Nathan Rufty - Home Loans

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Nathan Rufty - Home Loans Home Loans in Arizona, California, Nevada & Utah, FHA Loan, VA Loan, USDA Loan, First Time HomeBuyer When you’re 14 years old, getting up at 6:00 a.m.

Loan Officer in Rancho Cucamonga - Real Estate Home Loans provider since 1988, Nathan Rufty is your mortgage professional providing the best possible customer service to all his clients whether you're a new home buyer or investor. every day – rain or shine, snow or sleet – isn’t always the easiest thing to do. But as a paperboy, getting those papers to the customers on my route was so important to

me that I did it anyway, every day of the week and I always delivered on time. That strong work ethic, with its commitment to customer service, detail, courtesy and reliability, has guided my professional life from my first job as a paperboy, to my customer service position in a retail flower company, 10 years as firefighter and through more than two decades in the lending industry. Though the job titles may vary, the underlying dedication remains the same: I provide the best possible customer service to my clients, no matter what. To me, customer service boils down to one simple rule: To always treat others the way I want to be treated. So, when you are my client, expect to be treated with respect and courtesy. Above all else, I am a professional... and I will use my years of knowledge and experience to find the best loan program for your needs. After all, your home represents one of -- if not the -- largest purchases you’ll ever make and such a significant investment of your resources, finances and time is not something you want to mess around with. My no-nonsense approach means that I will use all the knowledge and resources at my disposal to get your deal done in a timely, smooth and stress free manner and communicate with you during the entire process. I’m up-front, to the point, and I’ll tell you what you need to know. There’s a reason why I’m known as the Nordstrom’s of the mortgage industry! My professional work ethic stems in large part from my background and upbringing; as a child born into a military family – I have family members in almost all branches of the armed services, including the Air Force, Navy and Marines -- I learned the value of commitment, service and dedication at a young age. Today, I love working with veterans and their families. It’s extremely rewarding to me to help members of our military purchase the perfect home for their needs. I pride myself on providing the best possible customer service to all of my clients, whether they’re new homebuyers or seasoned investors. My current and previous customers will tell you that I am courteous, knowledgeable and a great communicator. When it comes down to it, the jobs I’ve held throughout my life – from a paperboy, a firefighter and a licensed mortgage professional – may seem different on the surface, but they all boil down to commitment to customer service. I welcome the opportunity to assistance you in exploring the best loan for you. Contact me directly at 909-503-5600 to discuss financing options. Mortgage Loan Originator NMLS #292056
Canopy Mortgage LLC - NMLS #1359687
Phone: (602) 362-4210
2375 E Camelback Rd #600
Phoenix, AZ 85016
Branch NMLS ID # 1381241
AZ License # 0946912

***All loans are subject to credit, income, and property approval
***Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act
www.nmlsconsumeraccess.org
State Licenses: https://canopymortgage.com/state-licenses/
Terms of Use: https://canopymortgage.com/terms-of-use/

15/05/2026

Are you excited about what is happening in the housing market right now? Because I am, and here is why you should be too.

This is becoming a buyer's market. There is more inventory available right now than we have seen in years, which means buyers can make offers and actually get them accepted. If you are a buyer sitting on the fence or a realtor with a client who keeps waiting, this is a genuinely good time to move.

I hear the same objections all the time. No income, no credit, no down payment, or too much outside noise making people nervous. But here is the truth. What is happening across the world, in the Middle East, with gas prices, or with the cost of eggs does not determine whether you should buy a home today. What matters is your budget, your credit, and your plan. If you do not have the income we need to talk about where we can find it. If you have assets like a 401k, stocks, bonds, or mutual funds, selling something of value could be your down payment. And sellers are increasingly willing to cover closing costs right now, which I am seeing on more and more of my purchase transactions. If you do not know your credit score, a free credit report from a general agency is not a mortgage-related credit report. It will give you an inflated and often inaccurate picture. You need a mortgage professional to pull your actual report, and I can do a soft pull that will not affect your credit score at all.

I am Nathan Rufty with Canopy Mortgage and I want to talk to you. All my contact information is below. Let's get you on the path to homeownership.

06/05/2026

To all the incredible nurses out there — thank you. 💙

You’re the heartbeat of every community, showing up day and night to care for others when it matters most.

This Nurse’s Appreciation Day, we just want to say how much you’re valued and appreciated.

If you’re a nurse looking to buy a home, you may qualify for special loan programs that make it easier to get started.

Let’s chat about your options — you deserve it!

04/05/2026

Teachers do more than teach — they lift communities.

