Mortgage & Commercial Lending News.

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

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Jim Emerson

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Recent Posts

¿Por qué conviene consultar a un Prestamista de Houston Especializado en Préstamos Privados para Refinanciar una Casa o Inmueble?

Posted by Jim Emerson

May 21, 2019 1:24:30 PM

Si escucha el término “refinanciar” puede ser que no esté muy seguro de qué significa. En términos simples: refinanciar significa financiar otra vez; típicamente mediante un nuevo préstamo a una menor tasa, a un plazo más corto o a un interés más bajo. Al refinanciar, el propietario de una vivienda tiene acceso a un nuevo préstamo el cual reemplaza su préstamo actual, o en algunos casos, si la propiedad está “libre de gravámenes”, un refinanciamiento le permite aprovechar el valor líquido de la vivienda.

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Topics: prestamista de dinero privados, refinanciar, prestamo privado, prestamos residenciales

Why you Should Consider a Private Money Lender in Houston to Refinance a Home?

Posted by Jim Emerson

May 15, 2019 3:37:30 PM

When you hear the term “refinance” you may ask yourself what this means. In simple terms to refinance means to finance again, typically with a new loan at a lower rate, term or interest. A homeowner has access to a new loan which replaces the exiting loan, or in some cases, the homeowner may own the property “free and clear” so a refinance will allow them to tap into the home’s equity.

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Consejos de los Prestamistas de Dinero Privado de Houston para los Compradores de Vivienda por Primera Vez

Posted by Jim Emerson

Apr 5, 2019 5:59:57 PM

 

¿Está listo para convertirse en el propietario de una casa por primera vez? ¿Tiene ahorrado suficiente dinero para dar el enganche? ¿Ha calculado cómo financiar la compra? La meta número uno de la mayoría de las personas es tener una casa y las posibilidades de convertirse en dueño de una vivienda por primera vez mejoran tanto cuanto más informado esté.

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Topics: prestamista de dinero privados

Houston Hard Money Lenders Advice for First Time Home Buyers

Posted by Jim Emerson

Apr 1, 2019 4:31:12 PM

Are you ready to own your first home? Do you have enough money saved for a down payment? Have you figured out how to finance the purchase? Owning a home is the number one goal for most people, and the more informed you are, the better chances you’ll have to get into the right first home for you.

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Topics: residential investment, mortgage loans, home buyers, residential hard money loans, houston hard money lenders

Las Ejecuciones Hipotecarias en Texas y la Opinión de un Prestamista de Dinero Privado para evitarlo.

Posted by Jim Emerson

Mar 8, 2019 10:42:29 AM

Las Ejecuciones Hipotecarias en Texas están en alza. A continuación, encontrará algunos consejos de un Prestamista especializado en préstamos privados (conocidos en inglés como hard money loans) sobre ‘Cómo Evitar las Ejecuciones Hipotecarias en Texas’.

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Texas Foreclosures And A Hard Money Lender's Take On How To Avoid it.

Posted by Jim Emerson

Mar 1, 2019 11:13:22 AM

Foreclosure is a scary situation for any homeowner.

It usually occurs when a homeowner stops making payments on their mortgage loan.

Since mortgaged are secured loans, this means that the property will serve as collateral for the amount borrowed.

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Topics: Hard Money, residential hard money loans, houston hard money lenders

Mortgage Rates are on the Rise. How Does That Affect Mortgage Investors.

Posted by Jim Emerson

Oct 24, 2018 11:02:54 AM

  

Interest rates have hit a new high, but Houston is outpacing the national average slightly over 5 percent for the 30 year mortgage rate this week. According to Freddie Mac’s latest Primary Mortgage Market Survey rates are still much higher than last year’s rate of 3.88%. Although it’s a 7 year high, mortgage rates should rise modestly from here.

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Los Prestamistas Privados Incitan Sobre Seguros Contra Inundaciones

Posted by Jim Emerson

Oct 5, 2018 3:15:04 PM

Texas se encuentra entre los primeros lugares de la nación en el ranking de daños a la propiedad relacionados con el clima cada año. Por lo tanto, conocer los diferentes tipos de seguros disponibles y sus coberturas es clave. Si vive o planea vivir en uno de los 14 condados costeros o partes del Condado de Harris o la Bahía de Galveston, debe conocer las políticas separadas que están disponibles y que pueden ayudarlo a protegerse de las pérdidas causadas por las inundaciones.

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Topics: houston hard money lenders, private mortgage investors, flood insurance, seguro inundaciones en texas

What Private Mortgage Lenders want you to know about Flood Insurance in Texas

Posted by Jim Emerson

Sep 26, 2018 2:08:55 PM

Texas is amongst the top of the nation in rankings for weather-related property damage each year. Therefore, knowing the different types of insurances available and their coverages is crucial. If you live or plan to live in one of the  14 coastal counties or parts of Harris County or Galveston Bay you should know of separate policies that are available that may help you protect yourselves from losses caused by flooding.

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Topics: Hard Money Loans, hard money lenders, residential hard money loans, houston hard money lenders, private mortgage investors, flood insurance, commercial hard money loan

Private Mortgage Investors Must Warn Consumers of the Surge in Mortgage Risk Fraud

Posted by Jim Emerson

May 30, 2018 5:17:08 PM

For the 6TH straight quarter Mortgage application fraud is on the upswing according to the National Mortgage Application Fraud Risk In

 

dex released by CoreLogic, a real estate data firm. CoreLogic developed the index based on residential mortgage loan applications processed by CoreLogic Loan Safe Fraud Manager, a predictive scoring technology.  Based on their findings, the index has increased for all of the last six consecutive quarters.

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Topics: mortgage loans, mortgage process, residential hard money loans, private mortgage investors