Power Lending | A Better Mortgage Experience
Power Lending

The Mortgage
Experience You
Actually Deserve.

Fast pre-approvals, zero surprises, and white-glove communication from first call to closing day. For borrowers and the agents who serve them.

Zero
Surprises Policy
Fast
Pre-Approvals
White-Glove
Communication
On Time
Every Closing
Branch NMLS #2711527
·
Corp NMLS #1359687
·
Equal Housing Lender
·
Licensed in Multiple States
·
DBA of Canopy Mortgage LLC
100%
Transparency Commitment
49
States Licensed
100+
Loan Programs
0
Surprises at Closing
How It Works

From Application to Keys —
We Make It Simple.

A clear, guided process with proactive communication every step of the way.

Step 01

Connect with a Loan Officer

Find the right LO for your state and goals. Straightforward conversation — no pressure, no pitch.

Step 02

Get Pre-Approved

Smart tech + expert review = a clean, credible pre-approval so you can shop with real confidence.

Step 03

Lock Your Rate & Program

We match you to the right loan — not a one-size pitch — and lock your rate with total transparency.

Step 04

Close On Time

Milestone updates, zero surprises. You and your agent know exactly where the file stands — every day.

Loan Products

A Program for Every Borrower.

We don’t push one product. We match you to the right strategy for your goals, credit profile, and timeline.

Conventional Loans

Flexible financing for qualified buyers. Down payments as low as 3%.

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FHA Loans

Government-backed with flexible qualification. Ideal for first-time buyers.

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VA Loans

Zero down for eligible veterans and active-duty service members.

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USDA Loans

100% financing for eligible rural and suburban homebuyers.

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Jumbo Loans

High-value properties above conforming limits with competitive rates.

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DSCR / Investment

Qualify on rental income — not personal income. Built for investors.

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Refinance

Rate/term or cash-out options to optimize your mortgage strategy.

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Commercial Loans

Mixed-use to larger commercial properties — structured financing solutions.

Learn more →
Mortgage Calculator

Run the Numbers.

Get a quick estimate in seconds. These are ballpark figures — your loan officer will give you exact numbers based on your full profile.

$
$
%
%
$
$
Estimated Monthly Payment
$2,847
Principal & Interest$2,325
Property Tax$375
Home Insurance$150
Est. PMI$0
P&I
Tax
Insurance
PMI
Get an Exact Quote

Estimates only — not a commitment to lend. Results are based on the inputs provided and use illustrative interest rates. Actual rates, payments, and loan amounts depend on your credit profile, loan type, property details, and current market conditions. PMI estimate assumes 0.65% annually and may vary. Property tax and insurance figures are user-supplied and not verified. Contact a licensed Power Lending loan officer for a personalized quote. Power Lending is a DBA of Canopy Mortgage LLC · Branch NMLS #2711527.

Why Power Lending

Premium Execution. Every Single File.

We’re structured to deliver a consistent, high-trust experience — the kind that generates referrals.

Agent-Forward Execution

Clear milestones, proactive updates, and accountability that protects contract timelines — so agents can refer with confidence.

Speed with Clarity

Fast turn times — never at the expense of accurate guidance. You know what’s needed, what’s next, and where you stand.

White-Glove Communication

Borrowers and agents stay fully informed, every step. Zero surprises. Complete transparency from application to close.

Options-Driven Advice

We match borrowers to the right program strategy — not a one-size-fits-all pitch. Your goals drive every recommendation.

Industry-Low Origination Costs

Smart technology cuts overhead — and those savings get passed directly to clients through better pricing.

Trusted, Repeatable Process

Every file follows the same disciplined execution standard. Consistent results — that’s how we earn repeat business.

What You Can Expect from Power Lending

  • Fast, transparent process from consultation through closing
  • Proactive updates at every key milestone — no chasing
  • No-surprises execution for borrowers and agents alike
  • Broad loan programs matched to your actual goals
  • White-glove communication and strong operational support
  • One of the lowest costs to originate in the industry
About Power Lending

We Close with
Precision. Every Time.

