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Apartment Financing Mortgage Loans

Are you looking to invest in apartment buildings or expand your multifamily property portfolio? Custom Mortgage and Real Estate offers specialized apartment financing mortgage loans to help you achieve your investment goals.

Benefits of Our Apartment Financing Options

Competitive interest rates tailored for multifamily properties

Flexible loan terms to suit your investment strategy

High loan-to-value ratios available for qualified borrowers

Options for both small apartment buildings and large complexes

Expert guidance throughout the financing process

Types of Apartment Loans We Offer

Conventional Multifamily Loans: Ideal for properties with 5+ units

Fannie Mae and Freddie Mac Programs: Government-sponsored loans with attractive terms

FHA Multifamily Loans: Government-insured options for affordable housing

DSCR Multifamily Mortgages: Mortgages based on the debt service ratio of the Apartment Residential Property

Bridge Hard Money Mortgage Loans: Short-term financing for quick property acquisitions

CMBS Loans: Commercial mortgage-backed securities for larger apartment complexes

Key Features of Our Apartment Financing

Loan amounts from $1 million to $100+ million

Fixed and adjustable rate options available

Non-recourse loans for qualified properties and borrowers

Financing for various property types: garden-style, high-rise, student housing, and more

Cash-out refinancing options for accessing equity

Why Choose Custom Mortgage for Apartment Financing?

Our team of experienced multifamily loan specialists understands the unique challenges and opportunities in apartment investing. We work with a wide network of lenders to ensure you get the best possible terms for your investment property.

Get Started with Apartment Financing

Ready to take the next step in your multifamily investment journey? Contact our apartment financing experts today for a personalized consultation. We’ll help you navigate the complexities of multifamily lending and find the perfect financing solution for your needs.Call us at [Your Phone Number] or fill out our online application to get started on your apartment financing journey with Custom Mortgage and Real Estate.

Apply for Apartment Financing Mortgage Loans

Contact Us below

Apartment Financing Mortgage Loans

 HIGHLIGHTS

  • Program Type

    Residential, Commercial

  • Maximum Loan Amount

    $50,000,000.00

  • Minimum Loan Amount

    $100,000.00

  • Interest Rate Range **

    5.5-9.5%

  • Maximum Loan To Value

    90%

  • Minimum Credit Score

    580 Fico

  • Amortization Term

    40 Yr fixed, 30 Yr Fixed, 3/27 ARM, 5/25 ARM, 10/20 ARM, 10/15 ARM, 30/10 ARM

Apartment Financing Mortgage Loans

 REQUIREMENTS

✓ Income:

2 Yrs Full Doc Taxes and or W2s Paystubs, 1 Yr Full Doc Taxes and or W2s Paystubs, 2 Yrs Bank Statements, 1 Yr Bank Statements, Asset Utilization, DSCR, Foreign Income, No Income

✓ Assets:

Verification of down payment if purchase – 2 months of bank statements for reserves

✓ Insurance

12 months of hazard insurance coverage paid at closing

✓ Title – Title:

insurance paid at closing

✓ Identification:

Copy of Drivers License/ID/Passport

✓ Occupancy Types:

Investment

✓ Max DTI:

50

✓ Valuation Requirement:

Appraisal or BPO or AVM

✓ Eligible Properties:

or 2-4 Units, 5-20 Multifamily

HOW OUR PROCESS WORKS

You begin with filling out our online application which usually takes about 15 minutes.

Submit Documents

Submit your loan documents by uploading them after your application such as ID, Bank Statements, Insurance and Income documents.  Once we have these, it usually takes 24-48 hours to get your loan pre approval.

Get Title and Escrow

Once your loan is pre approved, we can order your title and escrow documents to get your loan finalized.  This usually takes about 24 hours after your loan is pre approved.

Get Appraisal

Once we have your loan document, escrow and title documents received, we will order your appraisal which takes about one week to get back depending on your location.

