Multifamily Finance

Fast. Flexible. Effective.

INSIGNIA finances a wide range of multifamily properties, including apartment buildings, co-ops, manufactured housing, mobile home parks, and student housing. As a leader in multifamily financing, we’re changing the way apartment loans are done by giving you more choices, better terms, and a faster, simpler loan process. It’s financing that fits your needs.

For small balance loans, we work directly with borrowers and through our broker relationships nationwide. We provide agency and non-agency small balance loans on multifamily assets to assist buyers, owners and investors with the financing they seek with the features and flexibility they require.

Our lending professionals bring years of experience and provide you with centralized negotiation, coordination, and pricing through long-standing relationships with institutional investors, private lenders, private equity, and other market participants. Benefit from a wide array of financing solutions and get personal service from in-market experts who specialize in creative solutions.

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 36 months of closing.

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

Agency Multifamily Financing

FHLMC Bond Credit Enhancement with 4% 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 Conventional Manufactured Housing Community
FHLMC Moderate Rehabilitation Loan

Freddie Mac Seniors Housing Program

Freddie Mac Bond Credit Enhancement with 4% LIHTC
Freddie Mac 9% LIHTC Cash Loan Term Sheet
TAH Express Targeted Affordable
Freddie Mac Affordable Moderate Rehabilitation
Freddie Mac Targeted Affordable Housing Preservation

Freddie Mac Green Advantage
Freddie Mac Conventional Student Housing Mortgage

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

  • Loan Amount: $200,000 – $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 5 Years
  • No Minimum Credit Score
  • Location: Nationwide


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


    $5 million minimum.


    Generally 1 to 3 years. Extension options available.


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


    1.25 at exit with appropriate in place DSCR; lower DSCRs considered if payment supported by pre-funded interest reserves or guarantees.


    75% of exit value.

  • LTC



    Floating rate over LIBOR index. 

Meet Our Multifamily Lending Team

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. 

John Morelli
John Morelli
Dmitry Bresler
Dmitry Bresler
Shawn Jurgensen
Shawn Jurgensen
William Chu
William Chu
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