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Streamlined technology to make your life easy
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Are you a Loan Officer? See how Canopy will make your life better
Pay off your mortgage fast — in as little as 5–7 years
Rapid Repay is Canopy Mortgage's revolutionary home financing program. Using smart interest strategies, you can save $200,000+ in interest and own your home free and clear decades sooner.
Real Canopy Customers, Real Results
Hear from homeowners who used Rapid Repay to eliminate their mortgage years ahead of schedule.
"I honestly didn't believe it was possible. From where I was with a 30-year mortgage to being completely paid off — Rapid Repay changed everything for my family."
"Our income went up and with the Rapid Repay strategy we paid off our $310,000 home in under 4 years. Best financial decision we ever made."
"Once Canopy set it up we just watched the balance drop every month. Fast, easy, and the team was with us every step of the way."
Welcome to Rapid Repay by Canopy Mortgage
Our mission is simple: help you become mortgage-free faster using cutting-edge financial strategies — without complicated spreadsheets or major lifestyle changes. Canopy built Rapid Repay to combine modern loan technology with proven interest-reduction tactics.
There's a smarter way to pay off your home
See how Rapid Repay stacks up against a traditional 30-year mortgage on a typical home purchase.
| Traditional Mortgage | Rapid Repay | |
|---|---|---|
| Home Price | $360,000 | $360,000 |
| Loan Term | 30 Years | 5–7 Years ✓ |
| Total Interest Paid | $290,147 | ~$71,539 ✓ |
| Interest Savings | — | $218,608+ ✓ |
| Payoff Date | 2055 | 2031 ✓ |
| Interest Method | Front-Loaded Amortization | Average Daily Balance ✓ |
| Integrated Checking | No | Yes ✓ |
| Lifestyle Changes Required | Major | Minimal ✓ |
*Figures are illustrative simulations based on example loan scenarios. Individual results will vary based on your financial circumstances.
Key Features of the Rapid Repay Program
Every feature is designed to work together — automatically — so you can accelerate payoff without constant attention.
Integrated Checking with Sweep
Every dollar deposited automatically works to reduce your principal balance, saving you interest from day one.
Debit Cards, Checks & Bill Pay
Pay everyday expenses with familiar tools — no lifestyle overhaul required. Fewer changes, better results.
Automatic Payments
Available equity automatically covers interest each month, keeping your loan in good standing effortlessly.
Average Daily Balance Interest
Unlike traditional mortgages, interest is computed on your average daily balance — so every dollar in saves you money.
Interest-Only Option
Maximum cash flow flexibility during the draw period, giving you room to breathe when you need it most.
Canopy-Serviced Loan
Your loan stays with Canopy Mortgage for consistent, expert support from the same team that originated it.
How to Get Started with Rapid Repay
Five simple steps stand between you and a mortgage-free life decades sooner.
Get Started Online
Fill out Canopy's simple intake form. No commitment, no hard credit pull — just tell us about your situation.
Loan Officer Match
We connect you with a Canopy Rapid Repay specialist who will walk you through your options and savings projection.
Submit Your Application
Upload documents from your phone, tablet, or computer. Track your loan progress in real time, 24/7.
Loan Review & Approval
Your Canopy loan officer reviews everything and keeps you informed at every stage — no surprises.
Close & Start Repaying Rapidly
Welcome to financial freedom. Your Rapid Repay account is activated and your payoff clock starts ticking down.
Run your free Rapid Repay simulation
See exactly how much interest you'd save and how fast you could be mortgage-free. No obligation. No hard credit pull. Just real numbers for your situation.
NMLS #1359687 · Equal Housing Lender · All loans subject to credit and property approval
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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