Sign Loan Docs

Upon receipt of your appraisal, we will finalize your loan application and get the loan cleared to close after which is when we will complete the loan documents for you to sign.

Fund you loan!

Afer signed loan docs are received back from the escrow company, we will get your loan proceeds wired to the escrow to disperse to you and you will be done!  Congratulation from the whole CMRE family

apartment loans

Why choose CMRE for a

Apartment Financing Mortgage Loans

When it comes to financing your apartment building or multifamily property, Custom Mortgage and Real Estate (CMRE) stands out as a premier choice. Here are some of the main reasons why:

Expertise and Experience

With years of experience in the mortgage and real estate industry, CMRE has developed a deep understanding of the unique needs of apartment investors. Our team of seasoned professionals is well-versed in the intricacies of multifamily financing, ensuring you receive expert guidance and tailored solutions for your investment.

Comprehensive Loan Options

CMRE offers a wide range of apartment financing mortgage loans to suit various investment strategies and property types. Our offerings include:

  • Conventional Multifamily Loans: Ideal for properties with 5+ units, providing competitive rates and flexible terms.
  • Fannie Mae and Freddie Mac Programs: Government-sponsored loans with attractive terms and non-recourse options.
  • FHA/HUD Multifamily Loans: Government-insured loans with low rates and extended terms, perfect for affordable housing projects.
  • Bridge Loans: Short-term financing solutions for quick acquisitions or renovations.
  • CMBS Loans: Commercial mortgage-backed securities for larger apartment complexes.

Competitive Rates and Flexible Terms

We pride ourselves on offering some of the most competitive interest rates and flexible loan terms in the industry. Our loan programs are designed to provide high loan-to-value ratios, allowing you to leverage your investment effectively. Whether you need fixed or adjustable-rate options, CMRE has the right solution for you.

Personalized Service

At CMRE, we understand that every investment is unique. Our personalized approach ensures that we tailor our financing solutions to meet your specific needs. From the initial consultation to the final closing, our dedicated team will work closely with you to navigate the complexities of apartment financing.

Nationwide Reach

Our services are available nationwide, covering a wide range of states and counties. This extensive reach ensures that clients across the country can benefit from our expert services and competitive financing options, no matter where their properties are located.

Transparent and Trustworthy

Transparency and integrity are at the core of our business values. We believe in clear communication and honest dealings, ensuring that you are fully informed at every step of the process. Our commitment to ethical practices has earned us the trust and loyalty of our clients.

Exceptional Customer Service

Customer satisfaction is our top priority. Our dedicated team is always ready to assist you with any questions or concerns, providing prompt and reliable support. We strive to make your experience with CMRE as smooth and stress-free as possible.Choosing Custom Mortgage and Real Estate for your apartment financing mortgage loans means partnering with a team committed to your success. Our expertise, comprehensive loan options, competitive rates, and unwavering dedication to customer satisfaction make us the ideal choice for all your multifamily financing needs. Let us help you achieve your investment goals with confidence and ease.

Apply for a

Apartment Financing Mortgage Loans

Testimonials

I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker. They're great at what they do and very dedicated, so they're an awesome pick for any real estate transaction you might need. Save yourself the headache and go with CMRE.

Rene M Testimonial

Rene M

I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all. Furthermore, they gave us the best terms out there, making sure we got the most bang for our buck. If you're looking for a reliable mortgage partner, Custom Mortgage is the way to go!

