Waterstone Mortgage - Eric Cotter

Todd Gilpin is committed to making the home financing process smooth, transparent, and enjoyable. With access to a wide range of loan products, including no-down-payment options, he tailors solutions to fit each client’s unique needs. Known for responsive communication and expert guidance, Todd everages cutting-edge technology to streamline the loan process. From application to closing, he prioritizes care, efficiency, and a stress-free experience. Home is where the best part of life happens, and you want it to be perfect. So, when you find it – the perfect home – Todd will help you find the perfect mortgage.

McGwire Holbrook is committed to helping individuals and families achieve homeownership with clear communication, availability, and efficient service. A graduate of Florida State and former collegiate baseball player, he brings dedication and teamwork to every transaction. Serving clients across Florida and beyond, McGwire specializes in finding the right loan solutions for each homebuyer. As the youngest loan officer in Waterstone Mortgage history to close a loan, he takes pride in delivering results. Outside of work, he plays professional baseball, golfs, and supports local charities. Connect with McGwire today to start your journey!

With over 18 years of experience, Karen Johnson is a trusted mortgage expert and lifelong Central Florida resident. She has built a referral-based business by providing exceptional service to homebuyers, real estate agents, and builders. Karen stays up-to-date on industry changes to help clients make informed financial decisions using FHA, VA, USDA, and Conventional loans. Known for her quick, accurate communication, she ensures a smooth loan process from start to finish. Whether buying a home or refinancing, Karen is committed to finding the best mortgage solution for your long-term goals.