HELOCs - Jody Canfield

Unlocking the Value of Your Home

With a Home Equity Line of Credit, you can turn the equity you’ve built in your home into a powerful financial resource. Unlike a standard loan where you receive a lump sum upfront, a HELOC functions as a revolving line of credit. This means you can borrow, repay, and borrow again as needed—providing ongoing access to funds without having to reapply. At Jody Canfield, we help you explore the best way to put your home’s equity to work while keeping your long-term financial health in mind.

Flexibility for Every Purpose

Life is full of both planned and unexpected expenses, and a HELOC is designed to adapt to them all. Many homeowners use a HELOC to fund major renovations that increase their home’s value, while others use it to consolidate high-interest debt, cover education costs, or prepare for medical and emergency expenses. Unlike traditional financing, you don’t need to withdraw all the funds at once—you have the control to draw money only when it’s required, ensuring you use your equity efficiently.

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Competitive Rates and Smart Borrowing

One of the greatest advantages of a HELOC is cost savings. HELOCs typically offer lower interest rates compared to personal loans and credit cards, making them a smarter borrowing choice. Plus, you only pay interest on the amount you borrow—not the full line of credit—so your monthly obligations can remain lower and more manageable. With Jody Canfield, we provide guidance to help you structure a HELOC that fits your financial goals, whether you want short-term relief, long-term growth, or both.

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Benefits of HELOCs

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Flexible Access to Funds: Borrow on demand instead of a one-time lump sum.

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Revolving Credit Line: Withdraw and repay multiple times without reapplying.

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Lower Interest Rates: More affordable than high-interest credit cards and personal loans.

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Interest-Only Options: Keep payments low during the draw period while managing cash flow.

Build, Borrow, and Benefit

A HELOC grows with your home. As you continue paying down your mortgage and as your property’s market value rises, the equity available to you increases. This means more borrowing power over time, giving you the ability to reinvest in your home or use the funds for personal milestones. By strategically using your HELOC—such as financing renovations that increase home value—you can create a cycle of growth where your investment keeps paying you back.

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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.