--- title: Mortgages and Lending News | Hard Money (2) description: Hard Money | 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 (2) --- 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") ## [The Importance of FICO Scores To Hard Money Lenders](https://www.amilenders.com/blog-ami/the-importance-of-fico-score) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Jun 16, 2016 11:56:34 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Branding_New_2016/Horizontal_Logo_New.png) ](https://www.amilenders.com/blog-ami/the-importance-of-fico-score) As a commercial** hard money lender,** we understand the importance of one’s FICO score.  Therefore, we want to share our experience and how one can increase their FICO scores to improve their chances of getting a **hard money loan. ** [Read More](https://www.amilenders.com/blog-ami/the-importance-of-fico-score) Topics: [Hard Money](https://www.amilenders.com/blog-ami/topic/hard-money), [Hard Money Loans](https://www.amilenders.com/blog-ami/topic/hard-money-loans), [hard money lenders](https://www.amilenders.com/blog-ami/topic/hard-money-lenders) ## [Jim Emerson: There’s Trouble in River City](https://www.amilenders.com/blog-ami/jim-emerson-theres-trouble-in-river-city) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) May 9, 2016 2:59:27 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Blog_Images/Trouble_in_Bayou_City.jpg) ](https://www.amilenders.com/blog-ami/jim-emerson-theres-trouble-in-river-city) In the musical “The Music Man”, Professor Harold Hill says “there’s trouble in River City”. When it comes to Mortgage Investing and, given the risk of foreclosures in the greater Houston MSA; the lyrics should be “there’s trouble in Bayou City”. In 2015 Texas foreclosure activity increased 16 percent. That compares with a 3 percent decline for the rest of the United States. [Read More](https://www.amilenders.com/blog-ami/jim-emerson-theres-trouble-in-river-city) Topics: [Hard Money](https://www.amilenders.com/blog-ami/topic/hard-money), [Residential Loans](https://www.amilenders.com/blog-ami/topic/residential-loans), [residential investment](https://www.amilenders.com/blog-ami/topic/residential-investment) ## [Is Now The Time To Get A Hard Money Loan To Buy A Home In Houston?](https://www.amilenders.com/blog-ami/is-now-the-time-to-get-a-hard-money-loan-to-buy-a-new-home-in-houston) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Nov 10, 2015 1:00:00 PM - [Tweet](https://twitter.com/share) Click to edit your new post... ![Residential Hard Money Loans in Houston](https://www.amilenders.com/hs-fs/hub/352755/file-1262177517.jpg?width=529&height=259&name=file-1262177517.jpg "Residential Hard Money Loans in Houston")Every investor’s goal is to “buy low” and “sell high” but that’s easier said than done. For borrowers that depend on hard money lenders to finance their dream home, the time to buy may be now. Hiring at U.S. companies accelerated in October helping to lift wages and clearing the path for the Federal Reserve to raise interest rates in December 2015.   [Read More](https://www.amilenders.com/blog-ami/is-now-the-time-to-get-a-hard-money-loan-to-buy-a-new-home-in-houston) Topics: [Hard Money](https://www.amilenders.com/blog-ami/topic/hard-money), [Hard Money Loans](https://www.amilenders.com/blog-ami/topic/hard-money-loans), [Residential Loans](https://www.amilenders.com/blog-ami/topic/residential-loans) ## [A Disturbing Discovery About Hard Money Lenders. Read below.](https://www.amilenders.com/blog-ami/a-disturbing-discovery-about-hard-money-lenders) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Oct 14, 2015 9:00:00 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hs-fs/hub/352755/file-1029839395.jpg) ](https://www.amilenders.com/blog-ami/a-disturbing-discovery-about-hard-money-lenders) If you make** [commercial loans](https://www.amilenders.com/commercial-hard-money-lenders)**, commercial mortgage loans**, [hard money loans](https://www.amilenders.com/blog-ami/hard-money-loans-what-are-they), **subprime loans**, [construction loans, ](https://www.amilenders.com/residential-hard-money-loans)**or any**[ loan secured by real estate](https://www.amilenders.com/hard-money-lenders)**, the following is a must-read.   