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Ted Canto, Mortgage Lending Expert NMLS #228393

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United States
Phoenix, AZ
Ted Canto, Mortgage Lending Expert NMLS #228393

Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home

Equal Housing Lender NMLS: 228393
(1)

Ted Canto
Branch Manager
M: (480) 650-8602
O: (602) 362-4210
NMLS ID # 228393
Hablo Español
2375 E Camelback Rd, Ste 600 Phoenix, AZ 85016
Branch NMLS ID # 1381241
Equal Housing Lender

Canopy Mortgage, LLC
360 Technology Ct Ste 200 Lindon, UT 84042
NMLS ID #1359687
https://canopymortgage.com/lo/tedcanto/
https://canopymortgage.com/privacy-policy/
https://canopymortgage.com/terms-of-use/

06/01/2026

The commercial real estate landscape is facing a significant milestone: the $76B maturity wall. For property owners and investors, this isn't just a number: it represents a critical period of refinancing and capital restructuring.

Why does this matter?
Many of these loans were originated in a lower-rate environment. As they come due in 2026, owners are meeting a market with higher interest rates and stricter lending criteria. This "gap" between current debt and new loan proceeds can put equity at risk if not managed proactively. Also commercial loan guidelines have changed.

The Implications:
- Increased debt service costs.
- Tighter liquidity from traditional banks.
- A need for creative bridge or SBA solutions to preserve capital.

If you or someone you know has maturity date approaching or want to discuss how these market changes affect your portfolio, feel free to reach out. I’m here to help you weigh the options. We have solutions.

05/18/2026

The 'Market Crash' headlines are lying!. As we all know, bad news sells.

The news will sell us that we are staring at a 4-year high in new listings & panicking. They see a slump; I see a great opportunity! This is an 'Inventory Opportunity' we’ve been waiting for.

For the first time in years, the leverage has shifted. We're no longer crossing our fingers, we get to to buy on our terms.

Here is how we MOVE:

Mindset: Stop fearing the noise. More houses on the market means you finally have a choice, not just a compromise.

Options: Use the inventory surge to negotiate terms that actually work for you.

Vision: We don't just find a loan; we build Wealth Protection & Acceleration. Using our Rapid Repay Program (offense) and life insurance (defense), we turn a mortgage into a wealth-building engine.

Ex*****on: Whether it’s a first home, a fix-and-flip, or a massive commercial SBA deal, we handle it from start to finish.

Do we fund that property type? The answer is always Yes. Residential, commercial, or hard money: we execute while others hesitate.

Don’t wait for the 'perfect' market. Create it.

05/05/2026

Headlines want you scared. The data wants you moving.

While the news is busy peddling a 'market slump' narrative, the actual numbers are telling a different story. We are seeing a massive 38% surge in market activity. The 'Spring Awakening' isn't just a catchy phrase: it's happening right now across Arizona, California, Florida, Texas, and Virginia.

If you're waiting for the 'perfect' time, you're missing the window where the real deals happen. It’s time to filter the noise and focus on the facts.

Here is how we use the MOVE Method™ to navigate this surge:

Mindset: Stop doom-scrolling. The market isn't dead; it’s repositioning.
Options: With activity up 38%, more inventory and creative financing are hitting the table.
Vision: See the spring window for what it is: a chance to get ahead of the summer competition.
Ex*****on: Read my latest consumer newsletter for the full breakdown of where the market is actually heading.

Don't let a headline keep you on the sidelines while the savvy players are making moves.

Click the link in my bio to read the full 'Spring Awakening' report on the blog.

04/30/2026

The headlines are still telling yesterday’s story.

The market already moved. 📉➡️📈
While the noise leans bearish, real-time data is telling a different story, purchase demand just jumped 10% week-over-week. Buyers are re-engaging, rates have stabilized enough to create opportunity, and the agents paying attention are already adjusting.

This is the gap where deals are made.

At Ted Knows Loans with the MOVE Method™, we don’t react to headlines, we read momentum. We identify the micro-shifts, the overlooked leverage points, and position our clients ahead of the curve, not behind it. Residential or commercial, the strategy is the same: move with intention, move with precision, and execute with conviction.

Momentum doesn’t wait. Neither should you.

Ready to lead the surge?

The answer is yes. 👊

04/27/2026

RATES REMAIN STEADY BUT THE WINDOW IS NARROW! 📉

Mortgage rates started the week flat at 6.32%. While we’re stuck in a sideways range for now, bonds are showing some modest weakness. We are essentially just waiting on the next major market-shifting headline to break the silence.

The Mortgage Hero knows: Stability is just the calm before the move. Don’t wait for the market to wander into a spike. 6.32% is a solid entry point to lock in before the next wave of volatility hits.

Mindset: Recognize the range.
Options: Lock in the 6.32% floor.
Vision: Beat the spring surge.
Ex*****on: The MOVE Method™ simplifies the shift.

Check the newsletter for the deep dive on today’s MBS recap.

DM me “LOCKED” to secure your rate before the market moves without you.

