--- title: Mortgages and Lending News | residential hard money loans (2) description: residential hard money loans | 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 (2) --- 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") ## [Texas Foreclosures And A Hard Money Lender's Take On How To Avoid it.](https://www.amilenders.com/blog-ami/texas-foreclosures-and-a-hard-money-lenders-take-on-how-to-avoid-it) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Mar 1, 2019 11:13:22 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/shutterstock_159028475.jpg) ](https://www.amilenders.com/blog-ami/texas-foreclosures-and-a-hard-money-lenders-take-on-how-to-avoid-it) Foreclosure is a scary situation for any homeowner. It usually occurs when a **homeowner** stops making payments on their **mortgage loan**. Since mortgaged are **secured loans**, this means that the property will serve as collateral for the amount borrowed. [Read More](https://www.amilenders.com/blog-ami/texas-foreclosures-and-a-hard-money-lenders-take-on-how-to-avoid-it) Topics: [Hard Money](https://www.amilenders.com/blog-ami/topic/hard-money), [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) ## [What Private Mortgage Lenders want you to know about Flood Insurance in Texas](https://www.amilenders.com/blog-ami/what-private-mortgage-lenders-want-you-to-know-about-flood-insurance-in-texas) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Sep 26, 2018 2:08:55 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Blog_Images/ami-lenders-houston-house-floodinsurance.png) ](https://www.amilenders.com/blog-ami/what-private-mortgage-lenders-want-you-to-know-about-flood-insurance-in-texas) Texas is amongst the top of the nation in rankings for weather-related property damage each year. Therefore, knowing the different types of insurances available and their coverages is crucial. If you live or plan to live in one of the  **[14 coastal counties](https://www.tdi.texas.gov/wind/maps/index.html) **or parts of Harris County or Galveston Bay you should know of **[separate policies](https://www.tdi.texas.gov/pubs/consumer/cb093.pdf) **that are available that may help you protect yourselves from losses caused by flooding. [Read More](https://www.amilenders.com/blog-ami/what-private-mortgage-lenders-want-you-to-know-about-flood-insurance-in-texas) Topics: [Hard Money Loans](https://www.amilenders.com/blog-ami/topic/hard-money-loans), [hard money lenders](https://www.amilenders.com/blog-ami/topic/hard-money-lenders), [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), [private mortgage investors](https://www.amilenders.com/blog-ami/topic/private-mortgage-investors), [flood insurance](https://www.amilenders.com/blog-ami/topic/flood-insurance), [commercial hard money loan](https://www.amilenders.com/blog-ami/topic/commercial-hard-money-loan) ## [Private Mortgage Investors Must Warn Consumers of the Surge in Mortgage Risk Fraud](https://www.amilenders.com/blog-ami/private-mortgage-investors-must-warn-consumers-of-the-surge-in-mortgage-risk-fraud) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) May 30, 2018 5:17:08 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Blog_Images/shutterstock_114626293%20(1).jpg) ](https://www.amilenders.com/blog-ami/private-mortgage-investors-must-warn-consumers-of-the-surge-in-mortgage-risk-fraud) For the 6TH straight quarter Mortgage application fraud is on the upswing according to the **National Mortgage Application Fraud Risk In**   **dex** released by CoreLogic, a real estate data firm. CoreLogic developed the index based on [**residential mortgage loan applications**](https://www.amilenders.com/residential-hard-money-loans-free-consultation) processed by CoreLogic Loan Safe Fraud Manager, a predictive scoring technology.  Based on their findings, the index has increased for all of the last six consecutive quarters. [Read More](https://www.amilenders.com/blog-ami/private-mortgage-investors-must-warn-consumers-of-the-surge-in-mortgage-risk-fraud) Topics: [mortgage loans](https://www.amilenders.com/blog-ami/topic/mortgage-loans), [mortgage process](https://www.amilenders.com/blog-ami/topic/mortgage-process), [residential hard money loans](https://www.amilenders.com/blog-ami/topic/residential-hard-money-loans), [private mortgage investors](https://www.amilenders.com/blog-ami/topic/private-mortgage-investors) ## [Home Inspections FAQ’s for First Time Buyers and Sellers](https://www.amilenders.com/blog-ami/home-inspections-faqs-for-first-time-buyers-and-sellers) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) May 25, 2018 4:40:48 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Screen%20Shot%202018-05-25%20at%204.25.14%20PM.png) ](https://www.amilenders.com/blog-ami/home-inspections-faqs-for-first-time-buyers-and-sellers)   Obtaining a **home inspection** is a very important investment that will give you the confidence to make the best decisions whether you are selling or [**buying a home**.](https://www.amilenders.com/residential-hard-money-loans) If you are buying a home, this can be your largest single investment you will ever make. As[** private mortgage investors**](https://www.amilenders.com/), we recommend you learn as much as possible about the newly constructed home or existing home before you purchase. If you are already a homeowner, **a home inspection will give you the opportunity to identify problems and suggest preventative measures to help avoid costly repairs in the future.