Non Traditional Loans - Jody Canfield

Expanding Opportunities Beyond Traditional Lending

With Non-Traditional Loans, also known as Non-QM (Non-Qualified Mortgage) loans, borrowers who don’t meet the rigid requirements of conventional lending can still achieve their homeownership or investment goals. Unlike traditional mortgages that rely heavily on W-2 income and strict debt-to-income ratios, Non-QM loans consider alternative forms of income and financial proof. At Jody Canfield, we specialize in helping clients who fall outside the “standard box” find tailored solutions that work for their unique circumstances.

Designed for Self-Employed and Entrepreneurs

Many hardworking individuals such as business owners, freelancers, and contractors struggle to qualify for traditional mortgages despite having strong financial stability. Non-Traditional Loans are designed with them in mind. Instead of requiring years of tax returns, these programs may use bank statements, cash flow, or asset utilization to verify income. This flexibility allows self-employed clients to secure the financing they deserve without being penalized for how they structure their income.

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Flexible Credit and Income Considerations

Non-QM loans open the door for those with credit challenges or unique income situations. Whether you’ve faced past financial hardships, have irregular income, or need higher loan limits, Non-Traditional Loans can provide the flexibility you need. These programs look at your entire financial picture rather than just a narrow set of rules, giving you greater access to mortgage solutions that align with your life.

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Benefits of Non-Traditional Loans (Non-QM)

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Flexible Qualification Standards: Perfect for borrowers with non-traditional income.

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Self-Employed Friendly: Uses bank statements or assets instead of tax returns.

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Credit Leniency: Options available for borrowers with past credit challenges.

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Higher Loan Limits: Access to financing not always available through conventional loans.

Ideal for Investors and Unique Borrowing Needs

Investors often find Non-Traditional Loans especially beneficial, as they allow for alternative qualification methods that make purchasing or refinancing properties much easier. Whether you’re acquiring multiple properties, tapping into equity, or structuring income creatively, Non-QM loans adapt to your strategy. At Jody Canfield, we guide you through the process to ensure you find the right program that maximizes both opportunity and peace of mind.

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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.