Bedford Lending

Bedford Lending Direct multifamily & healthcare HUD lender headquartered in Londonderry, NH. Our programs offer 85-95% financing and fixed rates for 35-40 years.

Bedford Lending’s direct loan program provides financing for the acquisition, refinance, new construction and substantial rehab of apartments, healthcare facilities, and hospitals. The company is comprised of Senior Lenders and Industry Specialists who average 30 years of lending and consulting experience.

HUD 223(f) Multifamily Cash-Out Refinance Program -
04/15/2026

HUD 223(f) Multifamily Cash-Out Refinance Program -

The HUD 223(f) program can be used to both acquire or refinance a multifamily property, but is most frequently utilized for cash-out refinances.  Last month, HUD published draft guidance that will further incentivize developers to utilize the 223(f) program, including:

HUD 223(f) Multifamily Program Update -
01/28/2026

HUD 223(f) Multifamily Program Update -

The HUD 223(f) program continues to offer highly competitive permanent financing for market-rate and affordable multifamily assets nationwide. New for Q1 2026: Continuing a trend seen throughout 2025, HUD anticipates publishing new guidance within the next 30-60 days that will streamline environmen...

HUD Reduces Rates (Mortgage Insurance) for Multifamily Loans -
09/22/2025

HUD Reduces Rates (Mortgage Insurance) for Multifamily Loans -

All HUD multifamily loan programs offer high leverage, non-recourse, below market interest rate terms to borrowers because the government insures each mortgage note in event of default. The government itself does not fund mortgages under the 221(d)(4), 223(f), etc. programs, rather their review, a...

HUD Significantly Reduces Rates for Multifamily Loans -
06/25/2025

HUD Significantly Reduces Rates for Multifamily Loans -

Yesterday, HUD Secretary Scott Turner announced one of the largest changes to their multifamily loan programs in decades; a formal reduction of HUD's "Mortgage Insurance Premium" for all requests.  Put simply, every HUD multifamily loan program (221(d)(4), 223(f), etc.) offers high-leverage, non...

HUD Multifamily Loan Streamlining Updates -
05/02/2025

HUD Multifamily Loan Streamlining Updates -

HUD continues to remove red tape and streamline their multifamily loan programs to incentivize both current and prospective borrowers. More changes have been proposed and/or issued in the past 30 days than in the past 10 years.

HUD 223(f) Multifamily Program Update -
03/18/2025

HUD 223(f) Multifamily Program Update -

Recently we have received inquiries from clients and colleagues who wonder if HUD's multifamily loan programs have already been or will be impacted by the new Trump administration. Fortunately, all HUD multifamily loan programs, including their most popular option, the HUD 223(f) program, remain...

HUD 223(f) Multifamily Program Update -
09/12/2024

HUD 223(f) Multifamily Program Update -

With significant rate compression in the markets, the HUD 223(f) program continues to offer highly competitive permanent financing for market rate and affordable multifamily assets located anywhere in the country.  General terms remain:

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77 Gilcreast Road Suite 2004
Bedford, NH
03053

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