--- title: Mortgages and Lending News | Residential Loans description: Residential 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 --- 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") ## [Choosing a Hard Money Loan over a Bank Loan for Financing Real Estate Could make Sense for You](https://www.amilenders.com/blog-ami/choosing-a-hard-money-loan-over-a-bank-loan-for-financing-real-estate-could-make-sense-to-you) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Feb 7, 2023 5:11:47 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/bank-vs-hard-money-lender.jpg) ](https://www.amilenders.com/blog-ami/choosing-a-hard-money-loan-over-a-bank-loan-for-financing-real-estate-could-make-sense-to-you) The vast majority of Americans tend to consider banks to be the “go-to place” to obtain financing. If a businessman needs a multipurpose line of credit for their day-to-day operations, or a working capital loan, or a loan to acquire a specialized piece of equipment, or maybe a young entrepreneur is looking to start a new business, they will most likely talk to a bank about obtaining a business purpose loan. The same goes for a young adult or a head of household looking for an auto loan, or a loan for purchasing a new appliance to replace a broken one, or just looking for the benefit of having a credit card: they will usually talk to the bank in which they have their savings or checking account. [Read More](https://www.amilenders.com/blog-ami/choosing-a-hard-money-loan-over-a-bank-loan-for-financing-real-estate-could-make-sense-to-you) Topics: [Hard Money Loans](https://www.amilenders.com/blog-ami/topic/hard-money-loans), [Residential Loans](https://www.amilenders.com/blog-ami/topic/residential-loans), [houston](https://www.amilenders.com/blog-ami/topic/houston), [private money lender](https://www.amilenders.com/blog-ami/topic/private-money-lender), [AMI Lenders](https://www.amilenders.com/blog-ami/topic/ami-lenders) ## [How does the new GOP Tax Bill Impact Mortgage Financing?](https://www.amilenders.com/blog-ami/how-does-the-new-gop-tax-bill-impact-mortgage-financing-) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Feb 23, 2018 1:27:43 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hs-fs/hub/352755/file-1028933967.jpg) ](https://www.amilenders.com/blog-ami/how-does-the-new-gop-tax-bill-impact-mortgage-financing-) 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.  [Read More](https://www.amilenders.com/blog-ami/how-does-the-new-gop-tax-bill-impact-mortgage-financing-) Topics: [Residential Loans](https://www.amilenders.com/blog-ami/topic/residential-loans), [New Laws & Regs](https://www.amilenders.com/blog-ami/topic/new-laws-regs), [Residential Investment Loans](https://www.amilenders.com/blog-ami/topic/residential-investment-loans), [mortgage loans](https://www.amilenders.com/blog-ami/topic/mortgage-loans) ## [How to Buy a Residential Property Through A Hard Money Lender](https://www.amilenders.com/blog-ami/how-to-buy-a-residential-property-a-hard-money-lenders-perspective) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Sep 29, 2016 2:36:05 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Blog_Images/residential_hard_money_lenders_new_law.jpg) ](https://www.amilenders.com/blog-ami/how-to-buy-a-residential-property-a-hard-money-lenders-perspective) --- ****How to Buy a Residential Property: When in the market for a new home or in the market for an investment property, one should do their own research. (An example of an investment property is buying homes to either “fix and flip” or “fix and rent”). We’re a mortgage investment corporation and we’ve been financing homes and investment properties for over 25 years. Because we’ve been a residential hard money lender for so many years, we pretty much know the proper due-diligence in selecting the right property at the right price. [Read More](https://www.amilenders.com/blog-ami/how-to-buy-a-residential-property-a-hard-money-lenders-perspective) Topics: [Residential Loans](https://www.amilenders.com/blog-ami/topic/residential-loans), [hard money lenders](https://www.amilenders.com/blog-ami/topic/hard-money-lenders) ## [Jim Emerson: There’s Trouble in River City](https://www.amilenders.com/blog-ami/jim-emerson-theres-trouble-in-river-city) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) May 9, 2016 2:59:27 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Blog_Images/Trouble_in_Bayou_City.jpg) ](https://www.amilenders.com/blog-ami/jim-emerson-theres-trouble-in-river-city) In the musical “The Music Man”, Professor Harold Hill says “there’s trouble in River City”. When it comes to Mortgage Investing and, given the risk of foreclosures in the greater Houston MSA; the lyrics should be “there’s trouble in Bayou City”. In 2015 Texas foreclosure activity increased 16 percent. That compares with a 3 percent decline for the rest of the United States. [Read More](https://www.amilenders.com/blog-ami/jim-emerson-theres-trouble-in-river-city) Topics: [Hard Money](https://www.amilenders.com/blog-ami/topic/hard-money), [Residential Loans](https://www.amilenders.com/blog-ami/topic/residential-loans), [residential investment](https://www.amilenders.com/blog-ami/topic/residential-investment) ## [Home Owners & Residential Hard Money Loans. Take Notice!](https://www.amilenders.com/blog-ami/great-news-for-residential-hard-money-lenders-remodeling-to-reach-a-new-peak-in-2016) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Mar 23, 2016 1:13:54 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hs-fs/file-1029839365-jpg/Blog_Images/Hard_Money_Lending_Blog_3.jpg) ](https://www.amilenders.com/blog-ami/great-news-for-residential-hard-money-lenders-remodeling-to-reach-a-new-peak-in-2016) Harvard University’s Joint Center for Housing Studies expects remodeling spending to reach a new peak in 2016. As a Mortgage Investor’s Corporation, we’ve funded millions of dollars in residential hard money loans for thousands of families to remodel their home; unfortunately, too often with less than desirable results.  