Bank Statements - Jody Canfield

A Smarter Way for Self-Employed Borrowers to Qualify

With Bank Statement Loans, you can qualify for a mortgage without the need to provide traditional W-2s or tax returns. Instead, lenders use your personal or business bank statements to verify income. This program is ideal for self-employed borrowers, freelancers, independent contractors, and small business owners who may not show their full earnings through conventional documentation. At Jody Canfield, we help you leverage your real income so you can qualify for the home you deserve.

Tailored for Entrepreneurs and Business Owners

Self-employed borrowers often face challenges when applying for traditional mortgages because tax write-offs and business deductions reduce their reported income. Bank Statement Loans solve this problem by focusing on cash flow. By reviewing 12–24 months of bank statements, lenders can get a clearer picture of your true financial strength, making it easier to qualify without compromising your tax strategies.

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Flexible Qualification Options

Bank Statement Loans offer more flexibility than conventional mortgages. Whether you use personal or business statements, lenders evaluate deposits and overall income stability rather than rigid debt-to-income rules. This flexibility provides more opportunities for approval, even if your income structure doesn’t fit into the standard lending box. At Jody Canfield, we match you with the best program so your financial story is properly represented.

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Benefits of Bank Statement Loans

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No Tax Returns Required: Qualify using bank statements instead of W-2s or pay stubs.

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Ideal for Self-Employed Borrowers: Perfect for entrepreneurs, freelancers, and contractors.

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Flexible Qualification Standards: Lenders review deposits, not just taxable income.

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12–24 Month Statement Options: Multiple verification methods to fit your needs.

Empowering Self-Employed Borrowers to Succeed

By using a Bank Statement Loan, you can gain access to financing that reflects your real financial health rather than being limited by paperwork that doesn’t tell the whole story. Whether you’re purchasing your first home, upgrading, or investing in property, this loan program empowers you to take control of your mortgage journey. Our team ensures the process is smooth, transparent, and built around your unique financial picture.

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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.