04/24/2026

Your CPA saved you on taxes. Your bank just cost you a home.
The "Write-Off" Rescue for the Self-Employed.

The Conflict: You’re a high-earning business owner, but on paper, your tax returns show a "loss." Traditional banks see a risk. I see a hero who knows how to scale.

The Power-Up: The Bank Statement Loan.
We bypass the 1040s. We look at your real cash flow: 12 months of business deposits: to prove your true buying power.

Linda’s Intel: The "Tax Return Bypass."
We apply a standard expense factor to your total business deposits. This ignores the heavy depreciation and write-offs that usually kill a mortgage application.

The MOVE Method™ in Action:
Mindset: Stop thinking like a W-2 employee.
Options: Bank Statement loans are your secret weapon.
Vision: Own the home that matches your success.
Ex*****on: We handle the bypass from start to finish.

The Win: Don't let your tax strategy block your real estate goals.

DM me "STATEMENTS" to see your true numbers. We cover AZ, CA, FL, TX, and VA.

04/22/2026

You’re not “disqualified.” You’re just on a clock.

The 2-Year Rule (in plain English):
In a lot of cases, you may be eligible for a mortgage about 2 years after bankruptcy and/or foreclosure: IF the rest of the file makes sense.

Here’s the real game:
M (Mindset): Stop wearing the scarlet letter. “I’m done” turns into “I’m back.”
O (Options): FHA, VA, Conventional… the waiting period depends on the event + the loan type.
V (Vision): Clean up the basics (income, job, credit rebuild, reserves) so the story reads right.
E (Ex*****on): We map the steps and run it start to finish: pre-approval to closing.

If you’re ready to execute, the answer is YES.

AZ | CA | FL | TX | VA
Ted Knows Loans Powered By Canopy Mortgage
www.tedknowsloans.com

04/16/2026

The 'Waiting Game' just ended.

April 2026 clocked a massive 38% surge in purchase locks. People are moving. They're realizing the 'crash' was a myth and the 'rental trap' is a reality.

At 6.45%, affordability is actually better in 99 of the top 100 markets than it was last year. If you're waiting for the 'perfect' time, you're missing the move.

Across AZ, CA, FL, TX, and VA, I’m helping people get it done with the MOVE Method™:

M: Mindset shift, stop timing the market.
O: Options for down payment assistance.
V: Vision for long-term equity.
E: Ex*****on to close the deal.

Whether it's your first home or a complex investment property, the answer is always YES. Check out the full breakdown in my latest blog:

Don't be the last one out of the gate. Let’s talk.

04/14/2026

The $1 Trillion Commercial Cliff is here, and the big banks are ghosting you.

Look, I’m not here to sugarcoat it. Trillions in commercial loans are hitting maturity, and traditional lenders are pulling back faster than a bad check. They’re tightening the screws, raising hurdles, and leaving business owners hanging.

If you’ve got a commercial asset, an SBA deal, or a residential portfolio coming due, don’t let the bank squeeze you out of your equity. At Ted Knows Loans, we still have solutions that are saying "Yes" while the big guys are saying "Next."

We handle everything from start to finish: Residential, Bank Statement Loans, Commercial, SBA Express, SBA, Hard Money, and Fix & Flip. We use our MOVE Method™ to keep you on the offense:

Ⓜ️indset: Stop waiting for the bank to call you back. Take control now.

🅾️ptions: We have access to lending channels the traditional banks won’t even mention.

✌🏼ision: Protect your assets and accelerate your wealth protection.

🇪xecution: We close the deal so you can get back to running your business.

Every consultation is 100% confidential. You want a straight answer without the corporate fluff? Let’s talk.

NMLS 228393
Powered ⚡by Canopy Mortgage

04/10/2026

A house is just wood and nails until you put a family inside. Then, it becomes a legacy.

Helping a family secure a home isn't just about crunching numbers; it’s about protection. It’s about building a fortress where memories are safe and wealth can actually grow. That’s why I don’t just "do loans", I use the MOVE Method™ to engineer futures.

Mindset: We start by shifting from "Can we afford this?" to "How does this build our family's wealth?"

Options: From FHA and VA to custom Bond programs, we find the specific tool that fits your life, not the bank’s.

Vision: We look 10, 20 years down the line. We balance the "Offense" of our Rapid Repay Program with the "Defense" of asset protection like life insurance.

Ex*****on: We handle the process from start to finish. No hand-offs, no BS. Just the keys in your hand.

Whether it’s residential, commercial, or a complex investor flip, if you ask if we can fund it, the answer is Yes. We’re here to protect the dream and accelerate the win.

Let's get your family on the MOVE.

Address

2375 E Camelback Road, Ste 600
Phoenix, AZ
85016

Opening Hours

Monday	9am - 8pm
Tuesday	9am - 8pm
Wednesday	9am - 8pm
Thursday	9am - 8pm
Friday	9am - 8pm
Saturday	10am - 6pm
Sunday	10am - 6pm

Telephone

+14806508602

Website

https://canopymortgage.com/lo/TedCanto/

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