Stated Income - Jody Canfield

A Streamlined Path to Homeownership

With Stated Income Loans, qualifying for a mortgage becomes simpler for borrowers who prefer not to provide traditional documentation. Instead of relying on tax returns, W-2s, or detailed financial statements, you can state your income and verify it through alternative methods. At Jody Canfield, we make it easier for business owners, investors, and self-employed borrowers to secure the financing they need without unnecessary barriers.

Designed for Self-Employed and Independent Earners

Self-employed individuals often face unique challenges when qualifying for traditional mortgages because deductions and write-offs lower their reported income. A Stated Income Loan provides a solution by allowing you to declare your true income without needing to supply every tax detail. This makes the process smoother and more realistic for those whose income doesn’t fit neatly into conventional underwriting guidelines.

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Flexible and Efficient Approval Process

Stated Income Loans are built around convenience and flexibility. By focusing on declared income and alternative documentation such as bank deposits, credit history, and asset verification, lenders can approve borrowers faster. This streamlined process is ideal for those who need quick financing, such as investors or buyers in competitive housing markets. At Jody Canfield, we tailor this program to ensure your financial strengths are properly highlighted.

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Benefits of Stated Income Loans

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No Traditional Documentation Required: Qualify without W-2s or tax returns.

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Self-Employed Friendly: Ideal for entrepreneurs with complex income structures.

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Streamlined Approval Process: Faster qualification with less paperwork.

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Flexible Income Verification: Based on declared income and alternative proof.

A Powerful Tool for Investors and Entrepreneurs

For investors or entrepreneurs managing multiple income streams, Stated Income Loans provide the flexibility to expand portfolios without lengthy approval delays. Whether you’re purchasing a primary residence, refinancing, or investing in new properties, this loan program gives you the freedom to move forward quickly. Our team helps you structure your loan so you can focus on growing your business or real estate investments while we handle the details.

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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.