Should You
Refinance?
AI-Powered Rate Analysis
Our AI analyzes live market rates, your current loan, and financial profile to determine if refinancing makes sense for you.
What type of refinance are you interested in?
🔴 Live Rates • 🤖 AI-Powered • Free Analysis
Current Loan Type
What kind of loan do you have now?
Current Loan Details
An estimate is fine
Rate & Credit
This helps us find your best options
AI Analyzing Your Profile...
Calculating LTV, payment structure, and MI eligibility
Confirm Your Payment
We calculated your estimated P&I payment
(excludes taxes, insurance, MI)
We'll use this to calculate your potential savings
Building Your Refi Plan...
Fetching live market rates...
Your Refinance Analysis
After 38 months, you're saving money every month
Based on your profile, refinancing could save you significant money. Lock in today's rates before they change!
💡 This could look even better!
You may qualify for special incentives or lender credits. Submit your info to get a personalized quote.
*Rate shown is estimated based on current market conditions and your profile. Final rate subject to full application and underwriting.
Get Your Personalized Quote
A refinance specialist from Lesser Lending will reach out with your custom rate options
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You're All Set!
A refinance specialist from Lesser Lending will contact you shortly with your personalized rate options.
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(509) 749-8587A Better Way to Understand Your Mortgage
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"I had a unique situation going on, and I was in doubt before reaching out, but David and his team, understood the assignment and made it happen! His entire team are friendly and focused on working with you. They get a lot of clients but they still make you feel as if you’re the only client they have."
– Aseel K.
Hey, I'm Dave!
Your dedicated mortgage loan officer with years of experience and a passion for helping people achieve homeownership the smart way.
Whether you're a first-time buyer, a military veteran, or looking to invest in real estate, I have the expertise to guide you through the process seamlessly.
Trusted by PNW's Top Real Estate Agents
VA and First Time Buyer Loan Expert
Voted Best of BuseinessRate 2024 and 2025
Ranked Top 1% of Mortgage Loan Officers in the Nation
Clients Helped With Our Philosophy
Closed Loans
5-Star Reviews
Clients Served
Years Experience
"David and his team were wonderful and beyond helpful with assisting us in securing a loan for our first family home. They were efficient and knowledgeable and made this notoriously stressful process a lot smoother for us. I could not be more appreciative. Highly recommend them if you’re looking for an honest and personable lender."
– Gwen V
Go Shopping in 4 Simple Steps
No guesswork. No overwhelm. Just a simple path to better home buying. Starting today.
STEP 1
Book A Call
Start your journey toward homeownership with just one simple step.
STEP 2
Application
You’ll be guided through each step to avoid feeling overwhelmed
STEP 3
Approval
You’ll finally have the numbers you’ve been looking for.
STEP 4
Enjoy Shopping
Get shopping with confidence because you received very clear direction.
"Highly recommend!
David and his team helped us evaluate numerous homes during our search in Spokane, and was consistently available throughout the week to provide rapid responses and documentation. He also helped us explore many options in our loan that made it easy to hit our target budget. I was impressed by his timeliness and open communication, which helped my wife and I close the purchase early and gave us extra time to prepare for the coming of our first child. I would definitely recommend his services for anyone looking to purchase a home in the area."
– Alexander D
Lesser Lending Group DBA Canopy Mortgage, LLC offers a transparent mortgage experience supported by modern tools and real people.
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Spokane Valley, WA 99206
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Lesser Lending Group is a DBA of Canopy Mortgage, LLC © 2026. All Rights Reserved. (509) 749-8587 NMLS #189561 | Licensed in WA and ID
Lesser Lending Group DBA Canopy Mortgage, LLC | 360 Technology Court, Suite 200 Lindon, UT 84042 | 877-426-5500 | NMLS Consumer Access #:1359687 | Equal Housing Lender | All loans subject to credit and property approval | Rates subject to change without notice | Calculators are self-help tools. All examples are hypothetical and are for illustrative use only.
