Habayit Home Loans
About Us Blog Programs Contact us
Calculators
Rent vs Own Refinance Affordability Net Proceeds
Accessibility Assistance
Apply Online
What Is an ITIN Loan—and Why It’s One of the Most Important Homeownership Programs in Texas

What Is an ITIN Loan—and Why It’s One of the Most Important Homeownership Programs in Texas

What is an ITIN loan and who is it for? Learn how ITIN mortgages help qualified borrowers without a Social Security number buy homes in ...more

ITIN Loans January 14, 2026 • 3 min read
The 50-Year Mortgage: Why a Longer Loan Can Be a Smarter Wealth Strategy

The 50-Year Mortgage: Why a Longer Loan Can Be a Smarter Wealth Strategy

A clear, practical breakdown of how a 50-year mortgage can support real-world homeownership, improve affordability, and help buyers benefit from long-term appreciation without sacrificing lifestyle. ...more

50 year mortgage January 13, 2026 • 3 min read
The V.O.E. Loan: The Loan Designed for Paychecks That Don’t Behave

The V.O.E. Loan: The Loan Designed for Paychecks That Don’t Behave

Discover how a V.O.E. (Verification of Employment) loan helps commission and bonus-based earners qualify for a mortgage without tax returns or pay stubs. ...more

WVOE Loans January 11, 2026 • 3 min read
A Market on a Teeter-Totter: What the Latest Mortgage News Really Means for Homebuyers

A Market on a Teeter-Totter: What the Latest Mortgage News Really Means for Homebuyers

Some weeks in the mortgage world are quiet. Others feel like someone jumped on the seesaw while you were still finding your balance. This was ...more

Monday Updates January 11, 2026 • 4 min read
Mortgage Truths for Entrepreneurs: Why One Income Dip Isn’t a Deal Breaker

Mortgage Truths for Entrepreneurs: Why One Income Dip Isn’t a Deal Breaker

Income dip doesn’t mean mortgage denial. Learn how self-employed buyers can still qualify using smart loan strategies that look beyond temporary declines. ...more

Alternative Documents January 9, 2026 • 2 min read
Why Self-Employed Borrowers Should Stop Guessing — and Start Using a Broker Who Actually Gets It

Why Self-Employed Borrowers Should Stop Guessing — and Start Using a Broker Who Actually Gets It

Self-employed and buying a home? Learn why working with a specialized mortgage broker gives business owners more options, smarter income qualification, and clearer approval strategies. ...more

Alternative Documents January 8, 2026 • 3 min read
Self-Employed and Worried About a Big Down Payment? Rich Bonn Clears Up the Myth

Self-Employed and Worried About a Big Down Payment? Rich Bonn Clears Up the Myth

Think self-employed buyers need massive down payments for a mortgage? Learn why that’s usually not true and how the right loan program can change everything. ...more

Alternative Documents January 6, 2026 • 2 min read
Home Affordability Isn’t Dead. It’s Just Been Misunderstood.

Home Affordability Isn’t Dead. It’s Just Been Misunderstood.

If you’ve been listening to headlines lately, you’d think buying a home requires either a time machine or a winning lottery ticket. Good news: neither ...more

Monday Updates January 4, 2026 • 4 min read
The Mortgage “Cheat Code” Business Owners Rarely Ask About (And Why a P&L Loan Might Be Exactly What You’ve Been Missing)

The Mortgage “Cheat Code” Business Owners Rarely Ask About (And Why a P&L Loan Might Be Exactly What You’ve Been Missing)

A P&L loan helps business owners qualify for a mortgage using real business performance—not outdated tax returns. Learn how it works and who it’s for, ...more

P&L Loans January 2, 2026 • 3 min read
Habayit Home Loans
Equal Housing Opportunity KFI
  • LinkedIn
  • TikTok
  • Facebook
  • YouTube
  • Instagram
  • Google

Contact Us

Rich Bonn, NMLS #278696

Branch Manager

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

Important Pages

  • Accessibility Assistance
  • Privacy Policy
  • Terms of Service

Site Accessibility Assistance

Habayit Home Loans is committed to ensuring our website is accessible to all users, including individuals with disabilities. If you experience any difficulty accessing content or wish to request an accommodation, please CONTACT US HERE. When reaching out, include the web page URL and a description of the issue you encountered.

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.

By submitting any forms on this page or website and providing your mobile number, you are opting in and consent to receive text messages at the number provided, including messages that may be marketing or promotional, or for customer support. Messages may be automated or sent by an autodialer. Message and data rates may apply. There is no purchase necessary, and message frequency varies. Reply STOP to cancel and HELP for help.