• Buy a Home

    Full Application:

    Best for those who have found a property or want to submit a full application for the most thorough review.

  • Refinance

    Full Application:

    Ready to take advantage of today's low rates? Get started on your refinance loan application here:



What people are saying about

  • "Thank you for your connection and your thorough knowledge you provided through this wonderful process. We appreciate the connection we’ve made and for your genuine care for our success in this journey. Thank you, thank you for everything!"

    —Nau Family

  • "Our experience with Canopy Mortgage has been amazing. Frank and Chris did an excellent job and far exceeded our expectations throughout the entire process. We definitely will be spreading the news and returning for future lending services."

    —Ofa & Leslie Nau

  • "Frank went above and beyond to ensure a smooth and stress-free experience. Their attention to detail, expertise in the mortgage industry, and commitment to client satisfaction make them a standout mortgage broker. I wholeheartedly recommend Frank to anyone in need of mortgage services. If you're looking for a professional, knowledgeable, and reliable mortgage broker, Frank is the right choice."

    —Uriah Lizama

  • "The whole loan process was handled so well. Whenever we felt stressed or overwhelmed Frank and his team were extremely helpful in explaining things to us and changing things around to make sure we were making the right decision for us. We felt like they really cared about us and were always there when we had questions or needed help with something. We would definitely go to them again. They made the process painless and easy."

    —Chesney Barahona

  • "Mega kudos to Frank & team (Chris ET AL) Frank been my go to guy for many years. I’ve grown to trust him and count on his frank analysis. (no pun intended) Thanks again for all you and yours good work!"

    —Bob Taylor

  • "We have been very grateful for Frank and his help in refinancing our home to shorten the terms of our loan and lowering the interest rate. Frank is wonderful to work with and very responsive to all we were trying to do. I have known Frank for many years and he has always been someone I could trust and depend on! Canopy Mortgage was great!"

    —Bruce Monson

  • "Frank and his team did an awesome job on our refi. They kept us up to date on all the items going on and had us taken care of in no time. They frequently checked in with us and helped keep our nerves calm during the whole process. Thanks again Frank and company for doing such a great job for us."

    —Barry and Jessica Harrington

  • "I cannot say thank you enough! Frank made the refinance process easy and understandable. This was by far the best experience we've had with a purchase/refi! Frank patiently answered all our questions and made sure we got the best rate possible, and Chris, his assistant was available anytime we needed. Phew! So glad we got that done!"

    —Kim Frank, Lehi Utah

  • "Frank, along with his assistant Chris were very pleasant to work with. Their excitement and enthusiasm was a pleasure to work with. They were very efficient and knowledgeable as to what would be the best option for us in purchasing a home. Frank helped us get our interest rate down next to nothing. When there was concern, Frank jumped on it right away and looked into all of the details having the utmost integrity, looking out for our best interest. They had great communication through the whole process and made sure that we would close in the appropriate time frame we needed. I highly recommend Frank to anyone looking to purchase, refinance or seek wisdom from his area of expertise. You would not be in better hands!"

    —Katie O'Brien

  • "Can’t say enough about how awesome Frank Prater and his team are. Frank is a joy to work with. He has helped purchase both our homes and I am always impressed. We love Frank!"

    —McCall Wilson

  • "Frank has put together solid mortgages and refi's for us in three states. He made it clear what it would take, where our money was going, and set up realistic expectations that matched the outcome. There's been no hustle or pressure; when we've been ready, he's been ready."

    —Wade DeMordaunt

  • "Frank and his team were great to work with. They made the process very simple, and took great care of us throughout. Everyone we worked with was extremely friendly and knowledgeable. I highly recommend them."

    —Stephanie Cox

  • "Frank has taken care of many many friends and clients of mine and they sing his praises. Best in the Business. A lender you can TRUST has your best interests at all times. Rod"

    —Rod J

  • "I've recommended Frank to friends and family, and all give glowing praise for the way Frank does his job. He is a teacher at heart and patiently explains how the loan process works so his clients can make informed and good decisions. Frank is extremely honest and always does what is in his clients best interest. His positive attitude on life is just a bonus and makes him a pleasure to be around. I highly recommend him!!"

    —Kelly H

  • "He is the complete package of knowledge in the Lending industry. Get's the job done quickly, efficiently and his communication skills are top notch. I would trust him with my family!!"

    —Shauna J

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