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Loan Products

Cinnaire Lending is a certified Community Development Financial Institution (CDFI) that provides a variety of lending options to support housing and community development work. Cinnaire’s approach is founded on developing and nurturing partnerships with investors and mission-focused organizations to achieve a collective impact. We have an established set of loan products, but we are also interested in discussing opportunities to tailor our loan capital to meet your unique housing and community development needs.


Pre-Development

Cinnaire provides critical early financing to help its partners prepare to develop properties. We provide financing for third party due diligence costs, architectural fees, consulting fees, land acquisition, etc., for planned affordable housing properties and community development families.

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Acquisition

Short term financing for the acquisition of affordable multifamily properties. Immediate repairs to address health and safety may be included in amounts financed.

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Permanent Financing

Conventional and FHA financing for affordable housing properties, both immediate closings and forward commitments. Financing for other types of properties will be evaluated on a case-by-case basis.

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Flexible Financing

Cinnaire will work with our partners to find financing solutions to meet their needs. We can sponsor AHP applications with the Federal Home Loan Bank of Chicago to provide gap financing, or work with you to find customized financing solutions.

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Federal Home Loan Bank of Chicago (FHLBC) Affordable Housing Program (AHP)

Cinnaire Lending, our nonprofit lending division, joined the FHLBC in 2015 because of their interest in having more CDFI members.

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New Markets Tax Credit

Created as part of the Community Renewal Tax Act of 2000, the New Markets Tax Credit (NMTC) program helps economically distressed communities attract private capital by providing investors with a Federal tax credit.

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Cinnaire Lending Rate Sheet

Rates updated as of 5/22/2017

Rate Sheet