Hello! My name is Tod Cotman. I’m a native of the Mississippi gulf coast, graduating from Gulfport High School. I served honorably in the U.S. Air Force before earning a Bachelor of Science from the University of Southern Illinois. Upon returning to the Gulf Coast in 1997, I began my career in the financial services industry.

With more than 25 years of experience, I understand the challenges today’s homebuyers face. My values and commitment to serving clients set me apart. I’m not just helping you secure a loan. I’m focused on giving you the best experience and guidance throughout this important decision. That means listening to your goals, explaining your options and guiding you through each step so you feel confident in your decisions.

No matter if you’re buying, refinancing or renovating, you can count on America’s #1 Retail Mortgage Lender to give you a smooth, supportive mortgage experience.