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Home Loan Service

Made for today's "No Bull", "Give it to Me Straight" home loan shopper

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Whether Purchasing or Refinancing, take the GUESSING out of what your rate and payment will be on your home loan. We make it easy!

We Put the Power of Shopping for a Home Loan in your Hands

Reverse Mortgage and Construction

Purchase, Rate/Term Refinance, Cash-Out Refinance, Debt Consolidation, Home Renovation

Primary Residence, Second Home, Investment Property, FHA, Conventional, VA, USDA

Zero Down loans, Jumbo loans, Self-Employed loans

Here’s how it works:

Get your REAL-TIME quote in seconds

  • No personal info required for quote
  • See ALL costs including third-party fees
  • Compare multiple options at once
  • Lock your rate online
Get your REAL-TIME quote in seconds

To Get Started:

  1. To get started, click on “Get your Quote Now” below
  2. Click on Purchase or Refinance and put in your scenario
  3. Click “Get Rates”
  4. Choose your program and rate
  5. If you are ready to get started, complete the application. It’s that easy! Now you see why we “Crush the Mortgage Competition!”
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See what our customers say about us!


“John is awesome! This is our second time working with him. He made the process just as easy as If we were doing buying our first home. We would highly recommend him and he will respond back extremely quickly to any questions you may have. Thank you John for being so quick and awesome.”

– Addison Camomile


“John is always great to work with. He is very friendly and knowledgeable. He works hard and works fast. I was surprised to get a response to an email at 9pm one night. That is just one example of his work ethic. To date he has been my go-to for 2 home loans and a refi. He will definitely have my business for the next purchase.”

– Paul B.


“We had a great experience financing our 1st and 2nd home with John. Each time went smoothly. He is very easy to work with . He keeps you informed and updated throughout the process! We would never go any where else!!”

– Tina Stewart


“John is amazing at what he does!!! I know he will always do what he says he will do. I trust him completely and know if my loan is in his hands I don’t need to worry. I would recommend him to anyone wanting a home loan or refinance!!!”

– Stormy Henderson


“Amazing experience purchasing our first home with John’s help! He was responsive, knowledgeable and made the whole process run smoothly. We couldn’t recommend him enough!”

– Acacia Cox

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Expert Advice is Just a Click Away

Let's get your questions answered so you can get the loan you want.

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Meet John, Home Loan Expert with 16+ Years of Experience

Loan Issues? We Can Help!

Zero Down Loans

Looking for a Zero Down Loan? You came to the right place! We specialize in these loans too!

  • We can get you in your home with a credit score as low as 620.
  • Income limits apply depending on loan program.
  • Down payment assistance programs
  • Forgivable grants
  • First-time home buyer OK
  • Non first-time home buyer OK
  • Excellent credit OK
  • Derogatory credit OK
  • USDA / Rural Housing
  • VA

Low Down Payment Loans

  • Credit score down to 580 with a 3.5% down payment
  • As little as 3% down payment for Conventional
  • As little as 3.5% down payment for FHA
  • Reduced mortgage insurance options
  • First-time home buyer OK
  • Non first-time home buyer OK
  • Excellent credit OK
  • Derogatory credit OK
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Bankruptcy, Short Sale & Foreclosure ›


Experienced Home Loan Services in Suite 200 Lindon, UT

It's a jungle out there - let us help you navigate it!

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John Fricke, Principal Lending Manager/Loan Officer
NMLS 213589 l Canopy Mortgage LLC l NMLS 1359687

Canopy Mortgage is not an agency of the federal government, and is not acting at the direction of HUD/FHA. Additional program restrictions may apply. Programs, rates, terms and restrictions subject to change without notice. Underwriting terms and conditions apply.

Canopy Privacy Policy

At Canopy Mortgage, we take seriously the confidence that our customers entrust to us. Protecting our customers’ privacy is a key priority. As a result, we have adopted the following privacy principles: We recognize and respect the privacy expectations of our customers as well as the need to collect and use customer information in an appropriate and responsible manner. We collect, retain and use information about individual customers (as allowed by law) only when we believe it to be useful to our business operations or to provide products, services and other opportunities to our customers. We seek to ensure that a customer’s financial information is accurate, current and complete. We have procedures in place to respond to requests to correct inaccurate information in a timely manner. Our employees have access to personally identifiable customer information only if they have a business reason for knowing such information. The importance of confidentiality and customer privacy is emphasized to our employees and appropriate disciplinary measures are taken to enforce employee privacy responsibilities. We maintain security standards and procedures regarding unauthorized access to customer information. We do not share personally identifiable customer information with unaffiliated third parties except as necessary to operate our business, comply with applicable laws and regulations or make available products, services and other opportunities to our customers. If we share personally identifiable customer information with an unaffiliated third party as part of our business operations, we require the third party to maintain the confidentiality of the customer information. We appreciate your business and look forward to continuing to provide you with the finest financial products and services available. If you have questions about these privacy principles or your account, please call 877-905-0005. Information for CA Residents.

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