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Multifamily Loans
FHA Apartment Construction Loans 3.240% – 3.640% Fixed 40 Years Get Confidential Loan Quote ›
Fannie Mae 5 Year Adjustable Rate Multifamily Loans 2.773% Get Confidential Loan Quote ›
Apartment Refinance Loans 3.150% Fixed 35 Years Exclusive Apartment Loans Refinance Offer ›

Multifamily Loans

Multifamily Financing Insured By HUD, FHA, Fannie Mae And Freddie Mac

Multifamily loans are our core lending focus at Apartment Financing America. We place multifamily loans that are insured by the nation’s GSE lenders, most commonly known as Fannie Mae, Freddie Mac and FHA. The principal and interest of the GSE multifamily loans we place is guaranteed by each respective Government Sponsored Enterprise. Because the lender bears only nominal risk, we are able to offer our clients multi family loans at interest rates which are among the lowest in the world.

Because we offer multifamily financing with the extraordinarily low mortgage rates achievable with Fannie Mae, Freddie Mac and FHA multifamily loans, we can focus our efforts, and more than four decades of multifamily lending expertise, on making your next project more profitable, because making you more successful is our only overarching goal.

When you combine the inherently low mortgage rates of the Fannie Mae, Freddie Mac and FHA apartment loans we place, our extraordinary commitment to our client’s success and more than four decades of apartment financing expertise, you get multifamily loans with low interest rates, attractive terms, certainty of execution and loan closings with no surprises. In short, precisely the kind of loans that will make your deals, and you, more successful.

Confidential Loan Quote RequestFour decades of multi family lending expertise has prepared us for any and every eventuality in real estate transactions. Because no situation is ever a mystery, we are always ready to help our clients overcome the countless obstacles that can arise in apartment lending transactions. Regardless of whether you need guidance for particularly complex multifamily financing transactions or strategic advice planning staged apartment acquisition financing, you’ll find we are a very capable strategic partner.

There are so many types of real estate deals and even more commercial loans to finance them, no single lender can expertly serve them all. Even multifamily loans and multifamily mortgage rates come in a variety of shapes and sizes. That’s why we carefully focus our core business on multifamily financing. By focusing our expertise on such a narrow segment of the market, we are able to provide our clients with low rate, multifamily financing solutions. Information about the GSE multifamily loans we offer is summarized below, while navigation links to the types of loans we offer are above on the left; simply click on the type of multifamily loan you need.

FHA Multifamily Loans

FHA Multifamily Financing

FHA multifamily loans are guaranteed under the authority of the Department of Housing and Urban Development, known as HUD. FHA multifamily loans, which are available nationwide, provide financing for a variety of property types including apartments, multifamily affordable housing, manufactured housing communities and senior living communities.

FHA Multifamily Loans Highlights

FHA multifamily financing is available for apartment acquisition loans, multifamily construction loans, loans for rehab/renovation and apartment refinancing. FHA multifamily mortgages are self-amortizing loans with very attractive mortgage rates. Loans are non-recourse with standard carve-outs and are underwritten for 35-40 years. Minimum loan amounts are $5,000,000 for apartment acquisition loans and apartment refinancing loans, and $25,000,000 for multifamily construction loans. Maximum allowable leverage is 83.3% on purchases and 80% on refinances. Learn more about all FHA loan programs we offer.

  • Minimum acquisition loan $1 mil
  • Minimum construction loans $25 mil
  • Non-recourse with standard carve-outs
  • Amortization terms from 35-40 years
  • Loan to value ratio 83.3% acquisitions
  • Loan to value ratio 80% refinancing
  • Supplemental loans are available
  • Multifamily loans are self-amortizing

Fannie Mae Multifamily Loans

Fannie Mae multifamily loans are available nationwide in both primary and secondary markets. Fannie Mae multifamily loans can be used for apartment building loans, student housing, affordable housing loans, or independent senior living loans. They can only be used for stabilized properties. There is a $750,000 minimum loan amount on FNMA multifamily loans and maximum loan of 80% LTV on purchases and 75% LTV on refinances.

