What Rising Oil Prices and Global Uncertainty Mean for Houston Homebuyers Right Now

What Rising Oil Prices and Global Uncertainty Mean for Houston Homebuyers Right Now

Oil prices are up over 50 percent, inflation pressures are building, and the Fed is in no rush to cut rates. Rich at Habayit Home Loans breaks down what is happening in the economy and what it means f... ...more

monday updates

March 30, 2026•6 min read

Oil Prices, Mortgage Rates, and the Houston Housing Market: What Buyers Need to Know Right Now

Oil Prices, Mortgage Rates, and the Houston Housing Market: What Buyers Need to Know Right Now

Rising oil prices are pushing inflation expectations higher and keeping mortgage rates elevated. Rich at Habayit Home Loans breaks down what is happening in the economy and what it means for Houston h... ...more

monday updates

March 16, 2026•5 min read

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 02, 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 business owners. ...more

CPA letter loans

February 20, 2026•2 min read

company logo
The High Desert Group Logo

Contact Us

Rich Bonn, NMLS #278696
Branch Manager

(281) 841-1723

4660 Beechnut Street, Suite 225, Houston, TX 77096

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

Habayit Home Loans a DBA of The Turnkey Foundation Inc
Branch 2523747 | Company 236669

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. You can view our Terms of Service and Privacy Policy at the links provided.