Arthur G

As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there. Knowledgeable and responsive team; in a word, they made everything smooth and efficient. I would definitely recommend them to anyone everyone.

fereshte kb testimonial

Fereshteh B

My real estate agent referred me to Custom Mortgage and had nothing but great things to say about them; now I completely understand why. They set me up with a mortgage at an astounding rate of 1.875%, which really blew my mind. The whole process was super easy, with them always there to help me out with my questions. Their professionalism and commitment made it all so easy. You should check out Custom Mortgage if you need help with anything real estate related.

max val testimonial

Max V

OMG, as a real estate agent, I have partnered with a lot of lenders, and I can literally say that Custom Mortgage stands above the rest! They have always come through with the best options for my family, my clients, and me whenever we need mortgage loans. Their team knows what they are doing and will get back to you in record time to make it easy and smooth. I recommend Custom Mortgage to all my clients, friends, and family for their mortgage needs! They always find the best possible solution for our needs.

cecilia C testimonial

Cecelia Q

Our Partners

FAQ's for

Apartment Financing Mortgage Loans

General Questions

Q: What is an apartment financing mortgage loan?
A: An apartment financing mortgage loan is a type of loan specifically designed for the purchase, refinancing, or construction of apartment buildings and multifamily properties. These loans cater to investors and developers looking to finance properties with multiple residential units.

Types of Apartment Loans

Q: What types of apartment loans are available?
A: There are several types of apartment loans available, including:

  • FHA Apartment Loans: Government-backed loans with more lenient qualification requirements, ideal for affordable housing projects.
  • Conventional Loans: Standard loans offered by banks and financial institutions with competitive rates and terms.
  • CMBS Loans: Commercial Mortgage-Backed Securities, which pool loans and sell them as securities to investors.
  • Bridge Loans: Short-term loans used to quickly acquire or renovate properties before securing long-term financing.
  • Private and Hard Money Loans: Loans from private lenders with flexible terms but higher interest rates.

Loan Application Process

Q: How do I apply for an apartment financing mortgage loan?
A: To apply, you need to:

  1. Contact a CMRE loan officer for an initial consultation.
  2. Gather necessary documentation, including financial statements, property details, and personal identification.
  3. Submit a formal application for review.
  4. Undergo a due diligence process, which includes property appraisal, credit checks, and verification of financial information.

Q: What documentation is required for an apartment loan?
A: Common documentation includes:

  • Trailing 12-month operating statements
  • Current rent roll
  • Personal financial statements
  • Property photos and details
  • Business plan (for construction loans)
  • Proof of borrower net worth and liquidity

Loan Terms and Rates

Q: What are the typical terms and interest rates for apartment loans?
A: Loan terms and interest rates vary based on the type of loan and the borrower’s qualifications. Generally, apartment loans can have terms ranging from 5 to 30 years, with interest rates that can be fixed or adjustable. FHA and HUD loans often offer longer terms and lower rates compared to conventional loans.

Eligibility and Qualification

Q: What are the eligibility criteria for apartment loans?
A: Eligibility criteria include:

  • A good credit score (typically 620 or higher)
  • Sufficient net worth and liquidity relative to the loan amount
  • A solid business plan and property management experience
  • Adequate property income to cover loan payments (Debt Service Coverage Ratio)

Q: How long does it take to get approved for an apartment loan?
A: The approval process can take anywhere from 30 days to several months, depending on the complexity of the loan and the specific requirements of the lender.

Benefits and Risks

Q: What are the benefits of apartment financing mortgage loans?
A: Benefits include access to capital for large investments, potential for high returns through rental income, and the ability to leverage property value for further investments.Q: What are the risks associated with apartment loans?
A: Risks include market fluctuations affecting property value and rental income, long reselling times, and the ongoing costs of property maintenance and management.

Additional Information

Q: Can I refinance my existing apartment loan?
A: Yes, refinancing options are available to help you take advantage of better rates, consolidate debt, or access equity for property improvements.Q: Are there any alternative financing strategies?
A: Yes, alternatives include private money loans, hard money loans, and equity financing, where investors pool funds without taking out traditional loans.For more detailed information or to start your application, contact Custom Mortgage and Real Estate today. Our team of experts is ready to help you navigate the complexities of apartment financing and find the best solution for your investment needs.

