Stop Waiting on Rates and Start Using the Negotiating Power Buyers Have Right Now in This Market

Stop Waiting on Rates and Start Using the Negotiating Power Buyers Have Right Now in This Market

Bob Schildt
Published on: 24/07/2026

Higher for longer after June Fed meeting. Bob Schildt explains why buying now with leverage makes sense.

mortgage
New Credit Scoring Models Are Now Allowed for Mortgages and Here Is What Buyers Need to Know

New Credit Scoring Models Are Now Allowed for Mortgages and Here Is What Buyers Need to Know

Bob Schildt
Published on: 24/07/2026

VantageScore 4.0 counts rent and utility payments. Bob Schildt explains who benefits and by how much.

mortgage
Should You Take an ARM to Save Money Upfront and Here Is the Honest Answer Before You Sign

Should You Take an ARM to Save Money Upfront and Here Is the Honest Answer Before You Sign

Bob Schildt
Published on: 26/06/2026

Lower payment now, risk later. Bob Schildt explains when ARMs make sense and when they do not.

mortgage
A Price Cut Does Not Mean Every Listing Can Be Lowballed and Here Is Where Real Leverage Actually Is

A Price Cut Does Not Mean Every Listing Can Be Lowballed and Here Is Where Real Leverage Actually Is

Bob Schildt
Published on: 26/06/2026

Not every cut means lowball room. Bob Schildt explains where real negotiating leverage actually is now.

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Canopy Mortgage, LLC | 360 Technology Court, Suite 200 Lindon, UT 84042 | 877-426-5500 | NMLS Consumer Access #:

1359687. All loans subject to credit and property approval. Our privacy policy is here and our terms of use are here. State License Data: Here