Real mortgage options for nail salon owners, restaurant owners, and auto shop owners in Houston. Bilingual service in Vietnamese and English.
Licensed in all 50 states | NMLS #2522494 | English and Vietnamese | 832-997-1527
You own a nail salon, restaurant, or auto shop in Houston. Your business brings in real money. Your deposits are solid. But when you tried to get a mortgage, a bank told you no.
Why? Because they only looked at your tax return.
Your tax return shows $30,000 in income. Your bank deposits show $120,000 per year. The gap is not dishonest. It is smart accounting. You wrote off supplies, rent, equipment, and labor. That is what business owners do.
But traditional banks do not see it that way. They do not understand your business. They do not see that you have built something real.
If your first language is Vietnamese, there is another layer. You may have explained your business in English, and something got lost. Or the loan officer did not have experience with business owners like you.
You are not disqualified. You just need a different type of loan and a lender who understands how your business works.
Qualifying for a mortgage as a business owner means proving income in ways traditional W-2 employees never have to. Bank statements tell the real story of your business cash flow. Here are three Houston business owners who found their path to homeownership.
Tax return shows: $4,200/yr
Bank statement qualifying income:
Tax return shows: $80,000/yr
Bank statement qualifying income:
Tax return shows: $35,000/yr
Bank statement qualifying income:
"I tried two banks and got rejected both times. Brandon understood my salon business immediately. He explained everything in Vietnamese. I closed on my home in Bellaire in eight weeks."
Brandon Huynh grew up in Southwest Houston watching his parents build a restaurant business from nothing. He knows the Vietnamese business community, the values, and the challenges.
When he became a loan officer, it was to help families like his own. Families who built real businesses but got turned away by banks that did not understand how they make money.
"I do not just have experience with Vietnamese business owners. I am from the Vietnamese community. I speak your language. I understand that for your family, homeownership means stability and legacy."
Loan Officer, Lock It Mortgage
NMLS #2522494
Bilingual: Vietnamese and English
Backed by 15+ years of combined team experience
Yes. Brandon speaks Vietnamese. When you call, you can speak to him in Vietnamese. He will explain every step of the process in your language. You will understand everything. Getting a mortgage does not require perfect English. It requires a loan officer who speaks your language and respects your business.
Cash deposits absolutely work. If your business deposits cash into a bank account, that is documented. That is what we use. The bank statement shows the deposits. That is proof of income. Many successful business owners run cash-heavy businesses. There are mortgage programs designed for exactly this situation. We will work with your deposits as they are, and we will document them properly so lenders understand.
Family down payment gifts are completely allowed. This is a standard process that happens thousands of times per year. What we need: A gift letter from your family member saying they are giving you money and do not expect repayment. Proof they have the funds. Proof the money moved to you. That is it. No complicated paperwork. This protects both you and the lender.
It is harder with traditional banks that only look at tax returns. But it is not harder with the right lender using the right program. Bank statement loans and non-QM programs are specifically designed for self-employed business owners. Thousands of business owners get approved every year. The question is not whether you can get approved. The question is whether you are working with a lender who understands your business model.
You have options. You have a loan officer who speaks your language and understands your business. The first step is a conversation.
Or call Brandon directly at 832-997-1527
Schedule a 30-minute consultation: Book a free call
Available in Vietnamese. Response within 24 hours.