The Rolstad Team

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The Rolstad Team 38+ years of combined experience specializing in residential home financing in WA, ID, AZ & IL. Equal Housing Opportunity.
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Blaine Rolstad
Mortgage Loan Originator - 171489
Canopy Mortgage LLC NMLS 2345678
www.nlmsconsumeraccess.org
360 Technology Ct Ste 200 Lindon UT 84042
509-869-4359
Equal Housing Lender
State License: https://canopymortgage.com/statelicenses/
Privacy Policy: Https://canopymortgage.com/privacy-policy/
Terms of Use: https://canopymortgage.com/terms-of-use/

10/16/2026

Here is something buyers would not mind hearing: one less fee or at least a smaller one.

There is talk of letting Fannie Mae and Freddie Mac use credit reports from two bureaus instead of three. That could help bring down the credit report cost at closing. We are still waiting on the details but anything that keeps more money in your pocket is worth watching.

And listen, I know buying a house right now can feel tough. You look at the payment and think there goes my grocery money. But before you count yourself out let’s take a look at the whole picture.

Could a seller credit help with closing costs? Would a price reduction or a rate buydown make more sense? Those are things we can put real numbers to.

Realtor friends bring us into the conversation early. Before your buyer falls in love with the kitchen let’s make sure they are comfortable with that payment and that it actually makes sense for their budget.

Send them our way. We will walk through the options, be honest with them, and find what actually works.

Blaine Rolstad, Rolstad Team at Canopy Mortgage. 509-869-4359.

10/13/2026

If you have been waiting to buy a house you might want to take another look at the cards you are holding.

Buyers finally have a little more leverage at the table. More sellers are reducing prices, more are willing to negotiate, and more are offering concessions to help with closing costs and rate buydowns. Add in more inventory and more choices and suddenly your hand is looking a whole lot better.

Here is the thing: you do not need a perfect market to make a great move. You just need to know how to play the hand you have got.

And right now buyers may be holding better cards than they realize. Because if we play your cards right you could have a full house of your own by the holidays.

If buying a home has been on your mind give us a call.

Blaine Rolstad, Rolstad Team at Canopy Mortgage. 509-869-4359.

10/06/2026

Good morning. Can we talk about something we do not talk about enough?

Getting excited about buying a home.

That new home smell. Getting the keys for the first time. Deciding where the couch goes. The first cup of coffee on your patio. The place where your family gathers, your friends show up, and your memories get made.

We spend so much time talking about the process, the rates, the reasons to wait. Sometimes we forget the best part: you get a home to live in.

It is time to get excited about buying a home again.

And when you are ready we would love to help you get there.

Blaine Rolstad, Rolstad Team at Canopy Mortgage. 509-869-4359.

10/02/2026

Did another lender say they could do your loan for cheaper? They probably can.

You can get cheaper tires, cheaper brakes, and you can definitely get a cheaper tattoo. But cheaper does not always mean you are getting the same thing.

Before you make a decision let us compare the numbers for you. We will look at the rate, the fees, the loan terms, and the actual cost to make sure you are really comparing apples to apples. And if their deal really is better we will tell you. We will be upfront and honest with you even if that means telling you the better deal is not ours.

But there is something the numbers cannot show you. What happens when something goes wrong? Who answers your call on a weekend, after hours, or on a holiday? Who picks up when you just found the house you love and need an answer right now? And after your loan closes who is still there six months or six years later?

We are.

When rates start coming down this is going to matter even more. You are going to get refinance offers in the mail, calls, texts, and emails. Some will look pretty official and may even have information about your current mortgage. Before you assume it came from us or that it is a great deal send it to us. We will look at it with you. No pressure.

Compare your options, ask questions, look at the numbers, and if you want a second set of eyes give us a call. We will tell you what we see even if the better deal is not ours. Because the lowest number does not always tell the whole story.

Blaine Rolstad, the Rolstad Team at Canopy Mortgage. 509-869-4359.

