Kenn Bartley

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Mortgage Originator since 1992! Experience Counts! I love helping people finance their homes and Welcome and thank you for visiting my Facebook business page!

My team is committed to helping you and your referrals with mortgage financing that fits your specific situation. Canopy Mortgage is a retail mortgage bank with over 30 lender relationships – not just one like a commercial bank – to help get you the right loan, at the right rate, with the right terms! Our mission is to deliver the ultimate home loan experience to every customer, every time! Thank you for the opportunity to help you with your mortgage needs. Kenn Bartley | Senior Loan Officer | NMLS 114626 | Canopy Mortgage, LLC | 360 Technology Court, Suite 200 Lindon, UT 84042 | 855-660-0003 | NMLS 1359687 | Consumer Access Link: www.nmlsconsumeraccess.org | Equal Housing Opportunity

10/29/2026

Licensed and ready for year No. 35 in the mortgage business!

10/27/2026

Some buyers are waiting for rates to come down — but that’s a plan built on hope and uncertainty.

NAR just reported September pending home sales fell 7.3% from August, and in some markets the drop is as high as 20% or more. That’s a tough headline, but for buyers who can comfortably afford the payment, less competition creates real opportunity.

Depending on the property and the seller, that could mean a lower price, help with closing costs, or seller credits toward a rate buydown — all while keeping important contingencies in place. And if lower rates eventually bring more buyers back into the market, negotiating gets harder and prices go higher.

My advice: make a strong case for the offer, ask for the credits, and make sure the payment works today. Talk to me and I’ll run the numbers side by side so you can see exactly what a price reduction or seller-paid buydown does to your payment and cash to close. Don’t try to predict the market — understand your options and recognize a good opportunity when it fits.

10/16/2026

Closing costs might be about to get cheaper and this is worth paying attention to.

FHFA Director Bill Pulte is expected to announce as soon as today that Fannie Mae and Freddie Mac will only require credit reports from two bureaus instead of three. Fewer reports means lower costs for buyers and it could take effect within one to three months. This is especially good news for first-time buyers and anyone with thin credit who has been sitting on the sidelines.

Now pair that with what else is happening in the market.

Rents just posted their biggest annual jump since April 2025, up 2.7 percent to $1,932 a month, while home values barely moved. That gap is widening in favor of buying.

Yes rates jumped this week. But that is making sellers more flexible on credits, buydowns, and pricing. Buyers are adapting too with adjustable-rate mortgages climbing to 8.1 percent of applications.

The market is shifting and prepared buyers are the ones winning right now.

Send your buyers my way early and I will run the payment scenarios that keep your deals alive.

10/09/2026

Sallye and I are headed to Eugene for the Ducks vs. Bruins game this weekend! Who else is in town Friday through Sunday! We have Friday reservations at Ambrosia downtown, and Sunday brunch/lunch at Marche, also downtown. Join us? Message me. We'll be tailgating pre and post game at Autzen Stadium - see you there! Let's Go Ducks!

10/08/2026

Does waiting for a lower mortgage rate actually make sense? Let's put today's rates in perspective.

Looking at Freddie Mac's average 30-year fixed rate around October 1st every year since 2000 tells an interesting story. Rates went from nearly 8 percent in 2000 down to below 3 percent in 2020 and back above 7 percent today in 2026.

Worth noting: the dip in the mid to late 2000s came from the Great Recession which was devastating for the country and especially for homeowners. The historic lows in 2020 and 2021 came from the COVID-19 pandemic when the government artificially injected capital into the economy. Both of those low-rate environments came attached to genuinely terrible circumstances.

So when you strip out the crisis-driven lows and look at the full picture the average of those October snapshots since 2000 is 5.22 percent. The average across every week from January 2000 through September 2026 is 5.24 percent. Almost identical.

That historical average is not a prediction or a promise that rates will return to those levels anytime soon. Low rates may not be coming back quickly.

The better question is whether the mortgage payment fits your budget and whether buying fits your plans right now.

With 35 years of experience in the mortgage market I have ideas that may make your plan work today. Let's compare your financing options and build something that actually works for you.

Kenn Bartley, Canopy Mortgage.

10/07/2026

What if waiting for lower mortgage rates actually costs you money?

Nobody knows when rates will drop. And while you are waiting the home you really want could sell. In fact the home you want today will likely cost more when you do finally buy whether from normal appreciation or from the buying frenzy that happens when rates eventually drop and every buyer comes back at once.

In some markets fewer competing buyers lowers demand and that gives you real room to negotiate on price, ask for seller concessions, or both. As my wife puts it: asking is not stealing.

Seller-paid rate buydowns can give you lower payments in year one and year two giving you time to adjust and hopefully position you to refinance when rates improve down the road. That comes with costs and is not guaranteed but it is a powerful tool available right now.

Start with this question: can I comfortably afford the total monthly payment today? If the answer is yes let's look at your options.

Then get pre-approved. Not prequalified. Fully underwriter-approved so you have mortgage-ready cash in the bank and can go out there and negotiate a great deal on your next home.

