A National Community Development Financial Institution (CDFI)Flexible Loan Capital Customized to Create Affordable Housing

Loan Products List

  • Energy Efficiency Incentives

    Energy Efficiency Incentives

    At CHC, we’re committed to incorporating energy efficiency incentives throughout our loan products. With a focus on partnership and flexibility, we work closely with our borrowers to access the resources needed to improve building performance, reduce energy use, and lower operating costs. Our goal is to make it easier to integrate energy-saving upgrades that strengthen communities and deliver long-term benefits for residents and developers.

    Ready to talk about how we can improve energy efficiency and building performance together? Reach out to our team below.

    Alvin Saafir at asaafir@communityhousingcapital.org
    Cindy Holler at choller@communityhousingcapital.org
    Dana Chestnut at dchestnut@communityhousingcapital.org

  • Lines of Credit

    Lines of Credit
    Lines of Credit Predevelopment LOC Multifamily Acquisition LOC Single Family LOC
    Purpose To Cover Feasibility Studies and 3rd Party Costs Expedited Closings for MF Properties to Compete with All-Cash Offers Expedited Closings for Acquisition and/or Rehab of SF Homes. Pairs well with Scattered-site Development.
    Loan Amounts Up to $1MM Up to $10 MM Up to $10 MM
    Term Up to 36 months Up to 36 months Up to 36 months
    LTV N/A Up to 95% for Performing Multifamily Properties Up to 85%
    Repayment Monthly Interest Only Monthly Interest Only Monthly Interest Only
    Commitment Fee Determined on a Case-by-Case Basis Determined on a Case-by-Case Basis Determined on a Case-by-Case Basis
    Application Fee $2,000 $2,000 $2,000
    Collateral Unsecured 1st Lien Security Interest 1st Lien Security Interest
    Legal Paid by Borrower Paid by Borrower Paid by Borrower

  • Acquisition

    Acquisition
    Purpose Purchase of Land, Vacant or Occupied Multifamily Buildings
    Loan Amounts Up to $15 MM
    Term Up to 36 months
    LTV Land: Up to 85%
    MF: Up to 95%
    Repayment Monthly Interest Only
    Commitment Fee Determined on a Case-by-Case Basis
    Application Fee $2,000
    Collateral 1st Lien Security Interest
    Legal Paid by Borrower

  • Construction

    Construction
    Multifamily Construction Single Family Construction (Revolving)
    Purpose New Construction and Rehab of Multifamily Properties New Construction and Rehab of Single Family Scattered-site and Sub-division
    Loan Amounts Up to $15 MM Up to $10 MM
    Term Up to 36 months Up to 36 months
    LTV Up to 95% with Subsidy in Place Up to 85%
    Repayment Monthly Interest Only Monthly Interest Only
    Commitment Fee Determined on a Case-by-Case Basis Determined on a Case-by-Case Basis
    Application Fee $2,000 $2,000
    Collateral 1st Lien Security Interest 1st Lien Security Interest
    Legal Paid by Borrower Paid by Borrower

  • Bridge

    Bridge
    Purpose Short-term Funds to Bridge Timing of Committed Subsidy or Long-term Financing
    Loan Amounts Up to $15 MM
    Term Up to 36 months
    LTV Up to 90%
    Repayment Monthly Interest Only
    Commitment Fee Determined on a Case-by-Case Basis
    Application Fee $2,000
    Collateral 1st Lien Security Interest
    Legal Paid by Borrower

  • Multi-Family Permanent

    Multi-Family Permanent

    Mini-Perm Multifamily Permanent
    Purpose Acquire and Stabilize Multifamily Housing Preserve Multifamily Properties Long Term, Fixed-rate Loan > 20 units
    Loan Amounts $250K - $15 MM $500K - $15 MM
    Term Up to 7 Years Up to 30 Years
    LTV Up to 90% Up to 90%
    Repayment Monthly Principal and Interest Payment based on 30-year Amortization Monthly Principal and Interest; May have 15-year Lockout or Yield Maintenance
    Commitment Fee Determined on a Case-by-Case Basis Determined on a Case-by-Case Basis
    Application Fee $2,000 $2,000
    Debt Service Coverage Determined on a Case-by-Case Basis Determined on a Case-by-Case Basis
    Collateral 1st Lien Security Interest 1st Lien Security Interest
    Legal Paid by Borrower Paid by Borrower

  • Forward Commitment

    Forward Commitment
    Purpose Take-out for LIHTC Properties > 20 Units
    Loan Amounts $500K - $10 MM
    Term Up to 30 Years
    LTV Up to 90%
    Repayment Monthly Principal & Interest; May have15-year Lockout or Yield Maintenance
    Commitment Fee Determined on a Case-by-Case Basis
    Applications Fee $2,000
    Collateral 1st Lien Security Interest
    Debt Service Coverage Determined on a Case-by-Case Basis
    Legal Paid by Borrower

  • FHLBAtlanta AHP

    CHC sponsors several applications each year on behalf of its borrowers to receive an Affordable Housing Program (AHP) award for up to $500,000 for the acquisition, construction, rehabilitation, and development of affordable rental and ownership housing. As part of sponsoring borrower applications to FHLBank Atlanta, CHC also provides a commitment for additional financing for the project upon successful application to each organization.