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Nicholas Francis Cotter

Sr Loan Officer

NMLS ID: 674948

I look forward to delivering great service and professionalism to you as I help you with your home lending needs.

Nicholas Francis Cotter

125 Half Mile Road

Red Bank, NJ 07701

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I have been in mortgage lending for over 30 years with over $1 billion in funded loans.


I can quickly summarize the best available options for your lending needs: an extremely quick response time to your call, 24-7. 

Professional Affiliations

  • NMLS # 674948

Mortgage Skills

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • Construction Loans
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Low-to-Moderate Income Lending Program
  • Pre-Qualifications
  • Professional Loans
  • Renovation Loans
  • Second Homes
  • VA Government Loans


  • Ramapo College-Finance

Community Involvement

  • Coach for 3 diffrent sports for over 15 Years. Community Volunteer for Stafford Township Rec Dept.
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?