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Crefcoa Apartment Loan Refinance Programs

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Apartment Loans
Multifamily Loan for Lifeā„¢
Multifamily Loan for Life
With fixed interest rates up to 30 years, Crefcoa's Multifamily Loan for Life eliminates interest rate risk preserving the integrity of your investment.
  • Fixed rates up to 30 years
  • No balloon payments
  • No interest rate resets / adjustments
  • Non-recourse
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Crefcoa Apartment Loan Refinance Overview

Crefcoa is your single source solution for refinancing your apartment loan. Refinance with Crefcoa and we provide you with a unique level of personalization that allows us to understand your specific needs and objectives and provide the appropriate apartment mortgage loan that best maximizes your long term return on investment.

Crefcoa Apartment Building Loan Refinance Advantage

  • Strong origination volume enables us to negotiate the most favorable rates, terms and costs.
  • Apartment loans are available from bank, Fannie Mae multifamily, Freddie Mac multifamily, life companies, HUD FHA multifamily, CMBS and other institutional investors for most multifamily asset classes.
  • Over two decades of knowledge and experience ensure we close on rate, term and cost.
  • Efficient online electronic loan platform saves you time and money allowing you to concentrate on your multifamily investment, not on refinancing your multifamily loan.
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Apartment Loan Refinance

Apartment Loan

Refinance your apartment loan through Crefcoa. Multiple apartment financing options available.
  • Up to 80% LTV for debt refinances
  • Up to 80% LTV for cash out refinances
  • Fixed and floating rate options
  • Non-recourse and recourse guarantees
  • Interest only options available
  • Up to 30-year fixed rates
  • DSCR as low as 1.20
  • Non-balloon options

Commercial Apartment Loans

Multifamily Refinance Property Types

  • 5+ unit apartment buildings
  • Residential / commercial mixed use
  • Affordable housing
  • Student housing
  • Seniors housing
  • Mobile home parks
  • Military housing
  • Condominiums / Cooperatives
  • Town homes and 1-4 unit properties with 5 or more contiguous units or where units are located on one parcel. 1-4 unit standalone properties are ineligible.

Apartment Mortgage Refinance Document Requirements

Below is the standard documents Crefcoa requires to review your apartment loan refinancing request and determine program eligibility, pricing and terms.

Documents Required to Refinance Your Apartment Loan

  • Most recent two years and year to date income and expense statements (P&L) for the subject property. Drop any capital or non-recurring expenses below the line, or provide a separate capital expense summary. This is important as most lenders don't include capex or non-recurring expenses in their NOI underwriting analysis.
  • 12 month trailing P&L. A trailing P&L is a P&L broken out on a monthly basis over the past 12 months.
  • Current detailed rent roll.
  • Capital improvement summary of recent capital improvements, replacements, upgrades, etc.
  • Interior and exterior photos, old appraisal or website.
  • Personal financial statement for all key principals.
  • Schedule of real estate owned for all key principals.
  • Management company bio/resume if property is third party managed.
  • A summary of salient facts, or complete our online loan request summary.
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Apartment Loan Refinancing Availability

Crefcoa provides apartment mortgage refinancing options nationwide; however, availability varies depending on market size, asset type, loan size and strength of sponsorship. Contact a Crefcoa multifamily loan refinance specialist at 1-844-359-6413 to learn more.


▪  Alabama  ▪  Alaska  ▪  Arizona  ▪  Arkansas  ▪  California  ▪  Colorado  ▪  Connecticut  ▪  Delaware 

▪  Florida  ▪  Georgia  ▪  Hawaii  ▪  Idaho  ▪  Illinois  ▪  Indiana  ▪  Iowa  ▪  Kansas  ▪  Kentucky  

▪  Louisiana  ▪  Maine  ▪  Maryland  ▪  Massachusetts  ▪  Michigan  ▪  Minnesota  ▪  Mississippi  

▪  Missouri  ▪  Montana  ▪  Nebraska  ▪  Nevada ▪  New Hampshire  ▪  New Jersey  ▪  New Mexico  

▪  New York  ▪  North Carolina  ▪  North Dakota  ▪  Ohio  ▪  Oklahoma  ▪  Oregon  ▪  Pennsylvania 

▪  Rhode Island  ▪  South Carolina  ▪  South Dakota  ▪  Tennessee  ▪  Texas  ▪  Utah  ▪  Vermont  
▪  Virginia  ▪  Washington  ▪  Washington DC  ▪  West Virginia  ▪  Wisconsin  ▪  Wyoming

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Apartment loan availability -- including LTV, DSCR, and loan size -- may vary depending on property location, economic conditions, exposure, and other variables that may negatively influence risk. Loan programs and program guidelines (including, without limit, fees, rates and features) are subject to change. Information provided is not an offer to make a loan and should be used for informational purposes only.