About Rick

Rick Cogswell is a Branch Manager with Land Home Financial Services and a mortgage professional with more than 30 years of lending experience. He helps homebuyers, homeowners, real estate professionals, and investors navigate both traditional and complex financing scenarios. Rick has extensive expertise in FHA, VA, USDA, Conventional, and Down Payment Assistance programs, as well as Non-QM, DSCR investor financing, bank statement programs, commercial lending, bridge loans, and other specialized financing solutions. Known for finding solutions to challenging scenarios, Rick works closely with borrowers and real estate partners to structure financing strategies that help move deals toward closing. His focus is simple: provide exceptional service, clear communication, and financing solutions that help clients achieve their real estate goals.