HUD Multifamily Loan Originator

Industry: Commercial Real Estate Finance / Multifamily Mortgage Banking

Employment Type: Full-Time

Compensation: Base Salary + Production-Based Incentive Compensation

About the Opportunity

We are partnering with an established commercial real estate lending organization to identify an experienced HUD Multifamily Loan Originator to help expand its FHA-insured multifamily lending business.

This is an excellent opportunity for a motivated, relationship-driven mortgage banking professional who understands HUD financing and enjoys working with multifamily property owners, developers, investors, and other real estate professionals.

The ideal candidate will bring experience with HUD/FHA multifamily lending programs, particularly Sections 223(f) and 221(d)(4), along with a proven ability to develop new business, structure financing opportunities, and guide complex transactions through the lending process.

This role offers the opportunity to focus on business development and loan origination while collaborating with experienced underwriting and transaction support professionals.

If you're an experienced multifamily lending professional who enjoys building relationships, structuring deals, and helping clients bring real estate projects to life, this could be an excellent next step in your career.

What You'll Be Doing

As a HUD Multifamily Loan Originator, you will be responsible for identifying, developing, and managing FHA-insured multifamily financing opportunities from initial borrower engagement through closing.

Your responsibilities will include:

• Develop and maintain relationships with multifamily property owners, developers, investors, commercial real estate brokers, and other industry professionals.

• Generate new lending opportunities through networking, referrals, and strategic business development.

• Originate FHA-insured multifamily loans, including acquisition, refinancing, new construction, and substantial rehabilitation transactions.

• Evaluate potential financing opportunities and help determine the most appropriate HUD lending programs.

• Structure preliminary financing proposals, including loan sizing, terms, and financial feasibility.

• Work closely with HUD underwriters and internal lending professionals to move transactions through underwriting, approval, and closing.

• Coordinate with borrowers, attorneys, appraisers, engineers, environmental consultants, and other third-party professionals.

• Guide borrowers through HUD program requirements, documentation, timelines, and transaction expectations.

• Manage an active pipeline of lending opportunities and maintain consistent communication with borrowers and internal teams.

• Identify potential transaction challenges early and collaborate with the appropriate professionals to develop solutions.

• Represent the organization at industry conferences, networking events, and meetings with prospective clients.

• Build long-term relationships that generate repeat business and referral opportunities.

What We're Looking For

HUD & Multifamily Lending Experience

We are seeking candidates with a strong foundation in commercial real estate finance and multifamily lending.

Ideal qualifications include:

• 5+ years of experience in commercial real estate finance, multifamily mortgage banking, real estate development finance, or a related field.

• Experience originating, structuring, or underwriting multifamily mortgage transactions.

• Working knowledge of HUD/FHA multifamily lending programs, particularly Sections 223(f) and 221(d)(4).

• Understanding of the HUD Multifamily Accelerated Processing (MAP) process.

• Experience evaluating multifamily properties, borrower qualifications, financial statements, and financing structures.

• Familiarity with loan sizing, debt service coverage ratios (DSCR), loan-to-value (LTV), loan-to-cost (LTC), and net operating income (NOI).

• Ability to understand and review property operating statements, rent rolls, appraisals, market studies, and construction budgets.

• Strong organizational skills and the ability to manage multiple complex transactions simultaneously.

• Excellent communication, negotiation, and relationship-building skills.

A bachelor's degree in Finance, Real Estate, Business, Accounting, or a related field is preferred. Equivalent industry experience will also be considered.

Preferred Experience

Candidates with any of the following qualifications will receive strong consideration:

• Direct experience originating and closing HUD/FHA-insured multifamily loans.

• Experience with HUD Section 223(f) acquisition and refinancing transactions.

• Experience with HUD Section 221(d)(4) new construction and substantial rehabilitation financing.

• Established relationships with multifamily owners, developers, investors, brokers, and industry referral partners.

• Experience coordinating HUD Firm Commitment submissions and loan closings.

• Knowledge of affordable housing financing, tax credits, Section 8, or other government-supported housing programs.

• Experience working with HUD-approved lenders and MAP underwriters.

• Familiarity with construction financing, development budgets, and project feasibility analysis.

Professional credentials or designations such as CCIM, MBA, CPA, or CFA are a plus but are not required.

Lending Programs You'll Work With

HUD Section 223(f) – Acquisition & Refinancing

Work with multifamily property owners and investors seeking long-term financing for the acquisition or refinancing of eligible existing apartment properties.

HUD Section 221(d)(4) – New Construction & Substantial Rehabilitation

Partner with developers and investors seeking financing for new multifamily developments or significant rehabilitation projects.

You'll work alongside underwriting and other lending professionals to evaluate opportunities, coordinate transaction requirements, and help borrowers navigate the HUD financing process.

What Makes This Opportunity Attractive?

This position offers the opportunity to combine your knowledge of multifamily real estate finance with your ability to develop relationships and generate business.

Highlights include:

• Competitive base salary with production-based incentive compensation.

• Opportunity to originate a variety of HUD-insured multifamily transactions.

• Collaboration with experienced HUD underwriting and transaction support professionals.

• Ability to build and expand relationships within the multifamily real estate industry.

• Exposure to acquisition, refinancing, new construction, and substantial rehabilitation projects.

• Opportunity to contribute directly to business growth and lending production.

• A role that rewards initiative, relationship development, technical knowledge, and successful deal execution.

Who Will Be Successful in This Role?

The ideal candidate is a business-minded HUD lending professional who combines technical financing knowledge with strong sales and relationship-management skills.

You understand the complexities of HUD multifamily lending, but you also recognize that successful loan origination starts with building trust, identifying opportunities, and helping borrowers achieve their financing objectives.

You're comfortable managing multiple transactions, working with a variety of industry professionals, and maintaining momentum throughout a detailed lending process.

Most importantly, you're motivated to generate new business, build lasting relationships, and contribute to the long-term success of a growing lending platform.

Interested in Learning More?

If you have experience in HUD multifamily lending, FHA-insured commercial mortgage origination, or multifamily real estate finance, we'd welcome the opportunity to connect.