# HUD 221(d)(4) Loans > HUD 221(d)(4) Loans is the Janover desk for HUD 221(d)(4) construction and substantial rehabilitation financing: ground-up and major-rehab multifamily development, with up to 43-year total terms and 87-90% leverage. Not a lender; no affiliation with HUD, FHA, or any government agency. ## Programs - [Loan Facts](https://hud221d4.loan/hud-221-d-4-loan-facts/) - [Terms, Qualifications & Guidelines](https://hud221d4.loan/hud-221d4-terms-qualification-guidelines/) - [Interest Rate](https://hud221d4.loan/interest-rate/) - [Term Sheet](https://hud221d4.loan/term-sheet/) - [HUD Multifamily Loans](https://hud221d4.loan/hud-multifamily-loans/) - [Statutory Limit](https://hud221d4.loan/statutory-limit/) - [Process](https://hud221d4.loan/process/) - [Refinance](https://hud221d4.loan/refinance/) ## Resources - [HUD 221(d)(4) FAQs](https://hud221d4.loan/hud-221-d4-faqs/) - [Glossary](https://hud221d4.loan/glossary/) - [Application Process](https://hud221d4.loan/hud-221d4-application-process/) - [Davis Bacon Wages](https://hud221d4.loan/davis-bacon-wages/) ## Contact - Phone: (561) 556-4747 - Email: desk@janover.co - Entity: Janover Capital LLC, 6401 Congress Ave, Ste 250, Boca Raton, FL 33487 - Not a lender; no affiliation with HUD, FHA, or any government agency.