Program workspace

“Business Banking SBA loans, business checking, and commercial real estate.”

“Commercial Real Estate Loans”

“Commercial Interim Construction Loans”

“Commercial Real Estate Loans”

“Business Loans Commercial Real Estate Loans”

“Business Financing Commercial Real Estate”

“Commercial Real Estate Loans Land acquisition and development, construction of residential housing and commercial properties - our real estate lenders have the strong industry knowledge and market expertise to structure a loan that best meets your needs.”

“Affordable Housing”

“Arbor Loan Programs”

“Arbor Private Construction”

“The small multifamily sector entered 2026 on a strong note, even as lending conditions remained shaped by persistently high interest rates and regulatory uncertainties. LOAD MORE --> / Prev Next General: 800.ARBOR.10 | Financing: 833.578.7554 | Servicing: 877.952.7267 Request a Quote Office Locations Careers Alex Login About Our Brand Our Responsibility Executive Team Management Team Senior Team Originations Team Careers In-House Loan Servicing Loan Programs Fannie Mae Freddie Mac Bridge Small Loans Arbor Private Construction Arbor Private Label Affordable Housing FHA Multifamily Single-Family”

“Arbor Private Label”

“Bridge”

“Conventional Multifamily, Affordable Housing, Senior Housing, and Healthcare. FHA Loan Program”

“V022526 arbor.com | 800.ARBOR.10 FHA ® 220 Mortgage Insurance for Rental Housing for Urban Renewal and Targeted Redevelopment * Arbor provides FHA-insured, long- term, fixed - rate financing for new construction and substantial rehabilitation of multifamily projects nationwide. This program provides for both construction and permanent financing for projects in urban renewal areas and other areas where local governments have undertaken designated revitalization activities. Applications are typically processed in two stages : preliminary application , followed by firm application. Affordable/ren”

“V022526 arbor.com | 800.ARBOR.10 FHA ® 221(d)(4) New Construction and Substantial Rehab Arbor provides FHA-insured, long-term, fixed-rate financing for new construction or substantial rehabilitation of multifamily projects nationwide. Applications are typically processed in two stages: preliminary application, followed by firm application. Affordable transactions and HUD-experienced development teams may request a “straight to firm” application, saving significant time by eliminating the preliminary application stage. Loan Term and Amortization Construction loan period (interest-only), followe”

“V022526 arbor.com | 800.ARBOR.10 FHA ® 223(a)(7) Refinance o f Existing HUD- Insured Loan Arbor provides streamlined refinancing of existing FHA - insured loans nationwide. Refinance costs, such as prepayment, are included. Loan Term a nd Amortization Remaining term of the existing HUD loan plus up to 12 years (subject to HUD approval); term cannot exceed the lesser of original term of the existing loan or 75% of the remaining useful life of the project; loan is fully self - amortizing . Loan Amount No cash - out; new loan amount is the lowest of: 1. Original principal balance of existing loan”

“V022526 arbor.com | 800.ARBOR.10 FHA ® 223(f) Refinance, Acquisition, or Moderate Renovation Arbor provides FHA-insured, long- term, fixed - rate financing for refinance, acquisition , or moderate renovation of multifamily projects nationwide. Arbor uses the single - stage Multifamily Accelerated Processing (MAP) program to expedite underwriting and approval. Loan Term and Amortization Up to 35 years, not to exceed 75% of the remaining economic life (fully amortizing) Minimum DSCR 1.15x for market rate developments; 1.11x for affordable developments (less than 90% rental assistance or LIHTC in”

“V022526 arbor.com | 800.ARBOR.10 FHA ® 223(f) Refinance of HUD Section 202 Properties Arbor provides FHA-insured, long- term, fixed - rate financing for refinance , or moderate renovation of existing Section 202 projects nationwide. Arbor uses the single - stage Multifamily Accelerated Processing (MAP) program to expedite underwriting and approval. Loan Term and Amortization Up to 35 years (fully amortizing) Minimum DSCR 1.11x Maximum LTV / Purchase Price Up to 90% Fixed - Rate Yes Eligible Properties Existing Section 202 projects Eligible Borrower Single asset entity (for - profit or non - pr”

