Here is a 2025 updated list of HUD Lenders based in the Texas area. When searching for an FHA lender, we chose to ignore that large corporations and banks because we are interested in personalized service.
We chose lenders that are listed on HUD’s list of Multifamily Accelerated Processing (MAP) Approved Lenders. When then filtered down the list, and picked out the companies with an office or headquarters in the great state of Texas.
Since lending is a relationship based business, we have also included firms that specialize in bridge loans to get you refinanced quickly, and setup for moving over to a HUD loan down the road.
Harborview Capital Partners
Harborview Capital Partners is a full service commercial real estate finance, equity and advisory firm. Harborview’s proprietary mezzanine loan program, allows them to consistently deliver financing results for borrowers.
Their mission is to be an innovative partner with their clients. They provide unparalleled access to debt, equity and advisory services for all the commercial real estate asset classes. Including; Multifamily, Healthcare, Office, Retail, Industrial and Hospitality.
- Website: HarborviewCP.com
- LinkedIn: https://www.linkedin.com/company/harborview-capital-partners/
- Phone: 516-453-9402
Davis-Penn Mortgage Co.
Davis-Penn Mortgage Company is a Houston Texas based commercial mortgage originator, with a long-standing focus on multifamily and commercial real estate financing.
They have established an expertise in working with HUD loan programs, providing financing solutions for multifamily properties that qualify for HUD. Davis-Penn also offers a range of commercial real estate lending products, both for new acquisition and refinancing.
- Website: DavisPenn.com
- LinkedIn: https://www.linkedin.com/company/davis-penn-mortgage-co/
Johnson Capital Multifamly / Red Oak Capital
Johnson Capital Multifamily is a Texas based lender, specializes in HUD financing for; multifamily, affordable housing, senior housing and healthcare properties.
They were recently acquired by White Oak Capital Holding. Red Oak is the division of White Oak that specializes in bridge loans, and after that, the loan is refinanced via a HUD loan. This made their merger with Johnson Capital a no brainer.
If you are looking for a HUD loan, then it make sense to speak with the folks at Red Oak, and see which stage of the process your property is at.
- Website Red Oak: RedOakCapitalHoldings.com
- Website Johnson Capital: JCmultifamily.com
- LinkedIn: https://www.linkedin.com/company/red-oak-capital-fund-llc/
Lument Real Estate Capital
Lument Real Estate Capital is a mega real estate finance company with over 500 employees, serving a broad spectrum of borrowers in the commercial real estate sector.
They offer HUD loan products as part of its many loan options, for real estate projects that qualify under HUD’s multifamily and affordable housing programs. Lument provides both permanent and bridge loans tailored to various asset classes, including multifamily, office, and retail properties.
- Website: Lument.com
- LinkedIn: https://www.linkedin.com/company/lument/
NewPoint Real Estate Capital
NewPoint Real Estate Capital is a specialized lender in the commercial real estate market. They are a fairly large company with over 200 employees. Headquartered in Plano Texas, they have 18 sattelite offices across the country.
NewPoint structures its deals to meet both borrower needs and regulatory requirements, often blending HUD-specific products with traditional financing structures. They offer financing under the various HUD loan programs. Focusing on multifamily properties that benefit from the stability and favorable terms of HUD-insured loans.
- Website: Newpoint.com
- LinkedIn: https://www.linkedin.com/company/newpoint-real-estate-capital/
Highland Commercial Mortgage
Highland Commercial Mortgage is an Alabama based lender that provide financing for the development of multifamily and healthcare properties.
They are an approved Multifamily Accelerated Processing (MAP) lender, and also offer tax-exempt, taxable bond financing arrangements and subordinated debt options.
- Website: HCMD4.com
- LinkedIn: https://www.linkedin.com/company/highland-commercial-mortgage/
Which Texas FHA Lender to Choose?
The world of commercial finance is huge, and there are many FHA Lenders, banks and commercial mortgage brokers, that are not know to the general public. Therefore it is easy to get lost navigating a loan refinance when you go with a mega commercial lender.
Checkout the lenders LinkedIn company page! When you visit their LinkedIN page, you will see how many employees they have, and if you are professionally connected to someone at their company.
If you go with the small HUD lenders, you should have a much easier experience. And at the end of the day, the rates are competitive because of the HUD rules and guidelines.
