Cody Clark / Canopy Mortgage NMLS# 2579424

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Cody Clark / Canopy Mortgage NMLS# 2579424

Cody Clark NMLS #2579424
Canopy Mortgage, LLC

Cody Clark
Mortgage Loan Originator NMLS #2579424
Canopy Mortgage, LLC NMLS #1359687
360 Technology Ct, Ste. 200, Lindon, UT 84042
(877) 426-5500
https://www.nmlsconsumeraccess.org/
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/

09/11/2025

Market Update 09/11/2025

Mortgage rates have dropped to their LOWEST point in more than a year!

The trends we’ve been anticipating since early 2024 are beginning to appear in the data: the job market isn’t quite as strong as it once seemed, while inflation continues to run higher than expected. This week’s Consumer Price Index and Producer Price Index reports will give us a clearer picture; both have the potential to move rate sheets quickly.

Advice for borrowers:
In today’s market, timing is everything. If you find a rate you like, lock it in. Waiting too long could cost you.

08/29/2025

Quick Market Update 8/28/25:

Rates are moving in a positive direction…

Just keep in mind, the decline won’t be perfectly smooth; there will be ups and downs. If you see a rate you’re happy with, consider locking it in rather than waiting for the “perfect” scenario.

Heads up:

This Friday’s inflation report could shake things up. If the numbers come in higher than expected, we may see rates push upward again.

08/14/2025

Market Update 8/14/25

The Bureau of Labor Statistics displayed a major miss in last week's jobs report, which caused mortgage rates to drop to their lowest points of the year!

The Fed meets again next month. It is now 90% likely that the Fed will lower the funds rate. The sole question is whether the cut will be 0.25% or 0.50%.

PLEASE remember: mortgage rates are not set by the Fed. A reduction in the Fed Funds Rate (FFR) could in fact result in higher 30-year fixed mortgage rates, particularly after the market has had time to process the Fed's post-meeting remarks.

Why would rates go up if the Feds cut the FFR? A Fed cut can raise mortgage rates if it makes investors expect more inflation or less Fed support later, causing long-term bond yields to spike. Mortgage rates follow those yields, not the Fed Fund Rate itself.

07/31/2025

Market Update 7/31/25

The Federal Reserve maintained the Fed Funds Rate at yesterday's meeting, as anticipated. At the Fed's next meeting, the markets are now pricing in a 25% likelihood of a 0.25% rate decrease.

Chairman Powell made a point during his press conference that should be reiterated: Mortgage rates are not the Fed Funds Rate. Powell stressed that a strong labor market and an inflation rate at or below 2% is what the housing market truly needs.

Although we have somewhat risen from the recent lows we witnessed on April 1st, mortgage rates are still lower than they were at the beginning of the year. The general consensus? Expect gradual improvement in rates as we head toward year-end.

05/14/2025

Next time you’re grabbing a bite at Spruce Goose Cafe, check out the menu, you’ll see me in there! While you’re enjoying the food, remember I’m here to help with any home financing needs. Whether you’re buying, refinancing, or just exploring options, let’s connect. I’m local, I’m accessible, and I’m ready to help, just like your favorite restaurant😃!!

Cody Clark - Mortgage Loan Originator
NMLS # 2579424
(360) 316-1446
[email protected]
Serving communities in WA, OR, AZ, and TX

05/12/2025

Just Closed!

Big congratulations to my amazing clients on their new home! It was a pleasure helping them secure the right loan and navigate the process smoothly from start to finish.

If you’re ready to buy but unsure where to start with financing, I’m here to guide you every step of the way. Let’s make homeownership happen!

Cody Clark - Mortgage Loan Officer
NMLS # 2579424
(360) 316-1446
[email protected]
Serving communities in WA, OR, AZ, and TX

01/28/2025

‼️ATTENTION HOME BUYERS / REALTORS / HOMEOWNERS‼️

🏡 Stay Ahead of Mortgage Rate Changes—For You & Your Clients! 📉

Whether you're buying a home, helping clients purchase, or just monitoring the market, knowing when rates shift can save you time and money!

