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



What people are saying about

  • "As a first time buyer i was very happy with the work Nathan and his team provided me. The process was simple and easy. Nathan helped every step of the way and made everything very simple to understand and made sure i was always informed with any updates. I will definitely be recommending them to all my family and friends!"

    —Ricardo D

  • "There there is not enough positive things I can say about Nathan Rufty. He is a true professional in his field. Nathan is honest and really does a exceptional job in answering calls and messages to answer questions. It is always a pleasure doing business with Nathan."

    —Jose Zamudio

  • "I Refinance my home with Nathan, He answered all the questions, and was very professional."


  • "Nathan and his Team made my refinancing a breeze. They were thorough and kept me informed of the process and made sure I knew when one of his team would be calling so I didn’t experience spam calls. I would highly recommend him for your next purchase or refinance. What a joy and stress free experience. Thank you very much."

    —Rhonda Crabtree

  • "Nathan was great to work with. He was able to answer any questions that we had very quickly. If we ever refinance our home again, I wouldn't hesitate to use Canopy Mortgage and contact Nathan again. Thank you so much!"

    —Chelle Kandle

  • "Nathan has made every refi working with him such an easy and professional experience I would highly recommend him to anyone looking to finance a home."

    —Gabriel Chavez

  • "Nathan is great at what he does. He helped me refinance my home making the whole process a breeze I am very happy with the process and will definitely recommend him to family and friends"

    —Maria rodriguez

  • "Thank you, Nathan and team, for helping us with our home refinance. He was referred to me by a friend. I have shopped around to look for someone who is easily reached out to, someone who responds to my questions via call, text, or email promptly, and someone knowledgeable. Nathan has all of these attributes. It was easy working with him and his team. The stress of refinancing or buying a home will always be there. However, Nathan helped me and my wife during this stressful time and made it all bearable. Thank you again! Will use your services next time. I have also already spread the word of how good you are to my family and friends."

    —Ron Tumlos

  • "Nathan and his team are true professionals. This is my second time working with him and I am extremely satisfied with the service I've received. Both of my transactions were flawless and Nathan was always available to answer any and all questions that I had. I look forward to working with you again. Thanks for all the help!"

    —Vonda S.

  • "We have worked with Nathan before and we would do so again. He made the refinance of our home work as seamlessly and effortlessly as possible and was super responsive to questions and other matters, Nathan is a top notch mortgage professional and I would recommend him to others without hesitation."

    —David and Dina Calderon

  • "We are so thankful we got referred to Nathan and his team. It has been truly a stress free process! Communication is key and was 100% efficient! Always updating us on status thank you for everything!"

    —Janet Rendon

  • "Nathan was referred by my coworker and I had been skeptical about finding the right people that could help me with my refi. I got a lot of ads that promote lower interest rates but without prior experience with any company it didn’t help with my hesitation to refi. I was happy to get Nathan’s number and having been referred by my satisfied coworker it has been a great peace in my mind that Nathan came through with the best outcome. Thank you Nathan for the awesome service."

    —Emer Brown

  • "I refinanced with Nathan. This was my third refi in 2 years. Nathan made the process easier than any other refi I have done. His rates were the best and I know I got the best deal possible. Very professional and extremely easy process. I recommended him to my neighbors and they started the process with Nathan shortly after . Absolutely would (and have been) recommending Nathan for mortgage options. Thanks Nathan!"

    —Ashton Mills

  • "We were very happy with how quick and easy the refinancing process for our home was. This was the second time we have refinanced, and I would recommend Canopy. Not only did we get a very low rate, but both the communication and process was extremely smooth."

    —Monique Verdin

  • "We are greatly pleased to have worked with Nathan. We were fairly nervous into refinancing our home and after a friend referred his services we were on board. Nathan is a kind and welcoming professional whom we nearly forgot we were refinancing with.The transaction was fast and easy and we highly recommend Nathan, we will definitely work with Nathan on our next home purchase 😀"

    —Hector and Sally

  • "Mr. Rufty was very attentive, professional, and his communication throughout my cashout refinance was excellent. I will definitely recommend his expertise to my friends and family in the future."

    —Greg Sutton

  • "This is my third time using Nathan for a loan. He made the process very easy and stress-free. If you are looking to buy a home and need a loan or refinance your home I would recommend him 100% everyone from Canopy mortgage could not have been more professional and kind. Thank you again Nathan."

    —Jackie Bannister

  • "We are returning customers of Nathans, and will continue to be in the future. Always the lowest rate, on top of things and very knowledgeable and professional."


  • "We have worked with Nathan now for 5 years what I trust and appreciate about Nathan is that his customer service doesn’t end the minute your loan is funded... for the past 5 years any opportunity that he came across that would be beneficial to me and my family he has always kept us in mind. I do not believe that I would ever find that anywhere else! Thank you Nathan for always keeping our best I interest at heart and for always going above and beyond!"

