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For owners & developers · HUD / FHA financing

HUD financing — as easy as it can get.

See what HUD financing could do for your property — in minutes.

Pillar sizes your multifamily or healthcare property against HUD/FHA program rules, prepares a lender-ready package, and connects you with HUD lenders. Long-term, fixed-rate, non-recourse debt — without months of paperwork before you know where you stand.

Free, no-obligation sizing
Reply within one business day
Draft term sheet and project file prepared for you
Get your free loan sizing
Takes about two minutes. No credit pull.
No cost, no obligation. Pillar is not a lender; loans are made by third-party HUD-approved lenders and are subject to their underwriting and HUD approval.
35–40 year terms
Among the longest fixed-rate terms in commercial real estate.
Fixed & fully amortizing
No balloon payment and no refinance risk at maturity.
Non-recourse
Subject to standard carve-outs.
High leverage
Higher loan-to-value than most conventional options.
How it works

From "would HUD work for us?" to a lender-ready file.

01

Tell us about your property

A few basics — type, size, location, what you're trying to do. No documents needed yet.

02

Get your sizing

We size the loan against the HUD program's DSCR, LTV and debt-yield rules, so you see what you could borrow before spending on reports.

03

Go to lenders prepared

We draft your term sheet, organize the project file, and introduce you to HUD-approved lenders who fit your deal.

Loan programs

Which HUD program fits your project?

HUD 223(f)

Refinance or buy an existing apartment property

  • Stabilized multifamily, market-rate or affordable
  • Up to 35-year fixed, fully amortizing
  • Cash-out and moderate repairs allowed
Check if my property fits →
HUD 221(d)(4)

Build new or substantially rehab

  • One loan covers construction and permanent
  • Up to 40 years after construction
  • Interest-only during construction
Check if my project fits →
HUD 232

Healthcare & seniors housing

  • Skilled nursing, assisted living, memory care
  • Refinance, acquisition or new construction
  • Up to 35-year fixed, fully amortizing
Check if my facility fits →
What we work on

Properties we size and package

Market-rate apartmentsAffordable & LIHTCWorkforce housingSenior apartmentsAssisted livingMemory careSkilled nursingResidential care
FAQsHow much can I borrow? How long does HUD take? What are 223(f), 221(d)(4) and 232 loans?Read the answers →

Find out what your property qualifies for.

Free sizing, usually back within one business day. Prefer email? hello@pillar-lending.com

Get my free sizing →