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Christian Care Home was built in to replace the original older facility of the same name. I think we are all happy to see the new year arrive! We have a new Fed chairperson who is widely expected to go slow in withdrawing monetary stimulus. HUD is committed as ever to maintaining a strong supply of affordable multifamily and healthcare properties across the country.
In fact, Multifamily Deputy Assistant Secretary Ben Metcalf recently said the agency is focused on the jobs-creating potential of the d 4 construction-financing program in particular. Hopefully, more of those outside the industry will soon realize how meaningful these programs are not just for economic development, but for local communities as well.
Call us to see how we can work together in Know the five common missteps that can complicate underwriting by Denise Troeschel , senior vice president and co-chief underwriter, Love Funding. In recent years, multifamily and health-care property developers have flocked to loan-insurance programs run by the U. Department of Housing and Urban Development HUD as traditional financing options first became scarce and then failed to rebound from pre-crisis levels. In addition, the Office of Healthcare Programs received applications in fiscal-year , a dramatic increase from the received in fiscal-year Despite these increases, the HUD underwriting process remains challenging for many borrowers.
With thorough preparation, commercial mortgage brokers can avoid unpleasant surprises that often lead to delays in funding. With the knowledge of what underwriters look for in HUD loans, brokers can save clients the shock of seeing their deals derailed by unexpected requests.
For decades, HUD has served essentially as the lender of last resort for many multifamily and health-care property developers. But as more borrowers have become familiar with the benefits of Federal Housing Administration FHA financing, they continue to come back for more.
Because FHA loans are backed by the government, their interest rates are highly competitive. The loans also are nonrecourse, meaning the lender only can pursue the collateral put up to recover the loan in the case of default; the government must make up the difference.
This last attribute makes the agency especially diligent when agreeing to back a new loan. Commercial mortgage brokers and borrowers who have gone through HUD loan processing know how rigorous HUD underwriting standards are.
But many borrowers making use of these important programs today are first-timers. But these questions are a good sign that your lender is working hard to anticipate what HUD is likely to ask once the application is submitted. It is important to realize that some of these mistakes are entirely avoidable. Nancy Smith, North Port, Fla.
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