Should You Buy
or Keep Renting?
AI-Powered Buy vs Rent Analysis
Our AI compares your rent to estimated mortgage payments across WA & ID markets — factoring in Down Payment Assistance, your income, and credit — to show you exactly where you stand.
🤖 AI-Powered • No SSN required • Zero credit impact
How much do you currently pay in rent per month?
🔒 Your information is private and secure
What stage of this journey are you in?
What's a realistic starter home price for your budget?
Think practical, not perfect — your first home is a stepping stone.
Most first-time buyers start between $150,000 – $350,000. You can always move up later — building equity now is what matters.
How will your home be used?
Is this your first time purchasing a home?
What would prevent you from buying a home now?
Have you (or your spouse) ever served in the US military?
Veterans may qualify for a VA Loan with $0 down and no PMI.
How much of a down payment could you make?
Rough estimate is fine
How much do you currently have saved for a down payment?
An estimate is fine
What's your employment status?
What's your household gross annual income?
Before taxes
What's your current credit score?
An estimate is fine
🔒 Your information is private and secure
Analyzing Your Profile...
Comparing your rent to estimated mortgage payments and DPA eligibility
Your Buy vs Rent Analysis
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*Estimated figures based on your inputs. Actual rates and programs vary.
AI is amazing — but we always recommend having your data reviewed by a real expert. A Top 1% Loan Officer in the USA will personally review your profile and get back to you with accurate, up-to-date options tailored to your situation.
A Loan Officer will review your data and contact you with personalized options.
What's your current zip code?
🔒 Your information is private and secure
What is your full name?
Please enter your full name.
🔒 Your information is private and secure
What is your email address?
Please enter a valid email.
🔒 Your information is private and secure
What is your phone number?
Please enter a valid phone number.
🔒 Your information is private and secure
You're All Set!
A specialist will review your analysis and reach out shortly with your personalized plan.
AI is amazing — but we always recommend having your data reviewed by a real expert. A Top 1% Loan Officer in the USA will personally review your profile and get back to you with accuracy.
Need to speak with someone now?
(509) 749-8587A Better Way to Understand Your Mortgage
Guided by a proven process. Built around you.
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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
Lesser Lending Group DBA Canopy Mortgage, LLC offers a transparent mortgage experience supported by modern tools and real people.
My Contact
11917 E Broadway Ave STE 201
Spokane Valley, WA 99206
Business Hours:
Mon-Fri 8am-5pm
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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.
