Website terms.

The governing terms of use are Canopy Mortgage, LLC’s, available at canopymortgage.com/terms-of-use. This page supplements them with terms specific to this website. Where the two differ, Canopy’s terms govern.

By using this site, you agree to these terms. The site is operated by Brad Patshkowski (NMLS #71298), a mortgage loan originator with Canopy Mortgage, LLC (NMLS #1359687).

This is not a loan offer

Nothing on this site is a commitment to lend, a rate lock, a preapproval, or a guarantee of any loan, rate, or term. Any numbers you see are estimates for planning only. All loans are subject to credit and property approval, underwriting, and appraisal. Rates, terms, and program availability can change without notice.

Calculators & estimates

Interactive calculators and payment estimates are self-help tools. All examples are hypothetical and are for illustrative purposes only. Actual figures depend on your specific situation and current market conditions, and payment estimates may not include taxes, insurance, or mortgage insurance — your actual payment obligation may be greater.

Equal Housing Lender

Canopy Mortgage, LLC is an Equal Housing Lender. We do business in accordance with federal fair lending laws.

Licensing

Brad is licensed in WA and ID. See our Licensing & NMLS page and verify any license at NMLS Consumer Access.

Your responsibilities

• Provide accurate information when you contact us.
• Use the site for your own personal, non-commercial purpose of exploring home financing.
• Do not attempt to disrupt, scrape, or gain unauthorized access to the site or its systems.

Links to other sites

This site may link to third-party websites — including the online loan application and scheduling tools. When you follow those links, you leave this site and are subject to the other site’s terms and privacy practices. We are not responsible for the content of sites we do not control.

Intellectual property

The content, design, and text on this site belong to Brad Patshkowski or are used with permission, and may not be copied or reused without our written consent.

No warranties; limitation of liability

The site is provided “as is” without warranties of any kind. To the fullest extent permitted by law, we are not liable for any indirect or consequential damages arising from your use of the site or reliance on any estimate shown here.

Governing law

These terms are governed by the laws of the State of Washington.

Relationship to Canopy Mortgage

This site is the website of Brad Patshkowski, a licensed loan originator at HHL Group, a Division of Canopy Mortgage, LLC. The domain is a web address only — it is not a business name, a trade name, or a separate lender. Mortgage origination services are provided by Canopy Mortgage, LLC, NMLS #1359687. See the Canopy Mortgage Terms of Use for terms governing Canopy’s services.

Contact

(509) 252-4000 · brad@hhlnorthwest.com