Superior Real Estate Services for Buyers & Sellers
in Santa Rosa, Escambia & Okaloosa Counties

What’s Your Home Worth?

Request a Free Market Analysis of the estimated value of your home in today's market within your demographic area. learn more

Protect Your Investment

We've got you covered! Be prepared for the unexpected. Ask us about Home Warranties that are available for both Home Buyers & Sellers!

Military Relocating?

We’ve assisted our military men & women to relocate to the Santa Rosa, Escambia, & Oskaloosa Counties for decades. Let us help you!

Get Pre-Approved

Getting pre-approved for a mortgage loan let’s you know how much a lender is willing to loan you for your home or property purchase. It also empowers you as a buyer by showing sellers you’re serious and ready to buy and they in turn will take any offer or negotiation from you seriously.

Most sellers will not accept any offers or negotiations from buyers who have not been pre-approved.

So if your serious and are ready to buy a home or property, get pre-approved before you even start your search!

Below is a list of mortgage and loan services that we work closely with and can assist you in getting pre-approved. Need help choosing the mortgage and loan service that is right for you?…Let us help! Give us a call and speak to one of our highly qualified agents to discuss your needs in detail.

Residential Lending

United Bank

Bryan Chandler
V P Mortgage Loan Originator
Tel: 251-965-5315 | Cell: 251-979-2521

Navy Federal Credit Union

Jill Youngblood
Tel: 877-573-2324 ext: 79269 | Cell: 850-382-4257
eMail: Jill_Youngblood@NavyFederal.Org

Harvester’s Federal Credit Union

Nancy Connelly
Tel: 850-995-5102

Fairway Mortgage

Benita Glenn
Tel: 850-232-5578

CornerStone Mortgage Solutions, LLC

David Dickson
Tel: 850-221-9174

Flagstar Mortgage

Carole Dukote
Tel: 904-838-3696

Fairway Mortgage

Deb Herrel
Tel: 850-982-4922

Pen Air Federal Credit Union

Shaun Schiewe
Tel: 850-505-3200 ext. 8364

Regions Bank

Daria Allen
Tel: 850-444-1166 | Cell: 850-206-7422

Land Loans

Harvester’s Federal Credit Union

Diana Blanchard
Tel: 850-255-3215

Synovis Mortgage

Shellie Isakson
Tel: 850-232-3224

Gulf Winds Credit Union

Cristy Nash
Tel: 850-479-9601 ext. 473

Commercial Lenders

United Bank

Jerry Burden
Tel: 850-858-1200

Centennial Mortgage

Sean Magerkorth
Tel: 850-936-1984

What Our Client’s Say…

  • robin20118

    We recently put our home up for sale that we had owned for almost 30 years. Cindy helped us through the process and we had multiple offers within 2 w... see more

  • rdsteen911

    Cindy is a great agent that is respectful and very honest. I had a unique situation but Cindy made it a very easy process. Once she put the house on... see more

  • Dawn

    Cindy did a great job in helping me to sell my home quickly and smoothly.
    I would use her and Cotton Reality again.
    The buyers looked at my house a mo...
    see more

  • revkev18

    My wife and I found Cindy to be friendly, caring, fair, and highly competent. She helped us look for a house on three separate occasions, and never on... see more

  • hopesfuture

    I have had several dealings with Cindy Cotton at Cotton real estate. She has always been pleasant, knowledgeable and up front about everything. I neve... see more

  • lynnmariewest5

    Had fairly tight know...wanted a mansion for the price of a shack. Cindy was very patient... even gave up part of her Labor day holiday ... see more

  • Brian

    I've been fortunate to sell two houses with Cindy. Each experience was very pleasant. She is always very knowledgeable and honest on what you should e... see more

  • fladad7

    I have had the pleasure of using Cindy's services for purchasing property in Milton. From beginning to closing, Cindy made sure the transaction went s... see more

  • butchspaulding

    I have been in investment properties for over 30yrs and worked with many agents. Cindy is the best agent I have ever worked with. You could not find a... see more

  • user07348139

    I couldn't be happier. They listed and sold my house in Pace, FL. Everything went unexpectedly smooth and painless. I only want to deal with this comp... see more

  • deevilgurl98

    Cindy Cotton is a very upbeat, happy and professional woman! She knows exactly what she is doing and how to get the dream house for any client. She pe... see more

  • strummin4christ

    Cindy assisted me with a move from a neighboring city and I couldn't have been more happy with her down-to-earth professionalism. She brought a wealth... see more

  • zuser20160820035729780

    Showed us many houses. She did a great job. Always answered her phone! Got our home closed in just a few weeks. Organized inspections and closing.... see more

  • yuplenu

    Cindy Cotton was the realtor for my first home in FL. I purchased and/or sold 5 additional properties through the years and have always felt Ms Cindy... see more

  • peonies4

    Cindy Cotton helped me with the sale of two houses in the area. I cannot say enough good things about Cindy. She is very knowledgeable about the are... see more

  • ms

    I am a home owner and I chose Cindy Cotton of Cotton Real Estate to list and sell my home. Cindy and I met beforehand so that she could see the house... see more

  • dbailey268

    Very good I have never worked with a better realtor Even tho I was out of state I could always contact her and she was always able to help me she help... see more

  • artlenfinger

    On market 2 years with other realtor, Cotton sold house in 2 months in a bad market. Very professional and courteous. I recommend highly for Pensacola... see more

  • mshinesrn

    Cindy was very patient with assisting us in finding our dream home! She was very prompt in her responses. Explained everything in detail to us. She... see more

  • chrisbaxterfl

    Cindy took great care of us. She asked questions we would not have thought to ask and made sure the property we purchased was the perfect fit for us. ... see more

What's Your Home Worth?

Let us provide you a Free Market Analysis of the estimated value of your home in today's market in your demographic area. learn more

Get Pre-Approved

Show sellers you are serious & ready to buy! Getting pre-approved increases your negotiating power with sellers. learn more

Listing Email Alerts

Be the 1st to know - receive new listing information & listing updates customized specifically to your needs. learn how

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