Rich Cottingham

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.