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Green and Healthy Housing Programs

MHP's Green and Healthy Housing Programs is a new initiative designed to encourage more affordable housing property owners to realize the benefits of going green and healthy.

The new MHP programs provide permanent first mortgage financing for both new and existing affordable housing developments using any of MHP’s capital sources including bank financing, Fannie Mae, or FHA Risk Sharing. MHP underwrites and services all of its loans regardless of the capital source.

MHP’s three Green and Healthy Housing Programs are:

  • Green Building Certification Financing (GBC) – Designed for new and existing multifamily projects, GBC offers reduced interest rates, reimbursement for commissioning costs up to $15,000 for most certification programs, and free energy performance benchmarking services for the first two years after the closing of the loan. GBC was revised in 2021 and now offers a new tier of 40-basis point discounts for zero energy certifications. Term sheet.*
  • Green Retrofit Financing (GRF) – GRF offers increased loan proceeds, free energy audits, reduced interest rates, and free benchmarking services for the refinance and rehabilitation of multifamily projects that invest in property improvements that reduce energy and water consumption by a combined 30 percent. Term sheet.
  • Healthy Housing Financing (HHF) – HHF offers reduced interest rates and reimbursement for the costs of obtaining healthy housing certification from the Fitwel® multifamily certification program. Term sheet.

For more information about these new programs, contact Director of Business Development Nancy McCafferty at 857-317-8556 or or Senior Relationship Manager Alma Balonon-Rosen at 585-764-6963 or

* Incentives for pursuing Passive House certification via MHP's Green Building program line up nicely with new Passive House incentives offered by MassSave.