--- title: Mortgages and Lending News | houston hard money lenders description: houston hard money lenders | 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") ## [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) ## [Is buying a house in Houston at the close of 2022 smart? A Hard Money Lenders' Perspective.](https://www.amilenders.com/blog-ami/is-buying-a-house-in-houston-at-the-close-of-2022-smart-a-hard-money-lenders-perspective) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Nov 28, 2022 12:00:00 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Is%20buying%20a%20house%20in%20Houston%20at%20the%20close%20of%202022%20smart.jpg) ](https://www.amilenders.com/blog-ami/is-buying-a-house-in-houston-at-the-close-of-2022-smart-a-hard-money-lenders-perspective)  In a previous entry [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) 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. [Read More](https://www.amilenders.com/blog-ami/is-buying-a-house-in-houston-at-the-close-of-2022-smart-a-hard-money-lenders-perspective) Topics: [loans](https://www.amilenders.com/blog-ami/topic/loans), [houston hard money lenders](https://www.amilenders.com/blog-ami/topic/houston-hard-money-lenders), [buying new home](https://www.amilenders.com/blog-ami/topic/buying-new-home), [AMI Lenders](https://www.amilenders.com/blog-ami/topic/ami-lenders) ## [With increasing mortgage rates, should you invest in real estate at the end of 2022?](https://www.amilenders.com/blog-ami/with-increasing-mortgage-rates-should-you-invest-in-real-estate-at-the-end-of-2022) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Nov 11, 2022 5:00:00 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/shutterstock_570698116-con-ajustes.jpg) ](https://www.amilenders.com/blog-ami/with-increasing-mortgage-rates-should-you-invest-in-real-estate-at-the-end-of-2022) 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. [Read More](https://www.amilenders.com/blog-ami/with-increasing-mortgage-rates-should-you-invest-in-real-estate-at-the-end-of-2022) Topics: [houston](https://www.amilenders.com/blog-ami/topic/houston), [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) ## [What should we expect in 2022 in the rapidly changing housing market?](https://www.amilenders.com/blog-ami/what-should-we-expect-in-2022-in-the-rapidly-changing-housing-market) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Jun 26, 2022 9:00:00 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/shutterstock_1022242969_web-1.jpg) ](https://www.amilenders.com/blog-ami/what-should-we-expect-in-2022-in-the-rapidly-changing-housing-market) 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. [Read More](https://www.amilenders.com/blog-ami/what-should-we-expect-in-2022-in-the-rapidly-changing-housing-market) Topics: [houston](https://www.amilenders.com/blog-ami/topic/houston), [houston hard money lenders](https://www.amilenders.com/blog-ami/topic/houston-hard-money-lenders), [fix and flip](https://www.amilenders.com/blog-ami/topic/fix-and-flip), [AMI Lenders](https://www.amilenders.com/blog-ami/topic/ami-lenders), [mortgage](https://www.amilenders.com/blog-ami/topic/mortgage) ## [Lumber prices are almost sky-high. So what does this mean for Home Buyers, Developers, and Hard Money Lenders?](https://www.amilenders.com/blog-ami/lumber-prices-are-almost-sky-high.-so-what-does-this-mean-for-home-buyers-developers-and-hard-money-lenders) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Jun 14, 2021 1:21:22 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/shutterstock_108543512_web.jpg) ](https://www.amilenders.com/blog-ami/lumber-prices-are-almost-sky-high.-so-what-does-this-mean-for-home-buyers-developers-and-hard-money-lenders) 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. [Read More](https://www.amilenders.com/blog-ami/lumber-prices-are-almost-sky-high.-so-what-does-this-mean-for-home-buyers-developers-and-hard-money-lenders) Topics: [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), [Lumber Prices](https://www.amilenders.com/blog-ami/topic/lumber-prices) ## [Fix and Flip investments Can Be Lucrative If You Avoid These Common Mistakes Made by Real Estate Investors.](https://www.amilenders.com/blog-ami/fix-and-flip-investments-can-be-lucrative-if-you-avoid-these-common-mistakes-made-by-real-estate-investors) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Apr 6, 2021 10:56:03 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/AMIL-1092%20Fix%20and%20Flip%20Investing%20Mistakes%20to%20avoid_web.jpg) ](https://www.amilenders.com/blog-ami/fix-and-flip-investments-can-be-lucrative-if-you-avoid-these-common-mistakes-made-by-real-estate-investors) 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**](https://www.amilenders.com/) believes [fix and flip](https://www.amilenders.com/fix-and-flip-loans-in-houston) investments are very profitable. Hence, we have put together a list of common mistakes you must avoid if you want a beneficial investment.  [Read More](https://www.amilenders.com/blog-ami/fix-and-flip-investments-can-be-lucrative-if-you-avoid-these-common-mistakes-made-by-real-estate-investors) Topics: [construction loans](https://www.amilenders.com/blog-ami/topic/construction-loans), [houston hard money lenders](https://www.amilenders.com/blog-ami/topic/houston-hard-money-lenders), [fix and flip](https://www.amilenders.com/blog-ami/topic/fix-and-flip), [real estate investors](https://www.amilenders.com/blog-ami/topic/real-estate-investors) ## [As Hard Money Lenders, we often we asked what is the difference between the APY vs. APR?](https://www.amilenders.com/blog-ami/as-hard-money-lenders-were-often-asked-what-is-the-difference-between-the-apy-vs.