And, it’s almost always the contractor’s fault. [Read More](https://www.amilenders.com/blog-ami/great-news-for-residential-hard-money-lenders-remodeling-to-reach-a-new-peak-in-2016) Topics: [Residential Loans](https://www.amilenders.com/blog-ami/topic/residential-loans) ## [Presentation is key to getting Residential Hard Money Loans. Read more](https://www.amilenders.com/blog-ami/presentation-is-everything-when-trying-to-get-a-hard-money-loan) Posted by [Joe Emerson](https://www.amilenders.com/blog-ami/author/joe-emerson) Jan 25, 2016 11:41:00 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Broker_Services/shutterstock_192318125.jpg) ](https://www.amilenders.com/blog-ami/presentation-is-everything-when-trying-to-get-a-hard-money-loan) Are you tired of having your loans turned down by hard money lenders? Hard money lending is an essential tool for many real estate investors and presenting your loan to a hard money loan officer is much like first impressions – you only have one shot. The following are “must do’s” when applying and preparing a loan package for a hard money lender: [Read More](https://www.amilenders.com/blog-ami/presentation-is-everything-when-trying-to-get-a-hard-money-loan) Topics: [Hard Money Loans](https://www.amilenders.com/blog-ami/topic/hard-money-loans), [Residential Loans](https://www.amilenders.com/blog-ami/topic/residential-loans), [Residential Investment Loans](https://www.amilenders.com/blog-ami/topic/residential-investment-loans) ## [Is Now The Time To Get A Hard Money Loan To Buy A Home In Houston?](https://www.amilenders.com/blog-ami/is-now-the-time-to-get-a-hard-money-loan-to-buy-a-new-home-in-houston) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Nov 10, 2015 1:00:00 PM - [Tweet](https://twitter.com/share) Click to edit your new post... ![Residential Hard Money Loans in Houston](https://www.amilenders.com/hs-fs/hub/352755/file-1262177517.jpg?width=529&height=259&name=file-1262177517.jpg "Residential Hard Money Loans in Houston")Every investor’s goal is to “buy low” and “sell high” but that’s easier said than done. For borrowers that depend on hard money lenders to finance their dream home, the time to buy may be now. Hiring at U.S. companies accelerated in October helping to lift wages and clearing the path for the Federal Reserve to raise interest rates in December 2015.   [Read More](https://www.amilenders.com/blog-ami/is-now-the-time-to-get-a-hard-money-loan-to-buy-a-new-home-in-houston) Topics: [Hard Money](https://www.amilenders.com/blog-ami/topic/hard-money), [Hard Money Loans](https://www.amilenders.com/blog-ami/topic/hard-money-loans), [Residential Loans](https://www.amilenders.com/blog-ami/topic/residential-loans) ## [Playing by the new rules of residential hard money loans and lenders.](https://www.amilenders.com/blog-ami/playing-by-the-new-rules-of-residential-hard-money-loans-and-lenders) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Sep 17, 2015 8:30:00 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Residential_Images/residential_hard_money_lenders_new_law.jpg) ](https://www.amilenders.com/blog-ami/playing-by-the-new-rules-of-residential-hard-money-loans-and-lenders) ABILITY-TO-PAY On January 10, 2014 the Consumer Financial Protection Bureau’s “Ability-to-Repay” law went in effect.  This law governs residential hard money loans and lenders as well as residential investment and subprime mortgage loans and lenders. [Read More](https://www.amilenders.com/blog-ami/playing-by-the-new-rules-of-residential-hard-money-loans-and-lenders) Topics: [Hard Money Loans](https://www.amilenders.com/blog-ami/topic/hard-money-loans), [Residential Loans](https://www.amilenders.com/blog-ami/topic/residential-loans) ## [Hard Money Loans; what are they?](https://www.amilenders.com/blog-ami/hard-money-loans-what-are-they) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Jul 18, 2014 9:59:49 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hs-fs/hub/352755/file-1029839360.jpg) ](https://www.amilenders.com/blog-ami/hard-money-loans-what-are-they) [Read More](https://www.amilenders.com/blog-ami/hard-money-loans-what-are-they) Topics: [Hard Money](https://www.amilenders.com/blog-ami/topic/hard-money), [Hard Money Loans](https://www.amilenders.com/blog-ami/topic/hard-money-loans), [Residential Loans](https://www.amilenders.com/blog-ami/topic/residential-loans) [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-loans%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-loans%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-loans%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fresidential-loans%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=Mortgages%20and%20Lending%20News%20%7C%20Residential%20Loans) [![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-loans%3Futm_medium%3Dsocial%26utm_source%3Demail%20&body=Check%20out%20https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fresidential-loans%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/)**