Funding housing options for seniors.

We offer multiple lending sources to get you the best possible financing options for your needs.

Experience is important

As one of the most experienced and tenured team of lenders in the industry, M&T Realty Capital Corporation has closed more than $1 billion in seniors housing and skilled nursing loans over the past three years. We are a top 10 FHA/HUD healthcare lender, a Top Five Fannie Mae DUS® Seniors Housing lender, and a Freddie Mac Optigo® lender for seniors housing.

Eligible Properties

  • Independent Living (IL)
  • Assisted Living (AL)
  • Memory Care (MC)
  • Skilled Nursing Facilities (SNF)
  • Properties that include a combination of the types listed above
  • Hospitals

What We Offer!

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

  • Acquisition
  • Construction Takeout (Permanent Financing)
  • New Construction or Rehabilitation
  • Refinance

Products offered by M&T Bank and/or its other subsidiaries and affiliates:

  • Commercial banking services
  • Healthcare banking services*
  • Wealth management services
  • *Products may not be available in all markets.

Loan Types

Top Five Fannie Mae


Top Ten


Freddie Mac Optigo

Long-term loans securitized via Optigo® programs.

Bridge Loans

Short-term loans for acquisition and/or repositioning.

Life Insurance Company

Long-term loans held on third-party lender’s balance sheet.

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.
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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.