Top HUD Lenders of 2023: Choosing the Best Partner for Your Multifamily Financing

When it comes to multifamily financing, choosing the right lender is crucial for a successful investment. HUD (U.S. Department of Housing and Urban Development) lenders offer attractive loan programs, competitive rates, and a commitment to supporting multifamily property owners. 

Benefits of Choosing a Top HUD Lender for Your Multifamily Financing

Selecting a top HUD lender can offer numerous benefits. These include competitive loan programs, attractive interest rates, high loan-to-value (LTV) ratios, long loan terms, and non-recourse loans. Working with a reputable HUD lender can provide the financial resources and flexibility needed for your multifamily investment.

Key Factors to Consider When Selecting a HUD Lender

Several key factors must be considered when choosing a HUD lender for your multifamily financing. These include the lender’s experience and expertise in HUD financing, their reputation in the industry, the range of loan programs they offer, their interest rates and terms, and the eligibility criteria for their loans. You can find a lender that aligns with your financing needs and goals by carefully evaluating these factors.

How to Evaluate and Compare HUD Lenders for Your Multifamily Loan

Conducting thorough research and gathering relevant information is essential to evaluate and compare HUD lenders for your multifamily loan. Compare the interest rates and terms different lenders offer, considering factors such as fixed-rate options, loan-to-value ratios, and amortization periods. 

Additionally, assess the lender’s expertise in HUD financing and their successful loan closings track record. Reviewing customer testimonials and seeking recommendations from trusted sources is also beneficial.

Top 10 HUD Lenders of 2023

1. Stratton Equities:

  • Loan Programs: Hard money loans, fix and flip loans, multifamily loans, and more.
  • LTV: Up to 80% in select cases.
  • Loan Terms: 12-24 months.
  • Notable Feature: Offers foreclosure bailout loans.

2. Asset Based Lending, LLC (ABL):

  • Loan Programs: Rental property loans, fix and flip loans, bridge loans, and more.
  • LTV: Up to 80% with 30-day rate locks.
  • Loan Terms: Most loans close in as little as 30 days.
  • Notable Feature: One of the largest private real estate lenders, funding over $1.6 billion in loans.

3. Titan Funding:

  • Loan Programs: Traditional hard money loans, fix and flip loans, ground-up construction loans, and more.
  • LTV: Up to 100% with cross-collateralization.
  • Loan Terms: Permanent loans are available for up to 30 years.
  • Notable Feature: Offers specialized loans for fix and flips and property repositioning scenarios.

4. Griffin Funding:

  • Loan Programs: Conventional loans, reverse mortgages, non-QM loans, and more.
  • Notable Focus: Primary residence financing.
  • Unique Feature: Provides asset-based loans without traditional proof of income documents.

5. Capital Fund 1:

  • Loan Programs: Hard money and asset-based loans for fix and flip deals, cash-out refinancing, and more.
  • Notable Feature: Specializes in fast turnaround times, often funding deals within 24 hours.
  • Loan Terms: Offers loans with LTVs up to 90% for experienced real estate investors.

6. CoreVest Finance:

  • Loan Programs: Rental portfolio loans, bridge loans, multifamily loans, and more.
  • LTV: Up to 85% loan-to-cost (LTC).
  • Notable Feature: Provides non-recourse loans, safeguarding borrowers’ assets.

7. EquityMax:

  • Loan Programs: Fix and flip loans, cash-out refinances, non-recourse loans, and more.
  • LTV: Up to 80% or 65% ARV for fix and flip loans.
  • Notable Feature: Offers fast closing times, as little as 2-3 days after completing title and lien search.

8. HouseMax Funding:

  • Loan Programs: Fix and flip loans, rental loans, construction financing, and more.
  • LTV: Up to 75% of the after-repair value (ARV).
  • Notable Feature: Extensive experience in fixing and flipping properties.

9. Private Capital Investors:

  • Loan Programs: Commercial real estate funding (focuses on commercial properties).
  • Loan Sizes: $1 million to $50 million.
  • Notable Feature: Offers highly flexible loan terms and structures to meet borrowers’ unique needs.

10. Visio Lending:

  • Loan Programs: Rental loans for single-family and multifamily properties.
  • LTV: Up to 80%.
  • Notable Feature: Streamlined online application process for efficient loan origination.


Choosing a top HUD lender for your multifamily financing needs can provide numerous benefits, including competitive loan programs, favorable interest rates, and long loan terms. By considering factors such as experience, reputation, loan programs, and customer support, you can make an informed decision when selecting a lender. 

Conducting thorough research and comparing different lenders will help you find the best fit for your financing requirements. Remember to carefully review the terms and conditions, assess the lender’s reputation, and be aware of any additional fees associated with HUD loans. With the assistance of a top HUD lender, you can secure the financing you need to achieve your multifamily investment goals.


What factors should I consider when choosing a HUD lender for multifamily financing?

When selecting a HUD lender, consider their experience, reputation, loan programs, interest rates, and eligibility criteria.

What are the criteria used to determine the top HUD lenders?

The criteria for determining the top HUD lenders may include loan volume, customer satisfaction, industry reputation, and expertise in HUD financing.

Can I find a HUD lender that specializes in my specific financing needs?

Yes, some HUD lenders specialize in various financing needs, such as new construction, refinancing, or affordable housing projects.

How can I assess the reputation and reliability of a HUD lender?

You can assess a HUD lender’s reputation and reliability by reviewing customer testimonials, checking their industry credentials, and researching their successful loan closing track record.

Are there differences in loan terms and rates among the top HUD lenders?

Yes, there may be variations in loan terms and rates among the top HUD lenders. It’s essential to compare and evaluate the offerings of different lenders to find the most favorable terms for your multifamily financing.

What services and support can I expect from these top HUD lenders?

Top HUD lenders typically provide personalized customer service, guidance throughout the loan application process, and support in navigating HUD regulations and requirements.

Do the top HUD lenders assist in the application process?

Yes, reputable HUD lenders offer assistance throughout the application process, helping borrowers with document preparation, underwriting, and ensuring compliance with HUD guidelines.

Can I negotiate the terms and conditions with the top HUD lenders?

While specific terms and conditions may be negotiable with HUD lenders, it’s essential to understand that there are some limitations due to HUD regulations. However, discussing your needs with the lender can help determine areas where flexibility may be possible.

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