realtor, Palm Coast Dec 2025
“His approach to the mortgage industry is built on trust and clear communication—qualities that are essential for any homebuyer.”
Rachel C., Realtor Jan 2026
“The easiest, most efficient handling of a house sale I have ever experienced. Thank you Rich.”
Frankie Jan 2026
Excerpts from reviews posted on FLO Mortgage’s Google Business Profile. Each client’s experience is their own, and results vary. Read the full reviews on Google ↗
Loan programs
Compare your options with Rich
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