Power Lending is a residential mortgage platform focused on delivering a premium experience: fast, transparent, and fully supported from consultation through closing. We combine proactive communication, smart technology, and expert guidance to help borrowers close confidently.

Whether you’re buying your first home, upgrading, investing, or refinancing — Power Lending moves quickly, sets clear expectations, and earns repeat business through trust and performance.

Learn More About Us
For Real Estate Agents

Your Lender Should Make You Look Good.

Power Lending is engineered around agent success. We protect your timelines, communicate proactively, and deliver — so you can refer confidently and grow your business.

Milestone Updates

Proactive file status at every key stage — you’re never left guessing or chasing.

Contract Timeline Protection

Our structured process and fast turn times are designed to protect your closing dates.

Co-Marketing Support

Open house flyers, co-branded materials, and tools that grow your brand alongside ours.

Reliable Pre-Approvals

Clean, credible pre-approvals your clients and sellers can actually trust at the table.

Partner with Power Lending

Join the network of professionals who trust Power Lending to deliver a consistent, high-performance experience for their clients — every transaction.

Become a Partner Agent
Client Stories

What People Are Saying

Real words from real borrowers and agents.

★★★★★
“From pre-approval to closing, the communication was exceptional. I always knew exactly where my loan stood. Zero surprises — exactly what they promised.”
JM
J. Martinez
First-Time Homebuyer
★★★★★
“As a Realtor, I need a lender I can trust with my clients. Power Lending closes on time, communicates proactively, and makes me look like a hero every single transaction.”
SR
S. Robinson
Realtor · Keller Williams
★★★★★
“I’ve refinanced twice with Power Lending. The process is smooth, they found me a better rate than I expected, and the team was incredibly responsive throughout.”
TC
T. Chen
Homeowner
Our Team

Meet Your Loan Officers

Experienced professionals ready to guide you from application to closing.

Ross Osten

Ross Osten

Residential & Commercial LO

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Stephen Bellew

Stephen Bellew

Loan Officer

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PR

Pete Ruberti

Loan Officer

Profile
Renee Mulrenin

Renee Mulrenin

Loan Officer

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Rafael Santos

Rafael Santos

Loan Officer

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Allen Reynolds

Allen Reynolds

Loan Officer

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Michael Sanchez

Michael Sanchez

Loan Officer

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Hema Konki

Hema Konki

Loan Officer

Profile
Norma Knight

Norma Knight

Loan Officer

Apply Now
MH

MayMay Huang

Loan Officer

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Randall Keberlein

Randall Keberlein

Loan Officer

Profile
CZ

Chris Zedaker

Divisional LO Assistant

Profile
CH

Craig Heitz

Loan Officer

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JL

Jonathan Lee

Loan Officer

Apply Now
Leadership

Meet the Team Behind Power Lending

The leaders driving sales, operations, and business development across our national platform.

Daniel Bellomy
Daniel Bellomy
National Director of Sales

Daniel Bellomy serves as the National Director of Sales for Power Lending, bringing nearly a decade of mortgage industry experience and a strong passion for sales leadership, mentorship, and relationship building within the lending industry. In his role, Daniel focuses on supporting loan officers, strengthening sales performance, developing sales strategies, and helping create a results-driven culture centered around service and professionalism.

Throughout his career, Daniel has built a reputation for his communication skills, industry knowledge, and ability to lead through collaboration and connection. He is passionate about helping lending professionals succeed while ensuring clients receive a high-level experience throughout the mortgage process.

As National Director of Sales, Daniel is committed to helping Power Lending maintain a strong sales-focused environment that prioritizes teamwork, consistency, and long-term success for both clients and lending professionals alike.

