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The Basics: Community Lending

The Basics: Low-Income Housing Tax Credits

Funding affordable housing and economic development in support of strong communities.

Available for the rehabilitation, construction and stabilization of real estate projects of any size, our community development lending services open a world of financial opportunities for local development partners and national investors.

Community Lending Overview

The community lending team combines our expertise in real estate, affordable housing and business growth to provide customizable debt that will fit your specific needs. With nearly $4 billion in loan commitments, we help a wide range of organizations obtain credit facilities for expanding businesses and cost-effective financing for the rehabilitation of historic buildings and construction of rental housing for low- and moderate-income tenants. With a dozen offices around the country and a highly experienced team, we work quickly and efficiently to help investors, developers, community development financial institutions, affordable housing lending consortiums, and housing finance agencies launch and complete community development projects.

Our services include:

  • Combined debt and equity structures in support of federal and state Historic, Low-Income Housing, and New Markets Tax Credit transactions
  • Warehouse, bridge, loan pool and line-of-credit financing
  • Pre-development and acquisition loans
  • Construction loans
  • Permanent mortgage loans
  • Equity bridge lending
  • Subscription and warehouse loans to tax credit syndicators
  • Bond private placement
  • Letters of credit
  • Tax-exempt bond underwriting and remarketing
  • Wide range of deposit, payment and treasury management services

A Dedicated Team

Our community lending team provides seamless, single-point contact for a diverse array of services. Team members are dedicated to building long-term relationships founded on responsiveness, full-service to all parties concerned and a long view toward community development.

Portfolio Highlights

Our lending programs finance a broad spectrum of community development needs, ranging from multi-family and senior rental to special-needs housing and commercial development projects.

Equal Housing Lender Equal Housing Lender

U.S. Bank and its representatives do not provide tax or legal advice. Each tax and financial situation is unique. Consult your tax and/or legal advisor for advice and information concerning a particular situation.

U.S. Bank is not responsible for and does not guarantee the products, services or performance of its affiliates and third parties.

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