Canopy Mortgage - IL, IN + MI

Canopy Mortgage -  IL, IN + MI Lower Rates. Better Tech. Real People. We've Got You Covered. Making Home Loans Easy, Fast, Affordable. Equal Housing Lender. Company NMLS 1359687

James K Barath, CMA
Branch Manager | MLO
Certified Mortgage Advisor
Home Loans by The Barath Group
powered by Canopy Mortgage, LLC
1805 E Lincolnway, Ste 6, Valparaiso, IN 46383
877-787-1003 x210 | 888-797-9062 Fax


Compliance Disclosures:
Canopy Mortgage, LLC is an Equal Housing Lender
Canopy Mortgage NMLS # 1359687 (https://nmlsconsumeraccess.org)
Canopy Mortgage State Licenses: https://canopym

ortgage.com/state-licenses
Canopy Mortgage Privacy Policy: https://canopymortgage.com/privacy-policy
Canopy Mortgage Terms of Service: https://canopymortgage.com/terms-of-use
Canopy Mortgage Website: https://canopymortgage.com/lo/jamesbarath

Individual NMLS 124492 (https://barath.pro/nmls)
Individual State Licenses: Illinois (IL MLO 031.0023291); Indiana (IN-DFI MLO 13591); Michigan (MI MLO 124492)


Loan Program Disclaimer:
All loans subject to credit, property and underwriting approval. Not all applicants will be approved for financing.

If you're curious, check this out...71% of homeowners say their insurance costs have gone up over the past few years.And...
07/30/2026

If you're curious, check this out...

71% of homeowners say their insurance costs have gone up over the past few years.

And if you're buying a home, that's worth knowing – but it shouldn't scare you away from your plans.

Yes, affordability is still tight. But you can't control every cost that comes with buying a home. You can only control how prepared you are.

And in a market like this, one of the smartest things you can do is get an insurance quote before you make an offer. It'll give you a clearer picture of what your monthly housing costs will look like, help you build a more realistic budget, and keep you from being surprised after closing.

Buying a home is a big decision. The more you know before you buy, the more confident you'll feel when it's time to make your move.

Want more advice or have a question? DM me.

Want to talk about how this impacts you and your situation? Call or Text: 877-822-7284

07/30/2026

If you're curious, check this out...

8 Homes Sell Every Minute

Think no one’s buying right now? Think again. Just over 4 million homes are expected to sell this year. Do some math and that's roughly 8 every single minute. Let's make sure yours is one of them. Send me a message to get started.

Want to talk about how this impacts you and your situation? Call or Text: 877-822-7284

If you're curious, check this out...Buying a Home? Here's What You Should Know About Home Insurance Costs.Homeowners ins...
07/30/2026

If you're curious, check this out...

Buying a Home? Here's What You Should Know About Home Insurance Costs.

Homeowners insurance has become a bigger part of the homebuying conversation. But it doesn't have to become a bigger source of stress.

The key is knowing what to expect before you buy. Get an insurance quote early, factor it into your budget, and lean on trusted local professionals to help you make the most informed decision possible.

Want to talk about how this affects you and your situation? Call or Text: 877-822-7284

If buying a home is on your radar, you've probably been keeping an eye on mortgage rates and home prices. But don’t forget about homeowners insurance.

If you're curious, check this out...Did home prices just hit a turning point? Even though all the headlines out there ma...
07/29/2026

If you're curious, check this out...

Did home prices just hit a turning point?

Even though all the headlines out there make it sound like prices are crashing, here’s what the data really says.

Yes, price growth cooled from around 7% in mid-2024 to closer to 3% today. But that’s not a crash. It’s just a slowdown.

And if you look at the right side of this graph, it seems like price growth may have hit its low point and started to turn.

Now, two months of data doesn’t necessarily make a trend. But a few things back this up.

Compared to earlier this year, fewer markets are seeing price declines right now. And, forecasts call for price growth to pick up a bit before end of year.

