What is Midlands Housing Trust Fund (MHTF)?

We are a community development financial institution. We lend money to developers and contractors to build or renovate affordable housing in twenty-three South Carolina counties.

Does MHTF lend directly to homeowners?

No. MHTF primarily engages with small, local developers, contractors or realty agents. This is where we are able to make the greatest impact.

Does MHTF provide housing to the public?

No. We are not property owners or landlords. We do, however, lend capital to real estate developers and contractors to create and preserve affordable housing.

Why borrow from MHTF vs a traditional bank?

MHTF is proud to provide an alternative to conventional retail banking. Our underwriting and lending limits are more flexible and loan rates are competitive. MHTF will lend for activities banks are reluctant to finance and provides gap and bridge financing