A Houston lender for the self-employed

Habayit Home Loans is a mortgage lender in Houston that works mostly with people who run their own businesses. The company says many owners earn well but get turned down once a bank reads their tax returns. Its approach is to learn how a business really makes money before anyone files another application.

The office sits in a city where 64 percent of homes heat with electricity, per the American Community Survey (2024). Houston averages 54.3 inches of precipitation and 0.0 inches of snow a year, per NOAA normals for 1991 to 2020.

Habayit Home Loans names Rich Bonn as branch manager. His biography says he lives in Southwest Houston and volunteers locally, including dispatching for Hatzalah and working with people with special needs.

Bank statement and investor loans

Habayit Home Loans lists several programs built around income that does not fit a standard form. Among them are mortgages for 1099 contractors, DSCR loans for real estate investors and bank statement loans that do not require tax returns. It also offers conventional loans along with FHA and VA options.

The office is open weekdays, with an earlier close on Fridays. Reviewers most often describe being self-employed and turned away by other lenders before closing here. Many also mention steady updates during the loan and help with refinancing, and a few write as builders or investors.

A newcomer to Houston who works for themselves can book a consultation and talk through how their business earns before applying for a home loan anywhere.

How does the business describe itself?

You make great money. You built a solid business. The Beige Box looked at your tax returns and decided you can’t afford the home your family has worked for. Your business may tell a very different story when someone takes the time to understand how it makes money. I wake up excited to help people like you turn what they’ve built for their family and community into a home of their own. Before another application, call or book a consultation. Let’s understand your business first.

Taken from its Google listing, read Oct 2026.

What does its Google listing mention?

Wheelchair accessible entrance
Wheelchair accessible parking
Wheelchair accessible restroom
Wheelchair accessible seating
Gender-neutral restroom
Women-owned
On-site parking
Free parking lot
On-site services
Online appointments

Taken from its Google listing, read Oct 2026.

What do Google reviewers say?

5.0 (47) Google Reviews

Ratings as of May 2026. See this business on Google

A BIG shout-out to an incredible lender Rich Bonn who got us CLOSED ON TIME! Not only that the Communication throughout this transaction was amazing. Every Tuesday, like clockwork, I had an update. Expectations were set—and met. If I had a question, I got an answer. No chasing people down, no “let me circle back,” When we hit a bump with a new appraisal review, he walked us through the process, explained what was happening, and kept everyone informed all the way to the closing table.

5 out of 5 Nancy R. Quote shortened.

Rich Bonn and his team at Habayit Home Loans did an excellent job helping our family purchase our new home. After Veterans United told me that I could not be financed or qualify for a home, Rich and his team stepped in, found a solution, and successfully guided us through the entire process. As a business owner, getting approved for a mortgage can be more complicated because your income may not fit the traditional lending guidelines. Rich truly understands how to work with business owners and self-employed borrowers.

5 out of 5 Manuel J. Quote shortened.

I am extremely grateful for my experience with this company. Before finding them, I had tried working with several well-known banks on more than three different occasions and was rejected each time. With one lender, I spent more than six months going through the process, constantly being given hope, only to be told at the very end that they could not approve my loan. Being self-employed, I had become used to hearing about all the limitations and obstacles that came with getting approved. Then I heard about this company, and my experience was completely different.

5 out of 5 Rebeca R. Quote shortened.

These quotes come from Google Reviews and belong to their authors. They can be out of date. Ask for a correction or removal.