Mortgage & Commercial Lending News.

Houston's premier blog for all things related to Commercial and Residential Hard Money Loans.


Is buying a house in Houston at the close of 2022 smart? A Hard Money Lenders' Perspective.

Posted by Jim Emerson

Nov 28, 2022 12:00:00 PM

 In a previous entry Is it still a good time to buy a house in Houston? A Hard Money Lenders' Perspective investing in real estate in Houston, we stated that the US economy is facing complicated macroeconomic forces. This statement has been proven true once again in the past few days.

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Topics: loans, houston hard money lenders, buying new home, AMI Lenders

With increasing mortgage rates, should you invest in real estate at the end of 2022?

Posted by Jim Emerson

Nov 11, 2022 5:00:00 PM

Maybe your brother-in-law, next-door neighbor, or a colleague at work, has told you that the real estate market "is going down the drain." They probably said to you that mortgage rates are at "unpayable levels" and that one of the following is going to happen: recession, lack of buyers, loss of equity as home prices fall, higher interest rates, and lack of lenders, among many others.

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Topics: houston, houston hard money lenders, AMI Lenders, Real Estate Investment

Multifamily properties pose a good opportunity for real estate investors

Posted by Jim Emerson

Oct 26, 2022 12:32:32 PM

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Topics: hard money lenders, houston, real estate, private money lender, real estate investors, AMI Lenders

Despite rising interest rates, 2022 is still a good year to invest in commercial real estate with the financing of private lenders.

Posted by Jim Emerson

Oct 3, 2022 5:00:00 PM

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Topics: Hard Money Loans, houston, commercial hard money loan, private money lender, AMI Lenders, Real Estate Investment, Commercial property

Make sure You Understand your Finances when Applying for a Private Mortgage Loan.

Posted by Jim Emerson

Sep 27, 2022 12:00:00 PM

At AMI Lenders, we believe 2022 is still a good time, especially for first-time buyers, to get a mortgage and purchase a lovely house for you and your family. Interest rates are still attractive compared to previous decades, and house price increases have slowed since the recent pandemic. Finally, buying a house with a fixed-rate mortgage is still a good hedge against inflation's effects.

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Topics: hard money lenders, mortgage loans, houston, loans, AMI Lenders, mortgage

When Things Get Complicated for a While: Missing a Mortgage Payment and what to do about it

Posted by Jim Emerson

Sep 9, 2022 12:00:00 PM

Our outlook on real estate and life is usually quite positive at AMI Lenders. That's why our blog is choc-full-of upbeat advice on what to do and think about when you're evaluating purchasing a house or investing in real estate—always looking optimistically towards the future. But we noticed lately that we barely touch upon themes about your mortgage or hard-money loan once you have received the money. We expect our clients to meet all their obligations on time, but that is not always the case. As such, we thought it would be a good idea to touch on some thorny issues that can happen when things don't go our client's way. Hopefully, they will never materialize for you, our faithful reader.

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Topics: houston, private money lender, AMI Lenders, mortgage

Exploring the dilemma between renting or owning a house

Posted by Jim Emerson

Aug 30, 2022 10:49:13 AM

Many of our clients tell us during their mortgage application process that they spent significant time being uncertain about ─sometimes even agonizing over what would be the right decision: owning or renting. Since we are in the business of helping our clients own a house at AMI Lenders, we thought it might be helpful to put down in black and white what we know to be relevant factors to ponder while navigating this rent vs. own decision process.

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Topics: Hard Money Loans, mortgage loans, houston, AMI Lenders

Is it still a good time to buy a house in Houston? A Hard Money Lenders' Perspective.

Posted by Jim Emerson

Aug 8, 2022 5:00:00 PM

The US economy is facing complicated macroeconomic forces. Amid the highest inflation levels seen in the past 45 years, on June 15, 2022, the Federal Reserve raised interest rates by 75 basis points (bps) after years of holding interest rates low and steady. This decision will increase the Fed’s benchmark federal-funds rate to a range between 1.5% and 1.75%. Most economists believe the Fed intends to raise interest rates by at least 75 bps in July and 75 bps in September. These increases will lead to the highest interest rates we’ve seen in many years. Therefore, home mortgage rates have seen increases and are due to continue to rise during the second semester of 2022.

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Topics: hard money lenders, home buyers, houston, AMI Lenders

Benefits of investing in a Real Estate Property

Posted by Jim Emerson

Jul 22, 2022 9:00:00 AM

At AMI Lenders, we want our customers to succeed and take advantage of the financial opportunities provided by real estate investments. We strive to communicate the multiple facets of real estate investing through our blogs. For example, how investing in real estate can be carried out, how hard money loans can assist investors or homeowners achieve their financial goals, and why we consider it to be an essential investment tool available to men and women interested in getting ahead financially. In this article, we would like to highlight -for first-time investors as well experienced investors- some benefits of investing in real estate property.

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Topics: houston, loans, real estate, Benefits, Property

House Hacking: A Tool for Real Estate investors that works with Hard Money Loans.

Posted by Jim Emerson

Jul 6, 2022 9:00:00 AM

At least for a decade now, a thought movement goes by the acronym FIRE, which means "Financial Independence, Retire Early." One of its most famous exponents, Mr. Money Moustache, writes a lively, witty, iconoclastic, and interesting blog living frugally off passive income while enjoying life and protecting the planet. (

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Topics: houston, loans, AMI Lenders


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AMI Lenders' Commercial Lending blog contains helpful information to help you understand the intricacies of Commercial Hard Money Lending practices in Texas. 

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