Mortgage & Commercial Lending News.

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.

Topics: Hard Money Loans, houston hard money lenders, AMI Lenders, Real Estate Investment

 In a previous entry Is it still a good time to buy a house in Houston? A Hard Money Lenders' Perspective investing in real estate in Houston, we stated that the US economy is facing complicated macroeconomic forces. This statement has been proven true once again in the past few days.

Topics: loans, houston hard money lenders, buying new home, AMI Lenders

Maybe your brother-in-law, next-door neighbor, or a colleague at work, has told you that the real estate market "is going down the drain." They probably said to you that mortgage rates are at "unpayable levels" and that one of the following is going to happen: recession, lack of buyers, loss of equity as home prices fall, higher interest rates, and lack of lenders, among many others.

Topics: houston, houston hard money lenders, AMI Lenders, Real Estate Investment

A lot has been written lately about the future of mortgage rates and housing prices. Let's look at some data and figure out what it means for Real Estate Investors in Houston, particularly Fix and Flip or rental property investments.

Mortgage rates are increasing

Earlier in 2022, some industry experts put forth their forecasts as to the future of mortgage rates:

• Mortgage Bankers Association forecasted the average 30-year fixed to climb up to 4% by year's end.
• Fannie Mae predicted a 3.3% mortgage rate by the end of 2022.

Topics: houston, houston hard money lenders, fix and flip, AMI Lenders, mortgage

Lumber has been in the headlines for some time now as we see its prices skyrocketing. Suppose you were thinking of starting construction in your new home or developing one for sale. In that case, you can't ignore the surge in lumber prices brought about by complex macroeconomic forces which were unduly complicated by the Covid-19 pandemic. As a result, demand for lumber has exploded in the past year, and lumberyards and suppliers have struggled to keep up with demand.

Topics: houston hard money lenders, AMI Lenders, Lumber Prices

Experienced investors have a good idea about how to make lucrative investments in fix and flip investments. However, not everyone knows how to make a rewarding deal because numerous new real estate investors do not have accurate knowledge about it. AMI Lenders believes fix and flip investments are very profitable. Hence, we have put together a list of common mistakes you must avoid if you want a beneficial investment. 

Topics: construction loans, houston hard money lenders, fix and flip, real estate investors

If you ever wondered what the difference is between the APY and the APR, here's all you need to know:

Topics: Hard Money, hard money lenders, houston hard money lenders, APY, APR

Some people assumed that the pandemic would stop the real estate market in its tracks, but if anything, the complete opposite is true. Whether you're a realtor or interested in investment properties, business is booming and will likely continue the upswing well into 2021. 

Houston is one of the hottest housing markets in the United States, and If you live here, you're not going to want to miss out on the current boom. Plenty of flippers and other types of investors are looking for a way to secure their next property, but some are coming up short on funds or not getting funded fast enough. 

Topics: hard money lenders, houston hard money lenders, Fast Hard Money Lenders in Houston, Fast-Closing Hard Money Loans, Fastest Private Mortgage Lenders in Houston

With a robust real estate market in Houston, you may be thinking about purchasing a property as an investment. After all, home values reported in September 2020 are up in Houston by more than 11% year-over-year.

Topics: Hard Money Loans, houston hard money lenders, private mortgage investors, real estate

During the Great Recession of 2008, millions of Americans lost their homes. The housing market collapsed, leaving the national economy in shambles.

Finger-pointing was common in the years to follow, but most financial experts can agree to one major cause: subprime mortgages.

Subprime loans are dangerous because they hide behind the pretense of helping low-income Americans.

Topics: houston hard money lenders, private money lender, subrpime loans, non qualified mortgage loans, non qm loans