Let's go.

10/06/2026

Twenty percent of listings just cut their price. That is the highest we have seen in years and it changes everything for your buyers this fall.

Rates are back above 7 percent which scared off the casual shoppers and left your serious buyers with real negotiating power. Inventory is nearly back to pre-pandemic levels so buyers actually have choices again. Sellers are saying yes to concessions, buydowns, and closing cost help. And with contract cancellations at their highest since 2022 prepared backup buyers are winning homes right now.

Here is how your buyers win in this market.

A smart buydown strategy can turn today's payment into tomorrow's refinance win. Reframe the conversation around payment instead of rate. Reframe it around opportunity instead of fear.

The agents who win this season are the ones having that conversation right now while everyone else waits for perfect conditions that are not coming.

If you have buyers sitting on the sidelines send them my way. I will run the numbers that get them off the fence.

09/23/2026

Hi Kenn Bartley from Canopy Mortgage. The Federal Reserve raised their bank-to-bank overnight rate by a quarter percent last week and I know buyers and Realtors are asking the same question: what does this mean for mortgage rates?

Here is the biggest misconception worth clearing up. When the Fed changes rates mortgage rates do not automatically move by the same amount. That is simply not how it works. Conventional mortgage rates are influenced more by long-term market factors including inflation expectations and the bond market. The bond market is the big one.

The positive takeaway is that the Fed's actions are designed to create more stability in the economy and bring inflation under control over time. If investors gain more confidence that inflation is improving that creates a healthier environment for mortgage rates to follow.

For buyers this is a great reminder that the goal is not always to wait for the perfect market moment. The right strategy is understanding your options, negotiating wisely, and making a decision based on your personal goals.

For Realtors this is your opportunity to educate your clients, cut through the noise, and become the trusted advisor they need when headlines create uncertainty. The agents who bring clarity and confidence right now are the ones who build stronger relationships and grow their business long term.

To see live rates 24 hours a day 7 days a week visit kennbartley.com and input your specific purchase or refinance scenario.

Kenn Bartley, Canopy Mortgage.

09/07/2026

Kenn Bartley here from Canopy Mortgage. Happy Labor Day!

Labor Day is Monday September 7th. Football is underway, kids are back in school, and summer is unofficially over. But let's talk about what Labor Day is actually about: labor.

I have had a lot of different jobs in my life and a few of them could have qualified for the Dirty Jobs TV show.

When I was about 18 I was taking time off from college and working for a remodeling contractor on the Oregon Coast. I would take just about any job I could find to pay rent, buy groceries, and save enough to get back to school.

One winter we were working on a large cabin by a lake. The ground beneath the cabin had to be lowered to bring the structure up to code.

Guess who got that job.

I spent my days crawling underneath that cabin with spiders, mice, bugs, and in true Oregon Coast fashion plenty of mud. I would scoop dirt into a bucket we had reshaped into a sled. A helper outside would pull it out, dump it, and send it back. Then I would fill it up again.

Back and forth. Bucket after bucket. All day long for several weeks.

Now that was labor.

I have never forgotten it. Hard work builds character. Every job I have ever had taught me something and that one taught me more than most.

Labor Day is meant to recognize everyone who works hard and keeps our country moving. It is also a reminder to take the day off when you can.

And to everyone who has to work on Labor Day or any holiday: thank you. While the rest of us are relaxing you are keeping things running.

Now I want to hear from you. What was the dirtiest, hardest, or strangest job you ever had? Tell us in the comments.

Have a safe, relaxing, and well-earned Labor Day holiday.

Kenn Bartley, Canopy Mortgage. KennBartley.com.

08/26/2026

Hi, Kenn Bartley from Canopy Mortgage here. Football season is almost here, summer is winding down, and as usual there is plenty of talk about what the Federal Reserve may do next.

But when it comes to mortgage rates, the Fed is only part of the story.

Mortgage rates are heavily influenced by the bond market. Investors are watching inflation, government spending, employment data, and the overall direction of the economy. When long-term bond yields move higher mortgage rates generally feel upward pressure. When the bond market improves rates have room to move lower.

So what does that mean if you are thinking about buying a home?

I have never been a big believer in waiting for the perfect rate or trying to outguess the market. Things can change quickly and usually before the headlines explain why. By the time the news tells you it is a good time to buy the opportunity has often already moved.

The better strategy is to understand your options, know what your actual monthly payment would look like, and make a decision based on your own goals and your own circumstances rather than a rate prediction.

For my Realtor partners this is also an opportunity to help buyers understand what is happening beyond the headlines. An informed buyer is almost always a more confident buyer. And a confident buyer is one who can actually make a decision when the right house shows up.

If you have questions about mortgage rates or whether now might be the right time for your specific situation I am always happy to have that conversation.

And if you want to see current mortgage rates for your situation anytime day or night you can find live rates at KennBartley.com.

Now get out there and enjoy the last few weeks of summer.

Address

400 South 4th Street
North Las Vegas, NV
89101

Telephone

+17257358919

Website

http://www.KennBartley.com/

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