CANOPY MORTGAGE, LLC
LINDON, UT

Box Home Loans perfectly sums up what the company does because we only lend to customers who fit in the box. By lending exclusively to those who fit “Inside the Box” we have less variables to account which translates into Happy Customers getting better rates and lower fees. While the rest of the lending world boasts that they’ll finance anyone, Box Home Loans chooses to go in the opposite direction exclusively rewarding the financially responsible customers. Southwest Airlines did it with air-travel. Walmart did it with retail. And Ikea did it with furniture. Each of those companies revolutionized how business got done in their respective industry. By dramatically changing how they did business, they accomplished what was previously thought impossible: they slashed prices and created higher quality service at the same time. Box Home Loans is doing just that in the mortgage industry. Jeff’s least favorite course in college was Finance, so how he ended up in the mortgage business is anyone’s guess. Additionally, after getting the first mortgage of his life at the ripe age of 24, he swore to himself that he would never get into the mortgage business. He recalls thinking, “I hate those people—and I will never work in that industry!” A short two months later he landed his first job as commissioned loan officer in an industry he thought he hated. Having been a first-time borrower just two months before entering the business, he says with a chuckle that he “knew exactly how not to treat his clients.” From the beginning, Jeff mastered work-flow and systems that were driven by customer-experience. After just 18 months in the business, Jeff formed a successful mortgage brokerage with Aaron Brown called “Advantage Lending” in 1999. Seven years later in 2006, after years of incubation and planning, they launched Box Home Loans with the mission of changing how mortgages are done in America. Aaron has always dreamed big and loved working with people. His introduction to the mortgage industry came while he was selling life insurance to a neighbor who said “If you can make money selling Life Insurance, then you could make a whole lot more in mortgage lending.” Two months later he was a Loan Officer for City Mortgage making more money in one month than he had the previous year selling life insurance. In 1997 Aaron and that same neighbor started their own mortgage brokerage – Infinity Financial Services. Jeff Reeves became the company’s top producing loan officer from day one. Aaron’s role with Box Home Loans is primarily marketing and he loves being involved with the operations aspect of the business as well. Measuring everything from ROI on marketing campaigns to the finer points of fulfillment allow us to know when we’re on track with our vision as a company: Giving our customers the best experience at the lowest price. Kally’s road to the mortgage business started in a bagel shop. As a starving student, she was looking to get a part time job when an attorney behind her in line offered her employment at her law office. That job started her networking into a real estate brokerage where the office space she worked in was managed by Jeff and Aaron. One day, they literally cornered Kally with a job offer to work for them for a year. In a few short months, she had already developed their passion for the industry and was thrilled to work with employers who shared the same core values that good business (and life) is: innovative, honest, and hard work. That was the year 2000. Today, Kally is the Operations Manager for Box Home Loans over fulfillment at the company. On a daily basis, she is in the day to day fulfillment of loans for our clients. Besides helping to manage the mortgage process, she is a problem solver and huge asset to the management team. Nothing gives her more satisfaction than to save a loan on the verge of decline and make both the client and staff successful in their goals. Box Home Loans is an extended family for Kally and her husband Cliff and wouldn’t have it any other way. Jeff Reeves came to him and asked him if he would be interested in a job with the new company he and his partner were starting, McKay leaped head first into the startup known as Box Home Loans. He was 22, going to school full time and figured it would be a good job to pay the bills until school was finished. Fast forward to today and he’s still enjoying the excitement of Box Home Loans. McKay was the first employee and loan officer at Box Home Loans and has seen the company grow from only lending in Utah, to now a team of loan officers and lending in 25 states (and growing). The thing he enjoys most about being a part of the Box Home Loans team is that the company is always striving to become better. McKay works in loan production and spends his time training and managing the loan production team. Through his leadership, Box Home Loans has a solid loan production team that genuinely care about their clients. She is a rare breed of underwriter, possessing an inhuman amount of knowledge without the ego that typically accompanies that. She never wanted to be the ‘person in the ivory tower that no one liked’ in the mortgage business. She has made it her goal to not be a roadblock for buyers to get a loan, but be there to provide information and knowledge to buyers to ensure they will be able to navigate through the process of making one of the most important decisions in their life. Nanette has seen it all in the industry, and now heads the Underwriting Department at Box Home Loans. She ensures the company is aware of current lending guidelines, consistent and thorough in decision making, and that all underwriters are aware of deadlines that they will meet or exceed expectations of everyone involved in the loan transaction. She and her husband David owned their own successful interior design business as well as a nutrition store. They were neighbors with Aaron who couldn’t hire people fast enough to handle the growth of the company. Naomi and David both decided to make a change where they both have excelled in their individual roles as Processing Manager and Loan Officer.