Mortgage & Commercial Lending News.

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


Why do we ask loan applicants what is the purpose of the loan?

Posted by Jim Emerson

Jan 27, 2023 9:00:00 AM

You will have noticed that when applying for a loan with almost any financial institution or hard money lender in the US you will be asked for the purpose of the loan. Some borrowers know why that’s important, but some others do not. Moreover, some of our loan applicants do not believe it is any of our business to know on what they will use the money! Because since all our loans are guaranteed by real estate, they think we are being too nosey.

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Topics: hard money lenders, houston, loans, AMI Lenders

Worried about becoming House Poor?

Posted by Jim Emerson

Dec 8, 2022 12:24:30 PM

Have you ever heard the expression “Asset rich, cash poor” or alternatively “House rich, cash poor”? It is used to refer to persons who are not “poor” in the strictest sense of the word because they own valuable assets (such as a nice house with a swimming pool, two brand new cars, big screen TVs, expensive furniture, among other things) but who can be, at some moment in time, in a situation where the cash they have available is not enough to cover their cash flow requirements. In the lingo of realtors, bankers, and private mortgage lenders, someone who is “House rich, cash poor” is abbreviated by using the term “House Poor.”

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Topics: Hard Money Loans, houston, loans, AMI Lenders

Is buying a house in Houston at the close of 2022 smart? A Hard Money Lenders' Perspective.

Posted by Jim Emerson

Nov 28, 2022 12:00:00 PM

 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.

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

Make sure You Understand your Finances when Applying for a Private Mortgage Loan.

Posted by Jim Emerson

Sep 27, 2022 12:00:00 PM

At AMI Lenders, we believe 2022 is still a good time, especially for first-time buyers, to get a mortgage and purchase a lovely house for you and your family. Interest rates are still attractive compared to previous decades, and house price increases have slowed since the recent pandemic. Finally, buying a house with a fixed-rate mortgage is still a good hedge against inflation's effects.

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Topics: hard money lenders, mortgage loans, houston, loans, AMI Lenders, mortgage

Benefits of investing in a Real Estate Property

Posted by Jim Emerson

Jul 22, 2022 9:00:00 AM

At AMI Lenders, we want our customers to succeed and take advantage of the financial opportunities provided by real estate investments. We strive to communicate the multiple facets of real estate investing through our blogs. For example, how investing in real estate can be carried out, how hard money loans can assist investors or homeowners achieve their financial goals, and why we consider it to be an essential investment tool available to men and women interested in getting ahead financially. In this article, we would like to highlight -for first-time investors as well experienced investors- some benefits of investing in real estate property.

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Topics: houston, loans, real estate, Benefits, Property

House Hacking: A Tool for Real Estate investors that works with Hard Money Loans.

Posted by Jim Emerson

Jul 6, 2022 9:00:00 AM

At least for a decade now, a thought movement goes by the acronym FIRE, which means "Financial Independence, Retire Early." One of its most famous exponents, Mr. Money Moustache, writes a lively, witty, iconoclastic, and interesting blog living frugally off passive income while enjoying life and protecting the planet. (

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Topics: houston, loans, AMI Lenders

How to find investment property at a discount

Posted by Jim Emerson

Mar 16, 2022 9:00:00 AM

For over 30 years, AMI Lenders has helped hundreds of real estate investors finance their investments in fix-&-flip properties. Therefore, it is evident to us that successful fix-&-flip projects start with the investor (or "flipper") doing their homework and finding an investment property, not only with a significant discount off its market value but also in the right location and at the right time. In this blog, we want to share what we have seen successful flippers do when hunting for an investment property.

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Topics: houston, loans, fix and flip

Pitfalls Hard Money Lenders (and Borrowers) should consider to avoid a loan payment default.

Posted by Jim Emerson

Jan 24, 2018 11:59:46 AM

There has been troubling news released by S&P/Experian, as reports indicate that defaults on first credit payments by consumers are on the rise. While most indicators surrounding the economy and the stock market have been positive, this boom in defaults isn’t, as it’s the first time in two years defaults have increased.

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Topics: hard money lenders, residential hard money loans, loans


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AMI Lenders' Commercial Lending blog contains helpful information to help you understand the intricacies of Commercial Hard Money Lending practices in Texas. 

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