--- title: Mortgages and Lending News | home buyers description: home buyers | 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") ## [Is it still a good time to buy a house in Houston? A Hard Money Lenders' Perspective.](https://www.amilenders.com/blog-ami/is-it-still-a-good-time-to-buy-a-house-in-houston-a-hard-money-lenders-perspective) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Aug 8, 2022 5:00:00 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Is%20it%20still%20a%20good%20time%20to%20buy%20in%20Houston.jpg) ](https://www.amilenders.com/blog-ami/is-it-still-a-good-time-to-buy-a-house-in-houston-a-hard-money-lenders-perspective) The US economy is facing complicated macroeconomic forces. Amid the highest inflation levels seen in the past 45 years, on June 15, 2022, the Federal Reserve raised interest rates by 75 basis points (bps) after years of holding interest rates low and steady. This decision will increase the Fed’s benchmark federal-funds rate to a range between 1.5% and 1.75%. Most economists believe the Fed intends to raise interest rates by at least 75 bps in July and 75 bps in September. These increases will lead to the highest interest rates we’ve seen in many years. Therefore, home mortgage rates have seen increases and are due to continue to rise during the second semester of 2022. [Read More](https://www.amilenders.com/blog-ami/is-it-still-a-good-time-to-buy-a-house-in-houston-a-hard-money-lenders-perspective) Topics: [hard money lenders](https://www.amilenders.com/blog-ami/topic/hard-money-lenders), [home buyers](https://www.amilenders.com/blog-ami/topic/home-buyers), [houston](https://www.amilenders.com/blog-ami/topic/houston), [AMI Lenders](https://www.amilenders.com/blog-ami/topic/ami-lenders) ## [Seek the advice of either a real estate attorney or a real estate broker when negotiating any type of mortgage loan.](https://www.amilenders.com/blog-ami/failure-to-seek-the-advice-of-either-a-real-estate-attorney-or-a-real-estate-broker-can-be-a-costly-mistake-when-negotiating-any-type-of-mortgage-loan-1) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Nov 2, 2020 3:39:25 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/image001.jpg) ](https://www.amilenders.com/blog-ami/failure-to-seek-the-advice-of-either-a-real-estate-attorney-or-a-real-estate-broker-can-be-a-costly-mistake-when-negotiating-any-type-of-mortgage-loan-1) Sadly, **this is the mother of all mistakes made by people trying to save a few hundred dollars** when they are dealing with a [commercial](https://www.amilenders.com/commercial-hard-money-lenders) or [residential hard money loan](https://www.amilenders.com/residential-hard-money-loans). As a [hard-money lender](https://www.amilenders.com/), I’ve seen genuinely heart-breaking tragedies. [Read More](https://www.amilenders.com/blog-ami/failure-to-seek-the-advice-of-either-a-real-estate-attorney-or-a-real-estate-broker-can-be-a-costly-mistake-when-negotiating-any-type-of-mortgage-loan-1) Topics: [mortgage loans](https://www.amilenders.com/blog-ami/topic/mortgage-loans), [home buyers](https://www.amilenders.com/blog-ami/topic/home-buyers), [mortgage process](https://www.amilenders.com/blog-ami/topic/mortgage-process), [real estate](https://www.amilenders.com/blog-ami/topic/real-estate) ## [High Cost VS Higher Priced Mortgages](https://www.amilenders.com/blog-ami/high-cost-vs-higher-priced) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Jun 10, 2020 5:15:55 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Stock%20images/close%20up%20of%20houses%20cut%20out%20of%20paper%20on%20white%20background.jpeg) ](https://www.amilenders.com/blog-ami/high-cost-vs-higher-priced)   In 2010, and in response to the financial crisis that we now know as the Great Recession, President Obama signed the [Dodd-Frank Wall Street Reform](https://www.amilenders.com/blog-ami/the-dodd-frank-act-and-new-regulations-are-changing-the-mortgage-lending-industry) and [Consumer Protection Act](https://www.history.com/topics/21st-century/dodd-frank-act) into law. The law places strict regulations on lenders and banks in an effort to protect consumers and prevent another all-out economic recession. It was this act that outlined a set of rules around higher priced vs. high cost mortgage rates. [Read More](https://www.amilenders.com/blog-ami/high-cost-vs-higher-priced) Topics: [mortgage loans](https://www.amilenders.com/blog-ami/topic/mortgage-loans), [home buyers](https://www.amilenders.com/blog-ami/topic/home-buyers), [dodd frank](https://www.amilenders.com/blog-ami/topic/dodd-frank), [residential hard money loans](https://www.amilenders.com/blog-ami/topic/residential-hard-money-loans), [private money lender](https://www.amilenders.com/blog-ami/topic/private-money-lender) ## [Houston Hard Money Lenders Advice for First Time Home Buyers](https://www.amilenders.com/blog-ami/houston-hard-money-lenders-advice-for-first-time-home-buyers) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Apr 1, 2019 4:31:12 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/AMI-LENDERS-fisrt-time-buyers-2.png) ](https://www.amilenders.com/blog-ami/houston-hard-money-lenders-advice-for-first-time-home-buyers) 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. [Read More](https://www.amilenders.com/blog-ami/houston-hard-money-lenders-advice-for-first-time-home-buyers) Topics: [residential investment](https://www.amilenders.com/blog-ami/topic/residential-investment), [mortgage loans](https://www.amilenders.com/blog-ami/topic/mortgage-loans), [home buyers](https://www.amilenders.com/blog-ami/topic/home-buyers), [residential hard money loans](https://www.amilenders.com/blog-ami/topic/residential-hard-money-loans), [houston hard money lenders](https://www.amilenders.com/blog-ami/topic/houston-hard-money-lenders) ## [The Home Buying Mortgage Process From A Mortgage Investors Corporation Perspective](https://www.amilenders.com/blog-ami/mortgage-investors-corporation-perspective) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Jul 5, 2017 11:45:15 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Blog_Images/ami-mortgage-july_blog.jpg) ](https://www.amilenders.com/blog-ami/mortgage-investors-corporation-perspective) Understanding the process of purchasing a home is exciting but it can also be stressful if you don’t do your homework first.  Here are a few tips from a **Mortgage Investors Corporation** from start to finish so you’ll be a wiser homebuyer.  Your credit, your scores and how wisely you shop for a loan that best fits your needs will have a great impact on the rate and fees you pay. To improve your credit, and chances of getting a better mortgage, get current and stay current on your payments. [Read More](https://www.amilenders.com/blog-ami/mortgage-investors-corporation-perspective) Topics: [mortgage loans](https://www.amilenders.com/blog-ami/topic/mortgage-loans), [home buyers](https://www.amilenders.com/blog-ami/topic/home-buyers), [mortgage process](https://www.amilenders.com/blog-ami/topic/mortgage-process) [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%2Fhome-buyers%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%2Fhome-buyers%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%2Fhome-buyers%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fhome-buyers%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=Mortgages%20and%20Lending%20News%20%7C%20home%20buyers) [![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%2Fhome-buyers%3Futm_medium%3Dsocial%26utm_source%3Demail%20&body=Check%20out%20https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fhome-buyers%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. 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