Multifamily Capital

Strong relationships create impressive results

Wells Fargo has a dedicated team that specializes in providing financing for multifamily properties using the programs of Fannie Mae, Freddie Mac, and the FHA. Our originators are experienced with originating, underwriting, and closing the various loan programs offered, and as one of the top multifamily loan servicers, we remain committed to providing superior customer service before, during, and after loan closing. We also offer balance sheet financing options, increasing our lending flexibility to better meet our multifamily-focused customer needs.

Organizations we serve

Experienced local and national multifamily developers, investors, and owners.

Fannie Mae & Freddie Mac loan programs

GSE financing has a variety of loan programs for market rate properties, but also for specific multifamily property types and we have experts dedicated to those, including affordable housing, seniors housing, cooperatives, manufactured home communities, and student housing.


  • Early rate lock: Up to 12 months
  • Very flexible and low interest rate options: Fixed, structured adjustable, fixed/floating rate combinations, and discount mortgage-backed securities
  • Supplemental loans: After one year with a pre-existing GSE loan
  • Prepayment options: Yield maintenance (YM) with non-standard YM periods available and graduated prepayment options

FHA loan programs

As one of the nation’s largest U.S. Department of Housing and Urban Development and Federal Housing Administration (FHA)- insured mortgage lenders for multifamily and healthcare servicing facilities, we know how beneficial these loan programs are to you.


  • Consistent capital through all credit cycles: HUD-insured loans can be financed through the sale of highly liquid, low interest rate Ginnie Mae Mortgage-Backed Securities. Tax exempt financing is also available.
  • Eliminate refinancing risk: All loans are fully amortizing, with construction/permanent loans up to 40 years and permanent loans up to 35 years.
  • Eliminate interest rate and permanent conversions risk: Construction/rehab programs are fixed-rate, nonrecourse during construction and permanent phases with no resizing at the end of construction based upon net operating income.
  • Supplemental loans: Available for pre-existing HUD loans for renovation or expansion.

Balance sheet financing

We offer balance sheet financing options, which increases our lending flexibility to better meet our multifamily-focused customers’ needs.

  • Term, bridge, mezzanine
  • Forward commitments
  • Direct bond purchase
  • Tax-exempt bond enhancements
  • Credit facilities

Complementary Wells Fargo products and services

When you work with us, our relationship approach means you will have one point of contact who can give you access to a wide range of complementary products and services.

  • Tax credit capital
  • Forward commitments
  • CMBS lending
  • Securitization and distribution (CMBS, Agency CMBS, CRE CLOs)
  • Loan Warehouse/Repo Lending
  • Corporate finance
  • Treasury management


  • First approved Fannie Mae DUS® Lender
  • One of the first approved Freddie Mac Multifamily Seller/Servicers
  • FHA/HUD multifamily and healthcare lender, approved under HUD’s Multifamily Accelerated Processing (MAP), Healthcare LEAN, and Hospital programs