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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
When Your CPA’s Letter Matters More Than Your Tax Return

When Your CPA’s Letter Matters More Than Your Tax Return

Can your CPA help you qualify for a mortgage? Learn how CPA income letter loan programs work and when they make sense for self-employed borrowers. ...more

CPA Letter Loans February 8, 2026 • 3 min read
When the Underwriter Doesn’t “Get” Your Income—But Your CPA Does

When the Underwriter Doesn’t “Get” Your Income—But Your CPA Does

Not all income fits neatly on a tax return. Learn how CPA income letters can help self-employed borrowers qualify for the right mortgage. ...more

CPA Letter Loans January 25, 2026 • 2 min read
When Your CPA Can Write Your Income: A Little-Known Mortgage Option for Business Owners

When Your CPA Can Write Your Income: A Little-Known Mortgage Option for Business Owners

Self-employed or complex income? Some mortgage programs allow CPA income letters instead of tax returns. Learn how it works and when it fits. ...more

CPA Letter Loans December 31, 2025 • 2 min read
Habayit Home Loans
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Rich Bonn, NMLS #278696

Branch Manager

  • (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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