** Below we will explore the most common FAQ’s regarding home inspections. [Read More](https://www.amilenders.com/blog-ami/home-inspections-faqs-for-first-time-buyers-and-sellers) Topics: [residential hard money loans](https://www.amilenders.com/blog-ami/topic/residential-hard-money-loans), [buying new home](https://www.amilenders.com/blog-ami/topic/buying-new-home), [private mortgage investors](https://www.amilenders.com/blog-ami/topic/private-mortgage-investors) ## [This Is Why Every Property Owner Should Have Flood Insurance](https://www.amilenders.com/blog-ami/this-is-why-every-property-owner-should-have-flood-insurance) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Jan 30, 2018 4:41:24 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Blog_Images/ami-lenders-houston-house-floodinsurance.png) ](https://www.amilenders.com/blog-ami/this-is-why-every-property-owner-should-have-flood-insurance) There are many misconceptions when it comes to **purchasing flood insurance**. Many homeowners think they’re not at risk for flooding, when they usually are. And many believe that if they are flooded, they’re insured for it. For example, the coverage is often inadequate lacking enough coverage to fully rebuild the home. Although flood insurance is available to many homeowners under the NFIP, most don’t have it. This is true for many of Hurricane Harvey’s victims. This hurricane was the most significant tropical hurricane in the United States history. Harvey’s damage was between $90 Billion and $160 Billion with a midpoint at $125 Billion. [Read More](https://www.amilenders.com/blog-ami/this-is-why-every-property-owner-should-have-flood-insurance) Topics: [Houston Commercial Loans](https://www.amilenders.com/blog-ami/topic/houston-commercial-loans), [hard money lenders](https://www.amilenders.com/blog-ami/topic/hard-money-lenders), [mortgage process](https://www.amilenders.com/blog-ami/topic/mortgage-process), [houston](https://www.amilenders.com/blog-ami/topic/houston), [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) ## [Pitfalls Hard Money Lenders (and Borrowers) should consider to avoid a loan payment default.](https://www.amilenders.com/blog-ami/pitfalls-hard-money-lenders-borrowers-consider-avoid-loan-payment) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Jan 24, 2018 11:59:46 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Blog_Images/ami-lenders_pitfalls_hard-money.png) ](https://www.amilenders.com/blog-ami/pitfalls-hard-money-lenders-borrowers-consider-avoid-loan-payment) 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. [Read More](https://www.amilenders.com/blog-ami/pitfalls-hard-money-lenders-borrowers-consider-avoid-loan-payment) Topics: [hard money lenders](https://www.amilenders.com/blog-ami/topic/hard-money-lenders), [residential hard money loans](https://www.amilenders.com/blog-ami/topic/residential-hard-money-loans), [loans](https://www.amilenders.com/blog-ami/topic/loans) ## [AMI Lenders helps Millennials become homeowners with Hard Money Loans](https://www.amilenders.com/blog-ami/ami-lenders-houstons-hard-money-lenders-can-help-millennials-become-homeowners) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) May 11, 2017 10:37:41 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Blog_Images/homestead-hard-money-loans.jpg) ](https://www.amilenders.com/blog-ami/ami-lenders-houstons-hard-money-lenders-can-help-millennials-become-homeowners) [**AMI Lenders**](https://www.amilenders.com/) is a [**Private Mortgage Investor company or Hard Money Lender** ](https://www.amilenders.com/)who provides innovative solutions, personalized service and applies a proprietary, common sense approach to loan underwriting by looking beyond the numbers to determine the true value and risk of a borrower.   [Read More](https://www.amilenders.com/blog-ami/ami-lenders-houstons-hard-money-lenders-can-help-millennials-become-homeowners) Topics: [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), [buying new home](https://www.amilenders.com/blog-ami/topic/buying-new-home), [private mortgage investors](https://www.amilenders.com/blog-ami/topic/private-mortgage-investors) [Previous](https://www.amilenders.com/blog-ami/topic/residential-hard-money-loans/page/1) [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%2Fresidential-hard-money-loans%2Fpage%2F2%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%2Fresidential-hard-money-loans%2Fpage%2F2%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%2Fresidential-hard-money-loans%2Fpage%2F2%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fresidential-hard-money-loans%2Fpage%2F2%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=Mortgages%20and%20Lending%20News%20%7C%20residential%20hard%20money%20loans%20%282%29) [![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%2Fresidential-hard-money-loans%2Fpage%2F2%3Futm_medium%3Dsocial%26utm_source%3Demail%20&body=Check%20out%20https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fresidential-hard-money-loans%2Fpage%2F2%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. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT [WWW.SML.TEXAS.GOV](http://WWW.SML.TEXAS.GOV).” **Designed by [Big Bite Marketers](https://unleashbig.com/)**