Loan Program Information

M&T Realty Capital Corporation® provides competitive mortgage financing nationwide for commercial properties—including affordable and market-rate multifamily and seniors housing properties; healthcare facilities; office, industrial, and retail properties—through a variety of loan programs.

Fannie Mae Multifamily Financing

Loans for apartment properties, including affordable housing, market-rate properties, independent and assisted living, manufactured housing communities, student housing, and cooperatives. Learn More >

Freddie Mac Multifamily Financing

Loans for apartment properties, including affordable housing, market-rate properties, independent and assisted living, student housing, and cooperatives. Learn More >

FHA/HUD Healthcare Financing

Loans for the acquisition, refinance, new construction, or substantial rehabilitation of a seniors housing property or healthcare facility. Learn More >

FHA/HUD Multifamily Financing

Loans for the acquisition, refinance, new construction, or substantial rehabilitation of an affordable, age-restricted, or market-rate multifamily property. Learn More >

Life Insurance Company Financing

Loans for commercial income property types—office, industrial, retail, and hotel (on an exception basis)—as well as for multifamily properties. Learn More >

CMBS Financing

Loans for commercial income property types—office, industrial, retail, and hotel—as well as for multifamily properties. Learn More >

Small Loan Partner Program - Multifamily Financing

Loans for the acquisition or refinance of existing, stabilized multifamily properties with 5 or more units. Learn More >


All loans and all terms referenced herein are subject to receipt of a completed application, credit approval and other conditions.

M&T RCC Facts

  • In 2019, we originated $5.2 billion in loans, and currently service a loan portfolio of $20 billion.
  • We are a Top Ten FHA lender, and can provide financing for healthcare facilities or multifamily properties.
  • We are a Top Five Fannie Mae Seniors Housing lender, and also provide financing for seniors housing via Freddie Mac, FHA, and life company loan programs.
  • We are one of only 19 lenders that hold licenses with all three agencies (Fannie Mae, Freddie Mac and FHA).