If you’re self-employed and thinking about buying or refinancing a home, you’ve probably asked yourself a very reasonable question:

“Should I even use a broker? Don’t I have to pay more?”

Fair question. Logical, even.

But here’s the uncomfortable truth the video makes crystal clear:
If you’re self-employed and not using a broker, you’re trying to build a Ferrari with IKEA instructions. And then wondering why the steering wheel is left over.

This isn’t about hype. It’s about fit, flexibility, and understanding how self-employed income actually works in the real world.

The Real Problem Isn’t the Loan — It’s the Lens

Most retail lenders are built for simplicity. That sounds good… until you realize what it means in practice.

Retail lenders usually have one or two ways to qualify income. That’s it. If your tax returns don’t line up neatly with their checklist, you’re out — not because you can’t afford the home, but because the system doesn’t know how to read you.

Self-employed income has moving parts:

• Variable cash flow

• Write-offs that help you at tax time but hurt you on paper

• Business structures that don’t fit into tidy boxes

Trying to force that into a rigid retail model is like handing a complex blueprint to someone who only knows how to read a W-2.

What a Broker Actually Does (That Others Can’t)

A broker doesn’t try to shove you into whatever product happens to be “on the shelf.”

A broker does the opposite.

They match your business type to the right program, pulling from dozens of qualifying options, not one or two. That flexibility is the difference between:

• A thoughtful approval strategy

• And a quick “sorry, you don’t qualify” email

This is specialization — not guesswork.

The video makes the analogy perfectly:
You wouldn’t hire a general practitioner to perform open-heart surgery. So why trust the complexity of self-employed income to someone who barely knows how to interpret it?

Brokers Aren’t Optional for Self-Employed Borrowers — They’re Essential

This isn’t about preference. It’s about competence.

A broker who works with self-employed borrowers every day understands:

• How income is really evaluated

• Which programs are designed for business owners

• How to build an approval plan instead of hoping for one

And when that broker is also self-employed? That understanding isn’t theoretical — it’s lived.

That’s where experience matters most.

Why This Matters When You Work With Rich Bonn

At Habayit Home Loans, Rich Bonn doesn’t approach self-employed lending as a side category. It’s a core focus.

The philosophy is simple:

• Teach first, sell never

• Build clarity before commitment

• Create approval plans, not pressure

Rich’s role isn’t to push a product. It’s to translate your real financial life into a loan strategy that actually fits, without fear-based language, false urgency, or smoke-and-mirrors promises.

Your approval plan doesn’t start with a rate quote.
It starts with understanding.

The Bottom Line

If you’re self-employed, the question isn’t “Should I use a broker?”

The real question is:
Why would you trust one of the most complex financial decisions of your life to someone who doesn’t specialize in it?

Clarity beats convenience.
Strategy beats shortcuts.
And the right guidance makes all the difference.

Contact Information

Rich Bonn
Habayit Home Loans
📞 281.841.1723
📍 4660 Beechnut St, Ste 225
Houston, TX 77096

Your approval plan starts with clarity — and the right guide makes all the difference.