Established in 1990 by Jim Emerson, AMI Lenders is a Private Mortgage Lender providing Houston with Hard Money Loans for residential or commercial real estate investments.
Our Commercial and Residential Hard Money Lenders have over sixty years of combined experience and have been providing better service and better rates to Houston area investors for over 30 years. Our loans include owner and non-owner occupied, fix and flip, bridge, and most types of Non-QM loans. We adhere to all federal regulations, but we're flexible and close as fast as the law allows.
These are loans made to individuals who are acquiring, refinancing or investing in a residential property, to occupy or rent the property..
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All our loans are secured by the properties being acquired and/or owned as an investment for a defined commercial use. The terms can can be short or long term depending the Borrower' needs.
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AMI Lenders will assist you with acquiring financing for assets other than real estate. We do Non-Qualified Mortgage loans, commercial loans as well as working capital loans for equipment acquisition. Read More...
Jim Emerson founded AMI Lenders in 1990 when he realized he could provide services far superior to those being offered by existing banks, financial institutions and other Private Money Lenders.
AMI Lenders started as a small private hard money lender, but is now Houston's Premier Hard Money Lender and one of the largest Private Real Estate Lenders in the Southwest, there are no committees or third parties to stand between you and your loan.
AMI lends its own money and makes all decisions. This allows Jim Emerson and his staff of Residential Hard Money Lenders total control and flexibility when deciding on hard money loan.
"We close loans as fast as the law allows."
-Jim Emerson-
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. 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.”