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HUD-Insured Multifamily Loans, Simplified.

Our mission is to simplify and streamline the HUD loan process for everyone — multifamily owners and developers alike.

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HUD-Insured Loans

It may be common knowledge that the Department of Housing and Urban Development is the source of the apartment industry's most affordable, longest-term, best-leveraged, fully amortizing, non-recourse, assumable financing. Unfortunately, due to perceptions of insurmountable red tape and lengthy closing times, many people believe that HUD loans aren’t worth the trouble. As a result, many multifamily investors never even consider what could be their best source of financing.

In contrast, the reality is this: Besides being grossly misunderstood, HUD-insured loans are some of the greatest and most underused tools in the industry.

Non-recourse
Fully amortizing
High leverage

Our team exists solely to help others secure HUD-insured multifamily financing. To do this, we provide clear and realistic expectations, a well-communicated timeline, and easy-to-understand requirements. This allows us to successfully work with multifamily investors who have never considered a HUD or FHA loan. We also work with owners and developers that may have unpleasant experiences with intermediaries or lenders that may not have been a great fit. 

We partner with industry leaders and investors that fund billions of dollars in loan volume per year. As a result, we know the strengths and weaknesses, the niches, and each team's ability to execute. Our underwriting is always a deep dive, and hiccups are thoroughly avoided through clear communication and rigorous work on our end. 

In brief, we are experts in arranging FHA-insured loans for market-rate, affordable and senior multifamily properties, providing certainty of execution to every client. 

About Janover

Janover makes commercial lending move at the speed of AI. Our suite of commercial real estate, small business, and lender solutions help you find and act on the smartest opportunities — fast.

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10%

of FDIC insured banks

$200B

applications

3 million

businesses helped

HUD 223(f)

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HUD 223(f) is intended for the purchase or refinance of apartment properties of any class, including cooperatives, affordable housing, independent living or subsidized multifamily properties. 223(f) loans are fixed rate and fully amortizing during the 35-year term with available leverage of up to 87% LTV, and even higher for subsidized properties. All FHA-insured multifamily debt, including 223(f) loans, are non-recourse with standard carve-outs. 
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⁠Current HUD 223(f) Rates and Terms →

Fixed rate
Fully amortizing

HUD 221(d)(4)

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HUD 221(d)(4) is probably the best known HUD product, used for ground-up construction or substantial rehabilitation of multifamily properties. These loans offer leverage up to 87% of cost for market-rate developments, going even higher for affordable properties. They are fixed rate and fully amortizing for 40 years after an up to three-year, fixed-rate, interest-only period during construction. HUD 221(d)(4) debt is non-recourse with standard carve-outs. 
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⁠Current HUD 221(d)(4) Rates and Terms →

Ground-up construction
Substantial rehabilitation

Getting commercial property financing should be easy.⁠ Now it is.

Click below for a free, no obligation quote and to learn more about your loan options.

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Janover: Your Partner in Growth

At Janover, we offer a wide range of services tailored to your unique needs. From commercial property loans and LP management to business loans and services for lenders, we're here to help you succeed.

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Get the best CRE financing on the market.

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Syndicate deals on autopilot with Janover Connect.

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Supercharge your loan pipeline. Unlock more deals.

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HUD Loans

HUD Loans is a Janover company. Please visit some of our family of sites at: Multifamily Loans, Commercial Real Estate Loans, SBA7a Loans, HUD Loans, Janover Insurance, Janover Pro, Janover Connect, and Janover Engage.

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For Commercial Mortgage Brokers

This website is owned by a company that offers business advice, information and other services related to multifamily, commercial real estate, and business financing. We have no affiliation with any government agency and are not a lender. We are a technology company that uses software and experience to bring lenders and borrowers together. By using this website, you agree to our use of cookies, our Terms of Use and our Privacy Policy. We use cookies to provide you with a great experience and to help our website run effectively.

Freddie Mac® and Optigo® are registered trademarks of Freddie Mac. Fannie Mae® is a registered trademark of Fannie Mae. We are not affiliated with the Department of Housing and Urban Development (HUD), Federal Housing Administration (FHA), Freddie Mac or Fannie Mae.

This website utilizes artificial intelligence technologies to auto-generate responses, which have limitations in accuracy and appropriateness. Users should not rely upon AI-generated content for definitive advice and instead should confirm facts or consult professionals regarding any personal, legal, financial or other matters. The website owner is not responsible for damages allegedly arising from use of this website's AI.

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