Committed to Affordable Housing

As part of M&T Bank, we have access to a breadth of financing options making us a leading affordable housing capital provider.

Why Choose M&T Realty Capital

Expertise Along with An Array of Products & Services

  • Dedicated affordable housing licenses with Fannie Mae (MAH) and Freddie Mac (TAH).
  • We offer a full service model with all the tools and guidance to support your specifc needs throughout the loan process. 
  • Ranked #11 in the Top 25 Affordable Housing Lender ranking by Affordable Housing Finance.

What We Offer

We are here to listen and help you identify the right solution.

Loan Products

Different options are available to finance your unique project

  • Fannie Mae – Multifamily Affordable Housing (MAH)
  • Freddie Mac – Targeted Affordable Housing (TAH)
  • FHA
  • Private Placement Execution (Construction to Permanent)
  • Bridge Loans
  • CDFI Placement

Property Types

Our experts understand what solutions are right for your real estate

  • Section 8 HAP Contract Properties
  • Tax-Exempt Bonds / 4% LIHTC
  • 9% LIHTC
  • RAD Properties
  • Workforce Housing
  • NOAH Properties

From New Construction to Rehabilitations Loans

We offer customized financial solutions to meet your specific affordable housing needs.

  • Non-recourse
  • Forward Committed Permanent Loans
  • Longer amortization up to 40 years
  • Higher leverage up to 90% LTV
  • Fixed Rate Executions (some with early rate lock options)
  • Floating Rate Executions 

Our Commitment to Growing Affordable Housing

$1.8 billion

in Affordable Housing Financing

$325 million LIHTC to be Committed

annualized low-income housing tax credit equity

Ranked #11 Lender

via Affordable Housing Finance 2022

Leveraging the Power of the M&T Bank Balance Sheet

As part of M&T Bank we have access to a breadth of financing options.

  • Construction Loans
  • Bridge Loans
  • LIHTC Equity
  • Equity Bridge Loans (LIHTC)
  • PreDevelopment Loans
  • Lines of Credit
  • Letters of Credit

We have a dedicated nationwide affordable housing platform with a team of experienced professionals. Contact us to start the conversation.

Contact Our Affordable Housing Experts

Sean Cullen

Interim Affordable Housing Platform Manager

Sandy DeFelice

FHA Platform Manager

M&T Realty Capital Corporation is a wholly-owned subsidiary of M&T Bank. Member FDIC