Cox is monopolized theft. When you call them for a credit they will instead double the charge and say it was done by mistake, then when you try to get that credited their system will keep declining it.
Here we go again.
http://www.zerohedge.com/news/2015-12-05/bankrupt-mortgage-lenders-unveil-zero-money-down-friends-and-family-mortgage
But not in Irvine. Irvine is all cash. ;D