--- title: Mortgages and Lending News | Jim Emerson description: With 30 years + of Hard Money Lending experience, Jim Emerson, a Private Mortgage Investor, has turned AMI Lenders into one of the largest privately-owned Mortgage Investors Corporation --- English | [Español](https://www.amilenders.com/prestamistas-rapidos-dinero-privado-houston) Call Us: [713-682-4400](tel:713-682-4400) [![Associated_Mortgage_Investors_logo.jpg](https://www.amilenders.com/hs-fs/hubfs/Branding_New_2016/Horizontal_Logo_New.png?width=180&height=64&name=Horizontal_Logo_New.png "Associated_Mortgage_Investors_logo.jpg")](https://www.amilenders.com) # Mortgage & Commercial Lending News. #### Houston's premier blog for all things related to Commercial and Residential [Hard Money Loans](https://www.amilenders.com/specialty-hard-money-loans). ![AMI_Lenders_Txt_Only.png](https://www.amilenders.com/hs-fs/hubfs/Branding_New_2016/AMI_Lenders_Txt_Only.png?width=194&name=AMI_Lenders_Txt_Only.png "AMI_Lenders_Txt_Only.png") ## Jim Emerson Find me on: ### Recent Posts ## [Reasons why people invest in real estate with Hard Money Loans.](https://www.amilenders.com/blog-ami/we-list-some-reasons-why-people-invest-in-real-estate-with-hard-money-loans) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Aug 2, 2023 3:44:59 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/why-people-invest-in-real-estate.jpg) ](https://www.amilenders.com/blog-ami/we-list-some-reasons-why-people-invest-in-real-estate-with-hard-money-loans) So you found this blog and you are reading it. Congratulations! Chances are you are considering acquiring a property through a private or “Hard Money” loan, or maybe you are just beginning to learn what is needed to become a real estate investor and are thus leisurely "surfing the net" to see what information is readily available on the topic. It might have also crossed your mind at some point that you want to know why it is that other people invest in real estate. Potential clients often ask us whether investing in real estate still makes sense for individuals. So, we spent a few hours jotting down a few ideas that could become helpful pointers to our readers. [Read More](https://www.amilenders.com/blog-ami/we-list-some-reasons-why-people-invest-in-real-estate-with-hard-money-loans) Topics: [Hard Money Loans](https://www.amilenders.com/blog-ami/topic/hard-money-loans), [real estate](https://www.amilenders.com/blog-ami/topic/real-estate), [AMI Lenders](https://www.amilenders.com/blog-ami/topic/ami-lenders) ## [Real Estate hacks that could help you to sell a house faster.](https://www.amilenders.com/blog-ami/real-estate-hacks-that-could-help-you-to-sell-a-house-faster) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Jul 26, 2023 7:00:00 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/selling-a-house-faster.jpg) ](https://www.amilenders.com/blog-ami/real-estate-hacks-that-could-help-you-to-sell-a-house-faster) At [AMI Lenders](https://www.amilenders.com/) in Houston, we have been helping real estate investors in many ways other than by providing them with private money mortgages. Over the years, one of these ways has been to answer questions related to real estate. One question we keep being asked year after year is: What aspects could help someone sell a house faster? [Read More](https://www.amilenders.com/blog-ami/real-estate-hacks-that-could-help-you-to-sell-a-house-faster) Topics: [real estate](https://www.amilenders.com/blog-ami/topic/real-estate), [AMI Lenders](https://www.amilenders.com/blog-ami/topic/ami-lenders), [Hard Money Loan](https://www.amilenders.com/blog-ami/topic/hard-money-loan) ## [Seller or Buyer Market, What’s Next for 2023?](https://www.amilenders.com/blog-ami/seller-or-buyer-market-whats-next-for-2023) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Jul 13, 2023 7:00:00 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/seller-or-buyer-market.jpg) ](https://www.amilenders.com/blog-ami/seller-or-buyer-market-whats-next-for-2023) Early in May 2023, we read an interesting post by Tony Cantu published in the MPA magazine[[1]](https://www.mpamag.com/us/mortgage-industry/industry-trends/is-the-shift-to-a-buyers-market-underway/444406). Mr. Cantu interviews a Dallas based veteran lender who predicts that we will witness a transformation in