• Kingdom-minded, locally owned independent Mortgage Advisors specializing in helping you secure wealth by using smarter boutique ways to purchase or refinance homes, businesses and other assets.
• Informed borrowers make sure they are Platinum Preapproved with us before beginning the process of searching for a property.
• Kingdom-minded, locally owned independent Mortgage Advisors specializing in helping you secure wealth by using smarter boutique ways to purchase or refinance homes, businesses and other assets.
• Informed borrowers make sure they are Platinum Preapproved with us before beginning the process of searching for a property.
Helping you finance properties and businesses, even with little to no money down and less than perfect credit.
The Ryan Cox Team guides you through every step of the home loan process—offering competitive rates, personalized options, and expert advice to help you secure your dream home smoothly.
Whether expanding or investing, the Ryan Cox Team provides tailored commercial mortgage solutions with flexible terms and fast approvals to help your business grow and thrive.
From startups to scaling operations, the Ryan Cox Team offers customized business financing options—lines of credit, term loans, and more—to fuel your success and keep your cash flow strong.
Living Benefits. Income Generating. Quality Process.
Living Benefits. Income Generating. Quality Process.
Whether you are a first-time buyer or seasoned homeowner, this class is tailored to help everyone.
From learning the essentials of purchasing your first home to strategies in expanding your real estate portfolio. We’ve got you covered. Attend Our FREE Class.
Whether you are a first-time buyer or seasoned homeowner, this class is tailored to help everyone.
From learning the essentials of purchasing your first home to strategies in expanding your real estate portfolio. We’ve got you covered. Attend Our FREE Class.
A mortgage broker works with multiple lenders and offers a variety of mortgage products from different institutions. A bank loan officer works for a specific bank and can only offer the bank’s own mortgage products.
Mortgage brokers often have access to multiple lenders and can shop around for the best rates. They may also have the ability to negotiate lower rates on your behalf, which can result in more favorable terms than what a single bank may offer.
Yes, mortgage brokers often work with lenders who specialize in helping individuals with less-than-perfect credit. They have more options than a typical bank, which may have stricter credit requirements.
By securing a lower interest rate or better mortgage terms, a mortgage broker can help reduce the total cost of your mortgage over its lifetime. They may also help you avoid costly penalties or fees associated with certain mortgage products.
Why Is No One Talking About This🤷
Look at the same week in August, five years running.
30yr fixed, first week of August...
2026: 6.75%
2025: 6.63%
2024: 6.73%
2023: 6.90%
2022: 4.99%
Four straight years in the high 6's.
2023. 2024. 2025. 2026.
That's not a spike. That's not a blip. That's the market.
So if you're waiting on rates to come down, how long will you wait?
And what number are you waiting to see?
Here's what waiting actually costs...
Anyone who sat out since 2023 waiting for a better rate has now paid three more years of rent and missed three years of appreciation plus principal paydown.
The rate barely moved, but the equity did.
Meanwhile affordability quietly improved.
Affordability Index:
Today = 102.3
vs.
One year ago = 95.5
Anything above 100 means the median household can afford the median home.
Wages grew faster than prices. Buyers are coming back.
Glad to Platinum Preapprove™️ someone you care about that could use my help or a second opinion🏠🙌
Contact me to see what your unique scenario would look like👀
p.s. - Just a couple things we do really well…
💥Elite Purchase Program allows borrowers to get no increase (surcharge) on their interest rate for being jumbo or second home buyers.
💥Medical Professionals Program - Up to $2M, 100% financing, No PMI, Favorable student loan debt tolerance, Max 10% down. Dentists, Pharmacists, Veterinarians, CRNAs, Medical residents, Fellows or Interns with degrees are potentially eligible. ... See MoreSee Less
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More Buyers Are Saying Yes🏠
The biggest lie in real estate right now?
"Nobody is buying homes."
The data says otherwise.
Despite mortgage rates staying above 6%, more homes are going under contract than they were at this point in both 2024 and 2025.
Here's what's actually happening:
The buyers who were waiting for the "perfect" market have realized life doesn't wait for lower rates.
People are getting married. Growing their families. Taking new jobs. Relocating.
And they're buying because they need a home, not because the headlines finally gave them permission.
If you're a seller, this should change the way you think about today's market.
Yes, buyers have more choices than they did a few years ago, but serious buyers are still writing offers every single day.
The opportunity isn't gone. It's shifted.
The sellers who price strategically, prepare their home properly, and understand today's buyer are still winning.
Don't let headlines make decisions that the data doesn't support.
The best decisions are made with facts, not fear.
Follow for housing market insights backed by data, not headlines.
Glad to Platinum Preapprove™️ someone you care about that could use my help or a second opinion🏠🙌
Contact me to see what your unique scenario would look like👀
Just a couple things we do really well…
💥 Self Employed Borrowers - Bank statement loans and creative ways to document income without using tax returns.
💥 DSCR Investor Loans - No income docs, as long as the subject property fair market rental value appraises then the borrower just needs minimum 20% down and 620 credit score to potentially qualify without documenting income. ... See MoreSee Less
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Reasons Not To Stay Stuck🏠
Should you buy or rent?
Here's the truth...
We have never seen a wider wealth gap between renters and homeowners than we have right now.
And with no signs of that gap narrowing anytime soon, the answer is pretty clear.
What do you think?
And yes, people still sell their homes that have lower mortgage rates in exchange for buying a new home that has a higher interest rate.
This is why we still see nearly 5,000,000 total home sales each year over the past few years.
Glad to Platinum Preapprove™️ someone you care about that could use my help or a second opinion🏠🙌
Just a couple things we do really well…
💥 Seller concessions can be used for buying out PMI, closing costs or interest rate buydown.
💥 Contingency Buster bridge loans are for clients looking to buy before they sell. ... See MoreSee Less
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Home Prices Not Collapsing🏠
This is a lot of nested equity, making it very hard to have a housing price collapse when there is a lack of supply of foreclosure candidates compared to 2008.
In 2008, the total LTV data was around 85%, and now it's sitting at 45.1%.
Glad to Platinum Preapprove™️ someone you care about that could use my help or a second opinion🏠🙌
Contact me to see what your unique scenario would look like👀
Just a couple things we do really well…
💥 Veterans - entitlement calculations are critical to avoid getting caught up in VA underwriting, we make it a breeze.
💥 1st Time Homebuyers - we hand-hold clients through the process when necessary and provide Roadmaps to Qualification so that our answer is never “No” sometimes its just “Not right now, but let us show you the way.” ... See MoreSee Less
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