Mortgage Approval Without Two Years of Tax Returns — Yes, It’s Possible

Mortgage Approval Without Two Years of Tax Returns — Yes, It’s Possible

Mortgage Approval Without Two Years of Tax Returns — Yes, It’s PossibleRich Bonn
Published on: 17/02/2026

Do you need two years of tax returns to get a mortgage? Not always. Learn how self-employed borrowers can qualify using bank statements, 1099s, or alternative documentation in Houston.

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Alt Doc Mortgages Explained: Qualifying Without Tax Returns

Alt Doc Mortgages Explained: Qualifying Without Tax Returns

Alt Doc Mortgages Explained: Qualifying Without Tax ReturnsRich Bonn
Published on: 04/02/2026

Think you need tax returns to qualify for a mortgage? Think again. Learn how Alt Doc loans use smarter documentation to help self-employed borrowers qualify with confidence.

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Rich Bonn Explains Why Self-Employed Buyers Don’t Need to Fear the Down Payment

Rich Bonn Explains Why Self-Employed Buyers Don’t Need to Fear the Down Payment

Rich Bonn Explains Why Self-Employed Buyers Don’t Need to Fear the Down PaymentRich Bonn
Published on: 22/01/2026

Rich Bonn explains why self-employed homebuyers often don’t need massive down payments—and how the right loan structure makes the difference.

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Your Income Isn’t Broken—The Traditional Mortgage System Just Wasn’t Built for You

Your Income Isn’t Broken—The Traditional Mortgage System Just Wasn’t Built for You

Your Income Isn’t Broken—The Traditional Mortgage System Just Wasn’t Built for YouRich Bonn
Published on: 21/01/2026

Self-employed and confused about income? Learn how lenders really calculate income using bank statements, P&Ls, 1099s, and DSCR loans.

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Rich Bonn, NMLS #278696
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(281) 841-1723
4660 Beechnut Street, Suite #225, Houston, TX 77096
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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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