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Tod Cotman
Senior Loan Officer l USAF Veteran
NMLS# 658279Let’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
The rating and reviews below represent my top
reviews.
Read all customer reviews here.
4.55 out of 5.0 stars




Alexandrea
May 27, 2025
Vancleave, MS

Verified
Mr Tod and his entire team were so helpful and supportive throughout the entire process, I couldn't have asked for anything more!
Cindy
May 19, 2025
Gulfport, MS

Verified
Todd Cotman has guided me through the whole process in getting my new home. I am so pleased that he is my mortgage lender.
Erica
Apr 28, 2025
Gulfport, MS

Verified
Great communication.
David
Apr 28, 2025
Gulfport, MS

Verified
The whole process we went through was painless and easier than we thought it would be. Our loan officer walked us through each step and kept in contact the whole time.
Anthony
Jun 09, 2025
Gulfport, MS

Verified
It was great doing business with Tod if Elliot homes match what Tod did my experience woo have been excellent
Reba
May 05, 2025
Gulfport, MS

Verified
Great to work with—professional, responsive, and made the process easy from start to finish. Highly recommend!
NMLS ID #658279
I am authorized to do business in the states of Alabama, Louisiana and Mississippi. Licensed by the Mississippi Department of Banking and Consumer Finance;
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