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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.
4.53 out of 5.0 stars




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.
Nancy
Mar 24, 2025
Biloxi, MS

Verified
Tod is great to work with and always has the best interest of the borrower in mind!
Reba
May 05, 2025
Gulfport, MS

Verified
Great to work with—professional, responsive, and made the process easy from start to finish. Highly recommend!
Gaberial
Mar 24, 2025
Biloxi, MS

Verified
The process was very smooth. The Loan officer answered any and all questions we had.
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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