Self Employed - Jody Canfield

Designed for Entrepreneurs and Business Owners

With Jody Canfield, we understand that self-employed professionals don’t always fit into the traditional mortgage box. Tax returns may not show the full picture of your income, but that shouldn’t prevent you from owning a home or expanding your investments. Our Self-Employed Loan programs are built specifically for entrepreneurs, freelancers, contractors, and business owners, providing flexible pathways to financing without unnecessary roadblocks.

Alternative Documentation for Real Financial Strength

Unlike standard loans that rely heavily on W-2s and pay stubs, our programs allow you to qualify using 12–24 months of bank statements, stated income options, or asset utilization strategies. This means your true earning power is recognized, giving you the ability to secure financing that reflects your actual financial capabilities rather than just what’s shown on your tax returns.

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Customized Loan Options with Competitive Terms

We work with a wide range of lenders to ensure that you receive the most competitive rates and terms available. Whether you are looking to purchase your first home, refinance to reduce your payments, or invest in real estate to grow your portfolio, our self-employed loan solutions can be tailored to meet your personal and professional goals. Flexibility, affordability, and customization are at the heart of what we do.

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Benefits of Self-Employed Loans

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Flexible Qualification: Use bank statements, stated income, or asset-based methods to qualify.

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Tailored Solutions: Programs designed specifically for entrepreneurs and business owners.

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Competitive Rates: Access fair and affordable interest rates despite non-traditional income.

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Versatile Options: Perfect for home purchases, refinancing, or investment properties.

A Guided Process from Start to Finish

Securing financing as a self-employed borrower can feel overwhelming, but with Jody Canfield, you’ll never have to navigate it alone. Our dedicated mortgage experts walk you through every step of the process — from understanding your options and gathering documents to approval and closing. We focus on making the journey simple, transparent, and stress-free so you can stay focused on running your business while we handle the financing.

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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.