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Unlock Bigger Homes: A Financing Strategy Banks Never Mention

  • Writer: Racheli Refael Smilovits
    Racheli Refael Smilovits
  • Nov 30, 2025
  • 1 min read

Most self employed buyers are told to rely on their tax returns to qualify for a home, but that only tells part of the story. When tax returns show heavy write offs, it can look like income is lower than it really is.



This is where bank statement programs come in. By reviewing business bank statements instead of tax returns, buyers can show their true cash flow, qualify for more, save on taxes, and often get approved for a much bigger home than they thought possible.


If you're self employed and feel stuck because of the numbers on your tax return, there may be a better way forward. I can walk you through the strategy and show you how it works.



Racheli Refael Fairway HOME Mortgage

NMLS 64918

954 800 0330


 
 
 

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