The Cole Team

The Cole Team

Phone: 904.512.1410


The Cole Team is a group of experienced mortgage professionals dedicated to providing the highest level of personalized customer service for both repeat and first-time homebuyers. They deliver on their promises and act with integrity while making their customers their top priority. The Cole Team’s referral associates and customers enjoy their team atmosphere because there is always someone available to help!

Kim Cole

Kim Cole, Sales Manager

NMLS# 177738

Office: 904.512.0363
Cell: 904.505.3886


Kim Cole has been in the mortgage industry since 1994. She graduated from the University of North Florida and spent many years working in the mortgage business before coming to Fairway. She lives in Orange Park with her husband Brian and their two children. She is involved in her kids’ sports and school activities and is very proud of their accomplishments. Kim loves to go to the beach and spend time with her family.

Kim works with customers to identify the best loan product to meet their individual needs. She partners with realtors and assists with structuring the contract to remain within their financial criteria. Kim enjoys attending closings to congratulate her happy homeowners.

Kelly Bowman-Cogdill

Kelly Bowman-Cogdill, Loan Officer

NMLS# 177737

phone: 904.512.0364


Kelly Bowman-Cogdill has lived in the Jacksonville area for over 40 years. She graduated from Jacksonville University with a degree in Marine science. She has been in the mortgage business for over 20 years. She is married with two sons who keep her busy with basketball and marching band events. She is also a talented jewelry artist and avid sports fan.

Kelly generates the loan application disclosure packages for our customers. Kelly also works closely with our processors, underwriters, and closers throughout the loan process to ensure smooth and on-time closings.

Kayla Tyer

Kayla Tyer, Loan Officer

NMLS# 473563

Office: 904.512.1405
Cell: 904.208.8993


Kayla Tyer attended the University of North Florida and studied Business Finance. She has been in the finance industry for 13 years. She started her career in 2006 working for a Top 5 National Bank as a Private Banker. After 9 years she became a Branch Manager of a small community bank until she found her way into the mortgage industry in 2016. She is married to an Army Special Forces soldier, and together they have 3 beautiful children together – 2 girls and 1 boy. She supports her children in their extracurricular activities and enjoys watching them play basketball, run track, and play piano. She is a marathon runner and participates annually in National running events. She also enjoys fishing and skiing. She is a HUGE Florida Gator football fan and also big Jacksonville Jaguars fan. She volunteers with the local Family Readiness Group and enjoys assisting families whose loved ones are deployed and are in need of support/family resources.

Kayla understands that a thorough and proper qualification is instrumental to a successful closing. She works jointly with her realtor partners to aid her customers in realizing their dream of homeownership. Kayla takes great delight in attending her closings and seeing her customers receive their keys.

Kasey Tuoti

Kasey Tuoti, Loan Officer Assistant

NMLS# 1509547

Office: 904.512.1403


Kasey Tuoti is a Western NY native. She graduated From Nazareth College in Rochester, NY with a degree in Graphic Design. After years in advertising Kasey made her way into billing and inventory management. Once she re-located to FL in 2016 she found her new home in the mortgage industry. She is married with 2 beautiful daughters and she is a Buffalo Bills fan!

Kasey is our team Assistant and works directly with customers to gather the documents needed to complete their application. She remains involved throughout the transaction acting as a liaison between the customer and processing, seeing the loan through to a successful close.