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Flexible Financing

Multifamily Loans

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Comprehensive Solutions

INSIGNIA Financial Services seamlessly provides multifamily property owners and investors fast, efficient access to a broad supply of agency, bank, CMBS, credit union, debt fund, life company, and private lender capital with expert guidance, certainty of execution, and a streamlined process.

Performance

We are client-centric and performance driven dealmakers. Your success is our success.

Specialization

We're seasoned lending professionals with thousands of loans funded.

Transparency

We provide a transparent engagement, diligence and closing process.

Certainty

Capitalize on more opportunities with greater certainty of execution.

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Expert Guidance

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 deliver.

  • Small Apartment Buildings
  • Affordable Housing
  • Market Rate Multifamily
  • Skilled Nursing & Healthcare
  • Mixed Use
  • Assisted Living
  • Manufactured Housing
  • Student Housing
  • Workforce Housing
Fannie Mae

Starting at $750K

Freddie Mac

Starting at $1MM

USDA Loans

Starting at $2MM

HUD FHA Loans

Starting at $2MM

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Fannie Mae:

Fannie Mae's multifamily loan programs, including loans for acquiring or refinancing multifamily, affordable, student housing, or seniors housing property, are designed for properties with 5 or more units. These programs offer a variety of features, including competitive interest rates, flexible terms, non-recourse, and relatively high leverage.

Freddie Mac:

Freddie Mac's multifamily loan programs are similar to Fannie Mae's, but also offer some specialized programs for properties with special needs such as targeted affordable housing, seniors, green renovations, or properties that are located in underserved areas.

HUD:

These programs offer a variety of features, including below-market interest rates, subsidized loans, and grants. HUD offers a number of multifamily loan programs, including Section 221(d)(4), Section 223(f), FHA HUD Section 223(a)(7), FHA HUD Section 232, and Section 236.

USDA:

USDA's multifamily loan programs are designed to help borrowers finance rural housing projects, including USDA offers a number of multifamily loan programs, including the Single Family Housing Guaranteed Loan (SFHGL) for properties with up to 12 units, and Multifamily Housing Guaranteed Loan (MFHGL) for properties with up to 50 units.

Agency Multifamily Loans

When evaluating the different types of multifamily loan programs available, there are a number of factors to consider, such as the historical performance of the property, the number of units, location, and the borrower’s experience, liquidity, net worth, and credit.

This page summarizes the available multifamily loan program offerings from Fannie Mae, Freddie Mac, HUD, and USDA. Contact us for more detailed information about each program.

If Agency financing is not the best fit, our proprietary placement platform ensures we can meet the current and future demands of our clients, regardless of loan execution requirements. 

Partnership Through Finance

Whatever your financing needs, we’ll help you find the options that work best for you.

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apartment building loans

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© 2025 INSIGNIA Financial Services, LLC. All rights reserved.

The information provided herein is intended for business users only and is not intended for use by the general public or individual, personal, or household consumers. Programs may be cancelled or modified at any time without prior notice. Programs may not be available in all jurisdictions. These materials are intended to provide general information to the reader. This information is made available with the understanding that INSIGNIA Financial Services, LLC is not engaged in rendering legal, accounting, or other professional services. We use reasonable care in providing information but cannot guarantee accuracy or completeness. Information is provided with no warranty, express or implied, any and all such warranties are expressly disclaimed. We assume no liability for any loss, damage, or expense from errors or omissions in these materials, whether arising in contract, tort, or otherwise. Freddie Mac® and Optigo® are registered trademarks of Freddie Mac. Fannie Mae® is a registered trademark of Fannie Mae. INSIGNIA Financial Services LLC is not affiliated with the Department of Housing and Urban Development (HUD), Federal Housing Administration (FHA), Freddie Mac or Fannie Mae. We do not conduct business in Alaska, Minnesota, Nevada, North Dakota, South Dakota, Oregon, Utah, and Vermont.