Central Indiana's Spookiest Spots: The Top 5 Most Haunted HomesCentral Indiana may be known for its friendly Hoosier hospitality and picturesque landscapes, but beneath the surface, it harbors a
eXp Realty in Metropolitan Indianapolis Lenders
About
Ebe Cotton is a dynamic State of Indiana Area Sales Manager offering his clients and Realtor partners tremendous energy and premier mortgage lending experience.
For over 4 decades, Mr. Cotton has been dedicated to helping thousands of satisfied clients acquire the best financing available and making home ownership a reality.
With his wide range of clients from first-time home buyers to the self-employed and multi-unit investors, Mr. Cotton connects with his clients and provides an especially strong mortgage lending knowledge base. His guidance and expertise allow his clients to make the most prudent financial decision. Once that decision is made, he works diligently to personally guide his clients through the loan process all the way through closing. This makes him a valuable Realtor Partner.
Mr. Cotton is an Indiana licensed mortgage loan originator who will work hard to make home ownership a reality for your clients.
Testimonials
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Andy was amazing. He went above and beyond, even did the walk through for us on Facebook as we were out of town and unable to attend. He discussed different strategies we could use to make our offer more desirable and in the end got the house for asking price, even though the seller had higher offers. If you're not using Andy, you're gonna spend too much.
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- Preston P
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We happened to meet Andy Ludlow by chance. He is an amazing Realtor, and we knew he was right for us immediately. He brought our family stability, patience, and professionalism that we did not know we needed. Always available when we needed, never missed a single text or call from us. Truly an amazing experience
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- Chandra McClure
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Amazing guy to work with. He is very understanding and very nice. He was willing to show me homes where i wanted to look and was willing to look further into other houses for us.
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- Travis Temple
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Andy is an amazing realtor! Very responsive, informative, and made sure that the whole process ran smoothly while accommodating my timeframe. Highly recommend him whether you’re buying or selling!
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- Dan Lowery
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Highly recommend! Very knowledgeable group of people. Extremely friendly! Will make sure if you are either selling or buying that the experience is very simple and easy!
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- Cameron Blakely
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Great customer services, Timely response, communication and closing very quick. I recommend Andy and Brittany Ludlow for all other Customers to hire as their real estate agent for buying and selling their property.
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- Jugander Kumar
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When I was ready to sell my three bedroom home and find something smaller, Andy was on top of it. He listened carefully for what I was looking for and was ready to show me some options almost immediately. He helped me find out what my home was worth and set a price for it. The house pretty much sold the first day and for more than asking price. The new home I selected was everything I was looking for and the location was perfect for me. Andy took care of everything, all I had to do was sign the papers and move. I highly recommend him!
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- Ed Nigma
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Andy helped us sell our first house and buy our dream home! We did not think it was possible to find a home we would love without sacrificing something but Andy made that possible for us. Andy and his team seemed to work around the clock for us, they were always available. Truly the best home buying process. I recommend Andy and his team to friends and family the second they start talking about buying
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- Elizabeth Dickinson
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I highly recommend Andy, and the Ludlow Group. They are an amazing team with a cutting edge brokerage company. He is quick to communicate, professional, and will go out of his way to help you with whatever your particular real estates needs are. I personally want to thank Andy for all the help he has provided me!
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- Toni Rodriguez
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Andy Ludlow took our calls & texts regardless of time of day. Never once felt pressured & even suggested we pass on a few properties when he noticed something out of place that we didn't. Andy listened carefully to our goals, guided us like a true friend & addressed any concerns we had... even suggesting a mortgage broker he was familiar with (which we ended up using due to unbeatable rates). A true professional & my family always felt like he had our best interest in hand regardless of the price of the property we were viewing. We closed on our first ever home with Andy over a year ago & he still routinely checks in with us from time to time. We'll never consider anyone other than the Ludlow Group for our real estate needs, and if you give him a call, you will be here after closing telling the world how fantastic he is too. I'd bet my house on it! 🏡
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- Charlie McClure
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Andy and Brittany are the best to work with! If your not working with them you wasting your time.
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- James Dodd
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Andy turned out be a tremendous salesperson and human been, twice when I bought that home and 4 years later when I sold this house he performed to the max and very professional, thanks to Andy and his family
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- Eduardo Romano
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Andy did a great job selling our home and helping us find another one. He listened to what we wanted/needed while selling our home and also while helping us find a new home. Overall this was a wonderful experience
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- Jody Rose
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Andy Ludlow is an impressive person. He didn’t quit on us finding the land specifications we placed before him. Once we got the land, we were willing to wait on selling our in town property. But … we got a call one day from Andy. He had been watching the market for us. So we decided to list our home for sale. It was sold within a week and a half. Then Andy went beyond this and helped us close a deal on a home that was right across the street from our newly acquired property. All in all our transactions were strictly cash. We financed nothing. It is ONLY with the grace of God that everything fell into place as neatly as it did. We recommend Andy highly. We thank God for His goodness and Andy for his property insights.
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- Cecil & Nancy Davies
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Andy was great we had a lot of work that need done before we could close and he got it all figured out. He was always around to help answer any questions or just talk things through
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- Jen W
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Andy is a top notch professional with the best interest of the buyer or seller in mind. I've worked with Andy to not only buy but also sell a property and he was there every step of the way. I would recommend him to any that is in the market for buying/selling.
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- Steve Lucas
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Andy Ludlow represented us as the buyers agent for an investment property we were interested in. He operated with the utmost integrity and we closed with ease. There were never communication gaps, never problems we couldn't overcome, and no complaints at all. I would trust him with any future deals we do!
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- Zach Fritz
About Andy Ludlow
As a seasoned real estate professional, I understand that buying or selling a home is more than just a transaction: it’s a life-changing experience. That’s why I am dedicated to providing exceptional, personalized service for all of my clients. That includes helping those members of my team grow and develop.
How I help agents grow
• I have built a very successful practice helping agents with marketing and coaching
• Mentoring agents into growth
• Understanding both national and international market conditions
• Establishing themselves within the community
I take great pride in the relationships I build and always work relentlessly on my team's behalf to help them achieve their real estate goals. I pledge to be in constant communication with my team, keeping them fully informed throughout the entire onboarding and growth process. I believe as an agent you can join any eXp team, and the reason you join mine is because I truly care about your growth and success. I don’t measure success through achievements or awards but through the satisfaction, growth, development and success of the agents on my team.
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MIBOR REALTOR® Association All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of the Multiple Listing Service. Real estate listings held by brokerage firms other than eXp Realty in Metropolitan Indianapolis may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. Copyright ©2026 All rights reserved.
Last Updated: September 15, 2026 10:23 PM UTC
