Hello, my name is Ebe Cotton and I look forward to assisting you through your homebuying journey.
With more than 40 years of experience, I have become a vital resource for homeowners and Realtors alike. I see things that other industry professionals may overlook allowing me to help thousands of homeowners purchase and refiance homes. I am passionate about finding creative financing solutions for my clients. I am a FHA DE Underwriter, Certified Divorced Lending Professional, and a Military Lending Specialist.
Along with my years of experience in mortgage, I also have been a Licensed Real Estate Agent since 1981. My combined knowledge in both of these areas helps to ensure that my clients are informed and comfortable during every step of the process. I pride myself in making this process as easy and stress-free as possible.
I currently reside in The Sagamore Golf Community with my sweetheart. I enjoy spending time on the golf course, traveling, and chasing our 7 grandchildren. I look forward to working with you and meeting all of your mortgage financing needs.
Address:
1750 East Golf Road, Suite 240, Schaumburg, IL 60173
Licensed:
Purchase Calculator
Why Borrowers Choose SUCCESS® Lending
Who We Are
SUCCESS® Lending is a mortgage lender built around people, relationships, and clear communication. Our loan officers help homebuyers and homeowners understand their options, compare loan programs, and move through the mortgage process with confidence. Whether you are buying your first home, moving up, refinancing, investing, or using your home equity, we are here to help you make informed decisions.
Our Mission
Our mission is to make home financing feel more personal, transparent, and easier to understand. We take the time to learn about your goals, explain your options, and help you choose a loan strategy that fits your financial picture. From pre-approval to closing, your SUCCESS® Lending loan officer is focused on keeping you informed, prepared, and supported.
Our Promise
You deserve a mortgage experience that is clear, responsive, and centered on your goals. We promise to communicate throughout the process, answer your questions, and work with your real estate agent when applicable to help keep your loan moving forward. With SUCCESS® Lending, you have a loan officer who is committed to helping you take the next step with confidence.
Loan Programs to Fit
all Homeownership Dreams
Non-QM Loans
Alternative options. Flexible documentation.
Non-QM loans may provide alternative mortgage options for qualified borrowers who do not meet traditional loan requirements.
Down Payment Assistance
Help with upfront costs.
Down payment assistance programs may help eligible homebuyers reduce the upfront cash needed to purchase a home.
Refinance
Rework your mortgage. Reach new goals.
Refinancing may help homeowners adjust their mortgage, access home equity, lower payments, change terms, or move into a different loan program.
FHA Loans
Accessible financing. Flexible credit.
FHA loans can help make homeownership more accessible for first-time buyers and borrowers with limited down payment funds or credit challenges.
Conventional Loans
Popular option. Flexible terms.
Conventional loans offer flexibility and competitive terms for qualified homebuyers with stable income, solid credit, and funds available for a down payment.
VA Loan
Powerful benefits. Built for service members.
VA loans are available to eligible Veterans, active-duty service members, and certain spouses, offering strong benefits for qualified borrowers.
USDA Loan
Rural financing. No down payment.
USDA loans are designed to help eligible low- to moderate-income buyers purchase homes in qualifying rural and suburban areas.