Candace Clark / Canopy Mortgage NMLS 153212

Candace Clark / Canopy Mortgage NMLS 153212 Over 20 years experience (NMLS 153212), and licensing in WA, NV, FL, and AZ (Arizona Mortgage Banker License No. 943518).

Candace Clark
Mortgage Loan Originator 153212
Canopy Mortgage LLC NMLS 1359687
Direct 360-301-9740
www.nmlsconsumeraccess.org
Canopy Mortgage, LLC 360 Technology Ct Ste 200 Lindon, UT 84042
(877) 426-5500
Equal Housing Lender

State Licenses Page: https://canopymortgage.com/state-licenses/
Privacy Policy: https://canopymortgage.com/privacy-policy/
Terms of Use: https://canopymortgage.com/terms-of-use/

Beautiful! 💜
06/11/2026

Beautiful! 💜

Your "Men in Black" of Mortgages! 🤣We're not only your Mortgage experts, we strive to make your next forever home purcha...
06/09/2026

Your "Men in Black" of Mortgages! 🤣

We're not only your Mortgage experts, we strive to make your next forever home purchase fun and stress free!

But first....lets get you preapproved!

Call us today, we'd love to help you with your next chapter!

Candace Clark 360-301-9740
Cody Clark 360- 316-1446

Photo by Deja View Photography Studio!

06/09/2026

Security tip! Beware!

06/09/2026

Congratulations to my client who just purchased a fabulous view home in Cape George! Happy retirement my friend!

Cheers to new beginnings, General! 🥂

PNW Living! Thinking of moving to the gorgeous Pacific Northwest? Call us with any questions about the area, we're happy...
06/09/2026

PNW Living! Thinking of moving to the gorgeous Pacific Northwest? Call us with any questions about the area, we're happy to share!

Its not moving, its building the lifestyle you want!

06/03/2026

The Iran conflict may be winding down, and for buyers, sellers, and real estate professionals, that is meaningful news worth paying attention to.

Geopolitical uncertainty has been one of the primary drivers pushing mortgage spreads higher and creating the rate volatility that has made planning difficult for anyone in the market.

As that uncertainty begins to ease, it creates a more stable and predictable environment for buyers and sellers to make confident decisions.

Rates will still be influenced by broader economic conditions, including inflation and bond market movement, but removing a major source of unpredictability from the equation changes the landscape in a positive way.

For agents, this is a genuinely good moment to reassure clients who have been hesitant.

The market is steadying.

Strategic moves made now can position buyers and sellers well for the months ahead before broader awareness of this shift drives increased competition and reduces the negotiating leverage that currently exists.

Reach out and let's talk through what this means for your specific situation and how to take advantage of the current window.

04/29/2026

There was a quiet announcement on March 18th that is going to put real money back in homeowners pockets, and it has barely made a ripple in the news cycle.

The FHFA directed Fannie Mae and Freddie Mac to now accept actual cash value coverage on roofs instead of requiring full replacement cost insurance. If that sounds technical, here is the plain English version. Your lender previously required you to insure your roof for what it would cost to replace it brand new today. That is an expensive standard and insurance companies have been charging accordingly. The new rule lets you insure your roof at its current actual value instead, which can bring your monthly premium down in a meaningful way.

Why does the timing of this matter so much? Because homeowners insurance has increased 46% since 2021 and the average annual premium crossed nearly $3,000 by the end of 2025. For a lot of families that number has been quietly eroding the affordability of homeownership month after month. This change directly pushes back against that trend.

And the reach of this update is broader than most people would assume. About 70% of all mortgages in the country flow through Fannie Mae or Freddie Mac, which means this guideline applies to the vast majority of borrowers. This is not a niche policy for a small segment of the market. It touches almost everyone with a mortgage.

If you own a home, pick up the phone this week and ask your insurance provider about switching your roof coverage to actual cash value. If you are in the process of buying, this is one more data point that improves the monthly cost picture. Send me a DM and I will help you understand exactly how this applies to your situation. And follow along because this is exactly the kind of update I bring every single week.

04/22/2026

You might be wondering what a conflict happening thousands of miles away has to do with your ability to buy a home here in the United States. The connection is more direct than most people realize, and understanding it puts you in a much stronger position to make smart decisions right now.

Here is how the chain reaction works. The conflict with Iran has pushed oil prices higher. When oil rises, the cost of transporting goods, manufacturing products, and running businesses all goes up with it. That feeds directly into inflation. And when inflation rises, or even when markets fear it might, the Federal Reserve holds back on cutting interest rates. Mortgage rates had briefly dipped below 6% for the first time in over three years, creating real momentum and bringing buyers back into the market. Then oil prices spiked, inflation fears returned, and rates jumped back up. The mechanism is the bond market. When investors get nervous about inflation they sell bonds, bond prices fall, yields rise, and mortgage rates follow almost immediately. Oil prices up, inflation fears up, bond yields up, mortgage rates up, your monthly payment up. That is the sequence and it is happening right now.

So what do you actually do with this? Understand that rate volatility is real and build it into your planning. Talk to your loan officer about rate lock strategies to protect yourself while you are shopping. And explore seller-paid rate buydowns, because in a market where sellers are already making concessions you can negotiate for them to buy your rate down at closing and offset some of that impact.

The buyers who win right now are not the ones waiting for the perfect rate. They are the ones who understand why rates are moving and use every available tool to make the deal work anyway.

Send me a DM and let's talk through what current rates mean for your specific budget and how to structure your purchase to protect yourself from volatility.

04/17/2026

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.

04/09/2026

ATTENTION Jefferson County Realtors!

10 Real Ways Brokers Can Use AI Every Day With The One and Only, Kevin Hawkins!

Free to Jefferson County REALTORS.
April 13th, 10 am - 11 am.

Class will be held at:
John L. Scott Real Estate
1300 Water Street, Suite 102
Port Townsend, WA.

Space is limited, so please RSVP to: [email protected].

Kevin will walk through real, everyday ways brokers can use AI beyond content creation: using AI as a fixer, organizing messy information, improving email deliverability, verifying AI results, personalizing outputs, showing up in AI searches, editing photos, and creating a “forever” client gift. Practical, responsible, and immediately usable.

Kevin Hawkins is editor and co-creator of REAL AI, the first and most widely read weekly newsletter on artificial intelligence in real estate. No one has written more about AI in real estate than Kevin. He is the Amazon bestselling author of the book The REAL AI Guide for Real Estate Agents. A trusted voice and in-demand speaker, Kevin focuses on practical and responsible AI. Published more than 40 times on Forbes.com, he was selected as one of the industry’s most influential leaders by Inman, and RISMedia named him a 2025 Newsmaker Futurist. Kevin also is a partner at the real estate consulting firm WAV Group, where he serves as a communications strategist, consultant, and media relations expert.

Kevin will have his book, The REAL AI Guide for Real Estate Agents, available after the class at a discounted price for those interested!

Brought to you by Candace Clark/Canopy Mortgage and Scott Rogers of John L Scott.

This is the way of the future! You don't want to miss this one! RSVP Today!

Address

Port Townsend, WA
98339

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+13603019740

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