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: When “Asset Depletion” Gets a Much Better ExplanationRich Bonn
Published on: 26/02/2026

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.

Asset Qualification Plus
The Investor’s Shortcut That Isn’t Actually a Shortcut

The Investor’s Shortcut That Isn’t Actually a Shortcut

The Investor’s Shortcut That Isn’t Actually a ShortcutRich Bonn
Published on: 25/02/2026

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.

DSCR Loans
The WVOE Loan: When a Written Income Verification Changes Everything

The WVOE Loan: When a Written Income Verification Changes Everything

The WVOE Loan: When a Written Income Verification Changes EverythingRich Bonn
Published on: 24/02/2026

A WVOE Loan uses written verification from your employer to qualify for a mortgage—ideal for commission and bonus earners with non-traditional income.

WVOE Loans
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 in Houston? Your Tax Return Isn’t the Whole StoryRich Bonn
Published on: 22/02/2026

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.

Bank Statement Loan
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Rich Bonn, NMLS #278696
Branch Manager

(281) 841-1723

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

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.

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