“V022526 arbor.com | 800.ARBOR.10 FHA ® 231 Age- Restricted New Construction/ Sub Rehab Arbor provides FHA-insured, long- term, fixed - rate financing for new construction or substantial rehabilitation of seniors apartments restricted to age 62 and above. Applications are typically processed in two stages (preliminary application followed by firm application). HUD - experienced development teams may request “straight to firm” application, saving significant time by eliminating the preliminary application stage. Loan Term a nd Amortization Construction loan period (interest - only), followed by ”

“800.ARBOR.10 | arbor.com Construction and Permanent Seniors Housing Financing in One Loan Product FHA 231”

“V022526 arbor.com | 800.ARBOR.10 FHA ® 232 Healthcare New Construction and Substantial Rehab Arbor provides FHA-insured, long-term, fixed-rate financing for new construction, or substantial rehabilitation of assisted living, congregate care, and nursing home facilities nationwide. Arbor uses the LEAN program to expedite underwriting and approval. Applications may be processed either as single-stage (firm application), or two-stage (preliminary application, followed by firm application). Loan Term and Amortization Construction loan period (interest-only), followed by 40-year permanent (fully am”

“FHA ® 232/223(a)(7) Refinancing HUD-Insured Healthcare Loans Arbor provides streamlined refinancing of existing FHA-insured loans nationwide. Refinance costs, such as prepayment, are included. Loan Term and Amortization Remaining term of the existing loan plus up to 12 years (subject to HUD approval); term cannot exceed the original term of the existing loan; loan is fully amortizing through the term of the loan Loan Amount No cash-out; new loan amount is the lowest of: 1. Original principal balance of existing loan 2. 100% of the costs to refinance (current principal balance plus transaction ”

“800.ARBOR.10 | arbor.com Construction and Permanent Healthcare Financing in One Loan Product FHA 232”

“V022526 arbor.com | 800.ARBOR.10 FHA ® 232/223(f) Healthcare Refinance, Acquisition or Mod Rehab Arbor provides FHA-insured, long-term, fixed-rate financing for refinance, acquisition or moderate renovation of assisted living and nursing facilities nationwide. Arbor uses the single-stage LEAN program to expedite underwriting and approval. Loan Term and Amortization A maximum term of 35 years or 75% of the remaining economic life, fully amortizing Maximum Loan Determined by the lowest of: 1. 100% of refi transaction costs 2. Maximum LTV • SNF/ILU: 80% (for-profit), 85% (non-profit) • Mod rehab ”

“V030419 arbor.com | 800.ARBOR.10 FHA ® 232/223(f) Healthcare Refinance, Acquisition, or Mod Rehab Arbor provides FHA-insured, long-term, fixed-rate financing for refinance, acquisition or moderate renovation of assisted living and nursing facilities nationwide. Arbor uses the single-stage LEAN program to expedite underwriting and approval. Loan Term and Amortization A maximum term of 35 years or 75% of the remaining economic life, fully amortizing Maximum Loan Determined by the lowest of: 1. 100% of refi transaction costs 2. Maximum LTV • SNF/ILU: 80% (for-profit), 85% (non-profit) • Mod rehab”

“V022526 arbor.com | 800.ARBOR.10 FHA ® 241(a) Supplemental Loan for Repairs, Additions, or Improvements to HUD First Mortgage Properties HUD-I nsured second mortgage provided by Arbor to finance repairs, additions, and improvements to multifamily properties and healthcare facilities with an existing HUD - insured first mortgage. Loan Term Generally co- terminus with the HUD first mortgage Amortization Fully amortizing Maximum Loan Amount Will be the lessor of: • 90% loan to cost; • 90% loan to value; or • 1.11 debt service coverage ratio (combined first and second) If combination of existing f”