Fannie Mae Multifamily Loan Highlights

FNMA has lower borrowing costs than most other sources of capital, so FNMA multifamily loans are affordable for many older properties, those that need capital improvements, properties in smaller communities and properties that would otherwise have difficulty securing multifamily financing. Fannie Mae multifamily loans are available with fixed or floating rates, may include an interest-only period, and are amortized over 25-30 years with a balloon payment due at the end of the term. Learn more about all Fannie Mae loan programs we offer.

  • Minimum loan amount $750,000
  • Non-recourse with standard carve-outs
  • Customized loan terms from 5-30 years
  • Lease Up programs available
  • Moderate rehab program available
  • Maximum purchase LTV 80%
  • Maximum refinance LTV 75%
  • Supplemental loans available
  • Mezzanine financing available
  • Interest only options available
Fannie Mae Multifamily Loans
Freddie Mac Multifamily Loans

Freddie Mac Multifamily Loans

Freddie Mac multifamily loans are insured by the Federal Home Loan Mortgage Corporation, known as FHLMC or Freddie Mac. Freddie Mac multifamily loans are available nationwide, providing multifamily financing for a variety of property types including apartments, affordable housing and senior living communities.

Freddie Mac Multifamily Loans Highlights

Freddie Mac multifamily financing is available for apartment acquisition loans, multifamily moderate rehab loans and apartment refinancing. Freddie Mac multifamily mortgages are self-amortizing loans with very attractive mortgage rates. Loans are non-recourse with standard carve-outs and are underwritten for 5-30 years. Minimum loan amount is $1,000,000. Maximum allowable leverage is 80% on purchases and refinances. Learn more about all Freddie Mac loan programs we offer.

  • Minimum loan amount $1 mil
  • Lease-up & moderate rehab programs
  • Non-recourse with standard carve-outs
  • Amortization terms from 5-30 years
  • Maximum loan to value ratio 80%
  • Mezzanine financing available
  • Supplemental loans available
  • Multifamily loans are self-amortizing

Multifamily CMBS Loans

Multifamily commercial mortgage backed securities or CMBS loans, also known as conduit loans, are packaged and sold by conduit lenders, commercial banks or mortgage banks. Multifamily CMBS loans often provide more flexible underwriting guidelines than GSE loans, allowing many investors to borrow when they otherwise may not meet stringent conventional liquidity and net worth guidelines.

Multifamily CMBS Loan Highlights

Multifamily CMBS loans are available for multifamily acquisition loans, moderate rehab loans and multifamily refinancing loans. Multifamily CMBS mortgages offer 5-30 year amortizations with 5, 7 or 10 year fixed-rate terms with balloon payments. Loans are non-recourse with standard carve-outs. Minimum loan amount is $2,000,000 with no maximum. Learn more about all CMBS loan programs we offer.

  • $2,000,000 minimum loan amount
  • Non-recourse with standard carve-outs
  • Fixed rate terms of 5, 7 and 10 years
  • 25-30 year amortization
  • Leverage up to 80% LTV
  • Supplemental loans available
  • Mezzanine financing available
  • Interest only payment options
CMBS Multifamily Loans

Multifamily Loan Case Studies

Fannie Mae Multifamily Affordable Housing Loan Houston Texas
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Fannie Mae Multifamily Affordable Housing Loan

Provided $9,300,000 Fannie Mae multifamily affordable housing loan for Class C apartments in Houston Texas.

Fannie Mae apartment loan Texas for Concord At Little York apartments
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Fannie Mae Apartment Loan Texas Case Study

Originated $13,000,000 Fannie Mae apartment loan Texas for Concord at Little York apartments Houston Texas.

FHA Apartment Loan Arizona Starrview at Starr Pass
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FHA Apartment Loan Arizona Starrview at Starr Pass Tuscon

Refinanced FHA apartment loan in Arizona with FHA 223a7 for Starrview at Starr Pass in Tuscon Arizona

FNMA Affordable Housing Finance LIHTC Houston Texas Shoreham Apartments
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FNMA Affordable Housing Loan LIHTC Tax Credits Houston TX

Combined LIHTC tax credits with $3,600,000 FNMA affordable housing loan for Houston multifamily project.