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Houston Market Update: Showings Jump and Rates Dip Below 6% (What Buyers and Sellers Should Do)

Houston Market Update: Showings Jump and Rates Dip Below 6% (What Buyers and Sellers Should Do)

Houston showings are rising as mortgage rates dip below 6% nationally. Here is what the latest weekly data means for pricing, competition, and negotiation strategies. ...more

Monday Updates March 2, 2026 • 3 min read
Houston’s Self-Employed Borrowers Need a Different Kind of Mortgage

Houston’s Self-Employed Borrowers Need a Different Kind of Mortgage

Houston self-employed borrowers often struggle with traditional mortgages. Learn how a 1099 loan works and why it may fit Houston’s entrepreneurial workforce. ...more

1099 Loans February 27, 2026 • 2 min read
Asset Qualification Plus: When “Asset Depletion” Gets a Much Better Explanation

Asset Qualification Plus: When “Asset Depletion” Gets a Much Better Explanation

Asset Qualification Plus—also known as asset depletion—allows borrowers to qualify for a mortgage using liquid assets instead of traditional income. Learn how this strategy works. ...more

Asset Qualification Plus February 26, 2026 • 2 min read
The Investor’s Shortcut That Isn’t Actually a Shortcut

The Investor’s Shortcut That Isn’t Actually a Shortcut

Learn how DSCR loans allow rental properties to qualify based on income instead of personal finances. A practical strategy for scaling a real estate portfolio. ...more

DSCR Loans February 25, 2026 • 2 min read
The WVOE Loan: When a Written Income Verification Changes Everything

The WVOE Loan: When a Written Income Verification Changes Everything

A WVOE Loan uses written verification from your employer to qualify for a mortgage—ideal for commission and bonus earners with non-traditional income. ...more

WVOE Loans February 24, 2026 • 2 min read
Self-Employed in Houston? Your Tax Return Isn’t the Whole Story

Self-Employed in Houston? Your Tax Return Isn’t the Whole Story

Self-Employed and wanting to buy a home in Houston? learn how bank statement loans help self-employed buyers qualify using real deposits instead of tax returns. ...more

Bank Statement Loan February 22, 2026 • 2 min read
The CPA  Letter Mortgage Option: The Mortgage Conversation Self-Employed Borrowers Actually Need

The CPA Letter Mortgage Option: The Mortgage Conversation Self-Employed Borrowers Actually Need

Self-employed and struggling to qualify for a home with tax returns alone? Learn how CPA income letter mortgage programs can provide a clearer path for ...more

CPA Letter Loans February 20, 2026 • 2 min read
ITIN Loans in Houston: The Homeownership Path You May Not Know You Have

ITIN Loans in Houston: The Homeownership Path You May Not Know You Have

Looking to buy a home in Houston and have an ITIN? Learn how ITIN loans work, what lenders look for, and how qualified borrowers can ...more

ITIN Loans February 19, 2026 • 2 min read
The P&L Loan: The Mortgage Strategy Most Business Owners Don’t Know They’re Allowed to Use

The P&L Loan: The Mortgage Strategy Most Business Owners Don’t Know They’re Allowed to Use

Discover how a P&L loan allows business owners to qualify for a mortgage using a CPA-prepared Profit & Loss statement instead of relying solely on ...more

P&L Loans February 18, 2026 • 2 min read
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Rich Bonn, NMLS #278696

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  • (281) 841-1723
  • rich@habayithomeloans.com
  • 4660 Beechnut Street, Suite 225,
    Houston, TX 77096

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Copyright 2026. All rights reserved. Rich Bonn NMLS #278696 | Habayit Home Loans a DBA of The Turnkey Foundation Inc Branch 2523747 | Company 236669 Equal Housing Opportunity | Equal Housing Lender

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEB SITE AT WWW.SML.TEXAS.GOV.

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