FHA/HUD Mortgage Lending


ZFC specializes in providing higher leverage, low-cost, fixed rate debt for for-profit, non-profit and community-based licensed care providers nationwide. With a focus on Section 232, ZFC specializes in facilitating financing transactions for skilled nursing, assisted living and memory care facilities.


ZFC can implement government insured mortgage loans for the following types of transactions:


Program Features

  • Long term fixed-rate financing available for licensed senior care facilities
  • High loan-to-values (up to 85%)
  • Historically low interest rates with a variety of rate lock mechanics available
  • Long loan term and amortization, often 35 to 40 years
  • Low debt service coverage hurdles
  • Favorable non-recourse provisions
  • Loan seasoning required for equity take out and refinancing new construction
  • Processing times vary by program
  • High levels of due diligence


Term Sheets for For-profit Providers


Term Sheets for Not-for-profit Providers


We customize solutions to meet our client’s strategic and financial objectives, and take a true advisory approach into our engagements and long-term relationships. Meet our team of experts and get to know us and our work.
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