Foxx and Asssociates Mortgage is part of the Foxx "family" of companies, which include Foxx and Associates Real Estate , Foxx and Associates Mortgage, and our financial blog, The Foxx Report. (www.foxxrealestate.com www.foxxreport.com)
About Rick Foxx:
"I grew up in Detroit , Michigan, son of an accountant, who retired to San Diego at age 48 (NOT a misprint, my Dad not only raised 4 kids, but also managed take us to all 48 states in an RV, every summer,using his vacation and personal days off, then proceeded to retire comfortably in California. Smartest guy I ever met with his money!!)
My Father instilled a work-ethic in me that pushes me to not only work for money, but also to have money work for me. I co-owned 3 rental units while only a Sophmore in college, and pretty much knew that I wanted to be involved in Real Estate as a career.
After graduating from Wayne State University, in Detroit MI, and after a couple years as a sales rep and later sales manager for an industrial supply company, I literally sold off everything that wouldn't fit in my 1987 Grand Am, and headed west to California.
Which lasted about a year, because after a year of hanging out at the beach and generally not doing much in the way of work, I went back to Michigan, mostly because San Diego was beautiful but just too expensive for a young guy fresh out of college. And living in Ocean Beach CA , it was just to easy to blow off work and walk to the nearest beach bar. Fun, yes, productive, not so much lol:)
Within 2 years, I had gone from being a trainee loan officer, to a Mortgage Office Manager, then went on to form Advanced Funding. Advanced Funding quickly grew to 2 offices, and 34 employees.
There was only one problem - Califirnia had totally ruined me on Michigan winter weather(9 months of winter followed by 3 months of bad sleddding weather), so Florida became my next focus.
I got licensed to do mortgages in 1999, and in 2004 Advanced Funding was open in downtown Clearwater FL. By 2005 I had gotten licensed as a Lender/Servicer, and had begun building a portfolio of loans that we serviced in-house.(fun fact - I can see my old office in the Bank of America building, from the conference room of my new office at 601 Cleveland St. !)
In 2007, the mortgage market froze up, and out of pure neccesity(and because starving isn't much fun), I began getting signed up as a REO agent("real estate owned" , meaning foreclosed and owned by the banks). By 2009, I got my Real Estate Broker license, and for 11 years I both listed and sold homes for all the major banks, such as Bank of America, Chase, Suntrust, and Fannie Mae.
Mortgages took a while to recover, but in 2012 I got re-licensed to be a mortgage broker, and Foxx and Associates Mortgage was born!
After seeing the disaster that Subprime loans had caused, I committed myself to only doing mortgages that would "put in you in a better position than you were before", with a new focus on helping families get into good, sustainable, and affordable mortgages.
I concentrate a lot of our marketing towards VA loans, out of a personal need to give back, to those who have given so much for our great country.
But me and my Team are still very capable of doing conventional and really any mortgage that makes sense, and we close plenty of non-VA motgages.
The key words that guide my lending philosophy are "make sense", because NO ONE wins in a foreclosure -- its almost as bad for the Lender, as it is for the Family getting put out of their home. I saw this personally, watching evictions , and the pain in peoples eyes as they were lost their homes. So I really make an effort in insure that our mortgages are properly underwritten and customized to YOUR unique, individual needs. No two mortgages are exactly the same, and you deserve good , personal attention to detail, that I believe only a local community based company like Foxx and Associates can provide.
So now 23 years later, I think I can confidently say I "know what the hell I'm doing" in both Mortgages and Real Estate.
Feel free to call or email any questions to me personally, my contact information is below.
Thanks for taking the time to read this - now that you know about ME, feel free to call, and see what Foxx and Associates can do FOR YOU!
Rick Foxx, Broker
Foxx and Asociates Mortgage
(727)743-8048 direct cell
We've been helping customers afford the home of their dreams for many years and we love what we do.
Company NMLS: 1299512
601 Cleveland St, Suite 501
CLEARWATER, FL 33755
Phone: (727) 388-5235