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I am a Producing Licensed Branched Manager serving clients and business partners In Florida with their Residential mortgage financing Needs for 25+ Years. My team and I provide excellent service to my clients and business partners, my extensive experience eliminates delays and identifies potential issues that might otherwise affect the closing of your Mortgage Financing Transaction. Communications is critical for both my clients and business partners thru the entire lending process with my Team we will provide excellent results.

We provide an extensive variety of competitive loan programs to meet all your needs. Every client has different needs, concerns and Challenges we provide the knowledge and experiences to match your needs with the best loan programs available.

Social Survey Land Home Financial Reviews Part of our story lies within the hearts of those benefitting from our dedication to their lives, from the day they decide to start looking for a home to the moment they take the keys to their new place! Life is a journey and goes by fast – it’s meant to be enjoyed and lived to the fullest every moment of breath.

Verified 5-Star Google Review RatingsAllow us to be part of your story – hear from others below that have experienced the difference in a true Direct Community Lender. We look forward to hearing your story…


social survey Matt Pfieffer“Richard is very professional and cares greatly about his clients and their goals. My goal was to achieve home ownership with home loans and he went above and beyond to give me great service. It was an awesome experience and I’m sure will collaborate again!”

— Jari


social survey Matt Pfieffer“Rick made everything possible for my home mortgage. It took a while to process the application but it was worth the wait. Rick is informative and he sticks with you all throughout the process. Thank you so much for the amazing effort. It’s a pleasure doing business with you.”

— Clarence


social survey Matt Pfieffer“Richard and his team made the impossible possible for me and my wife. I’m a veteran and will recommend his team to any veteran I come across needing his service. Thanks again Rick for all your hard work.”

— Charles


social survey Matt Pfieffer“Rick and his staff kept me informed at all times on the status of our home loan and is now helping me through my insurance because we found a lower rate. Very pleasant to work with and we recommend him to millions of people.”

— Joseph


social survey Matt Pfieffer“I am a first time home buyer, but feel as if i have done this many times over due to all the excellent advise and information offered to me during this process. They made me feel like family and always assured me they had my back. They deserve the highest praise. I will definitely be referring my family and friends to Land Home Financial and their amaaazing team; they are the greatest.”

— Tyra


5-Star Google My Business Rating” I am a first time home buyer but feel as if I am a pro now due to all the excellent advice and information offered to me during this process. They made me feel like family and always assured me they had my back. They deserve the highest praise. I will definitely be referring my family and friends to Land Home Financial. They are the greatest!”

— Elizabeth Lafond


“Rick Cogswell and his whole team were on top of everything, our home mortgage closed in ten days. My realtor said it would not happen and she was so surprised. Rick also went over all my closing statements and advised me of things that I didn’t know. If you are looking to refinance or buy a house or anything else don’t hesitate to use Rick Cogswell.

— Joe Cerquozzi


“I worked with Richard in a deal in January, he was true mortgage professional and extremely knowledgeable. We explain the process in detail and walked the buyer step by step. Thank you for making this deal close on time.”

— Homebuyer - Coral Springs, FL


“Richard is extremely knowledgeable in what he does and is very professional as well as pleasant to deal with. In the future I will have him do all my home mortgages. He is very trustworthy.”

— Fazul - Westlake, FL


“Richard Cogswell let my dream come true by assisting with my loan process to purchased my first home. I had tried two previous loan companies but wasn’t successful in the process. Richard worked extra hard to ensure I would get my loan. He is the person you can call any time of the day and he will answer. If you are looking for a good loan officer, Richard is the best from start to finish he is there. Thanks again Richard for helping me to be a homeowner.”

— Happy Buyer - Hollywood, FL