Mortgage & Commercial Lending News.

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


Choosing a Hard Money Loan over a Bank Loan for Financing Real Estate Could make Sense for You

Posted by Jim Emerson

Feb 7, 2023 5:11:47 PM

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.

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Topics: Hard Money Loans, Residential Loans, houston, private money lender, AMI Lenders

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

How to Buy a Residential Property Through A Hard Money Lender

Posted by Jim Emerson

Sep 29, 2016 2:36:05 PM

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.

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Topics: Residential Loans, hard money lenders

Jim Emerson: There’s Trouble in River City

Posted by Jim Emerson

May 9, 2016 2:59:27 PM

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.

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Topics: Hard Money, Residential Loans, residential investment

Home Owners & Residential Hard Money Loans. Take Notice!

Posted by Jim Emerson

Mar 23, 2016 1:13:54 PM

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.

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Topics: Residential Loans

Presentation is key to getting Residential Hard Money Loans. Read more

Posted by Joe Emerson

Jan 25, 2016 11:41:00 AM

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:

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Topics: Hard Money Loans, Residential Loans, Residential Investment Loans

Is Now The Time To Get A Hard Money Loan To Buy A Home In Houston?

Posted by Jim Emerson

Nov 10, 2015 1:00:00 PM

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Residential Hard Money Loans in HoustonEvery 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.


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Topics: Hard Money, Hard Money Loans, Residential Loans

Playing by the new rules of residential hard money loans and lenders.

Posted by Jim Emerson

Sep 17, 2015 8:30:00 AM


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.

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Topics: Hard Money Loans, Residential Loans

Hard Money Loans; what are they?

Posted by Jim Emerson

Jul 18, 2014 9:59:49 AM

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Topics: Hard Money, Hard Money Loans, Residential Loans


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