Why Long-Term Homeowners Are Watching Washington Right Now: The Capital Gains Conversation You Need to Hear

Why Long-Term Homeowners Are Watching Washington Right Now: The Capital Gains Conversation You Need to Hear

The home sale capital gains exclusion has not been updated since 1997 and it is keeping long-term owners locked in place. John Fricke explains what is being debated in Washington and what homeowners w... ...more

Mortgage

March 16, 2026•6 min read

Are We Finally in a Buyer's Market? What the Numbers Are Not Showing You

Are We Finally in a Buyer's Market? What the Numbers Are Not Showing You

Inventory is up and homes are sitting longer but prices are not falling the way the data suggests they should. John Fricke breaks down what is really driving today's housing market and where prepared ... ...more

Mortgage

March 16, 2026•5 min read

The Fed Did Not Raise Rates, So Why Did Mortgage Rates Jump?

The Fed Did Not Raise Rates, So Why Did Mortgage Rates Jump?

Mortgage rates can rise even when the Fed holds steady. Learn how bond markets, the 10-year Treasury yield, and expectations move rates, plus what buyers should watch. ...more

Mortgage

February 27, 2026•2 min read

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

Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act

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.

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

Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act

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.

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Terms of Use: canopymortgage.com/terms-of-use


All loans subject to credit and property approval

Consumers wishing to file a complaint against a banker or a residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.