HUDGpt.
For multifamily lenders, sponsors, and operators

The expert on HUD multifamily lending.

Size a HUD refi for your property — or ask anything about the MAP Guide, Section 223(f), 221(d)(4) construction, 223(a)(7) streamlined refi, Section 232 healthcare, and Ginnie Mae securitization.

Size your refinance options
Search for your property to see what you can refinance into across Fannie, Freddie, and HUD products.
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Real-time answers from the AI trained on HUD multifamily lending policy.
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What we cover

Every HUD multifamily program, current to the latest MAP Guide and Housing Notices

MAP Loan Program

Multifamily Accelerated Processing — HUD's umbrella framework for 223(f), 221(d)(4), 223(a)(7), and Section 220. Approved MAP lender requirements, processing standards, and the 2026 MAP Guide.

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Section 223(f) Refinance

Acquisition or refinance of existing stabilized multifamily — 35-year fixed, fully-amortizing, non-recourse, up to 87% LTV. The longest term and lowest rate available in commercial multifamily.

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Section 221(d)(4) Construction

New construction and substantial rehabilitation — 40-year fully amortizing (35yr permanent + 5yr construction), non-recourse, up to 87% LTC market-rate / 90% affordable.

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Section 223(a)(7) Streamlined

HUD-to-HUD refi for existing FHA-insured borrowers — no new third-party reports, no re-underwriting, fastest HUD close (~60-90 days), reduced fees.

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Section 232 Healthcare (LEAN)

Mortgage insurance for skilled nursing, assisted living, board-and-care, and intermediate-care facilities. LEAN process, operator overlays, and the Office of Residential Care Facilities (ORCF) framework.

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