Customer Testimonials

We work very hard for our customers because nothing pleases us more than helping our clients achieve the dream of affordable home ownership. We want to add you to our list of very satisfied customers.

Read what others have said about working with us:

As a first time home buyer, Leo did an excellent job at explaining the process and giving me his professional advice. He was always there for any question I had and was very quick at completing tasks on his end. I highly recommend him!


Leo was super easy to work with. Very responsive to emails, texts and phone calls. I was a first time home buyers and had a lot of questions that Leo answered and made clear for me. If anyone I know is looking for a lender agent I will most definitely


Leo is a great professional and was extremely helpful during our refinance process. Every question we had was answered in a timely manner. Leo was easy to talk to and made sure we understood everything that was presented to us. We were very pleased for the great service he provided us and will absolutely use him again in the future.


Great Choice!
Mckay and Ashlyn Tay from Orange Park, FL
Leo was available whenever we needed him! He was patient and very knowledgeable. He helped us stay on top of everything. The homebuying process would not have gone as smoothly without him. It was a pleasure working with him!

Mckay and Ashlyn Tay

We are very fortunate to have found Leo. Thanks to our real estate agent for suggesting we talk to Leo. We were about to give up on buying a home in the crazy market as we lost bids over and over. Leo had a plan which helped us win our bid and get our forever home. we could not have done it without Leo. The coolest thing was he was able to give us a rate that was lower than our bank along with a lenders credit of $3100 towards our closing costs. We are so grateful. great guy who was looking out for us every step of the process.

Marcus W

Leo was AWESOME! Super helpful, extremely responsive at all hours of the day. Leo made the process of buying our first home painless. We started with our bank and that was not going well as she was not responding to us for a day or 2, seemed like she was too busy for us. Our realtor suggested we call Leo and we are so happy we did, total 180 and gave us a better rate by .75. Would recommend 10/10

Tim Sullivan

Just closed on our home. This is our 3 home purchase and was hands down the easiest one yet. Very good VA rate , we shopped. Smooth sailing throughout the process. Thanks Leo

Tracy W

Amazing service, best rate around. Small refinance but treated like a King! Leo goes above and beyond.


They say you have to have great neighbors! We are so blessed that Leo lives in our community, he was able to take the high rate that the builder gave us and refinance us to a much better rate and save us $227.00 a month. Sure the big incentive from the builder was helpful but we were forced to use their lender to get the incentive. I met Leo at the community pool and he offered to review our mortgage which turned out great. We financed in the closing costs and still are saving money. He was such a good job I referred 4 other neighbors who all have used Leo to refinance and I will send him anyone I know looking for a mortgage. Honest, handworker and great to chat with!


We just relocated from NY to St Augustine and was referred to Leo from our real estate agent. At first we were not so sure we wanted to jump ship from our lifelong bank since we have a long standing relationship with them but we called Leo to see what he had to say. Right from the initial call we had a feeling we made a great decision. He asked lots of questions to make sure he understood our situation and told me to always ask him questions that it was not a bother to him that it was his job and wanted to make sure we understood everything.

We then spoke about rates and bank fees, my bank gave us a rate of 2.50% and $1,495 for processing and underwriting fees but there were charging us 1point to get that rate, Leo gave us a rate of 2.50% No Points and his processing and underwriting was $995...WOW this was amazing, he saved us over $4,500.00.

We are sure happy we took our Realtors advice and called Leo, he was super easy to work with, always responded and we even closed 3 days ahead of closing. My advice is to contact Leo and compare his rates, I know that you can't compare his service, if I could give him a 10 out of 5 I would have!

Tammy S

Leo, was extremely helpful in helping us with a refi of our home. Our payments dropped considerably with his help. The refi was fast and very easy. Would recommend Leo again

Bryan P

Leo Namiot and the Canopy Mortgage team were exceptional to work with. The integrity and professionalism displayed by Leo was unlike any other mortgage processing we have ever gone through! He provided all information up front and followed through to make sure we received everything earlier than expected for our loan! Will definitely recommend him and his team to anyone we know!

Ammie and Brian

Leo went above and beyond multiple times during the process. He was by far the easiest lender to work with, and did a solid job. He and the team at canopy mortgage made the process easy and quick. I woukd recommend Leo to anyone who is needing a lender!

Zack B


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