09/27/2026

Good morning and welcome to Coffee with Blaine.

After nearly 30 years in the mortgage business I have learned a lot about loans, guidelines, and changing markets. But some of the most important things I have learned have been about people.

Every borrower is different. Every person has their own story. No two financial situations, families, or reasons for buying a home are exactly the same. That is why I have never believed in treating people like a loan number or trying to fit everyone into the same box.

I have also learned that many people may not remember every detail of their loan or their interest rate. But they do remember how you treated them. They remember whether you answered the phone. Whether you told them the truth. Whether you stayed beside them when things got stressful.

Recently we worked with someone whose loan we ultimately could not do. It would have been easy to simply say no and move on. But that is not how we do things. We knew someone else who might be able to help so we connected the client with them. We did not get the loan. The client got taken care of. And that is the most important part.

Sometimes doing the right thing means helping someone even when you are not the one who benefits from it.

After all these years I still believe that answering the phone matters. Returning a call matters. Telling someone the truth even when it is not the answer they were hoping to hear matters.

What keeps me doing this after nearly 30 years is knowing that behind every loan is a real person making one of the biggest financial decisions of their life. I still enjoy helping people understand their options, solve problems, and get into the place that is right for them. Even if that path does not always lead back to us.

That is this week's Coffee with Blaine and that is a wrap on our September series.

Reach out anytime with questions. 509-869-4359.

Blaine Rolstad, The Rolstad Team at Canopy Mortgage.
Blaine Rolstad-Mortgage Lender

09/20/2026

Good morning and welcome to Coffee Talk with Blaine.

I am Blaine Rolstad with the Rolstad Team at Canopy Mortgage and today I want to talk about what actually makes a home loan difficult. Because it is usually not what borrowers think.

We hear things like my credit probably is not good enough. I do not think I can afford the payment. Rates are too high. I do not have enough saved. I recently changed jobs. I am self-employed so I probably will not qualify.

Those are all understandable concerns. But none of them automatically mean you cannot buy a home. They are simply pieces of your financial picture that help us figure out what options might work for you. Sometimes there is already a loan program that fits. Other times we need to give you a realistic plan to get you there.

Here is what actually makes a loan difficult.

When we do not know the full story. When something changes during the process and we do not find out about it right away.

Financing furniture for the new home. Buying a car. Changing or quitting a job. Opening a new credit card. Moving large amounts of money between accounts. Even getting married. Any of these can affect your loan.

That does not mean you cannot make those decisions. It just means you need to talk to your lender before you do. Not after.

We once had a borrower who bought a car the day before closing. He had to return it if he wanted to buy the house. That is not a fun conversation. And it was completely avoidable.

Most problems have a solution if we know about them soon enough. We are not here to judge you. We just need the full picture so we can protect your approval and keep your closing on track.

Please do not disqualify yourself before you have even had the conversation. You may be more ready than you think. And if you are not ready today we can tell you exactly what steps will get you there.

Reach out anytime. 509-869-4359.

Blaine Rolstad, The Rolstad Team at Canopy Mortgage.

We mustache you a question… did we have too much fun today? 🥸 Great time on the home tour this morning! 🏠🏡🏠
09/18/2026

We mustache you a question… did we have too much fun today? 🥸 Great time on the home tour this morning! 🏠🏡🏠

7 Years ago! Our team has had a lot of adventures!
09/18/2026

7 Years ago! Our team has had a lot of adventures!

A little rain didn’t stop us from getting out and connecting today! ☔️🌵We spent some time at the Real Producers event at...
09/17/2026

A little rain didn’t stop us from getting out and connecting today! ☔️🌵

We spent some time at the Real Producers event at Chicken N Pickle and got to catch up with some great local agents. Always nice to see familiar faces and make a few new connections along the way. 💙Blaine Rolstad-Mortgage LenderWhitney RolstadJessy Dueñas Joann Wheeler West Valley Real Producers

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360 Technology Court Ste 200
Lindon, UT
84042

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+15098694359

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