“V022526 arbor.com | 800.ARBOR.10 FHA ® 242 Acute Care Hospital Facilities Arbor provides FHA- insured loans for acute care hospital facilities ranging from large teaching institutions to small rural critical access hospitals. The FHA helps hospitals access affordable financing for capital projects. Uses include new construction, refinancing, modernization, remodeling, equipment, and expansion. Loan Terms Varies by program (see Program Selection Criteria below) Program Selection Criteria 242: New construction, or rehab/addition of existing hospital • At least 20% of loan amount used for constru”

“V041624 arbor.com | 800.ARBOR.10 FHA ® Interest Rate Reduction (IRR) Refinance of Existing HUD-Insured Loan Arbor provides this program to reduce the interest rate on qualified existing HUD-insured multifamily loans. The HUD-insured loan remains in place, with reduced payments based on the new rate, the current balance, and the remaining term. The existing prepayment penalty must be paid in full. Eligible Properties Multifamily and healthcare properties that currently have FHA-insured loans with Arbor in the role of Servicer Cash-Out Not allowed Tax and Insurance Escrows Monthly deposits to th”

“FHA Multifamily”

“Fannie Mae”

“The small multifamily sector entered 2026 on a strong note, even as lending conditions remained shaped by persistently high interest rates and regulatory uncertainties. LOAD MORE --> / Prev Next General: 800.ARBOR.10 | Financing: 833.578.7554 | Servicing: 877.952.7267 Request a Quote Office Locations Careers Alex Login About Our Brand Our Responsibility Executive Team Management Team Senior Team Originations Team Careers In-House Loan Servicing Loan Programs Fannie Mae Freddie Mac Bridge Small Loans Arbor Private Construction Arbor Private Label Affordable Housing FHA Multifamily Single-Family”

“V041425 arbor.com | 800.ARBOR.10 Fannie Mae DUS® Cooperative Apartment Financing Arbor’s Cooperative Apartment Financing program provides blanket mortgage financing for cooperative multifamily housing. Benefits • Flexible loan terms • Competitive pricing • Certainty and speed of execution • Customized solutions Eligibility • Existing stabilized cooperative properties in eligible cooperative property markets • Cooperative corporations with strong management and solid operating history • Limited equity cooperative properties for low- and moderate-income families are also eligible • Overall prope”

“V041425 arbor.com | 800.ARBOR.10 Fannie Mae DUS® Standard Arbor provides competitive, tiered pricing for acquisition or refinance of multifamily projects nationwide, including recently completed projects. Benefits • Flexible loan terms • Competitive pricing • Certainty of execution • Speed in processing and underwriting Eligibility • Existing, stabilized Conventional Properties, Multifamily Affordable Housing Properties, Seniors Housing Properties, Student Housing Properties, and Manufactured Housing Communities • Properties with a minimum of five units (50 pad sites for Manufactured Housing C”

“V042826 arbor.com | 800.ARBOR.10 Interest Rate Fixed- and variable-rate options available Loan Amount No minimum or maximum Maximum LTV and Minimum DSCR Varies by product type Prepayment Availability Flexible prepayment options available, including yield maintenance and declining prepayment premium. Mortgage Loans may be voluntarily prepaid upon payment of the required prepayment premium per the Loan Documents. Rate Lock 30- to 180-day commitments. Borrowers may use the Streamlined Rate Lock option. If Fannie Mae approval of the High-Performance Building Report is required, the HPB Report must”

“V041425 arbor.com | 800.ARBOR.10 Fannie Mae DUS® Multifamily Affordable Housing Preservation Arbor’s DUS® Multifamily Affordable Housing (MAH) product provides flexible terms for the acquisition or refinance of multifamily projects nationwide that qualify as affordable housing. Eligible properties are those that participate in the Low-Income Housing Tax Credit (LIHTC) program, encumbered by a Housing Assistance Payment (HAP) contract, or participate in the Section 8 program (either through vouchers or direct payments). Other special uses can be considered for MAH status. Benefits • Flexible un”