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Apartment Financing Mortgage Loans
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Apartment Financing Mortgage Loans

Apartment Financing Mortgage Loans Lending Territories

STATES

CITIES

COUNTIES

ALBirminghamJefferson
ALHuntsvilleMadison
ALMobileMobile
ALMontgomeryMontgomery
ALTuscaloosaTuscaloosa
AKAnchorageAnchorage Borough
AKFairbanksFairbanks North Star
AZChandlerMaricopa
AZGilbertMaricopa
AZGlendaleMaricopa
AZMesaMaricopa
AZPeoriaMaricopa
AZPhoenixMaricopa
AZScottsdaleMaricopa
AZSurpriseMaricopa
AZTempeMaricopa
AZTucsonPima
AZYumaYuma
ARFort SmithSebastian
ARLittle RockPulaski
CAAgoura HillsLos Angeles
CAAnaheimOrange County
CAAntiochContra Costa
CABakersfieldKern
CABerkeleyAlameda County
CABeverly HillsLos Angeles
CABurbankLos Angeles
CACalabasasLos Angeles
CACarlsbadSan Diego
CACarsonLos Angeles
CAChicoButte
CAChula VistaSan Diego
CAClovisFresno
CAConcordContra Costa
CACoronaRiverside
CACoronadoSan Diego
CACosta MesaOrange County
CACupertino Santa Clara
CADaly CitySan Mateo
CADana PointOrange
CADowneyLos Angeles
CAEl CajonSan Diego
CAEl MonteLos Angeles
CAElk GroveSacramento
CAEscondidoSan Diego
CAFairfieldSolano
CAFontanaSan Bernardino
CAFremontAlameda
CAFresnoFresno
CAFosterSan Mateo
CAFullertonOrange
CAGarden GroveOrange
CAGlendaleLos Angeles
CAHaywardAlameda
CAHillsboroughSan Mateo
CAHuntington BeachOrange
CAInglewoodLos Angeles
CAIrvineOrange
CALagunaOrange
CALa Habra HeightsLos Angeles
CALancasterLos Angeles
CALong BeachLos Angeles
CALos Altos HillsSanta Clara
CALos AngelesLos Angeles
CAMalibuLos Angeles
CAMarina Del ReyLos Angeles
CAMillbraeSan Mateo
CAMission ViejoOrange
CAModestoStranislaus
CAMoreno ValleyRiverside
CAMurrietaRiverside
CANewportOrange
CANorwalkLos Angeles
CAOaklandAlameda
CAOceansideSan Diego
CAOrindaContra Costa
CAOntarioSan Bernardino
CAOrangeOrange
CAOxnardVentura
CAPalmdaleLos Angeles
CAPasadenaLos Angeles
CAPomonaLos Angeles
CARancho CucamongaSan Bernardino
CAPalos Verdes EstatesLos Angeles
CARancho Palos VerdesLos Angeles
CARialtoSan Bernardino
CARichmondContra Costa
CARiversideRiverside
CARolling Hills EstatesLos Angeles
CARosevillePlacer
CASacramentoSacramento
CASalinasMonterey
CASan BernardinoSan Bernardino
CASan DiegoSan Diego
CASan FranciscoSan Francisco
CASan JoseSanta Clara
CASan MateoSan Mateo
CASanta AnaOrange
CASanta BarbaraSanta Barbara
CASanta ClaraSanta Clara
CASanta ClaritaLos Angeles
CASanta CruzSanta Cruz
CASanta MariaSanta Barbara
CASan MarinoLos Angeles
CASanta MonicaLos Angeles
CASanta RosaSonoma
CASausalitoMarin
CASherman OaksLos Angeles
CASimi ValleyVentura
CASolana BeachSolano
CASouth GateLos Angeles
CAStocktonSan Joaquin
CASunnyvaleSanta Clara
CATemeculaRiverside
CAThousand OaksVentura
CATorranceLos Angeles
CAVacavilleSolano
CAVallejoSolano
CAVenturaVentura
