# Berkadia
> Commercial real state company.

- Canonical entity: https://directory.readyscan.ai/entities/berkadia-q130064410
- Website listed in the source snapshot: https://berkadia.com/
- Category: [Companies](https://directory.readyscan.ai/directory/companies)
- Machine record: https://directory.readyscan.ai/discovery/entities/berkadia-q130064410.json
- Material fingerprint: fnv1a64:73b22e498089a12e
- Entity revision: fnv1a64:877269cb425e3f98
- Published: 2026-10-20
- Modified: 2026-10-20

## Questions & answers
### [My property was completed less than three years ago, is it eligible for a refinance with a HUD-insured mortgage?](https://directory.readyscan.ai/entities/berkadia-q130064410#company-answer-content-native-digital-agencies-e0427ab4fe3b02f5-a-ee45d5c202672d639c34)
“Yes, it is eligible for a refinance with a HUD-insured mortgage, per the 2020 MAP Guide, effective March 18, 2021.”
Sources: https://www.berkadia.com/our-services/hud-fha-financing/

### [What are my options for supplemental loan proceeds during the term of the loan?](https://directory.readyscan.ai/entities/berkadia-q130064410#company-answer-content-native-digital-agencies-e0427ab4fe3b02f5-a-8c9cf0ead0872cef6596)
“FHA/HUD-insured programs do not offer supplemental loan programs like those offered by GSEs. However, there are a few options available to borrowers with HUD-insured loans: (1) a borrower with an existing HUD-insured loan may access HUD’s abbreviated refinance program, Section 223(a)(7).”
Sources: https://www.berkadia.com/our-services/hud-fha-financing/

### [What types of secondary financing (i.e. mezzanine debt) are allowed under the program?](https://directory.readyscan.ai/entities/berkadia-q130064410#company-answer-content-native-digital-agencies-e0427ab4fe3b02f5-a-86d413b09602b9af9dff)
“Secondary financing is permitted under HUD’s programs but it is highly restrictive. Any subordinate debt must comply with certain requirements, most notably, the term of the note must at least be equal to the term of the HUD loan (35 or 40 years) and repayment is restricted to surplus cash (cash flow) only.”
Sources: https://www.berkadia.com/our-services/hud-fha-financing/

### [What are the net worth and liquidity requirements of the key principals?](https://directory.readyscan.ai/entities/berkadia-q130064410#company-answer-content-native-digital-agencies-e0427ab4fe3b02f5-a-8caf52f908a97c8258aa)
“For insured loans less than $120 million, HUD does not have any specific financial requirements for a sponsor’s key principals and the recommendation is based on the judgement of the lender and its underwriting team.”
Sources: https://www.berkadia.com/our-services/hud-fha-financing/

## Company sources
- [Berkadia website](https://berkadia.com/) — berkadia.com
- [berkadia.com/our-services/hud-fha-financing/](https://www.berkadia.com/our-services/hud-fha-financing/) — berkadia.com · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-861739488ffabee2)
- [wikidata.org/wiki/Special:EntityData/Q130064410.json](https://www.wikidata.org/wiki/Special:EntityData/Q130064410.json?revision=2242830116) — wikidata.org · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-b309ef871aa9d12c)

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