Conventional Multifamily
Stabilized garden, mid-rise, and high-rise apartments with 5–30 year terms.
Capital Source
Agency / GSE
Fannie Mae, Freddie Mac, and FHA/HUD — the deepest, lowest-cost capital in multifamily.
Loan Amount
$1M – $100M+
Term
5 – 35 Years
Rate Range
5.10% – 6.40%
LTV / LTC
Up to 80%
Program Overview
How agency / gse works.
Agency execution is the gold standard for multifamily permanent debt. Fannie Mae DUS, Freddie Mac Optigo, and FHA/HUD 223(f) and 221(d)(4) programs deliver the longest terms, longest amortization, lowest rates, and most generous non-recourse structures in the entire commercial mortgage market. We are correspondent and broker partners with active agency lenders nationwide and structure conventional, affordable (LIHTC), small-balance, manufactured housing, student, senior, and green/energy-efficient executions. Agency debt is non-recourse with standard carve-outs, supplemental loans are available, and rate-lock can occur up to 12 months ahead of close.
- Lowest fixed rates in the market — sub-6% on most stabilized deals
- Non-recourse standard with carve-outs only
- Supplemental loans available 12+ months after close
- Green/energy-efficient pricing reductions of 15–30 bps
Use Cases
When sponsors choose agency / gse.
Affordable / LIHTC
9% and 4% LIHTC, tax-exempt bond, and Section 8 properties with mission-driven pricing.
Manufactured Housing (MHC)
Mobile home parks and manufactured housing communities with agency MHC programs.
Student & Senior Housing
Pedestrian-to-campus student housing and independent/assisted living with specialized agency products.
Best-Fit Asset Classes
Property types that match agency / gse.
Where this capital source delivers the strongest execution today.
Ready to explore agency / gse?
Submit your scenario and receive multiple competitive term sheets within 5–10 business days.