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Get Cash Back When You Buy or Sell Your Home

Full-Service Real Estate, Financing & Trusted Guidance — Helping You Save More at Closing

Your Partner in Success

At Coldstone Real Estate Services, we make your real estate journey simple, smooth, and stress-free. Whether you’re buying, selling, or managing a property, we provide care, transparency, and expert guidance every step of the way. You’re not just working with a company—you’re partnering with people who truly want to help you achieve your goals. Schedule a free 15-minute consultation & get
response within 24 hours.

No sales pressure • Expert insight within 24 hours

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Serving clients in Central New Jersey and surrounding areas

OUR SERVICES - 
With Cash Back Opportunities Available

Amounts vary by transaction

Full-service real estate company in Freehold NJ

We don’t push listings. We find the right property through direct MLS and off-market opportunities.

Loan & Financing Assistance

Smart Financing

We help you secure the right loan by preparing documents and connecting you with trusted lenders—making financing clear, simple, and aligned with your goals.

Property Buying Assistance

Buy Confidently

We guide you through every step of the investment property process—finding the right properties, arranging viewings, negotiating offers, and handling documentation—making buying stress-free while maximizing your potential returns.

Property Selling Services

Sell Smarter

We strategically price, market, and negotiate your property to attract serious buyers and secure the highest possible value—smoothly and transparently from listing to closing.

Commercial Financing 

Maximize Your Investment

We provide tailored financing and full-service property management—handling tenant screening, rent collection, maintenance, and inspections—so your property runs smoothly and delivers maximum returns with peace of mind.

Browse Available Homes

Start your home search using trusted platforms below — when you find a property you love, let Coldstone guide you through financing and negotiation.

Found a Home You Love? Let’s Win It!

Before making an offer, be sure you're pre-qualified with NEXA Mortgage so our team can help you secure the strongest possible terms.

Listings are provided by third-party websites. Coldstone Real Estate Services is not affiliated with these platforms but represents buyers to secure the best possible outcomes

How Our Cash Back Program Works

We don’t inflate prices or use misleading discounts.
At Coldstone Real Estate Services, we provide professional services at fair market rates—then share a portion of our commission with you after a successful transaction.

Work Meeting

Work With Trusted Professionals

You work with authorized Coldstone professionals at standard rates.

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Complete Your Transaction

Your transaction closes successfully with full professional support.

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Receive Your Cash Back Credit

A portion of our commission is credited to you at closing, subject to eligibility and applicable regulations.

This isn’t a discount. It’s our way of investing in long-term relationships built on trust and transparency.

Cash back amounts vary by transaction and are credited at closing, subject to eligibility and applicable regulations.

Meet Our Founder — Frank Cotter

NMLS #: 217083
Frank Cotter brings unmatched hands-on experience to Coldstone Real Estate Services. His background includes mortgage lending at every level whether it's a home equity loan, a first or second mortgage, Project Financing for building and renovating residential and commercial properties.

Guiding clients through every stage of buying, selling, and financing. Frank’s practical approach, clear communication, and dedication to client success define the standard of service behind our company. 
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ACTUAL BUILD
In  Partnership  with  Your  Fixer  Upper  Construction — From Vision to Reality

John and Lisa Richardson

“Coldstone Real Estate Services exceeded our expectations with their professional approach and successful asset recovery strategies."

IN PARTNERSHIP WITH

Click a logo below to learn more about our trusted partners.

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Need help getting started? You may begin a secure loan application below.
Powered by MARQUEE REAL ESTATE

All loans subject to approval. Terms and conditions apply.

Mortgage Rate Outlook — February 2026

Mortgage rates are stabilizing near the 6% range. Discover what this means for today’s buyers and sellers — and how it could impact your next move.

Get in touch

Reason for Contact

SMS Consent – Service Messages

SMS Consent – Marketing Messages

​​​

Frank Cotter
NMLS #: 217083
732 616 5009
Frankcotter3@gmail.com


 

NEXA Mortgage LLC. 
5559 S Sossaman Rd
Bldg #1 Ste #101 Mesa,
AZ 85212 #1660690 

NMLS Consumer Access



NEXA Mortgage LLC. | Branch NMLS #1995861
591 Mantua Blvd
Sewell, NJ 08080



Coldstone Real Estate Services
40 Broad St Freehold NJ. 07728
Real Estate License #  
Marquee License #2299085
YFU HIC #13VH10270800



Need A Hand? Visit Us! 
Your Fixer Upper

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