-apr) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Apr 6, 2021 9:58:07 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/AMIL-1102%20APY%20vs%20APR_web.jpg) ](https://www.amilenders.com/blog-ami/as-hard-money-lenders-were-often-asked-what-is-the-difference-between-the-apy-vs.-apr) If you ever wondered what the difference is between the APY and the APR, here's all you need to know: [Read More](https://www.amilenders.com/blog-ami/as-hard-money-lenders-were-often-asked-what-is-the-difference-between-the-apy-vs.-apr) Topics: [Hard Money](https://www.amilenders.com/blog-ami/topic/hard-money), [hard money lenders](https://www.amilenders.com/blog-ami/topic/hard-money-lenders), [houston hard money lenders](https://www.amilenders.com/blog-ami/topic/houston-hard-money-lenders), [APY](https://www.amilenders.com/blog-ami/topic/apy), [APR](https://www.amilenders.com/blog-ami/topic/apr) ## [Fast-Closing Hard Money Loans: The Best Way to Secure and Close on an Investment Property, Fast!](https://www.amilenders.com/blog-ami/fast-closing-hard-money-loans-the-best-way-to-secure-and-close-on-an-investment-property-fast) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Dec 15, 2020 11:55:42 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Fast-Closing%20Hard%20Money%20Loans-Houston_AMI-Lenders.jpg) ](https://www.amilenders.com/blog-ami/fast-closing-hard-money-loans-the-best-way-to-secure-and-close-on-an-investment-property-fast) 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 ](https://www.housingwire.com/articles/even-with-low-inventory-expect-a-strong-2021-housing-market/)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.  [Read More](https://www.amilenders.com/blog-ami/fast-closing-hard-money-loans-the-best-way-to-secure-and-close-on-an-investment-property-fast) Topics: [hard money lenders](https://www.amilenders.com/blog-ami/topic/hard-money-lenders), [houston hard money lenders](https://www.amilenders.com/blog-ami/topic/houston-hard-money-lenders), [Fast Hard Money Lenders in Houston](https://www.amilenders.com/blog-ami/topic/fast-hard-money-lenders-in-houston), [Fast-Closing Hard Money Loans](https://www.amilenders.com/blog-ami/topic/fast-closing-hard-money-loans), [Fastest Private Mortgage Lenders in Houston](https://www.amilenders.com/blog-ami/topic/fastest-private-mortgage-lenders-in-houston) ## [How Do Realtors, Brokers, and Private Lenders Work Together to Help Real Estate Investors?](https://www.amilenders.com/blog-ami/how-do-realtors-brokers-and-private-lenders-work-together-to-help-real-estate-investors) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Nov 13, 2020 5:00:08 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/image-1-1.jpg) ](https://www.amilenders.com/blog-ami/how-do-realtors-brokers-and-private-lenders-work-together-to-help-real-estate-investors) 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](https://www.realtor.com/realestateandhomes-search/Houston_TX/overview) by more than 11% year-over-year. [Read More](https://www.amilenders.com/blog-ami/how-do-realtors-brokers-and-private-lenders-work-together-to-help-real-estate-investors) 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), [private mortgage investors](https://www.amilenders.com/blog-ami/topic/private-mortgage-investors), [real estate](https://www.amilenders.com/blog-ami/topic/real-estate) ## [How Subprime Loans Differ From Non-QM Loans: A Hard Money Lender’s Perspective.](https://www.amilenders.com/blog-ami/how-subprime-loans-differ-from-non-qm-loans-a-hard-money-lenders-perspective) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Oct 19, 2020 11:00:00 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Subprime%20Loans%20vs%20Non%20QM%20Loans%20difference.jpg) ](https://www.amilenders.com/blog-ami/how-subprime-loans-differ-from-non-qm-loans-a-hard-money-lenders-perspective) During the [Great Recession of 2008](https://www.investopedia.com/terms/g/great-recession.asp), 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**](https://www.amilenders.com/specialty-hard-money-loans). **Subprime loans** are dangerous because they hide behind the pretense of helping low-income Americans. [Read More](https://www.amilenders.com/blog-ami/how-subprime-loans-differ-from-non-qm-loans-a-hard-money-lenders-perspective) Topics: [houston hard money lenders](https://www.amilenders.com/blog-ami/topic/houston-hard-money-lenders), [private money lender](https://www.amilenders.com/blog-ami/topic/private-money-lender), [subrpime loans](https://www.amilenders.com/blog-ami/topic/subrpime-loans), [non qualified mortgage loans](https://www.amilenders.com/blog-ami/topic/non-qualified-mortgage-loans), [non qm loans](https://www.amilenders.com/blog-ami/topic/non-qm-loans) [All posts](https://www.amilenders.com/blog-ami/all) [Next](https://www.amilenders.com/blog-ami/topic/houston-hard-money-lenders/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%2Ftopic%2Fhouston-hard-money-lenders%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%2Fhouston-hard-money-lenders%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%2Fhouston-hard-money-lenders%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fhouston-hard-money-lenders%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=Mortgages%20and%20Lending%20News%20%7C%20houston%20hard%20money%20lenders) [![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%2Fhouston-hard-money-lenders%3Futm_medium%3Dsocial%26utm_source%3Demail%20&body=Check%20out%20https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fhouston-hard-money-lenders%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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