“V041425 arbor.com | 800.ARBOR.10 Fannie Mae® Mortgage-Backed Securities (MBS) as Tax-Exempt Bond Collateral (MTEB) – Fixed-Rate Arbor’s MBS as Tax-Exempt Bond Collateral (MTEB) – Fixed-Rate issues MBS that can be used as collateral for either (i) existing fixed-rate bond refundings, or (ii) new fixed-rate bond issues in conjunction with 4% Low-Income Housing Tax Credits (LIHTC). Benefits • Faster closings with our unique delegated model • Declining pre-payment options or yield maintenance • Interest-only available • Fannie Mae guaranteed direct pass-through of principal and interest is more at”

“V042826 arbor.com | 800.ARBOR.10 Fannie Mae DUS® Manufactured Housing Community (MHC) Loans Arbor’s Fannie Mae DUS® Manufactured Housing Community (MHC) loans provide competitive pricing and flexible terms and function as a major source of liquidity for affordable housing community owners. Benefits • Customized solutions • Competitive pricing • Certainty of execution • Speed in processing and underwriting Eligibility • Existing, stabilized, professionally managed MHC, with or without age restrictions, having a minimum of 50 pad sites • Quality Level 3, 4, or 5 communities • At least one Key Pr”

“V041425 arbor.com | 800.ARBOR.10 Fannie Mae DUS® Moderate Rehabilitation (Mod Rehab) Supplemental Mortgage Loan Arbor offers supplemental financing options for multifamily properties that have completed moderate rehabilitation. Benefits • The Mod Rehab Supplemental Mortgage Loan is excluded from the one supplemental loan rule • The loan sizing and pricing is comparable to the first lien mortgage loan • Lower pricing than generally available on other Supplemental Mortgage Loans • Lower cost than refinancing • Access to additional capital • Certainty of execution • Speed in processing and underw”

“V081425 arbor.com | 800.ARBOR.10 Fannie Mae DUS® Near- Stabilization Execution Arbor provides Fannie Mae’s Multifamily Mortgage Business permanent mortgage loan financing for newly constructed or recently renovated conventional and affordable multifamily apartment communities expected to achieve stabilized occupancy within 120 days. Bene fi ts • Ability to pay off construction loan and add permanent non - recourse financing prior to full stabilization • Competitive pricing • Certainty of execution • Speed in processing and underwriting Eligibility • Conventional and Multifamily Affordable Hous”

“V041425 arbor.com | 800.ARBOR.10 Fannie Mae® Small Loan Program Arbor’s Small Loan Program streamlines the entire loan process for multifamily acquisition and refinancing loans ranging from $750,000 to $9 million. Product benefits include reduced documentation requirements, streamlined report formats, and flexible legal/closing requirements. Benefits • Low cost of execution • Competitive rates • Delegated model provides lenders and borrowers speed of execution • Team with experience and scale to support this unique market • Single asset security allows the most flexibility in the market • Exte”

“The small multifamily sector entered 2026 on a strong note, even as lending conditions remained shaped by persistently high interest rates and regulatory uncertainties. LOAD MORE --> / Prev Next General: 800.ARBOR.10 | Financing: 833.578.7554 | Servicing: 877.952.7267 Request a Quote Office Locations Careers Alex Login About Our Brand Our Responsibility Executive Team Management Team Senior Team Originations Team Careers In-House Loan Servicing Loan Programs Fannie Mae Freddie Mac Bridge Small Loans Arbor Private Construction Arbor Private Label Affordable Housing FHA Multifamily Single-Family”

“V051425 arbor.com | 800.ARBOR.10 Fannie Mae DUS® Structured Adjustable-Rate Mortgage (SARM) Arbor’s DUS® Structured Adjustable -Rate Mortgage (SARM) product offers increased proceeds over the fixed-rate product with a lower initial interest rate. With an easy-to-use conversion feature, Arbor’s DUS SARM product gives owners an attractive option in a higher interest rate environment. Benefits • Attractive low-cost financing • Convertible to fixed rate • Flexible loan terms and prepayment premium options • Ability to choose interest rate cap provider Eligibility • Existing, stabilized Conventiona”

