---
title: Mortgages and Lending News | wraparound mortgages
description: wraparound mortgages | 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
---

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# 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).

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## [How Wraparound Mortgages and Hard Money Loans come together.](https://www.amilenders.com/blog-ami/wraparound-mortgages-and-hard-money-loans)

 Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson)

 Mar 2, 2017 12:00:00 PM

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[![](https://www.amilenders.com/hs-fs/file-1028933982-jpg/Blog_Images/Hard_Money_Lending_Blog_15.jpg) ](https://www.amilenders.com/blog-ami/wraparound-mortgages-and-hard-money-loans)

 You may or may not have heard of this term before but a **wraparound mortgage **or** “wrap”** is a form of secondary financing for the purchase of real estate property.  The seller/lender extends to the buyer a junior mortgage which wraps around an existing mortgage,  typically the bank or the seller of the real property assumes the payment of the existing mortgage and provides the borrower with a new larger loan, usually at a higher interest rate.

[Read More](https://www.amilenders.com/blog-ami/wraparound-mortgages-and-hard-money-loans)

 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), [hard money lenders](https://www.amilenders.com/blog-ami/topic/hard-money-lenders), [wraparound mortgages](https://www.amilenders.com/blog-ami/topic/wraparound-mortgages)

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"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.

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