the US real estate market “from a seller’s market to a buyer’s market some six months from now” (Mr. Cantu’s article is dated May 1, 2023). At AMI Lenders, one of Houston’s most reputed private money lenders, we think this topic is worth exploring because a shift to a buyer’s market would positively benefit our readers and/or clients who are currently in the market for a property -whether you are first time buyers, or are looking to improve or modify your current housing situation, or are looking into building up your real estate portfolio. [Read More](https://www.amilenders.com/blog-ami/seller-or-buyer-market-whats-next-for-2023) Topics: [AMI Lenders](https://www.amilenders.com/blog-ami/topic/ami-lenders), [market](https://www.amilenders.com/blog-ami/topic/market), [Seller](https://www.amilenders.com/blog-ami/topic/seller), [Buyer](https://www.amilenders.com/blog-ami/topic/buyer) ## [Starting down the path as a real estate investor. Advice from a Hard Money Lender.](https://www.amilenders.com/blog-ami/starting-down-the-path-as-a-real-estate-investor.-advise-from-a-hard-money-lender) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Jun 26, 2023 2:32:32 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/starting-your-real-estate-investment-portfolio.jpg) ](https://www.amilenders.com/blog-ami/starting-down-the-path-as-a-real-estate-investor.-advise-from-a-hard-money-lender) Suppose you have been thinking hard about starting to invest in real estate. In that case, you might have wondered whether to focus on a strategy of eventually owning multiple single homes for rent or whether to focus on one of eventually owning a few multi-family properties or apartment complexes. There really is not a clear-cut answer, nor could we recommend one over the other. What we can do is write down some points to be considered, which could eventually lead you to make the right decision for you. [Read More](https://www.amilenders.com/blog-ami/starting-down-the-path-as-a-real-estate-investor.-advise-from-a-hard-money-lender) Topics: [Hard Money Loans](https://www.amilenders.com/blog-ami/topic/hard-money-loans), [houston hard money lenders](https://www.amilenders.com/blog-ami/topic/houston-hard-money-lenders), [AMI Lenders](https://www.amilenders.com/blog-ami/topic/ami-lenders), [Real Estate Investment](https://www.amilenders.com/blog-ami/topic/real-estate-investment) ## [A Modest Recession in the Making in 2023?: Here’s some advice from AMI](https://www.amilenders.com/blog-ami/a-modest-recession-in-the-making-is-expected-in-2023-heres-some-advice-from-a-hard-money-lender-in-houston) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Jun 13, 2023 7:00:00 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/moderate-recession-looming.jpg) ](https://www.amilenders.com/blog-ami/a-modest-recession-in-the-making-is-expected-in-2023-heres-some-advice-from-a-hard-money-lender-in-houston) Lately, we have been reading more and more articles, in all kinds of news media, about the U.S. economy entering a recession in the second half of 2023. This has prompted us to write a short entry on the topic. Mind you, our specialty is extending private money loans backed by real estate, and we still do not have a crystal ball to predict the future (L.O.L.). Yet, many of our client's business initiatives could be hurt in a recessionary environment. So, we think this context deserves some attention on our part. [Read More](https://www.amilenders.com/blog-ami/a-modest-recession-in-the-making-is-expected-in-2023-heres-some-advice-from-a-hard-money-lender-in-houston) Topics: [Hard Money](https://www.amilenders.com/blog-ami/topic/hard-money), [AMI Lenders](https://www.amilenders.com/blog-ami/topic/ami-lenders), [Hard Money Loan](https://www.amilenders.com/blog-ami/topic/hard-money-loan) ## [Data Centers as a relatively new phenomenon in commercial real estate](https://www.amilenders.com/blog-ami/data-centers-as-a-relatively-new-phenomenon-in-commercial-real-estate) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) May 26, 2023 4:53:19 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/data-centers-are-booming.jpg) ](https://www.amilenders.com/blog-ami/data-centers-as-a-relatively-new-phenomenon-in-commercial-real-estate) In a previous 2022 blog related to observable trends in [commercial real