“V041425 arbor.com | 800.ARBOR.10 Fannie Mae DUS® Student Housing Arbor’s DUS® Student Housing product provides attractive terms and competitive prices for the purchase or refinance of properties that, because of construction and location, specifically cater to a student tenant base that may or may not be readily convertible to conventional multifamily housing. Benefits • Customized solutions • Competitive pricing • Certainty of execution • Speed in processing and underwriting Eligibility • Existing, stabilized properties that cater to a student tenant base because of design, tenancy, or locati”

“V041425 arbor.com | 800.ARBOR.10 Fannie Mae® Supplemental Mortgage Loans Whether your Arbor Fannie Mae loan was executed on a market-rate or affordable property, under the Forward Commitment or Small Loans program, or on a cooperative complex or student-based property, you are eligible for a supplemental loan under the Fannie Mae DUS® program. Benefits • Lower cost than refinancing • Access to additional capital • Flexible loan terms • Certainty of execution • Speed in processing and underwriting Eligibility • Stabilized Conventional Properties, Multifamily Affordable Housing Properties, Senio”

“V042826 arbor.com | 800.ARBOR.10 Fannie Mae DUS® Unfunded Forward Commitment Arbor offers an Unfunded Forward Commitment to issue an MBS upon completion of construction and conversion to a permanent mortgage loan for multifamily affordable properties. The MBS as Collateral for Tax - Exempt Bonds (MTEB) execution is an available option for 4% and 9% LIHTC transactions. Bene fi ts • Protection from interest rate volatility by locking the interest rate and other key provisions prior to construction • Single asset security allows for customized loan structures • Certainty and speed of execution • ”

“V042826 arbor.com | 800.ARBOR.10 Fannie Mae® Workforce Housing Financing: Sponsor-Dedicated Workforce Housing Arbor’s Fannie Mae Multifamily Loan Program offers Sponsor - Dedicated Workforce (SDW) Housing, a product initiative that provides better pricing and more flexible underwriting to incentivize the creation and preservation of units that are afforda ble at up to 80% of Area Median Income (AMI) or, in certain metros, up to 100% - 120% of AMI. Benefits • Creation and preservation of workforce housing affordable to households earning 80% - 120% of AMI • Flexible loan terms • Competitive pri”

“V042826 arbor.com | 800.ARBOR.10 Fannie Mae® Workforce Housing: Sponsor- Initiated Affordability Arbor’s Fannie Mae Multifamily Loan Program offers Sponsor-Initiated Affordability (SIA), a product initiative that provides better pricing and underwriting flexibility to incentivize the voluntary creation or preservation of units that are affordable to tenants earning 80% of Area Median Income (AMI) or less. Benefits • Flexible loan terms • Competitive pricing ; Structured ARM Loans with less than a two - year lockout period are not eligible for pricing incentives • Supports affordable and workfo”

“Freddie Mac”

“V050526 arbor.com | 800.ARBOR.10 Freddie Mac® Conventional Small Through Arbor’s Freddie Mac® Conventional Small fixed - rate loans, you get a flexible financing solution and certainty of execution for the acquisition or refinance of multifamily housing properties with loans of $10 million or less. Eligible Borrowers • Borrower may be a limited partnership, corporation, limited liability company or a tenancy in common (TIC) with 5 or fewer tenants in common . • General partnerships, limited liability partnerships, real estate investment trusts (REITs) and certain trusts may also be acceptable ”

“Freddie Mac® Cooperative Apartment Financing Arbor provides blanket mortgage financing for cooperative multifamily housing through Freddie Mac®. Loan Amount $1M minimum Loan Terms 7- or 10-year available; longer loan terms may be considered Amortization Up to 30 years; full-term interest-only options also available Rate Structure Fixed-rate Eligible Borrower Single-purpose entity Market Acceptance Property must be located in an area demonstrating strong market acceptance of cooperative housing Tax and Insurance Escrows Monthly deposits required Replacement Reserves Monthly deposits required Re”

