Unlock Your Dream Property
with the Perfect Mortgage
Residential & Commercial Mortgage
Find the best rates and personalized mortgage options tailored to your needs, making ownership easier and more affordable than ever.
Unlock Your Dream Property
Unlock Your Dream Property with the Perfect Mortgage
Residential & Commercial Mortgage
Find the best rates and personalized mortgage options tailored to your needs, making ownership easier and more affordable than ever.
Lending Options
Call me to save on purchase or refinance.
Helping you build wealth and finance, properties & businesses, even with little
to no money down and less than perfect credit.
Residential
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.
Commercial
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.
Business Financing
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.
Build and Protect Your Financial Future
Expert Wealth Planning Services
Living Benefits. Income Generating. Quality Process.
✔ Life Insurance
✔ Annuities
✔ Estate Planning
✔ 401k Rollovers
Build and Protect Your Financial Future
Expert Wealth Planning Services
Living Benefits. Income Generating. Quality Process.
✔ Life Insurance
✔ Annuities
✔ Estate Planning
✔ 401k Rollovers
Mortgage Calculator
Advanced Realtor Masterminds:
Empower Your Real Estate Career with Expert Knowledge Designed for the Next Generation of Top Agents
✔ Gain a deeper understanding of the home buying process to better guide your clients and close deals with confidence.
✔ Learn practical strategies and insights that will help you stand out as a knowledgeable real estate agent in today’s competitive market.
✔ Enhance your expertise in mortgage products, financing options, and industry trends to become a trusted resource for your clients and grow your business.
Advanced Realtor Masterminds:
Empower Your Real Estate Career with Expert Knowledge Designed for the Next Generation of Top Agents
✔ Gain a deeper understanding of the home buying process to better guide your clients and close deals with confidence.
✔ Learn practical strategies and insights that will help you stand out as a knowledgeable real estate agent in today’s competitive market.
✔ Enhance your expertise in mortgage products, financing options, and industry trends to become a trusted resource for your clients and grow your business.
Learn More
About Ryan & the Team
Interactive Homebuyer Seminars
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.
What You Will Learn:
✔ What does investing in real estate look like?
✔ Is now that right time to buy?
✔ Historical trends of real estate vs other investment avenues.
✔ The benefits of investing in real estate.
✔ Different types of real estate investments.
✔ Loan programs that can help.
Interactive Homebuyer Seminars
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.
What You Will Learn:
✔ What does investing in real estate look like?
✔ Is now that right time to buy?
✔ Historical trends of real estate vs other investment avenues.
✔ The benefits of investing in real estate.
✔ Different types of real estate investments.
✔ Loan programs that can help.
Frequently Asked Questions
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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I have the perfect office space for someone who’s maybe ready to legitimize their small business or upgrade out of their home office.
1 to 5 dedicated rooms with potential for up to 8 desks.
Willing to accommodate just one person or a small group.
DM for more info📲 ... 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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Big condo news just dropped and half of it is going to save deals… the other half might kill them.
And nobody is talking about the part that’s about to hurt.
First this is big: EFFECTIVE IMMEDIATELY = Good
•Conventional loans (Fannie and Freddie) no longer need full replacement cost insurance on roofs
•Actual cash value is now acceptable
That alone is going to save a LOT of condo deals.
And it gets better: EFFECTIVE IMMEDIATELY = Good
•They’re also loosening the owner-occupancy rules on investment loans
•50% of units must be owner occupied or second home on investment loans doing a full review which would be less than 25% down
That opens the door for more buyers immediately.
But here’s where it turns: EFFECTIVE AUG 3RD, 2026 = Bad
•Limited reviews? Gone
•That means EVERY condo deal now needs full docs - budget, bylaws, everything
Limited reviews save tons of deals.
And if that wasn’t enough: EFFECTIVE JAN 4TH, 2027 = Bad
•Reserve requirements are jumping from 10 to 15%.
There are going to be lenders who completely miss these updates, and deals will fall apart because of it.
Net-net? This is still a win, but only if you know how to navigate it.
If you’re buying, selling, or lending on condos… you need to be ahead of this.
I’ll keep you in front of what others find out too late. ... See MoreSee Less
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Mortgage Rates Spike to 2026 Highs📈
This is the highest level since December 8th, 2025, though it should be noted that prior to September 2025, rates had been much higher, on average, for roughly an entire year.
Mortgage rates continued to climb through the end of the week, marking a difficult period for borrowers.
Over the three days ending Friday, the daily mortgage rate index rose from 6.09% on Tuesday to 6.41%, reaching its highest level since September 4, 2025.
While the increase was not the most rapid on record, it represents the sharpest three-day rise since early April 2025.
The movement reflects broader trends in the bond market, which largely determines mortgage rate direction.
Bonds, along with several other asset classes, have reacted negatively to developments surrounding the Iran war.
Although bonds are often viewed as a safe haven during periods of geopolitical uncertainty, conflict that affects inflation expectations can reverse that dynamic, pushing yields higher and, in turn, driving mortgage rates upward.
And also check out the household income needed to afford the financed purchase of a typically valued home. ... See MoreSee Less
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