Kylecan.com Mortgages Made Simple

Kylecan.com Mortgages Made Simple Family Man, Inventor & Trusted Mortgage Advisor
Kyle Stringham Team @ Canopy Mortgage w Better Rates, Better Tech, From Real People.

Helping hundreds of families realize dreams of home ownership. www.KyleStringham.com | 801-991-0100
NMLS314354 Kyle Stringham | Mortgage Expert | Entrepreneur | Family Man

Kyle Stringham is more than just a mortgage loan officer—he’s a trusted guide, a problem solver, and a relentless advocate for his clients and partners. With nearly two decades in the mortgage industry, Kyle has helped countl

ess families navigate the homebuying process with honesty, expertise, and a commitment to making homeownership more accessible. At Canopy Mortgage – The Kyle Stringham Team, he focuses on providing low fees, competitive rates, and streamlined approvals, ensuring his clients and referral partners experience the best service in the business. But Kyle’s passion for innovation goes beyond mortgages. He’s also the inventor and founder of PurTrek, the world’s first trekking pole with an integrated water filtration system—an idea born from his love for the outdoors and a desire to create gear that makes adventuring smarter and safer. As an entrepreneur, he’s taken PurTrek from concept to market, always looking for ways to push boundaries and improve the way people experience the outdoors. At his core, Kyle is a devoted husband and father who treasures time with his wife, Cazree, and their four children, Gahndyn, Kambrie, Lennon, and Kaiya. Whether it’s watching Kambrie cheer, helping Lennon with her backyard flock of chickens, or chasing after little Kaiya, family is always his top priority. He and Cazree make time for regular date nights, knowing that a strong partnership at home creates balance in every other area of life. Kyle is also a lifelong learner and a believer in personal growth—whether that’s in business, fitness, or faith. He stays disciplined in his health and fitness routine, lifting weights, fasting, and pushing himself to be stronger both physically and mentally. His faith keeps him grounded, and he’s always looking for ways to help those around him, mentor others, and create meaningful connections. Above all, Kyle is someone who shows up, works hard, and never settles for “good enough.” He believes in thinking bigger, taking action, and surrounding himself with people who want to win in business and in life. Whether he's helping a client secure the best loan, launching an innovative product, or spending time with his family, Kyle approaches every challenge with passion, drive, and an unwavering commitment to excellence. Canopy Mortgage is an Equal Housing Opportunity Lender. Contact me at:

Canopy Mortgage

[email protected]

South Ogden, UT 84403

801-991-0100

08/26/2026

Three years of construction headaches in Roy, Utah are officially over and the story behind this project is actually bigger than a road.

The massive rebuild of the 5600 South and I-15 interchange is essentially complete. UDOT spent $238 million on just this one stretch. They widened 5600 South, completely reworked the interchange, added pedestrian and bike connections, and acquired approximately 60 properties along the way to make it all fit.

But here is why this matters beyond just a smoother commute.

A UDOT spokesman summed up northern Utah's growth in one sentence: most of the growth in Weber and Davis counties is happening west of I-15.

Think about what that means. West Haven. Hooper. Syracuse. West Point. Clinton. All of the communities on the west side of the interstate are where the growth is going. And this interchange is the gateway to all of it.

Right next to the interchange sits Northrop Grumman's Roy campus. They already employ over 5,000 people and they are still expanding. Jobs are being posted right now if you want to look.

When we talk about northern Utah's growth it is not just about houses. It is about roads, jobs, and infrastructure all being rebuilt at the same time right around where people are moving. That combination historically drives real estate values and it is playing out in real time right here.

For anyone watching the 5600 South corridor keep your eyes open. The opportunity along this stretch is real.

Was the three-year headache worth it? Drop your answer in the comments.

08/26/2026

Something pretty interesting is happening in Northern Utah right now and it is worth paying attention to.

Mortgage rates have actually moved lower two weeks in a row. Freddie Mac's national 30-year average went from 6.69 to 6.67 to 6.65 this week. Not a massive move but the direction has changed. After weeks of pressure we are seeing the beginning of a down tick.

Now here is the part I think is considerably more important than the rate movement itself.

According to Zillow's latest data approximately 46 percent of homes sold below asking price in Weber County. Davis County is also at 46 percent. Salt Lake County is at 47 percent. Nearly half of all homes selling below asking price.