CAVictorvilleSan Bernardino
CAVisaliaTulare County
CAVistaSan Diego
CAWest CovinaLos Angeles
CAWestlake VillageLos Angeles
CAWestminsterOrange
CAWoodsideSan Mateo
COArvadaJefferson
COAuroraDouglas
COBoulderBoulder
COCentennialArapahoe
COColorado SpringsEl Paso
CODenverArapahoe
COFort CollinsLarimer
COGreeleyWeld
COLakewoodJefferson
COLongmontBoulder
COPuebloPueblo
COThorntonAdams
COWestminsterAdams
CTBridgeportFairfield
CTHartfordHartford
CTNew HavenNew Haven
CTStamfordFairfield
CTWaterburyNew Haven
DEDewey BeachSussex
DEDoverKent
DENewarkNew Castle
DEMiddletonNew Castle
DENorth StarNew Castle
DERehoboth BeachSussex
DEWilmingtonNew Castle
FLBoca RatonPalm Beach
FLCape CoralLee
FLClearwaterPinellas
FLCoral SpringsBroward
FLDavieBroward
FLFort LauderdaleBroward
FLGainesvilleAlachua
FLHialeahMiami-Dade
FLHollywoodBroward
FLJacksonvilleDuval
FLLakelandPolk
FLMiami BeachMiami-Dade
FLMiami GardensMiami-Dade
FLMiamiMiami-Dade
FLMiramarBroward
FLOcalaMarion
FLOrlandoOrange
FLPalm BayBrevard
FLPalm BeachPalm Beach
FLPembroke PinesBroward
FLPincrestMiami-Dade
FLPlantationBroward
FLPompano BeachBroward
FLPort Saint LucieSaint Lucie
FLSaint PetersburgPinellas
FLSunriseBroward
FLTallahasseeLeon
FLTampaHillsborough
FLWest Palm BeachPalm Beach
GAAthens-ClarkeClarke
GAAtlantaFulton
GAAugustaAugusta-Richmond
GAColumbusMuscogee
GARoswellFulton
GASandy SpringsFulton
GASavannahChatham
HIHonoluluHonolulu
IDBoiseAda
ILAuroraKane
ILChicagoCook
ILElginKane
ILJolietKendall
ILNapervilleDuPage
ILPeoriaPeoria
ILRockfordWinnebago
ILSpringfieldSangamon
ILWaukeganLake
INFort WayneAllen
INIndianapolisMarion
IACedar RapidsLinn
IADavenportPolk
IADes MoinesPolk
KSOverland ParkJohnson
KSWichitaSedgwick
KYLexingtonFayette
KYLouisvilleJefferson
LABaton RougeMarshall
LANew OrleansOrleans Parish
LAShreveportCaddo Parish
MEPortlandCumberland
MDBaltimoreBaltimore
MABostonSuffolk
MABrocktonPlymouth
MACambridgeMiddlesex
MAFall RiverBristol
MALowellMiddlesex
MALynnEssex
MANew BedfordBristol
MAQuincyNorfolk
MASpringfieldHampton
MAWorcesterWorcester
MIAnn ArborWashtenaw
MIDearbornWayne
MIDetroitWayne
MIFlintGenesee
MIGrand RapidsKent
MILansingIngham
MILivoniaWayne
MISterling HeightsMacomb
MIWarrenMacomb
MNMinneapolisHennepin
MNSaint PaulRamsey
MSJacksonHinds
MOKansas CityWyandotte
MOSpringfieldGreene
MOSaint LouisSaint Louis
MTBozemanGallatin
NELincolnLancaster
NEOmahaDouglas
NVHendersonClark
NVLas VegasClark
NVNorth Las VegasClark
NVRenoWashoe
NHManchesterHillsborough
NJElizabethUnion
NJJersey CityHudson
NJNewarkEssex
NJPatersonPassaic
NMAlbuquerqueBernalillo
NYAlbanyAlbany
NYBuffaloErie
NYNew YorkNew York
NYRochesterMonroe
NYYonkersWestchester
NCCaryChatham
NCCharlotteMecklenburg
NCDurhamDurham
NCFayettevilleCumberland
NCGreensboroGuilford
NCHigh PointGuilford
NCRaleighWake
NCWilmingtonNew Hanover
NCWinston-SalemForsyth
