Habayit Home Loans

Habayit Home Loans NMLS #278696 You've heard the horror stories...how hard it is to qualify, not to mention the fighting, shopping, and haggling to get a good rate.

Habayit Home Loans | How to get a Mortgage when your tax return says “NO”!

📌HOUSTON, TEXAS

Helping self-employed Texans turn business income into homeownership 🏡
Mortgages for entrepreneurs, 1099 earners & investors. We've got great news...When you're ready, the next step in getting a low rate mortgage made easy is to contact us so we can review your unique situation and make sure that you get a

low rate mortgage without the stress and hassle. Habayit Home Loans is a mortgage broker dedicated to helping you find the best possible mortgage for your needs. Our team of experienced professionals has helped hundreds of people buy their dream homes, and we're here to help you too. We offer a wide variety of mortgage products, and we'll work with you to find the one that's right for you.

06/01/2026

Happy Monday everyone and happy first day of hurricane season. Rich here and I know that sounds a little like saying happy hunger games but let's hope it stays quiet out there.

Let's talk about what is actually happening in the market because there is a lot to cover.
Iran is running the headlines right now. The president of Iran stepped down over the weekend and honestly it is hard to tell what that means with the tweets flying in every direction. What we do know is that oil prices continue to drive the inflation story we have been talking about since March. The PCE, which is one of the Fed's favorite inflation measures, came in significantly elevated. GDP was down in the first quarter but with rising inflation we are likely to see stronger numbers ahead. Durable goods orders jumped 7.9% in April which is a massive number. Jobless claims rose 5,000 to 215,000.

Now here is the real estate picture. Closings were up almost 4% this week with a lot of buyers pushing to get into homes before Memorial Day. Showings are up and new listings are ticking higher. Sellers are starting to get more flexible on pricing given current inventory levels and that is creating real opportunity for buyers right now.

Is it a good time to buy? Fannie Mae and Pulsenomics project home prices will rise about 2.5% over the next year and approximately 14% cumulatively over the next five years. On a $500,000 home that is roughly $70,000 in equity growth on top of the principal you are paying down. Put 5% down and gain $70,000 in equity? That is a remarkable return.

For self-employed buyers who have been told no by the big banks, we have a 12-month bank statement loan program that can get you into a home with as little as 10% down.
Big news coming soon too: a new book on how to build a legacy through real estate is currently in proofreading and will be available soon. Stay tuned.

Graduation is over. It is time to get into the home of your dreams. Have an amazing week.

8.122% APR based on a $650,000 purchase with 10% down and a 750 credit score for a 30-year fixed-rate mortgage. Monthly principal and interest payments are approximately $4,090.41. Escrow for taxes and insurance is required. Payment does not include taxes, insurance, or mortgage insurance; actual payment will be higher. Rates subject to change. Equal Housing Lender.

Most loan officers are trying to get people approved.I’m trying to help people take their life back. 🔥For 31+ years, I’v...
05/27/2026

Most loan officers are trying to get people approved.

I’m trying to help people take their life back. 🔥

For 31+ years, I’ve watched hardworking self-employed people get punished for doing exactly what their CPA told them to do:
Write things off.
Reduce taxable income.
Run a smart business.

Then they walk into a bank…
and suddenly the same tax return that saved them money is now being used against them.

“We’ll try again next year.”
Translation?
“Your dream can wait.”

Nah. Not on my watch.

I love helping the people who don’t fit neatly into the little banker boxes:
✔ Entrepreneurs
✔ Contractors
✔ Realtors
✔ Investors
✔ Business owners
✔ 1099 earners
✔ People building something REAL

That’s why I’m obsessed with learning this business deeper.

That’s why I’m up at 4:30 AM.
That’s why I fight so hard for my clients.

I don’t just do mortgages.
I help people build wealth, freedom, and legacies.

You in? 🏡💥

Hashtags-

05/25/2026

Happy Memorial Day everyone, it is Rich. Recording this on Thursday because Friday is a Jewish holiday and apparently my team has a personal life. I just live for mortgages and for y'all so here we go.

Let's talk about what is happening in the rate market because holy smokes it has been getting hit hard.

