Plain-language guides to qualifying for, pricing, comparing and exiting a HUD loan, in one place.
Everything to know before a HUD loan
Bravo Capital's HUD Loan Guides answer the questions owners ask most before choosing HUD financing: whether a property qualifies, how HUD rates and costs work, how HUD compares with Fannie Mae, Freddie Mac and bank loans, and what happens when you sell. Each guide is written by Bravo Capital, a HUD MAP and LEAN approved lender based in New York.
$2.5B+
Financing closed with affiliates
100%
HUD closing rate in 2025
35 yrs
Fixed rate on HUD 223(f), up to
Getting started
01
Does My Property Qualify for HUD 223(f)?
What HUD looks for in an existing apartment property: occupancy, income, condition and ownership.
02
What Is a HUD MAP and LEAN Lender?
What a MAP or LEAN approved lender does for you, and how that differs from a broker.
Costs, terms and comparisons
05
HUD vs. Agency Loans
HUD side by side with Fannie Mae, Freddie Mac and bank loans: leverage, term and recourse.
06
Selling or Paying Off a HUD Loan
Assumption, prepayment and refinance options when you sell or pay off early.
Programs, property types and places
Build-to-Rent HUD Loans
How HUD's October 2026 update opened HUD financing to build-to-rent communities.
HUD's Express Lane for Healthcare
HUD's faster review for qualifying Section 232/223(f) healthcare refinances.
HUD Financing for Assisted Living
How HUD Section 232 loans work for assisted living facilities.
Mezzanine Financing
Extra proceeds behind a senior or bridge loan, secured by a pledge of ownership interests.
Lending in New Jersey
Bravo's construction, bridge and HUD loans across New Jersey.
FAQs and Glossary
Short answers to common HUD questions, and the terms used in every guide.
Quick answers from the guides
- How long is a HUD 223(f) loan fixed?
- A HUD 223(f) loan has a fixed rate for up to 35 years and is fully amortizing, with no balloon payment. See How HUD Loan Rates Work.
- Can a buyer take over my HUD loan when I sell?
- Bravo Capital's HUD loans are fully assumable, subject to required approvals. Every assumption is reviewed and approved; it is not automatic. See Selling or Paying Off a HUD Loan.
- What is a HUD MAP lender?
- A HUD-approved MAP lender is a lender approved to process eligible FHA-insured multifamily loan applications through HUD's Multifamily Accelerated Processing framework. See What Is a HUD MAP and LEAN Lender?
Have a question the guides don't answer?
Our HUD team will walk you through it.