“The small multifamily sector entered 2026 on a strong note, even as lending conditions remained shaped by persistently high interest rates and regulatory uncertainties. LOAD MORE --> / Prev Next General: 800.ARBOR.10 | Financing: 833.578.7554 | Servicing: 877.952.7267 Request a Quote Office Locations Careers Alex Login About Our Brand Our Responsibility Executive Team Management Team Senior Team Originations Team Careers In-House Loan Servicing Loan Programs Fannie Mae Freddie Mac Bridge Small Loans Arbor Private Construction Arbor Private Label Affordable Housing FHA Multifamily Single-Family”

“V081925 arbor.com | 800.ARBOR.10 Freddie Mac® Early Rate Lock (ERL) Early Rate Lock (ERL) eliminates interest rate risk early in the mortgage approval process and provides peace of mind for borrowers who are concerned about market volatility. What is an ERL? Borrowers can lock the interest rate for a fixed-rate mortgage or the spread for a floating-rate mortgage, establish the mortgage amount, and set other key provisions of a proposed mortgage within two to five days after our preliminary underwriting review and long before Arbor submits the full underwriting package. Benefits of an ERL Fast ”

“V042126 arbor.com | 800.ARBOR.10 Freddie Mac® Fixed-Rate Arbor provides competitive, tiered pricing for the acquisition or refinancing of multifamily projects nationwide, including recently completed projects. Eligible Borrowers • Borrower may be a limited partnership, corporation, limited liability company, or a tenancy in common (TIC) with 10 or fewer tenants in common • General partnerships, limited liability partnerships, real estate investment trusts (REITs), and certain trusts may also be acceptable in limited circumstances, subject to additional requirements • Borrower must usually be a”

“V042126 arbor.com | 800.ARBOR.10 Freddie Mac® Floating -Rate Arbor’s Floating - Rate program is ideal for multifamily borrowers who want to take advantage of lower short - term rates with prepayment flexibility. Eligible Borrowers • Borrower may generally be a limited partnership, corporation, limited liability company or a tenancy in common (TIC) with 10 or fewer tenants in common • General partnerships, limited liability partnerships, real estate investment trusts (REITs) and certain trusts may also be acceptable in limited circumstances, subject to additional requirements • Borrower must ty”

“V100325 arbor.com | 800.ARBOR.10 Freddie Mac® Lease-Up Loan Arbor’s Freddie Mac Lease-Up Loan product allows newly constructed properties to lock in a rate and fund a loan before the collateral is fully stabilized. Product Description Refinance Lease-Up : Refinancing for newly constructed properties Acquisition Lease-Up : Acquisition financing for newly constructed properties Eligible Borrowers Borrowers must have experience with new construction and/or lease-up properties, and generally have strong financial capacity and real estate management expertise with good performance and credit histor”

“V042126 arbor.com | 800.ARBOR.10 Freddie Mac® Manufactured Housing Community Loan (MHC) With flexible financing, competitive pricing, certainty, and speed of execution, a Manufactured Housing Community (MHC) loan provides financing for affordable housing for underserved populations, particularly in rural and non - metro areas across the country, where MHCs are an important, and sometimes the only, source of affordable housing . Eligible Property Types Eligible Borrowers Existing, stabilized, high - quality and professionally managed MHCs, with or without age restrictions, excluding Seniors Hou”

“V032825 arbor.com | 800.ARBOR.10 Freddie Mac® Manufactured Housing Resident Owned Community (MHROC) Loan • Designed specifically for Manufactured Housing Resident Owned Community (MHROC) Loans (also known as MH Cooperatives) • Expands affordable housing options for underserved populations, particularly in rural and non-metro areas where MHROCs are prevalent • Acquisitions/Conversions or Seasoned Refinances permitted Eligible Property Types Existing, stabilized, high-quality, professionally managed MHROCs, with or without age restrictions Eligible Transaction Types • Acquisition/Conversion : An”