This Teacher Appreciation Week, we want to say thank you to every educator who’s shaping the next generation. 👏

If you’re a teacher dreaming about homeownership, you might qualify for special programs and savings made just for you.

Let’s make that dream a reality — send me a message to learn more!

24/04/2026

The biggest story in real estate right now is not rates, inventory, or prices. It is the ceasefire, and here is why it changes everything for buyers who have been sitting on the sidelines.

When the conflict in the Middle East kicked off in late February, oil prices spiked, Treasury yields jumped, and the spring market essentially froze in place. But the two-week US and Iran ceasefire announced earlier this month has already pulled the 10-year Treasury yield back down and stabilized energy markets. That matters for one significant reason: mortgage rates follow the 10-year Treasury. When that yield comes down, your rate comes down with it.

Freddie Mac's chief economist Sam Khater is already calling this a positive development for homebuyers that could spark a stronger spring market than we saw last year. The buyers who went quiet in March are watching this closely, and a more stable backdrop tends to bring fence-sitters right back into showings fast. Add to that the fact that Bright MLS is reporting a historic rise in inventory, which means more choices and more room to negotiate the moment confidence returns.

If you paused your home search this spring, now is the time to take another look. The window is opening back up and buyers who move with the right strategy right now are going to be very well positioned.

17/04/2026

Redfin just reported something that every buyer and seller needs to hear right now, and the numbers are genuinely significant.

Buyers currently have more leverage than at any point in the last 13 years. Here is what is driving that. There are approximately 46% more sellers than buyers in today's market, and that imbalance is bringing back concessions, closing cost credits, and real negotiating room that buyers have not seen in years. Inventory just crossed 723,000 single-family homes, which means buyers finally have real choices instead of competing over the same handful of listings.

And sellers are benefiting too. More homes are being priced correctly from day one, which leads to cleaner deals and faster closings for everyone involved.
Here is the part worth paying close attention to right now. The week of April 12th through April 18th is statistically the best week of the entire year to list a home according to Realtor.com data. Buyer traffic peaks, searches spike, and homes listed during this window tend to sell faster and for more money than any other week of the year. If you have been waiting for the right moment to list, this is it.

Follow me for more real-time market updates like this every week.

10/04/2026

The question I have been getting more than any other this past month and a half is whether we are in a buyer's market. The answer is yes, and here is what that means for you.

Right now as a buyer you have the upper hand when it comes to making an offer on a home. Sellers are willing to work with you, and homes that have been sitting on the market longer can represent real opportunity, especially when the location is right. And location is everything in real estate. You cannot pick up a stick-built home and move it, so if a property is in the right spot near your work and your family, that value is not going anywhere but up over time.

Here is something else worth remembering right now. You are not married to the rate. You are married to the loan amount and the house. Rates fluctuate and you can always refinance down the road when they come down. What matters most right now is whether the payment works within your budget, including taxes, insurance, and your down payment.
Motivated sellers are out there right now for all kinds of reasons, a job change, a divorce, a life transition, and many of them are willing to offer credits toward your closing costs or buy your rate down. That is a win for them and a win for you.

My name is Nathan Rufty with Canopy Mortgage and I would love to connect with you in this buyer's market to see what we can do to get you qualified and in position to make an offer. All my contact information is below and I look forward to connecting with you.

31/03/2026

If you have been considering buying a home outside of a major city, USDA just made a move that could seriously speed up your path to closing.

The Department of Agriculture just launched what they are calling the Rural Housing Modernization Initiative, and it changes the process in a meaningful way. Qualified lenders can now approve and close guaranteed USDA loans on their own, which means less back and forth, fewer delays, and a faster timeline from start to finish. This brings USDA in line with how VA and FHA loans already work, and if you have ever been frustrated by longer USDA timelines, that frustration is about to become a thing of the past. USDA also launched a new online portal called My RD Loan that gives borrowers with direct loans 24/7 access to their account, payments, and loan information all in one place.
Here is the best part. Nothing changed with eligibility.

Same guidelines, same protections, just a smoother experience. And USDA loans are still one of the best kept secrets in home lending: zero down payment, no PMI, and now a faster process from application to closing.

If you are buying in a rural or suburban area and want to know if you qualify, send me a DM and I will check your area for free.

11/03/2026

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.

11/03/2026

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.

05/03/2026

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.

05/03/2026

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.

Address

CA

Opening Hours

Monday 08:00 - 18:00
Tuesday 08:00 - 18:00
Wednesday 08:00 - 18:00
Thursday 08:00 - 18:00
Friday 08:00 - 18:00

Telephone

+19095035600

Website

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

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