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Boca Raton Branch

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…


“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


“My wife and I went through a painful process with 3 to 4 different lenders. I was referred out to Richard Cogswell by a friend who had another great experience not only was it a great experience the communication the timelines and expectations were all met and exceeded!!!! We couldn’t be happier thank you Rick. Your a life saver!”

— Buyer, Pompano Beach


“Excellent communications and professional with extensive home mortgage knowledge. Mr. Cogswell was able to work through all issues and always answered my calls and was there to help us with all the loan processes.”

— Phillip Cardell


“Mr. Cogswell and his team could not have been more helpful and professional. It’s good to know that someone was looking out for us throughout the entire home mortgage process. There were no surprises because he was ready for everything. Highly recommend.”

— Instigator South


“Hands down the most caring and detailed mortgage company I’ve encountered. If the approval can be accomplished, Richard Cogswell of Land Home Financial can do it!”

— Christopher Adams