USDA Home Loans

USDA Home Loans USDA Home Loan Program is available for homebuyers looking to purchase in an approved lending area. Connect with us and start the home buying process today!

USDA Home Loan Program is available for home buyers to purchase a house in an approved lending area that offers a no money down home loan program. USDA offers a home loan program to purchase a property to qualified buyers in a designated approved lending area throughout California. The USDA program is virtually untapped by a potential homebuyer, do not overlook this 100% financing purchase program

in California. The benefits of the program are:
- No Money for the down payment of the purchase amount
- 100% financing of the purchase amount
- If the property appraises for higher than the agreed upon purchase amount, you can finance the closing cost with that additional equity, this is the only purchase program that will allow this
- Very loan upfront and monthly mortgage insurance fee
- Approved lending area is vast here in California

Want to explore your options of the USDA home loan program? Canopy Mortgage LLC - NMLS #1359687
Phone: (602) 362-4210
2375 E Camelback Rd #600
Phoenix, AZ 85016
Branch NMLS ID # 1381241

***All loans are subject to credit, income, and property approval
***Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act

03/11/2026

Are we finally in a buyer's market? The numbers say yes, but what is actually happening in the market tells a more complicated story.

Inventory is up massively compared to just a few years ago and there are far more sellers than buyers nationwide right now. You would expect prices to be falling fast, but instead of cutting prices, a lot of sellers are simply pulling their listings. They are not desperate. They just wanted to sell at their number, and when that number does not come, they wait. The result is a strange standoff where homes sit longer, buyers hesitate, and neither side blinks.

In terms of leverage, yes this is absolutely a buyer's market. In terms of headline prices, not fully, because sellers are protecting the equity they built during the pandemic. The real discounts are not showing up in the list price. They are hiding in seller credits, closing cost help, rate buydowns, and repair concessions on homes that have been sitting the longest.

The longer a listing has been on the market, the more negotiating power you have.

Comment "STALE" and I will tell you the exact signs a listing is quietly desperate even when the price has not moved.

03/11/2026

The trigger lead era is officially dead, and if you have ever had your phone blown up by strangers the moment you applied for a mortgage, this news is for you.

For years, the second your credit was pulled during a mortgage application, credit bureaus could legally sell your personal information to dozens of competing lenders within hours. Calls, texts, and emails from lenders you never contacted and never gave permission to reach you. That practice is now federally banned in all 50 states.

President Trump signed the Homebuyers Privacy Protection Act on September 5th, 2025, and it took effect this week on March 5th, 2026.

Your data stays private. Your phone stays quiet. And the lender you chose is the one you actually get to work with, without the noise and confusion of strangers pretending to know your file.

The home buying process is already stressful enough. You deserve to go through it with focus, trust, and peace of mind. If you are thinking about buying, now is a great time to start that conversation with someone you actually chose. Follow me for more updates on what is changing in real estate and how it affects you.

03/05/2026

Trying to time the mortgage market is a lot like going to Vegas, and most people do not come out ahead.

After 30 years in the mortgage industry, I have watched these cycles go up and down more times than I can count. When I started, rates were at 18%. The pandemic brought the lowest rates most of us will ever see in our lifetime, and it took a once in a hundred year event to get there. That ship has sailed. Waiting for rates to drop an eighth or a quarter of a percent is not a strategy. It is a gamble, and the market proved that again just last week when rates dipped for a day or two and then went right back up.

The place you can actually win is not on the rate. It is on you. Your credit, your income, your down payment, and your assets are the three variables you can control and improve right now while you wait for the right moment to move.

If you are in California, Arizona, Nevada, or Utah and want to talk through your options with no pressure, reach out to Nathan Rufty at Canopy Mortgage. All contact information is below.

03/05/2026

Rates dropped last week and buyers who were waiting to see what happened on Monday missed it completely.

