Asset Utilization - Jody Canfield

Turning Assets Into Lending Power

With Asset Utilization Loans, you can qualify for a mortgage based on the value of your liquid assets rather than traditional income verification. Instead of requiring pay stubs, W-2s, or tax returns, lenders calculate your repayment ability by reviewing your savings, investment accounts, or other liquid assets. At Jody Canfield, we help clients transform their financial reserves into borrowing power, making homeownership and investment opportunities more accessible.

Ideal for Retirees and High-Asset Borrowers

For retirees, high-net-worth individuals, or those who live off investments, proving income can be challenging even though they have substantial financial stability. Asset Utilization Loans provide a flexible solution by allowing you to leverage your assets as proof of repayment capability. This ensures that financially strong borrowers aren’t restricted by outdated qualification standards.

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Flexible Options for Diverse Financial Situations

Asset Utilization Loans are not one-size-fits-all. Lenders may review retirement accounts, brokerage statements, savings accounts, and other verified assets to determine eligibility. This flexibility makes the program valuable for a wide variety of borrowers, from retirees and investors to entrepreneurs who rely on non-traditional income sources. At Jody Canfield, we customize the process to fit your financial situation and long-term goals.

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Benefits of Asset Utilization Loans

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No Traditional Income Required: Qualify using assets instead of employment income.

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Retiree-Friendly Program: Designed for those living off retirement funds or investments.

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High-Net-Worth Solution: Perfect for borrowers with significant financial reserves.

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Ideal for Diverse Property Types: Great for primary homes, second homes, and investments.

Empowering Borrowers With Financial Freedom

By using assets rather than income to qualify, borrowers gain greater financial freedom to purchase primary residences, second homes, or investment properties. Whether you’re looking to downsize in retirement, upgrade to a dream home, or diversify your real estate portfolio, Asset Utilization Loans provide the path forward. Our team ensures the process is smooth, transparent, and aligned with your financial strategy.

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Why Choose Us

With Jody Canfield, you gain more than just access to mortgage programs—you gain a dedicated partner who puts your goals first. We combine industry expertise, local market knowledge, and personalized guidance to deliver financing solutions that fit your life, not just the paperwork. From self-employed borrowers to first-time buyers and seasoned investors, our focus is on creating a seamless, transparent, and empowering lending experience.

We are known for

Personalized mortgage solutions crafted to fit every borrower’s needs.

Specialized programs designed for self-employed

Transparent guidance that keeps the lending process stress-free.

Local expertise with deep knowledge of CA, OR, WA, and TX.

"FAQs"

Your Trusted Mortgage Partner in CA, OR, WA, and TX

With Jody Canfield, finding the right loan program becomes a simple, stress-free experience. We specialize in providing a wide range of financing options — from Conventional, FHA, and VA loans to investment-focused programs like DSCR, Fix and Flip, and Hard Money Loans. Our mission is to match every client with a loan that fits their unique goals, whether it’s purchasing a first home, refinancing for savings, or growing a real estate portfolio. With licenses across California, Oregon, Washington, and Texas, we bring local expertise combined with nationwide resources to deliver the most competitive solutions available. Every client receives personalized guidance, clear communication, and expert support, ensuring confidence at every step of the process.