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Kelli Cox, (NMLS ID 885370)

Kelli Cox

Sr Loan Advisor NMLS ID: 885370

22255 Center Ridge Road Suite 101

Rocky River, OH 44116

If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.

With over thirty years of dedicated service in residential and commercial lending, I've established myself as a seasoned leader at Flagstar Bank. My career has taken me from intern to senior leadership positions, giving me a broad expertise across the industry.
Throughout my professional journey, my focus has always been on ensuring client satisfaction by delivering customized lending solutions that precisely meet their needs. Whether I'm assisting first-time homebuyers or seasoned investors, I excel in guiding clients through financial intricacies with professionalism and reliability.
My deep understanding of market dynamics and regulatory nuances, enables me to provide strategic advice and facilitate seamless transactions. I'm valued for my ethical approach and genuine commitment to helping clients achieve their financial objectives.
If you're seeking expert lending guidance across all U.S. states, I invite you to connect with me—a seasoned professional with extensive experience and knowledge. Together, we can navigate your financial goals with confidence and clarity.
 

Mortgage Specialization

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • Construction Loans
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Low-to-Moderate Income Lending Program
  • Pre-Qualifications
  • Professional Loans
  • Renovation Loans
  • Second Homes
  • VA Government Loans

Find the loan product that's right for you.

Are you looking to purchase a new property or refinance an existing one?

Today's Rate
Mortgage Rate APR
30-Year Fixed 6.994% 7.148% 1
15-Year Fixed 6.040% 6.283% 2
FHA 30-Year Fixed 5.463% 6.337% 3

1Rate 6.994% with an APR of 7.148% as of 12/9/2024 10:03 AM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount, and origination fee of $1,295 with 360 monthly payments in the amount of $1,596. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.

2Rate 6.040% with an APR of 6.283% as of 12/9/2024 10:03 AM EST. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $2,030. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.

3Rate 5.463% with an APR of 6.337% as of 12/9/2024 10:03 AM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 3.5% down payment, minimum borrower credit score of 740, estimated points of 1% of the loan amount, and origination fee of $1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $1,381. Payment amount does not include taxes and insurance, which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums, and other credit factors. Program terms available may vary based on the state and county in which the financed property is located. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, and lender terms and conditions. Terms, conditions, and rates are subject to change without notice.

Find the loan product that's right for you.
Spend a few moments to get a better idea of your bottom line. Are you looking to purchase a new property or refinance an existing one?

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Kelli Cox

Sr Loan Advisor NMLS ID: 885370

22255 Center Ridge Road Suite 101

Rocky River, OH 44116

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