That is the reality of trying to time the mortgage market. Rates dipped to some of the lowest levels in months, I locked three or four deals that day, and then they went right back up. The buyers who hesitated are now sitting with higher rates than they would have had. You simply cannot time this market, and the ones who win are the ones who are already in a striking position before the opportunity shows up.

That means income, assets, and credit already reviewed. Pre-approval letter already in hand. So when the right rate appears, we lock it fast and your offer is ready to go.

If you are a realtor with buyers who are waiting for the perfect moment, let's connect. My name is Nathan Rufty and all my contact information is below. Let's get your buyers positioned and ready in 2026.

02/20/2026

You might have heard “the government is buying billions in mortgage bonds” and wondered what that means for your mortgage rate.

Simple version: when big players buy mortgage backed securities, demand goes up. When demand goes up, yields can fall. When yields fall, mortgage rates can ease.

But this can be temporary, and headlines change fast.

If you are buying right now, focus on your monthly payment target and have a clear refinance break even plan if rates improve later.

Comment “RATE” and I will send you my quick rate watch checklist.

02/19/2026

If you’re watching rates and wondering “should I wait or move now?” this makes it simple.

Fill out this quick form with your current rate and your target interest rate, and I’ll notify you when rates drop and you may have an opportunity to make a move.

Link: https://nathanrufty.com/rate-form-submission

02/06/2026

A lot of buyers are waiting for the Fed to cut rates before making a move

Here’s the reality
The Fed controls short term rates like credit cards and auto loans
Mortgage rates are long term and move based on market reaction

Waiting for a massive drop could mean higher prices and more competition
If you buy now and rates improve later, refinancing is always an option

If you need a place to live and the numbers make sense, timing the market is rarely the winning strategy

01/28/2026

Realtors, how often do you hear this from buyers?

“I want to buy a home, but I do not know my credit and I do not want a hard inquiry.”

Here is the truth most consumers do not realize. The credit score they see on Credit Karma, their bank, or their credit card is not the same score used for mortgages. Mortgage credit uses a different and tougher scoring model.

That is why we offer a soft credit pull option.

With a soft pull, buyers can see all three bureaus, understand where they stand, and get a real plan to improve their credit without hurting their score. No guessing. No unnecessary hard inquiry upfront.

This helps you move hesitant buyers forward, set realistic expectations, and avoid deals falling apart later.

If you want a lender who educates, not pressures, and helps your clients take the next step with confidence, let’s connect.

01/22/2026

Are you or a loved one on a fixed income and feeling the pressure of home repairs, medical bills, or just keeping up month to month? A reverse mortgage might be worth exploring. No, it’s not the reverse mortgage of decades ago. For the right person, it can reduce monthly stress, provide flexibility, and still give heirs options later. If you want a simple, no pressure breakdown, message me.

01/14/2026

Quick mortgage update. Rates improved this week.

This is a great moment to call your database and stir up conversations with buyers who paused over payments.

We can even notify them automatically when pricing hits the number they need.
Want the daily rate tracker link? Comment RATE.

01/09/2026

To all the men and women in law enforcement — thank you. 💙

You serve with courage, protect with integrity, and show up when your community needs you most.
Today, we celebrate you and everything you do to keep us safe.

If you’re in law enforcement and have been thinking about homeownership, there are exclusive programs that make it easier to buy or refinance a home.

Let’s connect and explore your options — it’s one small way to give back to those who give so much.

01/07/2026

Welcome to 2026. If you’re thinking about buying a home or refinancing this year, the best first step is simple: talk to a licensed mortgage professional and get a clear plan based on your income, credit, and down payment.

Even if you’re not ready today, a quick conversation can give you a blueprint for 3 to 6 months from now.

If you want a live quote based on your details, check out fastandeasyquote.com and I’d love to help you map out next steps.

Address

2375 E Camelback Road #600
Phoenix, AZ
85016

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Website

https://canopymortgage.com/lo/NathanRufty/

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