Okay, let’s tackle this. So Cody has skills in mortgage lending, FHA, loans, USDA, VA Loans, mortgage banking, finance, and residential mortgages. He’s based in Tyler, Texas. Mortgage professionals with these skills, especially in Texas, can charge competitive rates. Considering the mortgage industry average in Texas, I’ll estimate around $75 per hour, which is on the lower end but still reflects his local expertise and skillset.