“V081925 arbor.com | 800.ARBOR.10 Freddie Mac® Moderate Rehab Loan Arbor provides the capital you need to renovate your property at the lowest cost possible. During renovation, the loan can be an interest-only, floating-rate debt, and loan proceeds are advanced monthly as requested rather than accruing interest on unused funds. The terms are highly negotiable, allowing for variation in borrower terms and structure needs. Eligible Borrowers Experienced and well-capitalized sponsors who have successfully completed rehabilitation projects of similar scope and who are familiar with the Freddie Mac ”

“V052325 arbor.com | 800.ARBOR.10 Freddie Mac® Arbor Proprietary Preferred Equity behind Conven:onal Loans Authorized to provide proprietary preferred equity (PE) behind its own-originated Freddie Mac® ConvenJonal loans, Arbor now gives borrowers access to a best-in-class execuJon for both their senior and PE requirements, all under the same roof. Experience the ease of execuJon of a simultaneous originaJon process and the convenience of servicing from one full-service OpJgo® lender. PE Amount Generally, $3M - $25M; however, larger or smaller investment amounts are considered. PE Term Cotermino”

“V042226 arbor.com | 800.ARBOR.10 Freddie Mac® Student Housing Arbor’s Student Housing financing product provides attractive terms and competitive prices for the purchase or refinance of properties that, because of construction and location, specifically cater to a student tenant base and may or may not be readily convertible to conventional multifamily housing. Eligible Borrowers • Borrower may be a limited partnership, corporation, limited liability company, or a tenancy in common (TIC) with 10 or fewer tenants in common • General partnerships, limited liability partnerships, real estate inve”

“V012126 arbor.com | 800.ARBOR.10 Freddie Mac® Supplemental Mortgage Freddie Mac® Supplemental Mortgage offers an additional option in conjunction with a newly originated or seasoned conventional multifamily mortgage . Eligible Borrower Original first loan borrower or lender - approved transferee Eligible Loans • Loans behind existing first loans • Stabilized properties in good standing • Purchased through the cash Ioan programs for Conventional, Targeted Affordable Housing, Seniors Housing, and Conventional Structured Transactions • Prior loans (first loans and any prior supplemental loans in ”

“arbor.com | 800.ARBOR.10 V081925 Freddie Mac® Value-Add Loan • Offers short-term, cost-effective financing for modest property upgrades ($10,000 to $25,000 per unit) • Enhanced to improve property financing for rehabilitation work • Competitive pricing; lower execution costs • Interest-only and uncapped floating-rate loan • Non-recourse and one-stop shopping for upgrades and permanent financing Eligible Borrowers • Developers/operators with experience in multifamily property rehabilitation and in the local market with sufficient financial capacity • 1.5x the standard minimum net worth and liqu”

“Workforce Housing Preservation Borrower-led rent preservation to provide attainable housing for middle-income residents A B O U T Workforce Housing Preservation is ideal for borrowers who want to provide a private sector approach to help solve the affordable housing crisis through voluntary rent restrictions. By preserving rents at workforce housing properties , you’re supporting tenants with modest- to-low incomes, commonly referred to as the “missing middle” who are typically cost- burdened and underserved. In the loan documents, borrowers agree to rental restrictions on units affordable to ”

“Green Financing”

“800.ARBOR.10 | arbor.com Long-Term, Non-Recourse Healthcare Acquisition & Refinancing Loans FHA 232 Pursuant to 223(f)”

“Larger Loan Programs”

“The small multifamily sector entered 2026 on a strong note, even as lending conditions remained shaped by persistently high interest rates and regulatory uncertainties. LOAD MORE --> / Prev Next General: 800.ARBOR.10 | Financing: 833.578.7554 | Servicing: 877.952.7267 Request a Quote Office Locations Careers Alex Login About Our Brand Our Responsibility Executive Team Management Team Senior Team Originations Team Careers In-House Loan Servicing Loan Programs Fannie Mae Freddie Mac Bridge Small Loans Arbor Private Construction Arbor Private Label Affordable Housing FHA Multifamily Single-Family”

