Lument offers a comprehensive suite of financing solutions — including Fannie Mae, Freddie Mac, HUD/FHA, USDA, and proprietary balance sheet programs, as well as a full range of alternative capital options. We deliver tailored lending strategies backed by a team that is knowledgeable, insightful, and committed to client success. Browse our loan programs below.

FANNIE MAE

Lument’s designation as a Fannie Mae DUS^® Lender means we can access the full range of Fannie Mae products for multifamily, affordable, small loans, and seniors housing. Whatever your objectives—purchasing, refinancing, or renovating—our Fannie Mae options can make a difference.

Affordable Housing Preservation Bulk Delivery Choice Refinance Conventional Properties Cooperative Properties Credit Enhancement of Variable Rate Tax-Exempt Bonds Credit Facility Declining (Graduated) Prepayment Premium DUS Mortgage Loans Fixed-Rate Mortgage Loans Flexible Choice Bridge Green Rewards Healthy Housing Rewards Enhanced Resident Services Healthy Housing Rewards Healthy Design Manufactured Housing Communities (MHC) MBS as Tax-Exempt Bond Collateral (MTEB) – Fixed-Rate MBS Exchange (Taxable Forward) Moderate Rehabilitation (Mod Rehab) Supplemental Mortgage Loan Moderate Rehabilitation (Mod Rehab) Supplemental Mortgage Loan for Multifamily Affordable Properties (MAH) Multifamily DUS MBS Near-Stabilization Execution Reduced Occupancy Affordable Rehab (ROAR) Execution Rural Development Guaranteed Rural Rental Housing Program Seniors Housing Small Loan Program Sponsor-Dedicated Workforce (SDW) Housing Sponsor-Initiated Affordability (SIA) Standard FHA Risk Sharing Execution Streamlined Rate Lock Structured Adjustable Rate Mortgage Loans (SARM Loans) Student Housing Supplemental Loans Tax-Exempt Bond Credit Enhancement Unfunded Forward Commitment for 4% LIHTC Properties Unfunded Forward Commitment for 9% LIHTC Properties

* The rate options and features listed below are available for the majority of Fannie Mae’s permanent financing executions, eligible property types, and multiple asset transactions. Please contact your regional office for further details.

FREDDIE MAC

As an approved Freddie Mac Optigo^® Seller/Servicer, Lument’s experts can select from Freddie Mac’s unique solutions for conventional multifamily, targeted affordable housing, small balance, and seniors housing, satisfying the needs of middle-market as well as institutional investors.

9% LIHTC Cash Loan Bond Credit Enhancement with 4% LIHTC Bond Credit Enhancement with Other Affordability Components Cash Loan for Affordable Housing Preservation Conventional Forwards Early Rate-Lock Fixed-Rate Loan Float-to-Fixed-rate Loan (Two-Plus-Seven) Floating-Rate Loan Green Advantage^® HUD Section 8 Financing Impact Gap Financing Index Lock Lease-Up Loan Manufactured Housing Community Loan Manufactured Housing Resident Owned Community Loan (MHROC) Moderate Rehab Loan NOAH Preservation Loan Non-LIHTC Forwards Preservation Rehabilitation Financing Seniors Housing Loan Small Balance Loan Portfolios Small Balance Loans Student Housing Loan Supplemental Loan Tax-Exempt Loan

HUD/FHA

HUD/FHA offers some of the best terms available to multifamily, seniors housing, and healthcare investors. As an approved Multifamily Accelerated Processing (MAP) and LEAN lender, Lument can guide investors through the application process and help them secure these exceptional loans.

Commonly Asked Questions Introduction

Section 220: Rental Housing for Urban Renewal and Concentrated Development Areas Section 221(d)(4): Multifamily New Construction/Substantial Rehabilitation Section 223(a)(7): Refinance for FHA Insured Properties Section 223(f): Multifamily Refinance or Acquisition Section: 241(a): Supplemental Loan for FHA Insured Properties

Acute Care Facilities New Construction or Substantial Rehab Acute Care Facilities Refinance or Acquisition Critical Access Hospitals New Construction or Substantial Rehab Default Workout Services Mortgage Insurance for Supplemental Loans Term Sheet New Construction/Substantial Rehabilitation Skilled Nursing and Assisted Living Facilities Projects for the Elderly – Apartment New Construction/Substantial Rehabilitation Refinance/Acquisition: Skilled Nursing and Assisted Living Facilities Section 223(a)(7): Refinance for FHA Insured Properties

BALANCE SHEET

Thanks to the financial support of our parent company, ORIX USA, Lument has the capacity to accommodate investors who would benefit from a balance sheet execution, for instance, as a bridge to agency finance or for rehabbing a property.

Affordable Multifamily Housing Delegated Lender Affiliate (DLA) Mezzanine Financing Moderate Rehabilitation (Mod Rehab) Supplemental Mortgage Loan for Multifamily Affordable Properties (MAH) Multifamily Housing Seniors Housing and Healthcare Structured Debt/Equity Financing Overview

Alternative Financing

With access to diverse alternative lending sources — including banks, life companies, debt funds, conduits, and more — we can source financing that fits your vision, including permanent debt, bridge loans, construction loans, mezzanine debt, or preferred equity.

Non-Agency Alternative Financing

USDA

Not all affordable housing is located in cities. We tap the USDA Rural Development programs to help investors provide affordable housing for low- to moderate-income residents in rural areas and towns as well as USDA programs for seniors housing and healthcare facilities.

Community Facilities Program Section 538 – Apartment New Construction/Substantial Rehabilitation