Two things are driving rates up right now. First, oil prices. We have talked about this for weeks. Oil up means inflation up means rates up. We just had a 3.8% inflation reading and the Fed meeting minutes from April just dropped and they are looking hawkish. That means if inflation does not come back down toward the 2% target, the Fed is openly discussing the possibility of raising rates. Second, the Fed has slowed its purchase of Treasury bills which is pushing yields higher. Since late last week rates have moved up between half a percent and three quarters of a percent. That is a significant move in a very short window.

I cannot tell you where rates go from here but I can tell you we are locking everyone in right now because we are genuinely concerned rates keep climbing. If you like your rate, lock it today. Do not wait.

On the Houston housing side, new listings are up 0.3%, closings are up 2.4% year over year, and showings are up about 11% despite the rate increases which tells me buyers are still engaged and motivated. Pending listings are slightly down but that reflects the pipeline clearing out. Also worth noting, single family lease prices in Houston are down about 2.6% from April 2024 to April 2025, which could signal that some renters are feeling the inflation pressure and adjusting. The rental market is still healthy overall though.

One more thing. A huge thank you to everyone who came out on Wednesday the 20th for More Calls More Clients More Closings at Steuart Title. Tim absolutely crushed it covering personal branding with AI and we had an incredible session on Non-QM lending. For everyone who braved the rain, lightning, and Galleria traffic to be there, you are legends. We are launching an exclusive weekly email just for attendees with deeper dives on each branding strategy Tim covered. If you were not there, keep an eye out because this event may be coming to a city near you soon.

Questions on rates, the market, or anything else? Give me a call. This is Rich at Habayit Home Loans. Have a great week.

05/21/2026

What a day. 🔥

Seeing a room full of driven Realtors, entrepreneurs, and industry professionals come together to learn, grow, and level up was incredible. Huge thank you to everyone who came out to MORE CALLS. MORE CLIENTS. MORE CLOSINGS!

Tim Davis brought powerful branding and AI strategies that are changing the way business gets done, and I loved getting the chance to teach more about non-traditional mortgage solutions for self-employed buyers, investors, 1099 earners, and entrepreneurs whose tax returns don’t always tell the full story.

The energy in the room was unreal.
The conversations were real.
And the strategies shared were built for TODAY’S market.

Thank you for spending the day learning with us, laughing with us, and investing in your future. We appreciate every single one of you and cannot wait to see how you implement these ideas into your business. 🚀

This was more than a CE event.
This was momentum.

Stay cool cats,
Rich Bonn, Tim Davis, Kevin Davidson, Juliana Bareford, and all the lovely people who said yes to being interviewed for this video.

05/21/2026

Thanks so much to Lauri Wilson for attending MORE CALLS. MORE CLIENTS. MORE CLOSINGS... and HUGE congratulations on winning the raffle! 🎉

This event was absolutely electric.

The Room was filled with Realtors learning real-world strategies on:
✅ Personal Branding
✅ AI & Marketing
✅ More Visibility
✅ More Conversations
✅ More Closings
✅ How to save deals other lenders miss

If you missed this one, you missed a TON. The ideas shared in that room are the kind of strategies that can completely change the direction of a business.

The energy, the laughs, the networking, the breakthrough moments… Houston showed up even with the crazy amounts of rain and traffic.

We’ll be sharing more content, more takeaways, and more behind-the-scenes moments soon. Stay tuned… because the people who attended are already putting these strategies into motion. 🚀

Thank you again to everyone who came out and made this event unforgettable.





















05/19/2026

We are officially ONE DAY AWAY from
🔥 MORE CALLS! MORE CLIENTS! MORE CLOSINGS! 🔥

📍Location
1360 Post Oak Blvd. Suite #100
Houston, TX 77056

SIGN UP HERE:
https://lnkd.in/gF66muB3

Today Kevin, Juliana and I (and my crew), turned the office into full-on “event prep chaos mode” packing swag bags, branding goodies, marketing tools, and a few surprises that might just make your business stand out a little louder in Houston. 🚀

Tomorrow is all about helping Realtors:
✅ Build a brand people actually remember
✅ Use AI to create more visibility and opportunities
✅ Learn mortgage strategies most agents NEVER hear about
✅ Better serve self-employed buyers, entrepreneurs, and non-traditional income clients

Tim Davis is fired up and ready to bring serious energy around personal branding and AI strategies that helped grow our business 519% year over year.

