Mortgage & Commercial Lending News.

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


Joe Emerson

Recent Posts

Presentation is Everything When Trying to Get a Hard Money Loan

Posted by Joe Emerson

Jan 25, 2016 11:41:00 AM

Are you tired of having your loans turned down by hard money lenders? Hard money lending is an essential tool for many real estate investors and presenting your loan to a hard money loan officer is much like first impressions – you only have one shot. The following are “must do’s” when applying and preparing a loan package for a hard money lender:

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Topics: Hard Money Loans, Residential Loans, Residential Investment Loans

Dodd-Frank Act, New Regulations Changing Hard Money Lending Industry

Posted by Joe Emerson

Jan 18, 2016 12:53:43 PM

As a result of the subprime mortgage meltdown and financial crisis of 2007-08, the Consumer Financial Protection Bureau (CFPB) was created and authorized by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank Act). The CFPB is responsible for consumer protection in the financial sector, e.g. banks, credit unions, hard money lenders, mortgage lenders, commercial mortgage lenders, subprime mortgage lenders, private mortgage lenders and other financial companies in the United States. Consequently, the mortgage lending industry has shifted its focus almost exclusively to compliance issues, which has caused a major and ongoing concern for all lenders, specifically hard money lenders and private lenders.

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