And here is what makes that data really significant: home values in all three counties are still slightly higher than a year ago. This is not a housing crash. Values are holding. But buyers are negotiating and they are winning.

What we are seeing right now is what I would call a negotiation market. And that means buyers need to stop leading with one question and start asking a better one.

Stop asking what is the interest rate. Start asking what can I negotiate on this house with this seller.

Because right now the right seller may save you substantially more money through seller-paid financing concessions, price reductions, closing cost contributions, and other negotiated terms than waiting around hoping for rates to magically drop even a full percent.

Even if rates went to 5 percent. For many buyers the deals being negotiated today produce payments lower than that scenario anyway.

Your home is out there. The right seller is out there. And the payment you never thought was possible might actually be possible right now.

Drop in the comments: if you were buying today what would you need to make you move? I want to hear it.

Kyle Stringham. Have a fantastic day.

08/19/2026

Something big is being discussed in South Ogden right now and if you live in the area or are thinking about buying here you need to know about it.

South Ogden is considering a master plan that would essentially create an entirely new downtown where one does not currently exist. We are talking about the stretch of Washington Boulevard from roughly 36th Street up to 40th Street. About 61 acres of land running from the Macy's shopping center all the way up to the Big Lots and the second-hand store area.

Here is what the planning documents envision. 1,000 residential units including condos and townhomes in multi-family high-rise format. 380,000 square feet of new commercial space. 75,000 square feet of offices and business space. A public plaza. Walkable areas. Event space. And a genuine downtown feel that South Ogden has never really had before including potentially a venue for concerts and community events.

Now before anyone gets concerned this is important to understand. Nobody has approved anything. The South Ogden City Council is only considering this proposal right now. This is a long-term master plan conversation not a done deal. There is a long road between today and any shovels in the ground.

Some residents are already raising concerns about traffic, parking, the impact on existing businesses, and whether this level of development changes South Ogden's identity in ways the community does not want.

My honest take is that done right with real community input this kind of development could be a meaningful improvement for South Ogden. But done wrong or pushed through without listening to the people who actually live here it could create exactly the problems residents are worried about.

So I want to hear from you. Would a real downtown on Washington Boulevard be a win for South Ogden? Or is 1,000 new residential units and that much development too much change for the city? Drop your thoughts in the comments.

08/19/2026

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.

08/07/2026

Kyle Stringham here from kylestringham.com, your trusted mortgage advisor. Let's talk about what just happened with the Fed and what it means for you here in Utah right now.

On July 29th the Federal Reserve announced they are leaving interest rates unchanged. This is exactly what most people expected. The market has been influenced by so many factors: the bond market, inflation, the overall economy, the conflict in Iran. There is a lot being worked through and holding steady was the right call for now.

But here is what I want you to focus on. What is actually happening in our Utah market right now.

Sellers are becoming very negotiable. And I am not just talking about price drops. I am talking about creative deal structures that get both sides of the table exactly what they need.

A 2-1 buydown that lowers your rate for the first two years. Seller-paid closing costs. Debt coverage built into the offer. There are financing options available today that we simply could not do four years ago and that is genuinely exciting if you know how to use them.

A real negotiation is not just two sides fighting over a number. It is two people coming together to understand what each one needs to make the deal work. Sometimes you are far apart and it is not the right fit. But sometimes you just need someone to crack the gate open a little and suddenly both sides can come together on terms that work.

The best deals of the year are happening right now. Sellers are motivated. Financing tools are creative. And next year you are going to be very happy you got in when you did.

Head to kylestringham.com or reach out directly and let's work through the numbers for your specific situation.

07/16/2026

Your mortgage payment is fixed but your total monthly payment might not be and here is exactly why that happens.

When you have a fixed-rate mortgage, what is actually fixed is your principal and interest payment. But if you have an escrow account your lender is also collecting money every month for property taxes and homeowners insurance. And those are absolutely not fixed. When your county reassesses your home and raises your taxes, or your insurance company increases your premium, your total monthly payment goes up even though your interest rate never changed by a single point.

Sometimes the increase feels even bigger than expected because your escrow account was short from the previous year. Your servicer is not just collecting for the new higher amounts going forward. They are also collecting extra to make up for the shortfall from before. That combination can feel like a significant jump that seems to come out of nowhere.

