Refinance with the U.S. Department of Housing and Urban Development

HUD Refinancing

Within the U.S. Department of Housing and Urban Development, the Office of Residential Care Facilities manages the Section 232 Mortgage Insurance for Residential Care Facilities program, which provides mortgage insurance for residential care facilities such as assisted living facilities, nursing homes, intermediate care facilities, and board and care homes, enabling the affordable financing and refinancing of residential care facilities nationwide.  Waldrep LLP has experience representing the owners of assisted living facilities obtain the refinancing of existing debt through the Section 232 program.

Waldrep LLP has the experience to handle any bankruptcy matter. Tom Waldrep has practiced commercial bankruptcy law for over 30 years, representing creditors, debtors, trustees, and committees in all types of bankruptcies. For nine years, Tom served as a United States Bankruptcy Judge. Now he regularly appears in bankruptcy courts throughout the Southeast. Jennifer Lyday and Francisco Morales together have practiced commercial bankruptcy law for over 10 years. The firm’s attorneys have successfully handled many bankruptcies, out-of-court workout agreements, foreclosures, and other proceedings under state law.


Waldrep LLP delivers superior client service with a reasonable fee structure. We strive to generate superior work product while billing our clients for fewer hours than our competition for comparable work. Our clients’ interests are our priority. If we waste time in pursuit of a solution, then our client has wasted money. Our experience and knowledge deliver exceptional value for our clients.


Waldrep LLP is not a full-service law firm. Rather, it is a boutique law firm that specializes in only a few areas of practice: business insolvency, commercial bankruptcy, and healthcare transactions. This specialization allows us to focus our energy and talent on helping clients with what we know best—bankruptcy and insolvency law.


Thomas Waldrep of Waldrep LLP attracts high praise for his "extremely knowledgeable and very well respected" bankruptcy practice. Clients highlight the depth of experience he brings as a former bankruptcy judge and praise his practical approach, stating: "People gravitate toward him because they know they're getting pragmatism. He distills issues quickly."

Chambers and Partners, 2017 Chambers USA Guide

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