Whether you’re buying or selling, I want you to have breaking info like this as soon as I have it – especially when it looks like something is changing.

DM me "PRICES" and I'll show...

Want to talk about how this impacts you and your situation? Call or Text: 877-822-7284

If you're curious, check this out...Home Price Growth Slowed Down. That May Be Changing.Home price growth slowed way dow...
07/29/2026

If you're curious, check this out...

Home Price Growth Slowed Down. That May Be Changing.

Home price growth slowed way down, and now it's showing early signs of picking back up. Whether you're buying or selling, let's connect so you can see exactly what prices are doing in our local market and what that means for your plans.

Want to talk about how this affects you and your situation? Call or Text: 877-822-7284

After more than a year of headlines talking about how home prices are going to crash, the latest data shows that price growth may be starting to pick back up again.

If you're curious, check this out...Putting off selling because it feels like the market’s at a standstill and no one’s ...
07/28/2026

If you're curious, check this out...

Putting off selling because it feels like the market’s at a standstill and no one’s buying right now?

Sure, the pace has cooled in some areas recently. But houses are still selling all the time. In fact, more than 4 million will sell this year.

Do a little math, and that works out to over 11k sold every day, almost 470 an hour, and about eight every minute.

So, don’t count your house out. Another home just sold as you were reading this – let’s make the next one yours.

Want to talk about how this impacts you and your situation? Call or Text: 877-822-7284

If you're curious, check this out...You have a serious edge if you’re selling a luxury house right now. Sale prices for ...
07/27/2026

If you're curious, check this out...

You have a serious edge if you’re selling a luxury house right now.

Sale prices for luxury homes have gone up about three times faster than the rest of the housing market.

That’s because buyer demand is surprisingly strong for high-end homes. So, while most tiers are cooling off, luxury stayed hot this Summer.

And that means you’re in a good position to get the most possible from your sale.

Ready to cash out at the top? Let’s talk strategy.

Want to talk about how this impacts you and your situation? Call or Text: 877-822-7284

If you're curious, check this out...Selling a Luxury House? Here’s Why Now Is a Good TimeSelling a high-end house is a b...
07/27/2026

If you're curious, check this out...

Selling a Luxury House? Here’s Why Now Is a Good Time

Selling a high-end house is a big decision, and you deserve to feel confident going in. With sale prices climbing and buyers active at the top, this is a strong window to make your move.
Ready to cash in? Let’s talk strategy.

Want to talk about how this affects you and your situation? Call or Text: 877-822-7284

If you own a luxury house, you're in a stronger spot than most sellers right now. While much of the market has cooled, the high-end tier hasn't.

If you're curious, check this out...For most people, their first house was never meant to be their forever home. It was ...
07/23/2026

If you're curious, check this out...

For most people, their first house was never meant to be their forever home. It was meant to be a stepping stone to whatever came next.
And today's market is creating an interesting opportunity for homeowners who are ready to move up.
Starter homes are still in short supply, which means the house you're selling may be exactly what another buyer has been hoping to find.
At the same time, there are more move-up homes on the market than buyers have had to choose from in years.
Throw in the equity you've likely built over the years, and moving up may be more realistic than you think.
If your current home no longer fits your life, let's talk about what your next chapter could look like.

Want to talk about how this impacts you and your situation? Call or Text: 877-822-7284

07/23/2026

If you're curious, check this out...

Why a Slight Rise in Foreclosures Doesn’t Signal Another Crash

The foreclosure headlines may sound alarming. Here’s why you shouldn’t panic. Far fewer homes are starting the foreclosure process today compared to 2008. So, even with the recent uptick, foreclosure starts are down about 82% from where they were in 2008. And that means we’re a long way from crash territory. Have questions about what you’re seeing on social media or in the headlines? Let’s connect.

Want to talk about how this impacts you and your situation? Call or Text: 877-822-7284

Address

1805 E Lincolnway, Ste 6
Valparaiso, IN
46383

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18777871003

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