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Cogent Bank

Learn more about Residential Lending

Our Residential Lending team’s goal is to save you time and money, while simplifying the process along the way.

  • Competitive rates for home purchase or refinance
  • Available for primary residence, second homes, vacation homes, or investment properties 
  • A wide range of financing programs available:
    • Fixed Rate Mortgages
    • Adjustable Rate Mortgages (ARMs)
    • Conventional Mortgages
    • FHA & VA Mortgages
    • Construction to Permanent Mortgages
    • Jumbo Mortgages
    • Investment Property Mortgages
    • Debt Consolidation Mortgages
    • Renovation Mortgages
    • Portfolio Loans
  • Budget-friendly repayment terms, unique to your situation
  • Helpful loan advisors with working knowledge of the local real estate market
  • Free pre-qualifications to ensure you can secure the financing you need
  • Refinance your current home to potentially lower your rate
  • Detailed, attentive service from start to finish

Meet our Residential Lending Team

Cogent Bank NMLS ID# 402296
To access NMLS registrants directly please visit this website: (

Felipe Ferreira, Director of Residential Lending
Mobile: 407-765-6076

Rick Figoli, Residential Mortgage Lender
Mobile: 407-592-1752

Jackie Mitchell, Residential Mortgage Lender
Mobile: 407-709-1418