estate](https://www.amilenders.com/blog-ami/new-commercial-real-estate-investing-ideas-retrofitting-malls-into-something-else), we mentioned that some real estate investors are seriously looking into transforming Class B and C malls from retail or commercial use into other industrial uses, for example, Data Centers. In this post, we expand on that topic by exploring in more detail what characteristics could make for a successful Data Center. [Read More](https://www.amilenders.com/blog-ami/data-centers-as-a-relatively-new-phenomenon-in-commercial-real-estate) Topics: [AMI Lenders](https://www.amilenders.com/blog-ami/topic/ami-lenders), [Data Centers](https://www.amilenders.com/blog-ami/topic/data-centers), [Commercial Real Estate](https://www.amilenders.com/blog-ami/topic/commercial-real-estate) ## [Real Estate Investors: Money is well spent for a home inspection.](https://www.amilenders.com/blog-ami/real-estate-investors-paying-for-a-home-inspection-is-money-well-spent) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) May 12, 2023 5:00:00 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/home-inspection-is-a-must.jpg) ](https://www.amilenders.com/blog-ami/real-estate-investors-paying-for-a-home-inspection-is-money-well-spent) Here at [AMI Lenders](https://www.amilenders.com/), where we specialize in private money loans to finance real estate, we are frequently asked by our clients: “Should I go through the expense of getting a home inspection even if the seller (or their realtor) assures me that the house is in good condition?” And the answer is: most definitely yes! [Read More](https://www.amilenders.com/blog-ami/real-estate-investors-paying-for-a-home-inspection-is-money-well-spent) Topics: [houston](https://www.amilenders.com/blog-ami/topic/houston), [residential hard money loans](https://www.amilenders.com/blog-ami/topic/residential-hard-money-loans), [homeowners](https://www.amilenders.com/blog-ami/topic/homeowners), [business loans](https://www.amilenders.com/blog-ami/topic/business-loans), [AMI Lenders](https://www.amilenders.com/blog-ami/topic/ami-lenders) ## [What to expect from the Fix and Flip industry in TX, and to best prep.](https://www.amilenders.com/blog-ami/what-to-expect-from-the-fix-and-flip-industry-in-texas-and-how-to-best-prepare-for-whats-coming) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Apr 27, 2023 11:11:36 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/fix-and-flip-in-texas.jpg) ](https://www.amilenders.com/blog-ami/what-to-expect-from-the-fix-and-flip-industry-in-texas-and-how-to-best-prepare-for-whats-coming) The Fix and Flip industry, which involves purchasing distressed properties, renovating them, and then selling them at a higher price, has experienced significant growth in recent years. However, the industry's current state can vary depending on the location and overall economic conditions. [Read More](https://www.amilenders.com/blog-ami/what-to-expect-from-the-fix-and-flip-industry-in-texas-and-how-to-best-prepare-for-whats-coming) Topics: [residential hard money loans](https://www.amilenders.com/blog-ami/topic/residential-hard-money-loans), [fix and flip](https://www.amilenders.com/blog-ami/topic/fix-and-flip), [AMI Lenders](https://www.amilenders.com/blog-ami/topic/ami-lenders) ## [Commercial Real Estate Investing ideas: Retrofitting malls into?](https://www.amilenders.com/blog-ami/new-commercial-real-estate-investing-ideas-retrofitting-malls-into-something-else) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Apr 11, 2023 12:00:51 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/strip-mall-retrofits.jpg) ](https://www.amilenders.com/blog-ami/new-commercial-real-estate-investing-ideas-retrofitting-malls-into-something-else) At AMI Lenders, we are primarily interested in what is happening in Houston, TX, and its surroundings. However, that does not mean we ignore what happens elsewhere in the country. During the first days of March, we read an interesting text (“*Remember the mall?