Kenn Bartley

Kenn Bartley Mortgage Originator since 1992! Experience Counts! I love helping people finance their homes and Welcome and thank you for visiting my Facebook business page!

My team is committed to helping you and your referrals with mortgage financing that fits your specific situation. Canopy Mortgage is a retail mortgage bank with over 30 lender relationships – not just one like a commercial bank – to help get you the right loan, at the right rate, with the right terms! Our mission is to deliver the ultimate home loan experience to every customer, every time! Thank you for the opportunity to help you with your mortgage needs. Kenn Bartley | Senior Loan Officer | NMLS 114626 | Canopy Mortgage, LLC | 360 Technology Court, Suite 200 Lindon, UT 84042 | 855-660-0003 | NMLS 1359687 | Consumer Access Link: www.nmlsconsumeraccess.org | Equal Housing Opportunity

09/23/2026

Hi Kenn Bartley from Canopy Mortgage. The Federal Reserve raised their bank-to-bank overnight rate by a quarter percent last week and I know buyers and Realtors are asking the same question: what does this mean for mortgage rates?

Here is the biggest misconception worth clearing up. When the Fed changes rates mortgage rates do not automatically move by the same amount. That is simply not how it works. Conventional mortgage rates are influenced more by long-term market factors including inflation expectations and the bond market. The bond market is the big one.

The positive takeaway is that the Fed's actions are designed to create more stability in the economy and bring inflation under control over time. If investors gain more confidence that inflation is improving that creates a healthier environment for mortgage rates to follow.

For buyers this is a great reminder that the goal is not always to wait for the perfect market moment. The right strategy is understanding your options, negotiating wisely, and making a decision based on your personal goals.

For Realtors this is your opportunity to educate your clients, cut through the noise, and become the trusted advisor they need when headlines create uncertainty. The agents who bring clarity and confidence right now are the ones who build stronger relationships and grow their business long term.

To see live rates 24 hours a day 7 days a week visit kennbartley.com and input your specific purchase or refinance scenario.

Kenn Bartley, Canopy Mortgage.

09/07/2026

Kenn Bartley here from Canopy Mortgage. Happy Labor Day!

Labor Day is Monday September 7th. Football is underway, kids are back in school, and summer is unofficially over. But let's talk about what Labor Day is actually about: labor.

I have had a lot of different jobs in my life and a few of them could have qualified for the Dirty Jobs TV show.

When I was about 18 I was taking time off from college and working for a remodeling contractor on the Oregon Coast. I would take just about any job I could find to pay rent, buy groceries, and save enough to get back to school.

One winter we were working on a large cabin by a lake. The ground beneath the cabin had to be lowered to bring the structure up to code.

Guess who got that job.

I spent my days crawling underneath that cabin with spiders, mice, bugs, and in true Oregon Coast fashion plenty of mud. I would scoop dirt into a bucket we had reshaped into a sled. A helper outside would pull it out, dump it, and send it back. Then I would fill it up again.

Back and forth. Bucket after bucket. All day long for several weeks.

Now that was labor.

I have never forgotten it. Hard work builds character. Every job I have ever had taught me something and that one taught me more than most.

Labor Day is meant to recognize everyone who works hard and keeps our country moving. It is also a reminder to take the day off when you can.

And to everyone who has to work on Labor Day or any holiday: thank you. While the rest of us are relaxing you are keeping things running.

Now I want to hear from you. What was the dirtiest, hardest, or strangest job you ever had? Tell us in the comments.

Have a safe, relaxing, and well-earned Labor Day holiday.

Kenn Bartley, Canopy Mortgage. KennBartley.com.

08/26/2026

Hi, Kenn Bartley from Canopy Mortgage here. Football season is almost here, summer is winding down, and as usual there is plenty of talk about what the Federal Reserve may do next.

But when it comes to mortgage rates, the Fed is only part of the story.

Mortgage rates are heavily influenced by the bond market. Investors are watching inflation, government spending, employment data, and the overall direction of the economy. When long-term bond yields move higher mortgage rates generally feel upward pressure. When the bond market improves rates have room to move lower.

