Multifamily Finance

INSIGNIA Financial Services provides access to Fannie Mae, Freddie Mac, HUD/FHA, and a broad supply of CMBS, bank, and life company capital for multifamily owners and investors with the value and convenience of a single relationship. We strive to provide more choices, better terms, and a faster, simpler loan process for our clients. It’s financing that fits your needs.

The INSIGNIA multifamily lending team has extensive experience structuring, processing, approving and closing loans, and understands the process from start to finish. As a privately held non-bank commercial lender, we share an entrepreneurial spirit with our clients and business partners. We understand the unique needs of investors and small business owners, and we work closely with our clients to provide the necessary capital to help them grow and prosper.

INSIGNIA also provides proprietary permanent and bridge financing for multifamily properties. Our proprietary lending programs offer non-recourse, first mortgage financing for the acquisition or refinancing of stabilized multifamily properties, as well as bridge financing for pre-stabilization multifamily properties expected to meet permanent financing criteria within 24 months of closing.

We finance a wide range of multifamily properties, including apartment buildings, co-ops, manufactured housing, memory care facilities, mobile home parks, senior housing, and student housing. 

Whether your goal is to grow your portfolio, improve returns on existing assets, or meet other financial goals, we have the expertise and reliability to get you there.

Agency Multifamily Financing

We offer a full menu of permanent loan programs for Conventional Multifamily; Affordable Multifamily; Seniors, Skilled Nursing and Assisted Living; Student Housing and Manufactured Housing properties from both Fannie Mae and Freddie Mac.

FHLMC Bond Credit Enhancement with LIHTC
FHLMC Lease-Up Loan
FHLMC Value-Add Loan
FHLMC Small Balance Loans
FHLMC Conventional Fixed-Rate Loan
FHLMC Conventional Floating-Rate Loan
FHLMC Conventional Supplemental Loan
FHLMC Direct Purchase of Tax-Exempt Loans
FHLMC Manufactured Housing Community
FHLMC Moderate Rehabilitation Loan

Freddie Mac Seniors Housing Program

Freddie Mac Bond Credit Enhancement with LIHTC
Freddie Mac LIHTC Cash Loan Term Sheet
TAH Express Targeted Affordable
Freddie Mac Affordable Moderate Rehabilitation
Freddie Mac Targeted Affordable Housing Preservation

Fannie Mae Near-Stabilization
Fannie Mae Moderate Rehab Program
Fannie Mae Hybrid ARM
Fannie Mae Green Rewards
Fannie Mae Structured Adjustable-Rate Mortgage Loan
DUS® Supplemental Financing
DUS® Manufactured Housing Property Lending
DUS® Fixed Rate Program
DUS Bond Credit Enhancement
Fannie Mae ARM 7-6

Fannie Mae Green Rewards
Fannie Mae Seniors Housing Program

Fannie Mae Green Rewards
Fannie Mae Affordable Small Loan
DUS® Fixed Rate Program – Multifamily Affordable Housing Preservation
Fannie Mae Unfunded Forward Multifamily Affordable Housing

DUS® Student Housing Loan Program

INSIGNIA provides a wide range of creative financing solutions for investors and operators in the healthcare industry.

  • Assisted living
  • Skilled nursing
  • Independent living
  • Alzheimer’s Care
  • Memory Care
  • Rehabilitation Centers
  • Long Term Care

INSIGNIA offers a broad variety of loan products to facilitate the construction, acquisition, rehabilitation, and repositioning of multifamily affordable housing nationwide, including LIHTC financing.



 Non-Agency Mortgage Financing

We also offer a full menu of loan programs for non-Agency and interim financing options for properties and situations requiring greater flexibility. 

  • Loan Amount: $250,000 – $5,000,000
  • Loan Purpose: Purchase, Refinance, Cash Out,
  • Loan to Value: Up to 80%
  • Minimum Credit Score: 600
  • Loan Terms: Up to 30 Years (5, 7, 10 Year or 30 Year Fixed)
  • Amortization: Up to 30 Years
  • Documentation: Full, Lite, and No Income
  • Location: Nationwide
  • Loan Amount: $250K +
  • Loan to Value: Up to 75%
  • Interest Rates: As low as 7.75%
  • Loan Terms: Up to 30 Years (5, 7, 10 Year or 30 Year Fixed)
  • Amortization: Up to 30 Years
  • Documentation: Full, Lite, and No Income
  • Location: Nationwide



  • Loan Amount: $250K +
  • Loan to Value: Up to 70%
  • Loan Terms: Up to 2 Years
  • No Minimum Credit Score
  • Location: Nationwide

Bridge loans offer investors the opportunity to leverage short-term financing benefits without compromising long-term ROI.


    Generally 1 to 3 years. Extension options available.


    Determined on a case-by-case basis. Typically, interest-only payments.


    75% of exit value.

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