Matt Maier
Matt Maier
National Director of Operations

Matt Maier serves as the National Director of Operations at Power Lending, where he oversees operational strategy, process development, and organizational support initiatives across the company’s growing national platform. Based in Chandler, Arizona, Matt plays a critical leadership role in helping align systems, streamline workflows, and strengthen the overall lending infrastructure to support both internal teams and clients nationwide.

With extensive experience spanning mortgage lending, branch leadership, and operational management, Matt brings a well-rounded understanding of both frontline production and backend execution. His leadership focuses on creating scalable systems, improving efficiency, enhancing communication between departments, and supporting a consistent, high-level experience for loan officers, referral partners, and clients throughout the lending process.

Known for his practical approach and strong organizational leadership, Matt works closely with company leadership and production teams to help ensure operational consistency, accountability, and long-term sustainability as Power Lending continues to expand its national presence. His commitment to service, structure, and continuous improvement has made him a key part of the company’s operational leadership team.

Jay Ngo
Jay Ngo
National Director of Business Development

Jay Ngo serves as National Director of Business Development for Power Lending, bringing more than 20 years of experience across the mortgage and real estate industries. His expertise includes business development, operational leadership, organizational growth, and strategic planning, with a strong focus on building scalable systems, improving efficiencies, and supporting long-term growth initiatives.

Throughout his career, Jay has helped scale companies from startup stages into nationally recognized organizations supporting more than 18,000 associates nationwide. His experience spans both innovative startups and multibillion-dollar national brands, where he has consistently contributed to operational structure, leadership development, and organizational performance. He has also trained and mentored more than 40,000 real estate professionals nationwide, emphasizing leadership, collaboration, and sustainable growth.

In addition to his mortgage leadership responsibilities, Jay serves in multiple national and regional leadership roles supporting brokerage operations, executive advisory initiatives, and organizational development across the country. Driven by a passion for innovation and leadership, he continues to help shape the future of the mortgage and real estate industries through strategic leadership, operational alignment, and long-term vision.

FAQ

Questions? We’ve Got Answers.

For borrowers and agents alike.

How fast can I get pre-approved?+
In most cases, we can issue a pre-approval within 24 hours of receiving a completed application and documentation. Our technology-driven process is built for speed without sacrificing accuracy.
What documents do I need to apply?+
Typically: government-issued ID, 2 years of tax returns, 2 years of W-2s (or 1099s if self-employed), 2 months of pay stubs, and 2–3 months of bank statements. Your loan officer will provide a personalized checklist.
What loan programs do you offer?+
We offer Conventional, FHA, VA, USDA, Jumbo, Non-QM, DSCR/Investment, and Commercial loans. We match you to the right program based on your goals, credit profile, and property type.
Can I qualify if I’m self-employed?+
Absolutely. We offer bank statement loans, DSCR options, and other programs designed to help self-employed borrowers qualify based on real financial strength, not just W-2 income.
How do agents refer clients to Power Lending?+
Visit our For Agents page and complete the partner intake form. We’ll connect you with the right loan officer for your market and ensure you receive milestone updates on every shared file.
What states do you lend in?+
Power Lending operates through Canopy Mortgage LLC, licensed in 49 states. View the full list at canopymortgage.com/state-licenses or use our Find a Loan Officer tool to locate a licensed LO in your state.
Weekly Newsletter

The Power Lending Brief

Market insights, mortgage tips, and rate updates — delivered every week straight to your inbox.

Rate Watch

What Buyers Need to Know About Rates Right Now

Rates shifted again this week. Here’s what it means for your buying power, your lock timing, and whether to move now or wait.

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Buyer Guide

Pre-Approval vs. Pre-Qualification: What Actually Matters

Not all pre-approvals are equal. We break down the difference and explain what sellers and agents actually look for at the table.

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For Agents

How to Choose a Lender Partner Who Won’t Embarrass You

The lender you refer reflects on you. Here are the five things top agents look for before sending a single client to a loan officer.

Weekly EditionRead more →

Ready to Move Forward?

Find your loan officer, get pre-approved, and experience the mortgage process the way it should be — clear, fast, and fully supported.