So what does that mean if you are thinking about buying a home?

I have never been a big believer in waiting for the perfect rate or trying to outguess the market. Things can change quickly and usually before the headlines explain why. By the time the news tells you it is a good time to buy the opportunity has often already moved.

The better strategy is to understand your options, know what your actual monthly payment would look like, and make a decision based on your own goals and your own circumstances rather than a rate prediction.

For my Realtor partners this is also an opportunity to help buyers understand what is happening beyond the headlines. An informed buyer is almost always a more confident buyer. And a confident buyer is one who can actually make a decision when the right house shows up.

If you have questions about mortgage rates or whether now might be the right time for your specific situation I am always happy to have that conversation.

And if you want to see current mortgage rates for your situation anytime day or night you can find live rates at KennBartley.com.

Now get out there and enjoy the last few weeks of summer.

08/21/2026

Some encouraging economic news came out this week and it is worth understanding what it means for real estate right now.

Both consumer and wholesale inflation showed signs of cooling this week. Here is why that matters. Lower inflation can reduce pressure on the bond market and help create a more favorable environment for mortgage rates over time. Rates are also influenced by employment data, Federal Reserve expectations, and other economic developments so no single data point tells the whole story. But cooling inflation is a constructive signal worth paying attention to.

At the same time buyers in many markets have more negotiating power than they realize right now.

More homes are available than we have seen in years. Some sellers are actively reducing their prices. And buyers may be able to negotiate closing cost assistance or a temporary rate buydown that meaningfully changes the payment picture without waiting for rates to move on their own.

The takeaway is not to wait for the perfect rate or try to time the market. It is to understand the real opportunities that exist right now and position yourself to take advantage of them.

If you stepped away from the market at some point this year this may be a good time to reconnect, update your numbers, and see what may actually be possible for you today.

Reach out and let's take a fresh look at where things stand.

Great to see Canopy Mortgage leaders Ben Brown, McKay Shoell, and Josh Nuemarker in town for a visit with the Las Vegas ...
08/13/2026

Great to see Canopy Mortgage leaders Ben Brown, McKay Shoell, and Josh Nuemarker in town for a visit with the Las Vegas teams and Originator Connect!

08/11/2026

Thinking about making a move but feeling unsure about the headlines? Here is the good news you actually need to hear about today's housing market.

First, if you already own a home your equity is stronger than ever. Home values have recently risen in 80 percent of US markets. Your investment is safe and it is growing. The wealth you have been building through homeownership is real and it is at or near record levels for most homeowners.

Second, if you are looking to buy the news is genuinely encouraging. Inventory is finally expanding. More homes on the market means more choices for you, fewer bidding wars, and a real opportunity to negotiate better terms than buyers have had in years. The frenzy of the past few years has calmed down and the market has become one that rewards prepared buyers rather than just the fastest ones.

And finally the market is predictable again. Experts broadly agree that a crash is not on the horizon. The structural conditions that support home values, strong equity positions, low foreclosure rates, and persistent housing demand, remain intact.

Whether you want to cash in on your record-high equity or find your dream home with less competition than you have seen in years, I can help you navigate it.

Send me a message today and let's talk about your goals.

08/07/2026

The Federal Reserve met on July 29th and as expected decided to leave interest rates unchanged. And right on cue the question I am getting from buyers is does that mean mortgage rates are coming down now?

Here is the honest answer: not necessarily. And understanding why matters for anyone trying to make a smart decision about buying or refinancing right now.

Mortgage rates are not directly controlled by the Federal Reserve. They are influenced by a combination of factors including bond market movement, inflation expectations, and the overall health of the economy. The Fed's decision to hold rates steady is one input among many and the mortgage market frequently prices in expected Fed decisions well before the meeting even happens.

That is why you can sometimes see mortgage rates move in the opposite direction of what you might expect from a Fed announcement. The market is always looking ahead.