And I cannot wait to show you how to stop losing deals because a buyer’s tax returns “don’t fit the box.”

This is going to be fast-paced, high-energy, practical, and packed with ideas you can actually use immediately.

Houston… we’re ready.
See y’all tomorrow.

Stay cool cats,
Rich, Kevin & Juliana



















05/18/2026

Happy Monday everyone, it is Rich and I am actually recording this on Monday today which is a rare treat. Here is why I am pumped.

In two days we have a massive event taking place at Steuart Title corporate office in the Galleria. I am flying in my coach Tim Davis, the mastermind behind our 519% year-over-year business growth. We are covering personal branding mastery with AI and how to get a mortgage when your tax return says no. Realtors, you also walk out with four CE credits. Knowledge and credits. Link below to register and you need to sign up now.

Now let's talk about what is going on in the market because there is a lot worth paying attention to.

On the mortgage side, the spread between the 10-year Treasury and mortgage backed securities is shrinking, which means relatively speaking mortgage rates are more favorable compared to the Treasury than they have been. We are not in the sevens. This is a genuinely good time to buy.

The producer price index came in 0.1% higher than expected last week. This is exactly what we talked about happening back in March when the Iran situation started. Oil prices spiked, gas prices went up, and when gas goes up everything goes up because energy is at the core of the entire economy. The Strait of Hormuz being largely shut down is hurting globally too. The UAE economy has fallen 6.8% in the last month from the closure and reduced Iranian natural gas capacity. This is something to watch for the longer term.

On the Houston real estate side, the numbers are telling a great story. Showings are up 8.8%. Listing views up 3.8%. Closings were slightly down last week but that is because all the homes that went under contract recently will not show in closing numbers until May or June. We are going to see an influx of closings coming. Inventory is also starting to come down, which is a massive signal for sellers that the market is strong. Price your home right and it will move.

Register for the event at the link below. Let's make the second half of the year count. This is Rich. Have a great week.

We are working like dogs🐾 to prepare for MORE CALLS. MORE CLIENTS. MORE CLOSINGS. Seminar happening in 2 DAYS!!!The most...
05/18/2026

We are working like dogs🐾 to prepare for MORE CALLS. MORE CLIENTS. MORE CLOSINGS. Seminar happening in 2 DAYS!!!

The most exciting Real Estate seminar in history, taught by Tim Davis and I, focuses on branding, AI, marketing, and non-traditional mortgage strategies built for today’s market.

Don't make us use our puppy dog eyes... come join us this Wednesday to learn, have fun, and most important, learn how to grow in this industry.

SIGN UP HERE:
https://lnkd.in/gF66muB3

🐶🐕🐕‍🦺🦮🐩
9:30 AM – 2:30 PM
1360 Post Oak Blvd. Suite #100
Houston, TX 77056

Helping friends become homeowners will always hit different 🏡✨Today I helped one of my friends purchase a home using a b...
05/15/2026

Helping friends become homeowners will always hit different 🏡✨

Today I helped one of my friends purchase a home using a bank statement loan!

Just because your tax returns don’t show the full picture doesn’t mean homeownership is out of reach. There are options for self-employed buyers, entrepreneurs, and 1099 earners 🙌

So happy and proud to be part of this journey 💛

Another investment property secured 🏡📈Had the opportunity to help a returning investor purchase another property using a...
05/15/2026

Another investment property secured 🏡📈

Had the opportunity to help a returning investor purchase another property using a DSCR loan 🙌

One of the best parts about working with investors is helping them continue to grow their portfolio and create long-term wealth.

DSCR loans can be a great option for investors looking to qualify based on the property’s cash flow instead of personal income.

Excited to see this client keep building 💼✨

Address

4660 Beechnut Street, Suite 225
Houston, TX
77096

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+12818411723

Website

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