David Roy - Canyon Mortgage

David Roy - Canyon Mortgage With nearly eight years in real estate, David is more than a broker to his clients. Subscribe to our newsletter! subscribepage.io/CElu6p

His honesty, ethical approach, professionalism, and friendly nature have made him beloved by his clients.

Mortgage rates dropped.So why didn’t your mortgage payment?Because your existing mortgage doesn’t automatically adjust w...
09/18/2026

Mortgage rates dropped.

So why didn’t your mortgage payment?

Because your existing mortgage doesn’t automatically adjust when market rates change.

If you locked in your home loan when rates were higher, you’ll generally keep that rate unless you refinance or otherwise change the loan.

But a lower rate alone doesn’t mean refinancing is automatically the right move.

Look at the potential monthly savings.

Look at the closing costs.

Look at your break-even point.

Then decide if a mortgage refinance actually makes sense.

Watching mortgage rates is one thing. Knowing your options is another.

Everyone talks about today’s mortgage rates.But there’s one rate that matters more.Yours.If you bought or refinanced whe...
09/17/2026

Everyone talks about today’s mortgage rates.

But there’s one rate that matters more.

Yours.

If you bought or refinanced when mortgage rates were higher, it may be worth comparing your current loan with today’s refinance options.

Could you lower your monthly mortgage payment?

Could different loan terms make more sense?

Would the potential savings outweigh the closing costs?

You won’t know by simply watching rates.

You have to run your numbers.

Know your rate. Compare your options. Make the decision that makes sense for you.

A lower mortgage rate sounds like an automatic win.But not every lower rate means refinancing makes sense.Before refinan...
09/14/2026

A lower mortgage rate sounds like an automatic win.

But not every lower rate means refinancing makes sense.

Before refinancing your mortgage, look at the full picture.

How much will you actually save each month?

What are the closing costs?

How long will it take to break even?

And how will the new loan term affect your long-term cost?

A good refinance isn’t just about getting a lower interest rate.

It’s about whether the numbers actually work in your favor.

Don’t chase the rate. Run the numbers.

The mortgage you got years ago was based on your situation then.But things change.Your home value may be higher.Your equ...
09/11/2026

The mortgage you got years ago was based on your situation then.

But things change.

Your home value may be higher.

Your equity may have grown.

Your financial goals may be different.

And mortgage refinance options may have changed too.

That doesn’t mean you should automatically refinance your home loan.

It means your current mortgage is worth reviewing to see if it still makes sense for you today.

A mortgage review could uncover opportunities for a lower payment, different loan term, or access to home equity.

Your home stayed the same. Your mortgage options may not have.

When was the last time you reviewed your mortgage?Most homeowners know their monthly mortgage payment.But many don’t kno...
09/09/2026

When was the last time you reviewed your mortgage?

Most homeowners know their monthly mortgage payment.

But many don’t know their current loan balance, interest rate, or how much home equity they’ve built.

Your home value may have increased.

Your loan balance may have decreased.

And today’s mortgage and refinance options may be different from when you originally bought your home.

That doesn’t automatically mean refinancing is the right move.

But a mortgage review can help you understand where you stand and whether better options are available.

Know your numbers. Know your mortgage options.

Most homeowners remember the rate they got when they bought their home.But when was the last time you actually looked at...
09/07/2026

Most homeowners remember the rate they got when they bought their home.

But when was the last time you actually looked at your mortgage?

A lot can change over a few years.

Your income can change.

Your home value can change.

The market can change.

Your financial goals can change.

But your mortgage doesn’t automatically change with any of them.

That doesn’t mean refinancing is always the answer.

It just means your mortgage is worth reviewing once in a while.

Sometimes the numbers make sense.

Sometimes they don’t.

But knowing where you stand is never a bad move.

Buying a home is exciting. Understanding the mortgage process shouldn't be overwhelming.Every homebuyer's situation is d...
08/07/2026

Buying a home is exciting.

Understanding the mortgage process shouldn't be overwhelming.

Every homebuyer's situation is different, but the right guidance can make the journey much smoother.

I'll help you:
- Find the loan program that fits your goals
- Understand each step before it happens
- Stay informed from application to closing

No guesswork. Just clear answers and a plan that works for you.

Thinking about buying a home? Let's talk.

Buying a home is a big milestone.For most people, it's also the first time they've ever gone through the mortgage proces...
08/05/2026

Buying a home is a big milestone.

For most people, it's also the first time they've ever gone through the mortgage process.

That's why it can feel overwhelming. New terms, paperwork, deadlines, and a lot of unanswered questions.

The good news is that the process isn't as complicated as it seems once you understand the steps.

Knowing what comes next helps you prepare, avoid unnecessary stress, and make better decisions along the way.

Whether you're buying this year or just starting to think about it, learning the process today can make the journey a whole lot easier tomorrow.

Every confident buyer starts here.

Buying a home is a big step.For many people, it's their first mortgage.That's why it can feel overwhelming.There are new...
08/03/2026

Buying a home is a big step.

For many people, it's their first mortgage.

That's why it can feel overwhelming.

There are new terms.

New paperwork.
And a lot of moving parts.

But the process isn't as complicated as it seems.

Once you understand the steps, everything starts to make sense.

A little knowledge today can save a lot of stress tomorrow.

Know the process. Buy with confidence.

Buying a home starts with knowing what the numbers look like before you fall in love with a property.A free mortgage rev...
07/31/2026

Buying a home starts with knowing what the numbers look like before you fall in love with a property.

A free mortgage review can help you understand your buying power, compare loan options, and get pre-approved with a clear plan.

Planning to buy this August? Let’s get you ready before the open houses begin.

Call Today!
(646) 641-0924

Address

2001 Marcus Avenue
New Hyde Park, NY
11041

Opening Hours

Monday 10am - 9pm
Tuesday 10am - 9pm
Wednesday 10am - 9pm
Thursday 10am - 9pm
Friday 10am - 9pm
Saturday 10am - 5pm
Sunday 10am - 5pm

Telephone

+16466410924

Website

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