THE MORTGAGE-READY TAX PLAN

Keep more of what you make, and still qualify for the home you want.

Included at no extra cost with your tax preparation at A Class Tax Solutions.

Book Your Tax Appointment

THE BALANCE WE PLAN FOR

Pay less to the IRS
Every deduction you're entitled to

and

Show the income lenders look for
So your return helps you buy, not holds you back

Why good earners get told "not yet"

When you apply for a mortgage, the lender looks at the income on your tax returns, often the last two years. Your deductions lower your taxes, but they can also lower the income a lender can count.

That's why so many self-employed people and business owners earn plenty, pay less in taxes, and still hear "not yet" from a lender. Most tax pros never look at your return the way a lender will.

A tax pro who knows both sides of the table

Chantelle Davis is an IRS Enrolled Agent and also a licensed Mortgage Strategist. She knows how to lower your tax bill, and she knows how a lender reads your return. So she can help you find the balance: pay less to the IRS, and still show the income you need to buy.

What the plan includes

A review of your recent tax returns through a lender's eyes

A plan for how your next return should be prepared if you're buying soon

A look at any IRS balances or unfiled returns that could slow you down

A timeline that matches your tax filing to your home search

An introduction to mortgage guidance when you're ready, only if you choose it

This plan is for you if:

You want to buy a home in the next 6 to 24 months

You're self-employed, a 1099 earner or a business owner

You've been told your income "isn't enough" on paper

You want to keep your tax savings and still qualify

How it works

Book your tax appointment

Let us know you're planning to buy.

We review your returns

And build your plan as part of your tax preparation.

You decide the next step

If you'd like mortgage guidance, you can choose to share your information with Chantelle's mortgage team. Sharing is always your choice and never required to get your taxes done.

Common questions

Can my tax return affect my mortgage approval?

Yes. Lenders usually qualify you on the income shown on your tax returns, often the last two years for self-employed borrowers. Large write-offs can lower that income. Planning your returns before you apply helps you keep legitimate deductions while showing the income you need.

How much does the Mortgage-Ready Tax Plan cost?

It is included at no extra cost when A Class Tax Solutions prepares your tax return. If you are planning to buy a home in the next 6 to 24 months, tell us when you book and we will build the plan as part of your tax preparation.

Do I have to use your mortgage services?

No. Mortgage guidance is optional and separate. Your tax return information is shared with Chantelle's mortgage team only if you choose to and sign a written consent, and your tax preparation never depends on that choice.

Your home starts with your return.

Book Your Tax Appointment