RJ Bennett - Home Loan Officer NMLS# 1587912

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RJ Bennett - Home Loan Officer NMLS# 1587912 RJ Bennett - Branch Manager / Mortgage Loan Officer
Canopy Mortgage, LLC


Specializing in FHA, USDA, VA, Conventional, purchases and refinances.

Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. I have the knowledge you need to explore the many financing options available. Having lived in the Pacific Northwest for over 30 years, I know the ins and outs that make this magnificent part of the world so unique. Growing up in Southwest Washington, I have had the privilege to call Whatcom County home since 2008. This has given me a well rounded perspective of our beautiful state that extends the I-5 corridor. With over 15 years experience in the business/customer service world, my clients are my number one priority. I hold high the values of family and community which are often forged within the walls of a home. It is an honor to be invited into that process as we journey together in the pursuit of home ownership. My goal is to give both real estate agents and home buyers the kind of service that exceeds expectations. Canopy Mortgage's lending approach complements the relationship between agents and buyers, making the home buying experience great for both parties. You may contact me anytime by phone, text, email or facebook message. I look forward to working with you. RJ Bennett, NMLS # 1587912
Branch Phone (360) 746-2440
Branch NMLS # 2103069
Canopy Mortgage
Corporate NMLS # 1359687
http://www.nmlsconsumeraccess.org/
All loans subject to credit and property approval
Licensed to work in WA, CA, ID

Equal Housing Lender

Visit Canopy's Facebook at https://www.facebook.com/canopymortgage/
State Licenses https://canopymortgage.com/state-licenses/
Privacy Policy https://canopymortgage.com/privacy-policy/
Terms of Use https://canopymortgage.com/terms-of-use/

09/24/2026

Waiting can cost you.

If you’re holding out for a price crash or lower rates, run the full payment math. A lower price can still mean a higher payment if rates rise. Lower rates can also bring more buyers into the market.

Wait until the timing works for you and your family. Then make the call using your numbers, not a headline.

Want to run the math on your own plan? Send me a message.

Most people think waiting for the 'perfect' rate is the winning move, but the reality is that the cost of waiting usuall...
06/05/2026

Most people think waiting for the 'perfect' rate is the winning move, but the reality is that the cost of waiting usually crushes the savings of a tiny dip. Here’s your June 5 market outlook.

Weekly Rate Watch
30-Year Fixed: 6.65%
15-Year Fixed: 5.97%
5/1 ARM: 5.81%

Notes from RJ: There’s a lot of noise in the headlines. If you're closing in the next 30 days, locking in now is the strategic move to shield yourself from volatility. Don’t gamble with your monthly payment.

Market Factors
We saw a 0.09% uptick this week. Rising 10-Year Treasury yields and oil prices are keeping the bond market on edge as inflation expectations shift.

What I’m Watching
The PCE Price Index. It’s the Fed’s preferred inflation gauge, and any surprise to the upside will likely push rates higher through the first half of June.

What’s Ahead
Next week will signal the trajectory for the summer market. Want to see how these shifts affect your specific buying power here in Washington?

DM me "NUMBERS" and let’s run a custom scenario for you.

Everyone is obsessed with where rates will be next month.Meanwhile, they’re ignoring the biggest advantage Washington bu...
06/03/2026

Everyone is obsessed with where rates will be next month.

Meanwhile, they’re ignoring the biggest advantage Washington buyers have seen in a decade.

Inventory is at a ten-year high.

For years, the "strategy" was just surviving the bidding war. Now? We’ve entered the Strategic-Buy Era.

Most people think high inventory means a slow market. The reality is that it’s your greatest tool for leverage. You aren't just one of twenty offers anymore. You’re the one in the driver's seat.

This is your chance to:
- Negotiate price and repairs without getting laughed at.
- Secure seller concessions to buy down your rate.
- Actually find a "10-year fit" instead of settling for "whatever is left."

Don't wait for the rates to drop and the crowds to return. When the herd moves, the leverage disappears.

Want to see how the math looks on a strategic PNW purchase right now? Send me a message and let's run the numbers.

The headlines say there’s no inventory.The math says otherwise.Washington inventory is up 28.4% year-over-year. In Snoho...
06/03/2026

The headlines say there’s no inventory.

The math says otherwise.

Washington inventory is up 28.4% year-over-year. In Snohomish, it’s up a massive 58%. We are seeing the highest April/May inventory levels in 15 years.

Most buyers are waiting for rates to drop. The smart ones are looking at the houses sitting on the market right now.

This isn’t the "bidding war" era of 2021. This is the "Strategic-Buy" era.

More inventory = More leverage.

Instead of fighting 15 other offers, you’re in the driver's seat to negotiate:
- Lower purchase prices
- Seller-paid closing costs
- Permanent or temporary rate buydowns

Don’t wait for the crowd to return and the bidding wars to start again. Use this window to secure a deal that won't be possible once everyone else jumps back in.

Ready to see what your leverage looks like? Let’s run the numbers and see what's possible for you in this market.

Most people think the biggest hurdle to buying your first home is the down payment.The reality? It’s the noise.Between t...
06/01/2026

Most people think the biggest hurdle to buying your first home is the down payment.

The reality? It’s the noise.

Between the conflicting headlines and the jargon-heavy bank talk, most first-time buyers in Washington feel like they’re flying blind.

We just helped Tana navigate that noise to land her very first home. From our first strategy call to the final closing, we treated her journey like a mission, not a transaction.

