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Types of Multifamily Apartment Loans

Several types of loans are available for multifamily properties, each with distinct features and benefits:

- **Conventional Loans**: Offered by banks and credit unions, these loans are ideal for borrowers with strong credit histories and substantial down payments.

- **FHA Loans**: Insured by the Federal Housing Administration, these loans are accessible to borrowers with lower credit scores and smaller down payments.

- **Freddie Mac and Fannie Mae Loans**: These government-sponsored enterprises provide competitive rates and terms for multifamily properties, particularly for affordable housing projects.

- **Bridge Loans**: Short-term financing solutions designed to "bridge" the gap until permanent financing is secured, often used for property renovations or acquisitions³.