*”) in a newsletter[[1]](https://www.amilenders.com/blog-ami/author/jim-emerson/page/1#_ftn1), which is mailed daily to one of us by the Los Angeles Times. In the said newsletter, author Ryan Fonseca talks about what is happening with malls in Southern California (and broadly elsewhere in the country). The article by Mr. Fonseca ties in nicely with what we posted in mid-2022 about trends in commercial real estate (*link here*) and, particularly, retrofitting Class B and C malls, even though some of the California cases discussed happen to be retrofitting of Class A malls. So, let’s delve further into the topic. [Read More](https://www.amilenders.com/blog-ami/new-commercial-real-estate-investing-ideas-retrofitting-malls-into-something-else) Topics: [hard money lenders](https://www.amilenders.com/blog-ami/topic/hard-money-lenders), [houston](https://www.amilenders.com/blog-ami/topic/houston), [real estate](https://www.amilenders.com/blog-ami/topic/real-estate), [AMI Lenders](https://www.amilenders.com/blog-ami/topic/ami-lenders) ## [What is happening with the Fix and Flip Market?](https://www.amilenders.com/blog-ami/what-is-happening-with-the-fix-and-flip-market) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Mar 30, 2023 5:00:00 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/what-is-happening-to-fix-and-flips.jpg) ](https://www.amilenders.com/blog-ami/what-is-happening-with-the-fix-and-flip-market) Private hard-money lenders have been a significant financing force behind the Fix-and-Flip (F&F) business model, which has risen to prominence among real-estate investors during the past 10 to 15 years. Yet, given the hefty increase in mortgage rates during 2022, and a somewhat cooling housing demand, real estate investors might be hesitant about starting an F&F process during 2023. [Read More](https://www.amilenders.com/blog-ami/what-is-happening-with-the-fix-and-flip-market) Topics: [houston](https://www.amilenders.com/blog-ami/topic/houston), [fix and flip](https://www.amilenders.com/blog-ami/topic/fix-and-flip), [Fast Hard Money Lenders in Houston](https://www.amilenders.com/blog-ami/topic/fast-hard-money-lenders-in-houston), [AMI Lenders](https://www.amilenders.com/blog-ami/topic/ami-lenders), [market](https://www.amilenders.com/blog-ami/topic/market) [All posts](https://www.amilenders.com/blog-ami/all) [Next](https://www.amilenders.com/blog-ami/author/jim-emerson/page/2) [![Share on Facebook](https://static.hubspot.com/final/img/common/icons/social/facebook-24x24.png)](http://www.facebook.com/share.php?u=https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Fauthor%2Fjim-emerson%2Fpage%2F1%3Futm_medium%3Dsocial%26utm_source%3Dfacebook) [![Share on LinkedIn](https://static.hubspot.com/final/img/common/icons/social/linkedin-24x24.png)](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Fauthor%2Fjim-emerson%2Fpage%2F1%3Futm_medium%3Dsocial%26utm_source%3Dlinkedin) [![Share on Twitter](https://static.hubspot.com/final/img/common/icons/social/twitter-24x24.png)](https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Fauthor%2Fjim-emerson%2Fpage%2F1%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Fauthor%2Fjim-emerson%2Fpage%2F1%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=Mortgages%20and%20Lending%20News%20%7C%20Jim%20Emerson) [![Share on Email](https://static.hubspot.com/final/img/common/icons/social/email-24x24.png)](mailto:?subject=Check%20out%20https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Fauthor%2Fjim-emerson%2Fpage%2F1%3Futm_medium%3Dsocial%26utm_source%3Demail%20&body=Check%20out%20https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Fauthor%2Fjim-emerson%2Fpage%2F1%3Futm_medium%3Dsocial%26utm_source%3Demail) ## Our Hard Money Blog AMI Lenders' Commercial Lending blog contains helpful information to help you understand the intricacies of Commercial Hard Money Lending practices in Texas.  [![Apply Today!](https://no-cache.hubspot.com/cta/default/352755/742551d4-8c56-438e-8546-c53ef6b5db1e.png)](https://cta-redirect.hubspot.com/cta/redirect/352755/742551d4-8c56-438e-8546-c53ef6b5db1e) ### Recent Posts ### Subscribe to Email Updates ### Posts by Topic - [AMI Lenders (51)](https://www.amilenders.com/blog-ami/topic/ami-lenders) - [houston (35)](https://www.amilenders.com/blog-ami/topic/houston) - [Hard Money Loans (34)](https://www.amilenders.com/blog-ami/topic/hard-money-loans) - [hard money lenders (31)](https://www.amilenders.com/blog-ami/topic/hard-money-lenders) - [Hard Money (18)](https://www.amilenders.com/blog-ami/topic/hard-money) - [houston hard money lenders (18)](https://www.amilenders.com/blog-ami/topic/houston-hard-money-lenders) - [residential hard money loans (17)](https://www.amilenders.com/blog-ami/topic/residential-hard-money-loans) - [mortgage loans (15)](https://www.amilenders.com/blog-ami/topic/mortgage-loans) - [fix and flip (14)](https://www.amilenders.com/blog-ami/topic/fix-and-flip) - [real estate (13)](https://www.amilenders.com/blog-ami/topic/real-estate) - [private money lender (11)](https://www.amilenders.com/blog-ami/topic/private-money-lender) - [private mortgage investors (10)](https://www.amilenders.com/blog-ami/topic/private-mortgage-investors) - [Residential Loans (9)](https://www.amilenders.com/blog-ami/topic/residential-loans) - [real estate investors (9)](https://www.amilenders.com/blog-ami/topic/real-estate-investors) - [loans (8)](https://www.amilenders.com/blog-ami/topic/loans) - [Real Estate Investment (7)](https://www.amilenders.com/blog-ami/topic/real-estate-investment) - [Houston Commercial Loans (6)](https://www.amilenders.com/blog-ami/topic/houston-commercial-loans) - [commercial hard money loan (6)](https://www.amilenders.com/blog-ami/topic/commercial-hard-money-loan) - [private money lenders in houston (6)](https://www.amilenders.com/blog-ami/topic/private-money-lenders-in-houston) - [home buyers (5)](https://www.amilenders.com/blog-ami/topic/home-buyers) - [Hard Money Loan (4)](https://www.amilenders.com/blog-ami/topic/hard-money-loan) - [construction loans (4)](https://www.amilenders.com/blog-ami/topic/construction-loans) - [mortgage (4)](https://www.amilenders.com/blog-ami/topic/mortgage) - [mortgage process (4)](https://www.amilenders.com/blog-ami/topic/mortgage-process) - [Low Documentation Loans (3)](https://www.amilenders.com/blog-ami/topic/low-documentation-loans) - [Specialty Loans (3)](https://www.amilenders.com/blog-ami/topic/specialty-loans) - [Tips (3)](https://www.amilenders.com/blog-ami/topic/tips) - [business loans (3)](https://www.amilenders.com/blog-ami/topic/business-loans) - [buying new home (3)](https://www.amilenders.com/blog-ami/topic/buying-new-home) - [residential investment (3)](https://www.amilenders.com/blog-ami/topic/residential-investment) - [Fast Hard Money Lenders in Houston (2)](https://www.amilenders.com/blog-ami/topic/fast-hard-money-lenders-in-houston) - [Fastest Private Mortgage Lenders in Houston (2)](https://www.amilenders.com/blog-ami/topic/fastest-private-mortgage-lenders-in-houston) - [Financing for flipping houses (2)](https://www.amilenders.com/blog-ami/topic/financing-for-flipping-houses) - [ITIN loans (2)](https://www.amilenders.com/blog-ami/topic/itin-loans) - [Residential Investment Loans (2)](https://www.amilenders.com/blog-ami/topic/residential-investment-loans) - [consumer loans (2)](https://www.amilenders.com/blog-ami/topic/consumer-loans) - [dodd frank (2)](https://www.amilenders.com/blog-ami/topic/dodd-frank) - [flood insurance (2)](https://www.amilenders.com/blog-ami/topic/flood-insurance) - [homeowners (2)](https://www.amilenders.com/blog-ami/topic/homeowners) - [market (2)](https://www.amilenders.com/blog-ami/topic/market) - [prestamista de dinero privados (2)](https://www.amilenders.com/blog-ami/topic/prestamista-de-dinero-privados) - [APR (1)](https://www.amilenders.com/blog-ami/topic/apr) - [APY (1)](https://www.amilenders.com/blog-ami/topic/apy) - [Benefits (1)](https://www.amilenders.com/blog-ami/topic/benefits) - [Bridge Loans (1)](https://www.amilenders.com/blog-ami/topic/bridge-loans) - [Budget to Maximize Profits (1)](https://www.amilenders.com/blog-ami/topic/budget-to-maximize-profits) - [Building Multifamily Properties (1)](https://www.amilenders.com/blog-ami/topic/building-multifamily-properties) - [Buyer (1)](https://www.amilenders.com/blog-ami/topic/buyer) - [Commercial Real Estate (1)](https://www.amilenders.com/blog-ami/topic/commercial-real-estate) - [Commercial property (1)](https://www.amilenders.com/blog-ami/topic/commercial-property) - [Data Centers (1)](https://www.amilenders.com/blog-ami/topic/data-centers) - [Debt-to-Income Rule (1)](https://www.amilenders.com/blog-ami/topic/debt-to-income-rule) - [FICO Scores (1)](https://www.amilenders.com/blog-ami/topic/fico-scores) - [Fast-Closing Hard Money Loans (1)](https://www.amilenders.com/blog-ami/topic/fast-closing-hard-money-loans) - [Foreclosure (1)](https://www.amilenders.com/blog-ami/topic/foreclosure) - [Home Sales (1)](https://www.amilenders.com/blog-ami/topic/home-sales) - [ITIN mortgage loans (1)](https://www.amilenders.com/blog-ami/topic/itin-mortgage-loans) - [Lumber Prices (1)](https://www.amilenders.com/blog-ami/topic/lumber-prices) - [New Laws & Regs (1)](https://www.amilenders.com/blog-ami/topic/new-laws-regs) - [Property (1)](https://www.amilenders.com/blog-ami/topic/property) - [Real Estate Financing (1)](https://www.amilenders.com/blog-ami/topic/real-estate-financing) - [Seller (1)](https://www.amilenders.com/blog-ami/topic/seller) - [construction project financers (1)](https://www.amilenders.com/blog-ami/topic/construction-project-financers) - [credit report (1)](https://www.amilenders.com/blog-ami/topic/credit-report) - [federal reserve system (1)](https://www.amilenders.com/blog-ami/topic/federal-reserve-system) - [home equity loans (1)](https://www.amilenders.com/blog-ami/topic/home-equity-loans) - [homestead loans (1)](https://www.amilenders.com/blog-ami/topic/homestead-loans) - [non qm loans (1)](https://www.amilenders.com/blog-ami/topic/non-qm-loans) - [non qualified mortgage loans (1)](https://www.amilenders.com/blog-ami/topic/non-qualified-mortgage-loans) - [non-qualified mortgage (1)](https://www.amilenders.com/blog-ami/topic/non-qualified-mortgage) - [prestamo privado (1)](https://www.amilenders.com/blog-ami/topic/prestamo-privado) - [prestamos residenciales (1)](https://www.amilenders.com/blog-ami/topic/prestamos-residenciales) - [private money for flipping houses (1)](https://www.amilenders.com/blog-ami/topic/private-money-for-flipping-houses) - [qualified mortgage loan (1)](https://www.amilenders.com/blog-ami/topic/qualified-mortgage-loan) - [refinanciar (1)](https://www.amilenders.com/blog-ami/topic/refinanciar) - [seguro inundaciones en texas (1)](https://www.amilenders.com/blog-ami/topic/seguro-inundaciones-en-texas) - [subrpime loans (1)](https://www.amilenders.com/blog-ami/topic/subrpime-loans) - [wraparound mortgages (1)](https://www.amilenders.com/blog-ami/topic/wraparound-mortgages) [see all](https://www.amilenders.com/blog-ami/author/jim-emerson/page/1#) © AMI Lenders Inc. 2023 **[PRIVACY NOTICE ](https://www.amilenders.com/hubfs/Home_Website_Page_Images/Privacy_Notice/AMIL_PrivacyNotice_NoAffil_NoOptOut-1.pdf) |  [TERMS OF SERVICE](https://www.amilenders.com/apply_for_a_hard_money_loan?hsCtaTracking=742551d4-8c56-438e-8546-c53ef6b5db1e%7C852c713d-547c-46cb-b9a4-42c50558cbc0)  |  [CONTACT US](https://www.amilenders.com/hard-money-loans-bad-credit)** [![Share on Facebook](https://static.hubspot.com/final/img/common/icons/social/facebook-24x24.png)](https://www.facebook.com/AMILenders/) [![Share on LinkedIn](https://static.hubspot.com/final/img/common/icons/social/linkedin-24x24.png)](https://www.linkedin.com/company/ami-lenders/) [![Share on Twitter](https://static.hubspot.com/final/img/common/icons/social/twitter-24x24.png)](https://twitter.com/Jim1947e) [![Share on Email](https://static.hubspot.com/final/img/common/icons/social/email-24x24.png)](mailto:?subject=Check%20out%20https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Fauthor%2Fjim-emerson%2Fpage%2F1%3Futm_medium%3Dsocial%26utm_source%3Demail%20&body=Check%20out%20https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Fauthor%2Fjim-emerson%2Fpage%2F1%3Futm_medium%3Dsocial%26utm_source%3Demail) ![Equal Housing Lender at AMI Lenders](https://www.amilenders.com/hs-fs/file-454348357-jpg/Equal_Housing_and_other_icons/url.jpg?width=75&name=url.jpg "Equal Housing Lender at AMI Lenders") ![AMI Lenders, 710 N Post Oak Rd #208, Houston, TX 77024](https://www.amilenders.com/hs-fs/hubfs/Branding_New_2016/AMI_Lenders_Txt_Only.png?width=135&name=AMI_Lenders_Txt_Only.png "AMI Lenders, 710 N Post Oak Rd #208, Houston, TX 77024") AMI Lenders Inc. Residential Mortgage Loan Originator NMLS 320385 State of Texas Office of Consumer Credit Commissioner Regulated Lender License #51409 710 N Post Oak Rd Suite 208 Houston TX 77024 Jeff Emerson: NMLS #320687 Figure: 7 TAC §80.200(b) "CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT [WWW.SML.TEXAS.GOV](http://WWW.SML.TEXAS.GOV). A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT [WWW.SML.TEXAS.GOV](http://WWW.SML.TEXAS.GOV).” **Designed by [Big Bite Marketers](https://unleashbig.com/)**