The PNW market moves too fast for "standard" service. You need a team that listens to your specific needs and maps out a roadmap that actually works for your budget.

Tana didn't just get a loan; she got a strategy that gave her the confidence to win in a competitive market.

Huge congrats on the new home, Tana!

Ready to stop guessing and start strategizing?

Comment MATH below or DM me, and let’s run your numbers.

Most people think buying your first home is just a series of forms and signatures.The reality? It’s a high-stakes strate...
06/01/2026

Most people think buying your first home is just a series of forms and signatures.

The reality? It’s a high-stakes strategy game.

When Tana started her journey, she didn't just need a loan. She needed a roadmap.

In the Washington market, you can’t afford to wing it. That’s why we lean heavily into strategy calls before we ever look at a house. We talk numbers, market shifts, and how to actually win in a competitive environment.

Tana mentioned the "extraordinary support" she received was what gave her the confidence to cross the finish line. That’s the goal: turning the stress of being a first-time buyer into a calculated win.

If you're tired of the generic mortgage experience and want a team that actually advocates for your bottom line, let’s chat.

Congratulations on your new home, Tana!

Stability in the face of volatility.Don’t let the headlines distract you from the technical 'silver lining': narrowing s...
05/29/2026

Stability in the face of volatility.

Don’t let the headlines distract you from the technical 'silver lining': narrowing spreads are keeping home loans from following the full bond spike.

Weekly Rate Watch
- 30-Year Fixed: 6.61%
- 15-Year Fixed: 6.12%
- 30-Year FHA: 6.17%
(Source: Mortgage News Daily)

Notes from RJ
We’re navigating a 'Tale of Two Markets.' While global news causes daily swings in yields, the compression in spreads is providing a much-needed buffer for buyers.

Market Factors
PNW inventory is holding steady at decade-highs. This is the 'strategic-buy' era: where you have more leverage and more options than we’ve seen in years.

What I’m Watching
The gap between yields and home loans. As long as spreads hold, buyers have a predictable range to work within, regardless of short-term volatility.

What’s Ahead
Summer momentum. With more homes on the market in Washington, the real leverage isn't just the rate: it's your ability to negotiate on the right property.

Thinking about a 15-year strategy or curious how to use high inventory to your advantage? DM me to run the numbers.

Stability in the face of volatility.Don’t let the 'Iran Premium' in the bond market distract you from the real story: re...
05/29/2026

Stability in the face of volatility.

Don’t let the 'Iran Premium' in the bond market distract you from the real story: record inventory and narrowing spreads.

Weekly Rate Watch
- 30-Year Fixed: 6.67%
- 15-Year Fixed: 6.22%
- 5/1 ARM: 6.33%
(Source: Mortgage News Daily)

Notes from RJ
We’re navigating a 'Tale of Two Markets.' While global news causes daily swings in yields, the technical 'silver lining': narrowing spreads: is keeping home loans from following the full bond spike.

Market Factors
We are seeing a unique moment where PNW inventory is at a decade-high while rates are finding a technical floor. The 'panic-buy' era is officially over; we've entered the 'strategic-buy' era.

What I’m Watching
The gap between yields and home loans. As long as spreads hold or compress, buyers have a predictable range to work within, regardless of headline volatility.

What’s Ahead
The summer push. With supply surging in Washington, the real leverage isn't just the rate: it's the ability to negotiate on a home that fits your 10-year plan.

Thinking about a 15-year strategy or looking to use high inventory as leverage? DM me to run the numbers.

Most people see rising inventory as a sign to wait.The reality? This is the best opportunity we’ve seen in Washington in...
05/27/2026

Most people see rising inventory as a sign to wait.

The reality? This is the best opportunity we’ve seen in Washington in 15 years.

We’ve officially moved from the "inventory desert" of the last few years into a "selection market." April and May levels are hitting highs we haven't seen in over a decade.

Here’s what that actually means for you:
You have leverage.

For years, buyers were lucky just to get an inspection. Now? We’re seeing our clients negotiate for:
- Significant repair items
- Substantial seller credits
- Closing costs covered

A larger selection doesn't just mean more houses to look at: it means more room to breathe and a better chance to win on your terms.

Don't let the headlines scare you into staying on the sidelines while the leverage is in your favor.

Want to see how much of a credit we can negotiate for your next move?

Run the numbers with us at rjbennettmortgage.com or send a direct message.

Most first-time buyers feel like they’re walking into a storm without an umbrella.The headlines say one thing, the math ...
05/25/2026

Most first-time buyers feel like they’re walking into a storm without an umbrella.

The headlines say one thing, the math says another, and your gut is just telling you to worry.

Rochelle felt that weight. Lots of questions, a bit of nerves, and a whole lot of uncertainty about the Washington market.

Our job isn't just to "get a loan." It’s to be the filter.

We sat down, ran the numbers, and cleared the fog. By the time we hit the closing table, those nerves had turned into total confidence.

Welcome home, Rochelle.

Buying your first home shouldn't feel like a gamble. It should feel like a win.

Ready to see what your numbers actually look like? Send us a DM or visit our site to run the numbers.

Address

5703A Third Avenue
Ferndale, WA
98248

Opening Hours

Monday 7am - 7pm
Tuesday 7am - 7pm
Wednesday 7am - 7pm
Thursday 7am - 7pm
Friday 7am - 7pm
Saturday 10am - 4pm
Sunday 12pm - 4pm

Telephone

+13607393454

Website

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