    —Karla Andrade and Adrian Mosqueda

  • "We have processed serval loans with Nathan, every time we need a new loan, refinance or just questions he has provided us with several options. He is very professional and we can always reach out to him to get answers right away. We will continue to work with him in our future home projects."

    —Claudia Panerio

  • "This is the 3rd time we have done business with Nathan and his team. We refinanced our home in January and it was such a smooth and stress free transaction that I was surprised how soon we closed. Nathan is upfront and gives us all options with no hidden surprises. You know exactly what you are getting which is very important as there are no hidden fees or surprises.. The entire team is professional and in constant communication with you. Nathan is always available in person to answer any questions one may have. This personal touch is very important to us. We got a great rate and lowered out monthly payments by nearly $500. Please give Nathan and his team at Canopy Mortgage a call if you plan to buy or refinance your home, you will not regret it."

    —Mike R

  • "I was referred to Nathan by a friend of mine. Nathan showed us a very high level of professionalism, attentiveness, and dedication throughout our entire refinance process. my work schedule varies a lot between day and night 12 hour shifts which I thought was going to cause a problem for me to communicate with Nathan. However Nathan made himself available to me regardless of the time of day or night in order to help my wife and I with our refinance. My wife and I are very thankful for Nathan and everything he did for us during this process. I highly recommend Nathan and will definitely be going back to him if I require loan services in the future."

    —Irving Salazar

  • "2nd time Refinanced with Nathan Rufty and his team, I got nothing but appreciation for them. They are true professionals .smooth,stress free and very educational on my Refinancing options, Thanks again, I look forward to referring the team to my friends!"


  • "My wife and I were very concerned that due to COVID 19 we would have to complete the refi process entirely “on line” but Nathan and his team made the process easy. He took the time to explain everything, sometimes more than once. Was patient with our lack of technical acumen and overall made the refinance experience stress free."

    —Joe & Betty Betance

  • "I have had the pleasure to work with Nathan on many occasions. Each time has been easy and as close to frictionless as it could be. If I wind up refinancing in the future it is pretty clear who I will turn to. For anyone reading this, I certainly recommend Nathan for your financing needs."


  • "I contacted Nathan Rufty for my second refinance. I wish I did the first one with him. Nathan was very communicative and transparent during the whole process and he sent updates periodically to let me know the status. On top of that, his team worked very efficient and quick. We closed in about a month and the process was very smooth and no hassle at all. I will definitely reach out to him again in the future for any mortgage loans and refer him to my friends or families for his service! Thank you Nathan!!!"

    —Patrick Lim

  • "This was the second time I use Nathan and his team. They are all consummate professionals. I was well informed at every step of the process. The turnaround time from start to finish was fantastic. Nathan pays careful attention to everything going on and works hard to get you the best possible outcome. You cannot go wrong using Nathan and his team!"

    —Richard Wills

  • "Nathan Rufty has helped me refi my home twice in the last year!! Amazing service...professional, trustworthy, efficient and always available to answer my questions. I knew with Nathan I didn't have to worry about a thing!! Thank you Nathan"

    —Jacqueline Wilcoxen

  • "We can't thank Nathan and his team enough. In 2018 he helped us get into our first home. He knew about various programs available to us as first-time buyers and worked very diligently with us to ensure that we were able to move into our home quickly and with absolutely no hassles. He was patient with our questions and concerns and stayed on top of each step through closing. Fast forward to a new era of refinancing in COVID times and Nathan AGAIN gave us the exact same professional service we had experienced in 2018. If you or someone you know is looking for a top of the line expert for your real estate needs, Nathan Rufty and the team at Canopy Mortgage is your go-to specialist!"

    —Carl and Laura

  • "I want to thank Nathan and his team for working hard to get my refinance finalized. It's always a pleasure working with him. If you need someone to trust contact Nathan he will get the job done with no BS."

    —Alfonso Esquivel

  • "I really appreciate all the work Nathan and his team did to get my refinance finalized. With no BS Nathan gets the job done. Hit up Nathan you won't regret it. Once again it was a pleasure"

    —Alfonso Esquivel

  • "Amazing experience. I bought my home with Nathan & refinance with him and his team. They are truely reliable, great customer service and work with me and what I am looking forward to. His tentative via e-mal and cell phone which makes it much easier to work with as a busy mom., full time worker and wife. Best experience so far. Will continue seeking his services."

    —Arianna Gonzalez

  • "It was a very good experience working with Nathan Rufty and Canopy Mortgage. He and his staff as well as Jennifer Palumbo who worked diligently on our file to its completion. Thanks again, We look forward to working with you in the future."

    —Roger Finberg

  • "As a homeowner, I have now purchased two houses with Nathan, as well as accomplished 4 refis I believe. Everyone I have referred to him has also ultimately used him. I don’t know that there is anything else that needs to be said, except that I am not a creature of habit. I shop mortgages like buying a car, and I’m always aware of rates, processes, guidelines, etc. In my life I’ve had 8 mortgages and refinanced probably 10 times. I will continue to work with Nathan as long as I am able."