NDWillistonWilliams
OHAkronSummit
OHCincinnatiHamilton
OHClevelandCuyahoga
OHColumbusFranklin
OHDaytonMontgomery
OHToledoLucas
OKBroken ArrowTulsa
OKNormanCleveland
OKOklahoma CityOklamhoma
OKTulsaTulsa
ORBeavertonWashington
OREugeneLane
ORGreshamMultnomah
ORHillsboroWashington
ORPortlandMultnomah
ORSalemMarion
PAAllentownLehigh
PAErieErie
PAPhiladelphiaCentre
PAPittsburghAllenheny
RIProvidenceProvidence
SCCharlestonCharleston
SCNorth CharlestonBerkleley
SDSioux FallsMinnehaha
TNKnoxvilleKnox
TNMemphisShelby
TNMurfreesboroRutherford
TNNashvilleDavidson
TXAllenCollin
TXAmarilloPotter
TXArlingtonTarrant
TXAustinTravis
TXCarrolltonDallas
TXCorpus ChristiNueces
TXDallasDallas
TXDentonDenton
TXEl PasoEl Paso
TXFort WorthTarrant
TXFriscoCollin
TXGarlandDallas
TXGrand PrairieDallas
TXHoustonHarris
TXIrvingDallas
TXLaredoWebb
TXMcKinneyCollin
TXMesquiteDallas
TXPlanoCollin
TXRichardsonDallas
TXSan AntonioBexar
UTSalt Lake CitySalt Lake
VTBurlingtonAlamance
VAAlexandriaFairfax
VAChesapeakeChesapeake
VAHamptonElizabeth City
VANewport NewsWarwick
VANorfolkNorfolk
VAPortsmouthPortsmouth
VARichmondChesterfield
VARoanokeRoanoke
VAVirginia BeachVirgina Beach
WABellevueKing
WAEverettSnohomish
WAFederal WayKing
WAKentKing
WARentonKing
WASeattleKing
WASpokane ValleySpokane
WASpokaneSpokane
WATacomaPierce
WAVancouverClark
WAWashington, D.C.Washington
WAYakimaFerguson
WVCharlestonKanawha
WIGreen BayBrown
WIKenoshaKenosha
WIMadisonDane
WIMilwaukeeMilwaukee
WYGilletteCampbell

A fintech real estate and finance agency for individuals and businesses

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  • 16501 Ventura Blvd STE 400, Encino, CA 91436
  • +1 (877) 9765 669
  • Monday - Friday :
    9:00 AM - 9:00 PM PST

Copyright © 2001–2024 Custom MTG Inc DBA Custom Mortgage and Real Estate – ** All information in this site is deemed reliable but is not guaranteed and is subject to change. The information provided on this website is for informational purposes only and is subject to change without notice. Interest rates, loan terms, and mortgage product details may fluctuate based on market conditions and lender policies. Actual rates and terms may vary based on individual circumstances, including credit score and income. Any calculations or estimates are for illustrative purposes only and do not constitute a quote or commitment to lend. We recommend consulting with a qualified mortgage professional for accurate information and advice tailored to your situation. Custom MTG Inc is not responsible for any errors or omissions in the information provided. This version retains the essential points while being more concise and easier to read.

Custom Mtg Inc., 16501 Ventura Blvd STE 400, Encino, CA 91436
CalBRE # 02018146 – NMLS # 1556995 

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