Here is what I am seeing on the ground right now. Buyers are continuing to move forward. They are not waiting for a perfect rate environment because many of them understand that waiting for perfect can mean missing out on equity, appreciation, and the stability that comes with owning your own home.

If you or someone you know has been sitting on the sidelines waiting to time the market perfectly it may be worth having a real conversation about your options. Every situation is different. Having a clear plan based on your specific goals and financial picture is what actually helps you make the best decision for you and your family.

Reach out anytime. I am happy to walk through your situation together.

07/29/2026

Should you buy now or keep waiting for rates to come down? Here is the question that actually matters.

After the Fed's June meeting rates ticked up and the signal is higher for longer. So instead of trying to guess where rates go next, focus on something you can actually control: your negotiating power.

Here is the good news. Cooler competition means today's buyers often have real leverage to ask for price reductions, closing cost credits, and rate buydowns that simply were not on the table a couple of years ago. You lock in the right home and a strong deal now and refinance the rate later when the market shifts in your favor.

Let me put real numbers on this because the math tells the actual story.

Say you buy today with a $500,000 loan. Your payment lands around $3,400 per month. Now imagine you wait a year and rates drop about 1 percent. That drop does exactly what everyone expects: it pulls buyers off the sidelines, demand jumps, and prices climb. The same home now costs $50,000 more so you are taking out a $550,000 loan. Even with that lower rate your payment comes out to roughly $3,370 per month.

You waited a full year. You took on $50,000 more in loan balance. And you saved about $30 per month.

That is the trap. The rate got better but the higher price ate almost all of your savings. And now you are paying interest on a bigger balance for the next 30 years.

Waiting if you do not need to buy may be perfectly fine. But if you are going to buy anyway, buying now with strong negotiating power may be the smarter financial move.

Reach out and let's run the numbers for your specific situation.

07/24/2026

Higher mortgage rates have slowed some activity in the housing market. But that does not mean opportunity has disappeared. Not even close.

A slower market creates conditions that simply did not exist during peak competition. Less competition from other buyers means your offer is not going up against five others the same day. More time to make decisions means you are not pressured into waiving inspections or making choices you will regret. And greater flexibility when negotiating with sellers means terms, credits, and concessions that were off the table entirely twelve months ago are now genuinely available.

The key is focusing on what is actually happening in your local market rather than reacting to national headlines that may have nothing to do with the specific neighborhood or price range you are targeting.

On the lifestyle side there is an important trend worth knowing about. A recent National Association of Realtors survey found that 89 percent of people value sidewalks and places to walk and 63 percent said they would pay more to live near parks, shops, and restaurants. For agents that means highlighting the lifestyle around a property can be just as powerful as promoting the home itself. The walkability and community context of a listing is increasingly a deciding factor for buyers.

If you have buyers who want to review their options in today's market send me a message. The opportunity is there for the buyers who are paying attention and prepared to act.

07/06/2026

There are some big national housing headlines worth paying attention to right now and I want to break them down clearly so you know exactly what they mean for buyers and sellers in today's market.

Mortgage rates are still being impacted by inflation concerns and global events, especially with ongoing conflict overseas creating uncertainty. But here is the good news: rates have been more stable recently and that stability gives buyers a significantly better chance to plan, budget, and move forward with confidence rather than trying to hit a moving target every week.

We are also seeing positive housing policy updates including FHA changes designed to reduce costs and make financing more efficient for buyers who use government-backed loan programs. That is a real and tangible improvement in the affordability picture for a meaningful segment of buyers.

And on the seller side, something important is shifting. Sellers are starting to become more realistic about pricing, which could create genuine opportunities for buyers who paused earlier this year and have been waiting for conditions to improve. This is the market shift those buyers were hoping for.

So if you have clients sitting on the sidelines right now this may be exactly the right time to reconnect, revisit their numbers, and see what options are available to them in today's environment.

First step: get pre-approved. Not pre-qualified. Pre-approved by underwriting. There is a significant difference and it matters when you are ready to make an offer. I can get that done in two business days or less.

Call me. Let's go.

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North Las Vegas, NV
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