Why Choose Rich Bonn for a Bank Statement Loan in Houston?

December 10, 2025•3 min read

Why Choose Rich Bonn for a Bank Statement Loan in Houston?

If you’re self-employed and searching for a bank statement loan mortgage broker in Houston, it’s probably because a traditional lender already made things harder than they needed to be.

On paper, your tax returns don’t reflect how you really earn. In real life, your bank accounts clearly do. That gap between reality and underwriting is where most buyers get stuck, even when they can comfortably afford a home.

This is exactly the problem Rich Bonn helps solve.

When Your Income Is Real but Your Tax Returns Say Otherwise

Business owners, freelancers, consultants, and commission earners often use legitimate tax strategies that reduce taxable income. That’s smart for running a business, but it confuses lenders who rely only on W-2s and tax returns.

When buyers ask, “Can I get a mortgage using bank statements instead of tax returns?”, the correct answer isn’t just “yes.” It’s “yes, if it’s done correctly.”

That’s where the right mortgage broker matters.

Meet Rich Bonn, Houston Bank Statement Loan Specialist

Rich Bonn is a Houston mortgage broker with over 30 years of experience and the founder of Habayit Home Loans. He’s known for helping self-employed borrowers qualify using bank statement loans when traditional lending guidelines fall short.

Instead of forcing borrowers into outdated rules, Rich focuses on how income actually flows. He asks better questions, reviews patterns carefully, and structures loans in a way underwriters can clearly understand.

For many of his clients, Rich is the second call, after the first lender said no.

Why Bank Statement Loans Require Experience, Not Guesswork

Bank statement loans aren’t complicated, but they are precise. Small details can make or break an approval. Which accounts are used, how deposits are calculated, how consistency is explained, and how expenses are viewed all matter.

Many lenders advertise bank statement loans. Far fewer know how to present them cleanly, defend them confidently, and guide borrowers through the process without surprises.

This experience gap is often the difference between a smooth closing and weeks of unnecessary stress.

How Rich Bonn Approaches Bank Statement Loans Differently

Rich’s process is designed to create clarity instead of confusion.

He starts with a real conversation about your business, your income patterns, and your goals. If a bank statement loan is the right fit, he structures it properly from the beginning. If another option would serve you better, he explains that too.

There’s no pressure, no smoke, and no mystery. Just a clear path forward.

What Happens When the Right Lender Handles It

When a bank statement loan is handled correctly, buyers usually experience:

Fewer underwriting surprises
Clear expectations from the start
A smoother, more predictable closing
Confidence that their loan actually fits their financial reality

Rich also educates buyers along the way, so they understand what’s happening and why. He’s the author of Buy a Home, Be a Hero, a guide written to make the mortgage process less intimidating and more transparent.

Why Houston Buyers Choose Rich Bonn

Homebuyers often say the same things after working with Rich:

“He explained everything clearly.”
“He understood my income.”
“The process finally made sense.”

Rich works extensively in Inner Loop Houston and Southwest Houston, but helps self-employed buyers throughout Texas who need a mortgage broker that understands bank statement loans.

If You Don’t Get the Right Guidance

Buyers who give up after one denial often keep renting longer than they want or assume homeownership isn’t realistic. Others move forward with lenders who lack experience and end up dealing with delays, document whiplash, or last-minute changes.

Those outcomes are avoidable with the right guide.