Our Lending Platforms

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FHA PROGRAMS

Merchants Capital is a leading FHA-insured multifamily lender.  It services loans for some of the largest developers nationwide.  Merchants Capital, formerly PR Mortgage & Investments, has consistently been a top FHA lender by dollar volume of origination and number of loans closed.  FHA origination volume has maintained momentum since the 2012 and 2013 refinance boom, especially within the multifamily and senior living facility markets.

FANNIE MAE PROGRAMS

Merchants Capital is a licensed Fannie Mae Multifamily Affordable Housing Lender.  Fannie Mae is the leading provider of financing for multifamily properties including apartment buildings and cooperatives.

FREDDIE MAC PROGRAMS

Merchants Capital is a national Freddie Mac Targeted Affordable Housing Seller/Servicer.  Freddie Mac provides a full range of competitively priced, reliable loan products for the acquisition, refinance, or moderate rehabilitation of multifamily communities.

CONVENTIONAL FINANCING

Merchants Capital provides conventional financing through our parent company, Merchants Bank, to help clients prepare and position properties to qualify for Fannie Mae, Freddie Mac, FHA or other long term loans.  Our bridge and permanent loan teams design specialized finance programs that give you the short-term funding that you need to move forward with your project with your long-term financial objectives in mind.

RURAL HOUSING SERVICES (USDA)

The Rural Housing Service (RHS) is an agency of the United States Department of Agriculture (USDA). Located within the Department’s Rural Development mission area, RHS operates a broad range of programs to provide:

  • Construction and permanent financing available
  • Housing rehabilitation and preservation funding
  • Rental assistance to tenants of RHS-funded multi-family housing complexes
  • Help to developers of multi-family housing projects, like assisted housing for the elderly and disabled, or apartment buildings.

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