Mortgage & Commercial Lending News.

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


How does the new GOP Tax Bill Impact Mortgage Financing?

Posted by Jim Emerson

Feb 23, 2018 1:27:43 PM

How does the new GOP Tax Bill Impact Mortgage Financing?

Republicans in Washington passed the most significant overhaul of the tax code since 1986. Many of us are left wondering how the tax bill impacts us. The plan is to reduce the tax burden for most individuals and put more money into people’s pockets at the expense of the national debt going up. 

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Topics: Residential Loans, New Laws & Regs, Residential Investment Loans, mortgage loans

The Home Buying Mortgage Process From A Mortgage Investors Corporation Perspective

Posted by Jim Emerson

Jul 5, 2017 11:45:15 AM

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.

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Topics: mortgage loans, home buyers, mortgage process

High Cost VS Higher Priced Mortgage Loans 

Posted by Jim Emerson

Apr 11, 2017 10:44:49 AM

There are different types of mortgages and the Consumer Financial Protection Bureau (hereafter CFPB) has made significant changes to the definitions and coverage within these two mortgage categories. First, it is important to understand who the CFPB is and why it was created. The CFPB is an agency of the United States Government responsible for consumer protection in the financial sector. The CFPB creation was authorized by the Dodd-Frank Wall Street Reform and Consumer Protection Act, whose passage in 2010 was a legislative response to the financial crisis of 2007-08 and the subsequent Great Recession. 

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Topics: mortgage loans


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