Affordable housing for those who need it.

We fund numerous affordable housing projects and thousands of affordable housing units each year.

Options are important

Our team ensures you receive the best possible financing options for your specific needs via Freddie Mac’s Targeted Affordable Housing (TAH) program, Fannie Mae’s Multifamily Affordable Housing (MAH) program, and FHA/HUD affordable housing loan programs.

We also work closely with our parent company, M&T Bank, to provide full-service solutions for qualifying affordable housing projects.

Property Types Financed!

Multifamily properties subject to an Affordable Regulatory Agreement with rent and/or income requirements, including:

  • Year 15 Assets
  • 9% LIHTC Transactions
  • Tax-Exempt Bonds (4% LIHTC)
  • Section 8 Properties
  • Workforce Housing Properties
  • NOAH Properties

What We Offer!

Fixed- and adjustable-rate, non-recourse loans or credit facilities with attractive structuring options for:

  • Acquisition
  • Refinances (including Cash-Out)
  • New Construction
  • Rehabilitation/ReSyndications
  • Bridge to ReSyndication
  • Construction Takeout (Permanent Financing)
  • Lease-Up Loans
  • Credit Enhancements
  • Forward Commitments (LIHTC and non-LIHTC)
  • Immediate Funding
  • Preservation of Affordable Units
  • Non-profit banking services*
  • Wealth management services

Products offered by M&T Bank and/or its other subsidiaries and affiliates. Commercial banking and lending services*, including:

  • Construction lending
  • Bridge lending
  • Equity bridge lending
  • Letters of Credit
  • LIHTC equity
  • PreDevelopment loans
  • Lines of Credit
  • Affordable Housing Program (AHP) Grants through FHLB – New York

Loan Types

Top Five Fannie Mae


Top Ten


Freddie Mac Optigo

Long-term loans securitized via Optigo® programs.

Get Started

Contact M&T Realty Capital Corporation to help.

Our program managers can talk through yourneeds to find options that work for you.


$24.5 Million in Financing for a Retail Property in Pennsylvania

M&T Realty Capital Corporation® has arranged a $24,500,000 life insurance company loan for the refinance of a 170,614-sf retail property located in Philadelphia, PA.
Read Article >
M&T Realty Capital Corporation is a wholly-owned subsidiary of M&T Bank. "DUS®" is a registered trademark of Fannie Mae. "OptigoSM" is a registered trademark of Freddie Mac.
All loans and all terms referenced herein are subject to receipt of a complete application, credit approval and other conditions.