• 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.
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The Only Thing Constant Is Change🏠
Adjusting for housing market shifts looks different depending where you are.
And, of course, the market continues to shift right beneath our feet.
One of the recent key metrics is annual median home price growth at 1.8%, which is slower than recent years, while wages are rising about 3.5%
Wage growth outpacing the price of real estate is a good sign of gradual improvement in buyer affordability.
But the national mortgage payment / income ratio remains elevated at 38%, and that would need to get down to about 30% before housing feels affordable for the typical consumer.
So hopefully wage growth remains solid because home prices are still being supported by steady national demand as single family inventory for sale actually went negative year over year last month for the first time since 2023.
And this year over year visual of active housing inventory for sale is a good indicator of where the puck is going state by state... ... See MoreSee Less
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Restabilization Is A Good Thing🏠
The drop in oil prices back into the $68 per barrel range is helping to stabilize and slightly ease mortgage rates by reducing inflation fears.
However, because borrowing costs are primarily driven by the Federal Reserve's monetary policy rather than energy costs alone, 30-year fixed rates are expected to remain sticky in the mid-to-high 6% range.
The dynamic between crude oil and borrowing costs involves several factors...
Inflation Relief: Lower oil prices decrease business operating costs and consumer fuel expenses, directly easing headline inflation. Because mortgage rates closely track the 10-year Treasury yield, reduced inflation fears keep bond yields from spiking, preventing mortgage rates from climbing higher.
The "Stickiness" Factor: Despite oil returning to pre-conflict levels, mortgage rates have not plummeted proportionally. The Federal Reserve’s overall policy remains hawkish due to resilient labor data and core inflation. Because the Fed is hesitant to cut interest rates, the bond market is pricing in a longer plateau for borrowing costs.
Market Forecast: Analysts, including economists at Morgan Stanley, forecast average 30-year rates to hover between 6.00% and 6.75% for the foreseeable future, with a gradual potential to edge closer to 5.75% later in the year.
Glad to Platinum Preapprove™️ anyone you care about that could use my help or a second opinion with their purchase/refinance🏠🙌 ... See MoreSee Less
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Don't Look Now🏠
…But the housing market could be hitting the stride we've been waiting for.
Housing demand remained steadier than many expected in the first half of 2026 because improved mortgage spreads limited the rate shock brought on by the Iran conflict and spiking oil.
The focus for the second half of the year is whether demand stays positive as jobs data, inflation, and treasury yields drive mortgage interest rate direction.
Glad to Platinum Preapprove™️ anyone you care about that could use my help or a second opinion with their purchase/refinance🙌 ... See MoreSee Less
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First-Time Buyers Fall to Record Low🤷♂️
The share of first-time buyers entering the housing market dropped to just 21% last year, down 3 percentage points year over year and marking the lowest level since at least 1981, according to new data from the NAR.
By generation, the share of buyers who were first-time purchasers was:
• Younger Millennials: 60% (down from 71% last year)
• Older Millennials: 33% (down from 36%)
• Gen X: 21% (up from 20%)
• Younger Boomers: 8% (down from 9%)
• Older Boomers: 4% (unchanged)
• Silent Generation: 3% (down from 5%)
Older Millennials had the highest median household income of any generation at $132,700.
They also purchased the largest homes, with a median size of 2,100 sq-ft. ... See MoreSee Less
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Home Listings Sitting Unsold🥱
More than half of home listings are sitting unsold for 60+ days.
52% of February listings had been on the market for at least 60 days without going under contract.
This is the highest share since 2019, representing $347 billion in stale inventory, a record for this time of year.
The typical home that did sell spent 66 days on market, the slowest February pace in a decade.
The dynamic is simple: sellers are still listing at high prices hoping to negotiate down, but buyers are pulling back due to high rates, economic uncertainty, and the Iran war.
Home sales fell 3.1% year over year in February while supply continued to grow.
Florida metros are the worst off — Miami leads with 62.6% of listings stale, followed by San Antonio and Pittsburgh.
The Bay Area remains the tightest market, with San Jose at just 19.8%. ... See MoreSee Less
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Mortgage Rates Approaching 7% As Iran Conflict Escalates🎢
Rates hit 6.62% this week nationally.
Up from below 6% before the war.
Every headline out of the Middle East is moving the market.
Trump's latest update on the conflict didn't signal a quick resolution, pushing the 10-year yield higher again alongside oil prices.
Housing demand was having its best start in years before March.
Purchase apps were running at multi-year highs with positive year-over-year gains every week.
Last week apps dropped 5% week-over-week and YoY growth slowed from 12% to 5%. ... See MoreSee Less
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Tell Veterans Who Need To Know This🎖️
VA appraisal rules are changing May 1st.
Some of the biggest deal killers in VA homebuyer transactions in years past had nothing to do with the Veteran and nothing to do with the home.
Outdated checklist requirements made sellers nervous, frustrated agents, and costed time and money.
That changes next month.
Soon the VA is:
• Eliminating peeling paint repair requirements on homes built after 1978
• Dropping compliance rules for sheds and outbuildings
• Removing radon requirements for builders
• Doing away with oxygen depletion sensor and fireplace certification requirements
Less friction, more common sense.
VA loans are already one of the best financing tools ever created.
Zero down and competitive rates earned by people who served our country.
The benefit was never the problem, the process just needed to catch up.
Any past doubters should take a second look.
The process works when you work with the right people. ... See MoreSee Less
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