Your lender did not change your rate. The cost of owning the home around the mortgage changed. Here is what you can do about it. Review your escrow analysis every single year so you understand what is changing and why. Shop your homeowners insurance regularly because rates vary significantly between carriers. And check whether you can appeal your property tax assessment because in many counties successful appeals are more common than most homeowners realize.

Follow me for more mortgage tips that homeowners usually learn the hard way.

07/14/2026

You may have seen some headlines recently about the new federal housing bill called the 21st Century ROAD to Housing Act. Let me give you the simple, clear picture of what it actually means and why it matters for buyers, sellers, and investors right now.

The big picture is straightforward. This bill is focused on helping create more housing supply over time. It does that through several specific mechanisms. Speeding up certain construction reviews to reduce the time and cost it takes to get new homes built. Encouraging more housing options like townhomes and duplexes that can add meaningful inventory in areas where single family homes alone cannot keep up with demand. Limiting how many single-family homes the largest institutional investors can purchase, which helps level the playing field for everyday buyers competing against large corporate buyers. And reducing some of the costs tied to manufactured homes, which expands affordable homeownership options for more families.

Now this does not mean home prices are going to change overnight. Housing supply takes time to develop and the effects of this legislation will be gradual rather than immediate. But what it does show is that affordability and inventory challenges are being taken seriously at the federal level. That is meaningful.

For buyers, sellers, and investors this is a good reminder that the market is still moving and evolving. The people who are prepared, educated, and working with the right team are going to be in the best position to take advantage of what comes next regardless of how the market shifts.

Reach out if you have questions about how this affects your specific situation.

07/13/2026

A price cut does not automatically mean the seller is desperate. But it does mean buyers have more room to negotiate than they did a year or two ago and understanding the difference is what separates smart buyers from the ones who lose deals they could have won.

Here is the mistake I see buyers make consistently. They hear that a lot of sellers are reducing prices and assume every listing can be lowballed. That is simply not how it works. A home that was overpriced by $50,000 and just cut the price may still not be a steal at the new number. And a home that is priced correctly in a strong neighborhood may still attract multiple offers regardless of what is happening in the broader market.

Before you throw out a low offer on any property, look at three specific things. How long has the home been on the market? How is it priced compared to recent comparable sales in the area? And has the seller already reduced the price once or more? If the home has been sitting for an extended period, has received no offers, and the seller has already cut the price, that is where you genuinely have negotiating leverage and can push harder on terms and price.

But here is the part most buyers miss. The best offer is not always the lowest number. Sometimes it is the cleanest terms. A well-structured offer with strong financing, a flexible closing date, and minimal contingency friction can win over a higher offer that comes with complications.

Follow me for more smart home buying strategies that actually work in today's market.

07/09/2026

If you were waiting for mortgage rates to drop, May was a frustrating reminder that rates do not move in a straight line and that trying to time the market perfectly is one of the hardest games to win.

One hotter-than-expected inflation report can push rates higher fast and that is exactly what we saw. But that does not mean your chance is gone. It means you need a plan that works even if rates move against you rather than a strategy built on hoping for the perfect moment.

Here is what I tell buyers right now. Do not shop based on the lowest rate you saw online two weeks ago. Shop based on what you can actually afford today and give yourself a cushion in case rates move before you get under contract. Markets move and being caught off guard by a rate shift after falling in love with a property is an avoidable problem.

Once you find the right home, have a real conversation with your lender about your options. Rate locks, seller credits, temporary buydowns, and permanent buydowns can all meaningfully improve your payment and none of them require rates to drop on their own. Waiting can absolutely work if prices soften or inventory improves in a way that creates a better entry point. But waiting simply because you are hoping rates magically fall is a strategy that can backfire significantly.

The goal is not to predict the market perfectly. It is to buy when the numbers actually make sense for your situation. Follow me for more real-world mortgage advice that helps you make that call with confidence.

07/08/2026

There are some big national housing headlines worth paying attention to right now and I want to break them down clearly so you know what they actually 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 the good news is that rates have been more stable recently and that stability gives buyers a significantly better chance to plan, budget, and move forward with confidence.

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.

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.

Reach out and let's talk through what this means for your specific situation.

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