Your Mortgage Partner


I started in this industry in 2001 with a commitment to support and guide my clients through the financial steps of purchasing or refinancing a home. My company, Cottingham Mortgage Inc., specializes in residential mortgages, and is dedicated to community and personalized service—a true advocate for my clients in today’s world of complex financing. Ongoing research and training, an understanding of changing industry guidelines, additional national and state licensing, and a vast knowledge of industry resources, enable my company to offer unequaled step-by-step guidance and exceptionally competitive pricing - servicing all of the San Francisco Bay Area and California.

It is important that you feel confident as you make choices about the options in financing your home...your investment. Less paperwork and a hands-on commitment mean you enter a frustration-free zone from application to final approval. My goal is to give you the personal attention you deserve and treat you with the respect due a valued customer.

I am passionate about my work, and the result is that the base of my business is by referral from satisfied clients and the most experienced Realtors throughout the San Francisco Bay Area and all of California.

You may only think about financing your home a few times in your life - I think about it every day. It's your home and life's my profession and passion.

I am committed to always working in your best interest.

Kimberly Cottingham
CA DRE Broker #01311704 | NMLS #233739