    —Jeffrey Anderson

  • "By far the handling of my refinance was handled by a true professional , Nathan Rufty. Streamlined and user friendly process. Thanks Nathan."

    —Vanessa Papatsos

  • "Nathan and his team made the process of refinancing so easy. He got us a great rate and the entire process went smoothly. He explains everything and answers all questions quickly. We couldn’t have asked for a better experience. We look forward to working with him again in the future."

    —Lauren Gonzalez

  • "Nathan was referred to us by I friend. I will forever be thankful. Nathan is a true professional, so knowledgeable and goes above and beyond. This is our second time using his services. As a matter of fact I refer our friends and family to him. Give him a call you won’t regret it!"

    —Wanda Perez

  • "Nathan was a life saver for me on my Refinance. It went smooth and very easy.  Started out my refinance with Chase and because of various reasons I decided to move my transaction over to Canopy Mortgage whom my sister referred me to. She's used him for her own home loan and also as her trusted source as a Realtor. When I first contacted Nathan he was quick in responding back to my message to him.  Throughout the process he kept me informed on where the transaction stood in the processing. The initial documentation (disclosures) were sent to me in a timely fashion. Also his timetable was right on point as he stated in the very beginning even sooner then expected for the loan closing timeframe. I really enjoyed working with Nathan. I felt I was in great hands by a knowledgeable loan officer. The overall process was quick and without hiccup. I highly recommend him if you desire great customer service, attention and skills. He's the one that will get it done with excellence!!!!! Thanks again Nathan for making my refinance smooth and easy with no stress."

    —Annette S. CHAVEZ

  • "Nathan makes what can be a scary and confusing process simple. It was so easy I’ve done it twice this year. He gives you options and explains the pros and cons on each option. Nathan keeps you informed on the process as it happens. And no pressure. Thanks Nathan."

    —Cathy Stewart

  • "We always go to Nathan for our refinancing. He is very professional and responds to emails and call quick. He makes the process less stressful."

    —Sharon Guzman

  • "very helpful. stayed in contact during refinance got me a really good rate . can't wait for to get my next house with Nathan."

    —Deshon Green

  • "Nathan was instrumental to the original purchase of my house, and most recently, the refinancing. He conducts himself very professionally and provided straightforward answers to my questions. Moreover, Nathan's work ethics are impressive. He makes you want to come back to him."

    —Jorge Mendieta, MBA, EdD Candidate.

  • "Nathan was great to work with he provided us with our options that would best fit our financial situation and now we are going to payoff our loan in 15 year verses 30 years"

    —Jason Timms

  • "Looking to refinance with ZERO HASSLE? Nathan and his team are the people to make it happen! As a four plus time client, I could not be more satisfied with the professionalism and individualized detail put into each loan. Run the numbers, find the most cost effective loan and before you know it, your life has become a bit more financially sound. I trust Nathan and his team explicitly and will be a forever client."

    —Michelle Astley

  • "We were hoping to use another company until our real estate agent suggested Nathan Rufty. He counseled us on ways to improve our credit and we were able to get a much better loan compared to other companies. That led to us being able to buy our forever home! Super helpful, always available and quick to respond to our questions/concerns."


  • "Nathan did an awesome job keeping me updated during my refinance. He is very prompt and helpful with any questions, we have used Nathan twice now to refinance, and both times it was an easy painless process. Thanks Nathan"

    —Mark Walsh

  • "We have worked with Nathan for over 10 years now and it’s always a smooth and easy process! We would recommend him and his team to anyone."

    —Tia Wakumoto

  • "We have refinanced our home at least three times with Nathan and his team. He is a true professional that cares about his clients. We have referred our daughter and her husband, as well as our friends. I would not want to wade through the financial waters of a real estate purchase or refinance without him. Thank you Nathan!"

    —Greg Solomon

  • "I could not have refinanced my home without Nathan! Nathan went above and beyond for me on tis transaction. He handled my refinance with ease and was always available for me when I had questions (and I had plenty). Nathan is incredibly knowledgeable, courteous, and patient. What I love most about Nathan is his honesty!! I would encourage you to consider Nathan and Canopy Mortgage for your refinance needs."

    —Judy Hillenburg

  • "This is the second time Nathan has helped me with a refinance. Both times went extremely smooth and Nathan made the process very easy. I would highly recommend Nathan if you need to re-fi."

    —Michael Slone

  • "Nathan is by far one of the best loan officers I have ever had the privilege of knowing. He is honest, caring, and determined to do the best job he can for you. Trusting him will be the best decision you could make, he will treat you like family and make sure you are well taken care of."

    —Philippe Perrenoud

  • "Nathan and his team were great. The refinance was a breeze with them. They kept me updated throughout the whole process. Thanks Nathan. Keep up the great work."

    —Cristina Diaz

  • "Nathan and his team got my wife and I an INCREDIBLE rate. He walked us through the process at every point. . We are so happy with the house, the rate and the outcome! Thx Nathan! - David and Daphne"

    —David and Daphne

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