First Financial  
Apartment Loans

Apartment Loans

Multifamily Financing and Apartment Loans

Build Your Real Estate Portfolio Wisely

 First Financial is a leading source of loans for the purchase of apartment buildings, also known as multifamily units. The best way to build a portfolio of income-generating properties is to ensure loan costs stay as low as possible. Since 1996, First Financial has closed more loans by operating online and carefully matching the borrower with a loan that provides stability for the situation long-term. After all, no matter the year, “the best time to buy real estate is always 10 years ago.”

It all starts with your information request. Since every situation is unique, we make sure to directly focus on and understand our customer’s individual needs. After submitting your request, within 24 hours we will reach out to you to discuss your commercial loan options. Since 1996, our loans have helped more than 50,000 customers stay current with what they want from a commercial lender.

Apartment loans we offer include:

  • Conventional Multifamily Loans Link – Best for first time buyers looking to acquire smaller units, conventional loans use the unit itself as collateral.
  • Conduit / CBMS Multifamily Loans Link – Best for experienced real estate investors, conduit / CMBS loans serve commercial borrowers whose financial details make them ineligible for a conventional loan. With the conduit loan, banks use mortgages from several properties as collateral, rather than the property itself.
  • Interim, Bridge and Construction Multifamily Loans LINK –  These short-term loans fill a need when a multifamily unit is being remodeled, but capital runs out. Banks are hesitant to lend when a property is undergoing change. Interim loans are stop-gap measures that keep construction on schedule. They can also provide the funds needed when closing dates on a new building purchase fall before monies are due for a former building’s sale.
  • Government-backed Multifamily loans – Freddie Mac, Fannie Mae, FHA and USDA LINK – these loans fulfill mandates from legislation to provide affordable housing and even office space in certain areas to certain populations. Those looking to buy or develop in rural and/or poor areas should always examine how government programs can help get them better rates and terms.

First Financial Advantages

Some of the perks of securing your apartment loan through First Financial include:

  • Higher chances for approval
  • Simple application process
  • Check your eligibility and rate with no impact to your credit score
  • Amortizations over 30 years
  • High Loan-to-Values Percentages
  • Fixed Rates from less than 4%
  • Quick closings (45 days)
  • 24/7 Loan Officer Customer Service Assistance
  • Competitive Fees
  • Banking-level Security

Still Mulling over Your Multifamily Purchase? Know the Trends

With real estate prices recovering since 2008, buyers are smart to be cautious about which properties have the most potential.

It makes sense that many landlords realize the most income potential by serving these two demographics:

  • young millennials looking to live in an urban environment
  • older folks looking to downsize

Both groups are attracted to properties with walkable restaurants, parks and entertainment but no lawn responsibilities. Owners have also begun attracting new tenants by prioritizing sustainability. Millennials and Baby Boomers both appreciate developments offering green energy, compost services, bicycle racks and pet areas. Lastly, unique luxury apartments that contain amenities like indoor rock climbing walls and yoga rooms separate forward-thinking complexes from the rest. These two consumer classes also believe small is better. Micro-apartments measuring 350-square-feet and less have become popular in San Francisco and New York City.[i]

You can use statistics like these to make the case that the investment property will be profitable in coming years.

A Trusted Multifamily Lender for the 21st Century Real Estate Investor  

If a traditional bank has turned down your multifamily financing request, recognize that their requirements may be outdated. With high labor, marketing and operational costs, traditional bricks-and-mortar banks must make more money and take less risk with the money they lend.

As an alternative, online lending service, First Financial’s operational and marketing efficiencies allows us to provide not only more loans to more applicants, but lower interest rates and fees. Further, our “soft pull” means you risk nothing to research the rates we can offer you. Apply today!


First Financial

First Financial ® Corporate Headquarters 2850 Womble Road Suite 100-604 San Diego, CA 92106

Client Service Center: Main: 1-800-315-7791 Fax: 1-800-215-0217 (Monday–Friday 5:00am–6:00pm Pacific or 8:00am–9:00pm Eastern)

Merchant Services / High Risk Merchant Accounts: 1-800-950-0212 Fax: 1-800-215-0217


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