Mortgage & Commercial Lending News.

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


AMI Hard Money Loans

Posted by Jim Emerson

Jun 18, 2015 9:03:12 AM

Ladies and Gentlemen:

Please allow me to remind each of you that we’re an asset based real estate lender and we lend money where we have a title insured first lien.  Our program is very simple and here are our basic lending parameters:


  • On any purchase money loan (unimproved properties, residential or commercial) we’ll finance the lesser of 70% of the appraisal or 70% of the purchase price.  We want our borrower to have 30% cash down;
  • When refinancing a property we’ll lend; (i) 70% on an owner-occupied home, (ii) 65% on commercial properties, (iii) 50% on lots in platted and approved subdivisions, and (iv) 33% on unimproved properties;
  • We want some type of proof that the borrower has the ability to repay the loan; and


Our prohibited loans are as follows:


  • No bars or night clubs;
  • No assisted living facilities; and
  • No residential lot development loans


We’ll finance new construction but (in this market with declining oil prices) we’re a little more cautious than before.


Our interest rates, points and fees are generally lower than all other asset based lenders.  And, no one is faster!  


Please call with your next loan you need to place and you’ll be glad you did!   


Jim Emerson

Associated Mortgage Investors

An alternative source of financing for over 20 years

710 North Post Oak Road, Ste 208

Houston TX 77024

Direct telephone number: 713.600.9700

Main number: 713.682.4400 & fax 713.682.8810



RMLO License # 315844

JLE Investors, Inc. ID # 320385 

Topics: Hard Money Loans


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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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