The Bundy Team

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The Bundy Team Melanie Bundy, Senior Loan Officer
NMLS # 1479697
Kevin Bundy, Branch Manager
NMLS # 2137038

Melanie Bundy
NMLS #: 1479697
Phone: 704-840-5548
Canopy Mortgage LLC
NMLS #1359687
Equal Housing Lender

Kevin Bundy
NMLS #2137038
Phone: 803-590-9358
Canopy Mortgage LLC
NMLS #1359687
Equal Housing Lender

Terms of Use: https://canopymortgage.com/terms-of-use/
Privacy Policy: https://canopymortgage.com/privacy-policy/
State Licenses Page: https://canopymortgage.com/state-licenses/

Mission:
At Lake Wylie Mortgages, partnered with Canopy Mortgage, it's our responsibility to create a fun, safe environment where the team can live out our Core Values. We aim to make our team members and customers feel part of our family while providing the best customer service, speed and support by being kind, humble and giving 100% every day – it’s WHAT we do and it’s WHO we are. Canopy Mortgage LLC at a Glance:
- Mortgage lender
- Competitive rates and closing costs
- Experienced Mortgage Professionals
- Exceptional service throughout the entire home loan process and beyond

Terms of Use: https://canopymortgage.com/terms-of-use/

Are you getting ready to buy your first home?🏡Here are some ways you can prepare...1️⃣ Start saving for a down payment a...
10/14/2026

Are you getting ready to buy your first home?🏡

Here are some ways you can prepare...

1️⃣ Start saving for a down payment and closing costs

2️⃣ Strengthen credit

3️⃣ Start paying off debt

4️⃣ Avoid big purchases (car, boat, etc) before applying for a mortgage

5️⃣ Talk to a trusted & local Loan Officer to see how much you can afford and which loan program is right for you

P.S. Mortgage consultations are always FREE 😉

Message us today to get started 🩷

Have you heard about loan assumptions and wondered what they actually mean for you as a buyer?A loan assumption is when ...
10/07/2026

Have you heard about loan assumptions and wondered what they actually mean for you as a buyer?

A loan assumption is when you as a buyer take over the seller's existing mortgage. The interest rate stays the same. The loan balance stays the same. The remaining term stays the same. You are essentially stepping into the seller's mortgage as it currently exists.

09/30/2026

Your appraisal came in $10,000 low. Does that mean you have to bring an extra $10,000 to closing?

Not always. We do have to work through it but generally there are options...

Exciting news!! We just launched a new loan product in house for medical professionals.
09/29/2026

Exciting news!! We just launched a new loan product in house for medical professionals.

09/25/2026

What happens when you’re in the process of “buying” a home and the appraisal comes in low?

What are your options?

Will the deal completely fall apart?

All great questions…Let’s break it down together.

What happens if the appraisal comes in lower than the price you agreed to pay?Take a breath. It’s a problem to work thro...
09/23/2026

What happens if the appraisal comes in lower than the price you agreed to pay?

Take a breath. It’s a problem to work through, but it doesn’t automatically mean the purchase is over.

Let’s say the appraisal came in $10,000 lower than the appraised value. Here are a few paths we can explore:

1. Ask the seller to lower the price. They may agree to meet the appraised value.

2. Meet somewhere in the middle. The seller lowers the price, and you cover part of the gap.

3. Keep the agreed price. Depending on your loan, that may mean bringing more cash to closing. We’d calculate the actual amount before you decide.

There’s one more step I always want buyers to know about: review the appraisal itself. If it contains an error or overlooks relevant comparable sales, we can ask the appraiser about a reconsideration of value. That request needs supporting information, and a change isn’t guaranteed.

The right next step depends on the appraisal, your financing, and the terms of your contract. My job is to help you understand the numbers and talk through your options with your agent before you make a decision.

Have a question about an appraisal? Send it my way.

If you’ve been watching mortgage rates, I know the recent increase may feel discouraging. And if you’ve already been loo...
09/23/2026

If you’ve been watching mortgage rates, I know the recent increase may feel discouraging. And if you’ve already been looking at homes, your comfortable monthly payment may have changed.

Here’s what I’d do before putting your plans on hold: look at the full picture. In the Charlotte region, buyers have more homes to consider than they did a year ago. That may give you room to compare homes, ask questions, and explore whether a seller contribution could help with closing costs or a rate buydown.

A contribution won’t make every home affordable, and it isn’t guaranteed. But it’s worth running the numbers for your situation rather than deciding from a headline.

If you have a home in mind, send it to me. I’ll help you see what the payment and cash needed to close could look like, so you can decide whether it makes sense for you.

09/23/2026

What happens if I buy a home and its value drops after I purchase it?

If home values decline after you purchase your home may temporarily be worth less than what you paid. But that does not necessarily mean you have lost money unless you need to sell during that period. A decline in paper value is only a realized loss if you are forced to act on it.

If you purchase a home you can comfortably afford and plan to stay in for several years you are giving yourself time. Time to build equity through your monthly payments. Time for potential appreciation to work in your favor. And if interest rates improve in the future refinancing may be an option to lower your payment or improve your loan terms depending on your equity and qualifications at that time.

Reach out anytime if you want to talk through what that looks like for your specific situation.

09/16/2026

Have you heard that you need 20 percent down to buy a home? It is one of the most common misconceptions keeping buyers on the sidelines longer than they need to be.

Here is the truth. Putting 20 percent down may make sense for some buyers. But it is not required for everyone and it is not the only path to homeownership.

You may be closer to buying than you think.

Address

1414 Village Harbor Drive
Lake Wylie, SC
29710

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 7pm
Thursday 9am - 5pm
Friday 9am - 2pm

Telephone

+18035909358

Website

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