Ken Martello at Canopy Mortgage

01/05/2026

Is the housing market about to crash, correct, or surge as mortgage rates move lower? This guide breaks down what is actually happening with supply, demand, home prices, and buyer competition.

Learn why a 2008 style crash is unlikely, what a normal correction looks like, and how lower rates could reshape the market. If you are thinking about buying a home, this explains what to watch and how to prepare.

01/03/2026

Is the housing market about to crash, correct, or surge as mortgage rates move lower?

This guide breaks down what is actually happening with supply, demand, home prices, and buyer competition.

Learn why a 2008 style crash is unlikely, what a normal correction looks like, and how lower rates could reshape the market. If you are thinking about buying a home, this explains what to watch and how to prepare.


Register here to learn more! - https://webinar.yourhomebuyingmentor.com/home-webinar

01/02/2026

01/02/2026

Will You Make 2026 the Year?

2026 is shaping up to be a grind year. Not flashy, not easy, but potentially one of the most important years for homebuyers who take action early.
After 23 years in mortgages, I’ve seen how uncertain years often turn into the best buying opportunities in hindsight. In this post, we break down why the start of the year matters, how buying a home becomes a New Year goal, and what steps you should take now to prepare.

Learn why education and planning matter more than timing and how my No Pressure Home Buying Webinar can help you build a clear path forward.
https://webinar.yourhomebuyingmentor.com/home-webinar

12/31/2025

Why Buying a Home Is the Result, Not the Goal

Most adults don’t say, “My New Year goal is to buy a home.”
What they actually say is they want better finances, less stress, more stability, more space, and a better lifestyle.

Here’s the truth most people miss: buying a home isn’t the goal. It’s the result of getting a few key things aligned.

In this video and article, we explain how to reverse-engineer homeownership by starting with the numbers, building a clear plan, and understanding options most buyers never learn about.

No pressure. No sales talk. Just clarity.

If buying a home is on your goal list this year or next, the smartest first step isn’t house shopping. It’s having a plan.

Learn how to build one by attending our No-Pressure Home Buying Webinar linked below.
https://webinar.yourhomebuyingmentor.com/home-webinar

12/31/2025

𝗧𝗵𝗲 𝟰 𝗧𝗵𝗶𝗻𝗴𝘀 𝗖𝗵𝗮𝗻𝗴𝗶𝗻𝗴 𝗕𝘂𝘆𝗲𝗿 𝗣𝗼𝘄𝗲𝗿 𝗚𝗼𝗶𝗻𝗴 𝗜𝗻𝘁𝗼 𝟮𝟬𝟮𝟲

Most buyers think 2026 is all about waiting for lower interest rates.
That’s not what’s actually changing buyer behavior.

As we move toward 2026, the housing market is shifting in more important ways. Buyers are no longer rushing, negotiation power is quietly returning, monthly payments matter more than purchase price, and first-time buyers are becoming more educated and intentional.

This is turning into a strategy market, not a panic market.

In this video, I break down the top 4 real changes shaping buyers going into 2026 and why understanding the numbers matters more than timing the market perfectly.

If you want clarity instead of guesswork, check out our No-Pressure Home Buying Webinar linked below.
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12/24/2025

Most mortgage denials have nothing to do with affording the home. In this video, I break down the 7 most common mortgage problems that cause buyers to get denied and explain what actually fixes them.

You’ll learn why credit scores alone don’t tell the full story, how income is really calculated, what lenders look for in your bank accounts, and why online pre-approvals often fall apart later in the process. These are the same issues I see every week as a mortgage professional with over two decades of experience.

If you’re worried about getting approved, recently denied for a mortgage, or planning to buy a home soon, this video will help you understand how mortgage underwriting really works and how to avoid costly mistakes before you make an offer.

12/23/2025

We just passed my favorite day of the year, the Winter Solstice.
From here on out, every day gets a little longer. First by seconds, then minutes.

More daylight means one thing to me. More golf.

12/19/2025

Today’s inflation report came in cooler than expected, and the biggest reason was shelter. With headline inflation dropping from 3.0% to 2.7% and shelter inflation continuing to slow, bond markets reacted immediately and mortgage rates followed.

Shelter makes up nearly half of core inflation, so when housing costs cool, it reduces pressure on the Fed and supports lower mortgage rates over time. This is the type of data buyers and homeowners should be paying close attention to.

12/19/2025

This week delivered one of the most favorable data combinations mortgage markets have seen in months. Core inflation continued to cool, shelter inflation slowed meaningfully, and the jobs report confirmed the labor market is easing.

When inflation and employment data move in the same direction, pressure comes off the Fed, bond markets rally, and mortgage rates respond.

This update breaks down why this combination mattered and what it means going forward.

12/17/2025

When you combine the last two jobs reports, the labor market looks far weaker than the headlines suggest. With job losses in October and only modest gains this month, bond markets are reacting and mortgage rates are starting to ease.

Here’s what the combined data really means for buyers, homeowners, and anyone watching rates.