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About me

Cotton Lowe is a Mortgage Loan Officer and has been in the mortgage industry for five years now; helping people like you obtain their goal of sustainable homeownership. Cotton understands that mortgages and lending can be unfamiliar territory for many. Over the years Cotton has had the opportunity of working with people who have a wide variety of situations and has helped them achieve their financing goals. Whether you are a first-time homebuyer refinancing or buying your third investment property Cotton will guide you through the loan process seamlessly by providing quality communication and advice. Cotton can provide a wide range of home loan options that make the most sense for your situation. What are the benefits of working with a Guild Mortgage Loan Officer? The thing that makes Guild so great to work with is that we are a direct lender. This means each branch and regional office is equipped to complete the entire loan process locally. Cotton will be in control of your loan file throughout the entire process. This system allows for continuous communication and has given us a proven track record of closing loans quickly and efficiently.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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Testimonials

Testimonials
4.99 out of 5.0 stars
4.98
5.0
Jeffrey
Jun 11, 2024
Aiken, South Carolina
Verified

Great professional work relationship! Cotton has helped me finding a loan that fits to my financing needs at reasonable good interest rate. She has stayed on top of my loan processing from start to finish line as well as get answers to questions I had late in evening at one or two different occasions.
Eric
Jun 11, 2024
Harlem, Georgia
Verified

We feel like Cotton was very easy to work with, had a high level of knowledge , and kept of us informed. She was able to answer any questions we had, as well as, answered questions we didn’t think to ask.
MICHELLE
Jun 11, 2024
Harlem, Georgia
Verified

Cotton was wonderful to deal with. She is very knowledgeable and responds to questions in a timely manner. Would recommend her to anyone
Kristopher
May 23, 2024
Augusta, Georgia
Verified

Cotton was awesome every step of the way! Ran multiple loan scenarios on several different houses and always got back to me quickly. She explained the loan process in a way that was easy to understand and made the process much less stressful. Highly recommend her!
Brittany H
Feb 21, 2024
Evans, GA
Verified

Cotton is extraordinarily talented in what she does! She goes above and beyond to ensure a great experience, and makes the home buying process a smooth one!
Logan B
Dec 19, 2023
Monroe, GA
Verified

Cotton was Great

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Awards

Causes I'm
passionate about

member of Guild Giving
NMLS ID #2129434
I am authorized to do business in the states of Florida, Georgia and South Carolina.