Candace Clark / Canopy Mortgage NMLS 153212

10/22/2026

10/21/2026

CHECK THIS OUT!

Freddie Mac updated their guidelines and now allows MANUFACTURED HOMES that have been moved from their original location!!! Say what?!?

Requires an engineering inspection, HUD zone match and delivery data requirements.

Call for more info or with any questions!
360-301-9740

10/16/2026

The team has been hard at work coming up with affordable financing options in this market and we are celebrating wins!
Call us on what we have to offer your buyers!
360-301-9740

PS. I'm the raccoon because Cody is skinnier than me but.. I have WAY better dance moves and the Prada hat and sunglasses are so me!! Ha! 🤣

09/30/2026

One of the most common misconceptions I hear from buyers: you need 20 percent down to buy a home. And for many people that belief is the biggest thing holding them back from homeownership.

The reality is there are many different loan programs, down payment options, assistance programs, and seller concessions that can help reduce the amount of money needed upfront. Here is a quick look at what is actually available.

Down payment assistance programs that can cover some or all of your down payment. FHA loans with as little as 3.5 percent down. Conventional loans with as little as 5 percent down. USDA loans with zero down for eligible rural areas. VA loans with zero down for eligible veterans and service members.

Every buyer's situation is different which is why it is so important to have a real conversation before assuming homeownership is out of reach. You may be a lot closer than you think.

The first step is not saving forever. It is understanding what options are actually available for your specific situation.

Give us a call today at 360-301-9740 and let us take a look. You might just be surprised.

Candace Clark, Canopy Mortgage.

09/25/2026

One of the most common questions I am hearing right now: should I buy today or wait until mortgage rates come down?

It is a completely reasonable question and the honest answer is more nuanced than most people expect.

Here is the challenge with waiting. When rates improve more buyers typically jump back into the market. More buyers means more competition. More competition can push prices higher. So the lower rate you waited for may come with a higher purchase price that offsets some or all of the payment savings you were hoping for.

There is no perfect moment that makes buying feel effortless. There is only the moment when the numbers and your goals align for your specific situation.

The more useful questions to ask are not about where rates are going next. They are: does this monthly payment fit my actual budget comfortably? Is this the right home for my family right now? Does buying today make sense given where I am in life?

The best time to buy is not always when rates are at their lowest. It is when the payment works, the home fits, and the decision aligns with your goals.

If you are trying to figure out whether now is the right time for your situation reach out and let's look at the real numbers together. Give us a call. 360-301-9740.

09/24/2026

The Fed made a move this 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. Conventional mortgage rates are influenced more by long-term market factors including inflation expectations and the bond market. They are related but they are not the same thing.

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

For buyers this is a good reminder that the goal is not 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 a great opportunity to educate your clients, cut through the noise, and be the trusted advisor they need when headlines create uncertainty. The agents who bring clarity and confidence right now are the ones building stronger relationships and growing their business long term.

Reach out anytime if you have questions about what this means for your specific situation.

09/09/2026

You have probably seen some headlines about a possible 50-year mortgage and wondered if it is finally here. Let me give you a straight answer so you can stop wondering.

Right now the answer is no. A 50-year mortgage has been discussed in various policy and industry conversations as a potential way to lower monthly payments and improve affordability for buyers who are being priced out by current rates and prices. But it is not an available mortgage product today. You cannot walk into a lender and choose a 50-year loan.

And while it is worth understanding the concept, it is also worth understanding the trade-off clearly. Yes, stretching a loan over 50 years instead of 30 would lower the monthly payment. But it would also mean paying significantly more interest over the life of the loan. A lot more. And it would mean building equity much more slowly because a larger portion of every early payment goes toward interest rather than principal. You would own less of your home for longer.

So while it makes for an interesting conversation and a compelling headline it is not something buyers can actually choose right now.

The more useful conversation is about the loan options that are actually available today and which one makes the most sense for your specific financial situation and goals. There are more options than most buyers realize and some of them are very compelling in the current market.

Reach out to 360-301-9740 and let's have that conversation instead.

09/02/2026

Here is some good news for buyers who have been sitting on the sidelines waiting for conditions to shift in their favor.

We are finally seeing more homes hit the market. That means you have more options than you have had in years. Not a little more. Meaningfully more in many areas across the country.

And here is what happens when inventory grows. Sellers start to feel it. They become more motivated. More flexible. More willing to do things that were simply not on the table when they had ten offers in the first weekend.

More sellers are reducing prices. More are offering to cover closing costs. More are willing to negotiate on repairs. And more are open to funding rate buydowns that can significantly lower your monthly payment in the first years of ownership. These are tools that experienced buyers and their agents know how to use and that can translate to thousands of dollars back in your pocket.

Now to be clear this does not mean it is suddenly a buyer's market everywhere. Some properties in some areas are still moving quickly with competition. But as a general trend buyers have more leverage today than they have had in a very long time.

If you have been sitting on the sidelines because you felt like you could not compete, because you kept losing out, because the market felt impossible, now may be the perfect time to take another look. The market is starting to create opportunities again.

Reach out and let's talk about what this means for your specific situation and your timeline. 360-301-9740