At **[Associated Mortgage Investors](https://www.amilenders.com/)**, we are the Hard Money Lender and we recently approved financing for the purchase of a religious facility in the Commitment for Title we noticed several labor liens filed by the **Texas Workforce Commission (“TWC”)**. [Read More](https://www.amilenders.com/blog-ami/a-disturbing-discovery-about-hard-money-lenders) Topics: [Hard Money](https://www.amilenders.com/blog-ami/topic/hard-money), [Hard Money Loans](https://www.amilenders.com/blog-ami/topic/hard-money-loans), [hard money lenders](https://www.amilenders.com/blog-ami/topic/hard-money-lenders) ## [Private Lenders Help Non-Bankable Borrowers Borrow The Money They Need](https://www.amilenders.com/blog-ami/private-money-lenders-help-non-bankable-borrowers) Posted by [Gonzalo Arjona](https://www.amilenders.com/blog-ami/author/gonzalo-arjona) Jul 30, 2014 3:13:12 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hs-fs/file-1023571424-jpg/Final_Blogging_Images/Hard_Money_Lending_Blog_10.jpg) ](https://www.amilenders.com/blog-ami/private-money-lenders-help-non-bankable-borrowers) [Read More](https://www.amilenders.com/blog-ami/private-money-lenders-help-non-bankable-borrowers) Topics: [Hard Money](https://www.amilenders.com/blog-ami/topic/hard-money), [Hard Money Loans](https://www.amilenders.com/blog-ami/topic/hard-money-loans), [Low Documentation Loans](https://www.amilenders.com/blog-ami/topic/low-documentation-loans), [Houston Commercial Loans](https://www.amilenders.com/blog-ami/topic/houston-commercial-loans) ## [Hard Money Loans; what are they?](https://www.amilenders.com/blog-ami/hard-money-loans-what-are-they) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Jul 18, 2014 9:59:49 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hs-fs/hub/352755/file-1029839360.jpg) ](https://www.amilenders.com/blog-ami/hard-money-loans-what-are-they) [Read More](https://www.amilenders.com/blog-ami/hard-money-loans-what-are-they) Topics: [Hard Money](https://www.amilenders.com/blog-ami/topic/hard-money), [Hard Money Loans](https://www.amilenders.com/blog-ami/topic/hard-money-loans), [Residential Loans](https://www.amilenders.com/blog-ami/topic/residential-loans) ## [Is Your Property a Good Fit For Commercial Investment Loans?](https://www.amilenders.com/blog-ami/is-your-property-a-good-fit-for-a-commercial-hard-money-loan) Posted by [Gonzalo Arjona](https://www.amilenders.com/blog-ami/author/gonzalo-arjona) Jun 30, 2014 11:32:44 AM - [Tweet](https://twitter.com/share) **4 Ways to Assess a Commercial Property’s Worthiness ** [Commercial hard money Loans](https://www.amilenders.com/commercial-hard-money-lenders) are very useful options for people who face difficulties with their loan applications with conventional financiers or banks. Furthermore, private lenders are more open to originating ‘cash-out’ loans on commercial properties. [Read More](https://www.amilenders.com/blog-ami/is-your-property-a-good-fit-for-a-commercial-hard-money-loan) Topics: [Hard Money](https://www.amilenders.com/blog-ami/topic/hard-money), [Hard Money Loans](https://www.amilenders.com/blog-ami/topic/hard-money-loans), [Houston Commercial Loans](https://www.amilenders.com/blog-ami/topic/houston-commercial-loans), [Specialty Loans](https://www.amilenders.com/blog-ami/topic/specialty-loans) ## [4 Tips for Financing Commercial Real Estate](https://www.amilenders.com/blog-ami/4-tips-for-financing-commercial-real-estate) Posted by [Gonzalo Arjona](https://www.amilenders.com/blog-ami/author/gonzalo-arjona) Jun 27, 2014 1:53:03 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hs-fs/hub/352755/file-1025820096.jpg) ](https://www.amilenders.com/blog-ami/4-tips-for-financing-commercial-real-estate) [Read More](https://www.amilenders.com/blog-ami/4-tips-for-financing-commercial-real-estate) Topics: [Hard Money](https://www.amilenders.com/blog-ami/topic/hard-money), [Low Documentation Loans](https://www.amilenders.com/blog-ami/topic/low-documentation-loans), [Tips](https://www.amilenders.com/blog-ami/topic/tips) [Previous](https://www.amilenders.com/blog-ami/topic/hard-money/page/1) [All posts](https://www.amilenders.com/blog-ami/all) [![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%2Ftopic%2Fhard-money%2Fpage%2F2%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%2Ftopic%2Fhard-money%2Fpage%2F2%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%2Ftopic%2Fhard-money%2Fpage%2F2%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fhard-money%2Fpage%2F2%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=Mortgages%20and%20Lending%20News%20%7C%20Hard%20Money%20%282%29) [![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%2Ftopic%2Fhard-money%2Fpage%2F2%3Futm_medium%3Dsocial%26utm_source%3Demail%20&body=Check%20out%20https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fhard-money%2Fpage%2F2%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 - 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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/)**