🔹 Home buyers: Get real-time alerts when rates drop, so you can lock in the best deal.
🔹 Realtors: Keep your clients informed, giving them confidence to move forward at the right time.
🔹 Homeowners: Considering refinancing? Track rates and strike when the time is right!

📲 Sign up for FREE rate tracking today!
✅ Target Rate Alerts – Get notified when rates hit your goal
✅ Personalized Daily Updates – Based on your financial situation
✅ Market Snapshot – Stay informed on daily rate trends

💡 Smart buyers and top realtors know that the right rate can make all the difference!

🚀 Don’t miss out—scan the QR code or contact me to sign up now!

01/23/2025

Looking for a better mortgage experience? 🌟 Canopy Mortgage stands out with:

✅ Low overhead = Low rates
✅ Simple, transparent flat fees
✅ Fast approvals & closings
✅ Modern tech for a streamlined process
✅ Licensed loan officers by your side

Ready to save time and money on your home loan? Let’s make it happen! 🏡💰

Cody Clark - Mortgage Loan Originator
NMLS # 2579424
(360) 316-1446
[email protected]
Serving communities in WA, OR, AZ, and TX

”

12/04/2024

🎶 Rockin’ around the interest rate tree… 🎶 It is the season to lock in a great rate and make your homeownership dreams a reality! 🏡✨ Whether you are ready to buy or just starting to think about it, now is the perfect time to take action. Do not let these rates slip away like holiday treats! 🍪🎄 Lets find you the perfect home before the year ends! 🎅🎁

Cody Clark - Mortgage Loan Originator
NMLS # 2579424
(360) 316-1446
[email protected]
Serving communities in WA, OR, AZ, and TX

11/28/2024

🦃 Happy Thanksgiving! 🍂 As a mortgage loan originator, I have so much to be grateful for this year: 1️⃣ The opportunity to help families achieve their dreams of homeownership 🏡 2️⃣ Working with amazing clients who trust me with their biggest financial decisions 💼 3️⃣ Collaborating with real estate partners who share the same dedication to service 🤝 4️⃣ Being able to make a positive impact in our community by helping people find their homes 🏠 Wishing you all a wonderful holiday filled with gratitude and joy. What are you grateful for this year? 🙏🍁

Cody Clark - Mortgage Loan Originator
NMLS # 2579424
(360) 316-1446
[email protected]
Serving communities in WA, OR, AZ, and TX

11/27/2024

Happy FIRST TIME Homeowner alert 🚨! Just closed and funded on this beautiful property. Congratulations to my clients on this exciting new chapter🥳.

Ready to make YOUR homeownership dreams a reality? Let’s chat🏡🔑!

Cody Clark - Mortgage Loan Originator
NMLS # 2579424
(360) 316-1446
[email protected]
Serving Communities in WA🌲OR🌊 AZ🌵 TX🇨🇱

11/26/2024

Buying a home that needs a little TLC? There are financing options designed just for that! Here are a few loan options to consider: 1️⃣ FHA 203(k) Loan: Finance both the purchase and renovation costs in one loan! 💸🔧 2️⃣ Fannie Mae HomeStyle® Renovation Loan: Flexibility to fund major renovations with a conventional loan. 🛠️🏡 3️⃣ VA Renovation Loan: For veterans, this loan covers both the cost of the home and repairs. 🇺🇸🔨 4️⃣ Conventional Loan with a Renovation Add-on: Use your conventional loan for the home, and add a renovation line of credit. 🏠💵 Ready to make your dream home a reality? 📲

Cody Clark - Mortgage Loan Originator
NMLS # 2579424
(360) 316-1446
[email protected]

Address

Port Townsend, WA

Telephone

+13603161446

Website

https://canopymortgage.com/lo/CodyClark/, https://dot.cards/codyclarkmlo

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