“SFR”

“The small multifamily sector entered 2026 on a strong note, even as lending conditions remained shaped by persistently high interest rates and regulatory uncertainties. LOAD MORE --> / Prev Next General: 800.ARBOR.10 | Financing: 833.578.7554 | Servicing: 877.952.7267 Request a Quote Office Locations Careers Alex Login About Our Brand Our Responsibility Executive Team Management Team Senior Team Originations Team Careers In-House Loan Servicing Loan Programs Fannie Mae Freddie Mac Bridge Small Loans Arbor Private Construction Arbor Private Label Affordable Housing FHA Multifamily Single-Family”

“800.ARBOR.10 | arbor.com Seniors Housing/ Healthcare Offering Fannie Mae, Freddie Mac and FHA financing, Arbor has the comprehensive seniors housing and healthcare finance solutions you require SENIORS HOUSING & HEALTHCARE Fannie Mae Freddie Mac Small Loan Green Bridge Seniors Housing & Healthcare”

“V010325 arbor.com | 800.ARBOR.10 Single-Family Rental (SFR) Bridge Financing Arbor offers customized loan solutions for your bridge-to-permanent financing needs.* Eligible Property Types Portfolios and rental communities (minimum of 5 units per loan) comprised of: • Single-family homes • Townhomes • Row homes • Condos • 2- to 20-unit multifamily properties • No owner-occupied units Eligible Locations All states, except for Nevada Eligible Borrower Newly formed, single-purpose, bankruptcy-remote Delaware LLC Loan Term 12-30 months Minimum Loan Amount $5M Interest Rate Floating Maximum LTC and L”

“V010325 arbor.com | 800.ARBOR.10 Single-Family Rental (SFR) Fixed-Rate Term Financing Arbor offers flexible permanent financing solutions for long-term stabilized rental income.* Eligible Property Types Portfolios (minimum of 5 units per loan) of: • Single-family homes • Townhomes • Row homes • Condos • 2- to 20-unit multifamily properties • No owner-occupied units Eligible Locations All states, except for Nevada Eligible Borrower Newly formed, single-purpose, bankruptcy-remote Delaware LLC Loan Term 5, 7, and 10-year Minimum Loan Amount $1.5M Maximum LTV 75% (30-year amortizing); 70% (full-te”

“V010325 arbor.com | 800.ARBOR.10 Single-Family Rental (SFR) Lines of Credit Arbor offers flexible solutions customized for your portfolio aggregation and bridge-to-permanent financing needs.* Eligible Property Types • Single-family homes • Townhomes • Row homes • Condos • 2- to 20-unit multifamily properties • No owner-occupied units Eligible Locations All states, except for Nevada Eligible Borrower Newly formed, single-purpose, bankruptcy-remote Delaware LLC Facility Purpose Ongoing acquisition of properties (occupied, vacant, or with rehab components) Facility Term 18 to 36 months Minimum Fa”

“The small multifamily sector entered 2026 on a strong note, even as lending conditions remained shaped by persistently high interest rates and regulatory uncertainties. LOAD MORE --> / Prev Next General: 800.ARBOR.10 | Financing: 833.578.7554 | Servicing: 877.952.7267 Request a Quote Office Locations Careers Alex Login About Our Brand Our Responsibility Executive Team Management Team Senior Team Originations Team Careers In-House Loan Servicing Loan Programs Fannie Mae Freddie Mac Bridge Small Loans Arbor Private Construction Arbor Private Label Affordable Housing FHA Multifamily Single-Family”

“--> Small Loans ($9M Maximum) Market-leading terms: 1.20 DSCR, 80% LTV and incredibly low interest rates Reduced documentation requirements and rapid closings Personalized, one-on-one service, from your dedicated loan originator through your dedicated loan servicing portfolio manager Certainty of execution with the most tenured multifamily small loan lender in the business Confidence in our strength as one of only a select few lenders offering Freddie Mac and Fannie Mae small loans nationwide A repeat top 3 Freddie Mac Small Balance Loan lender and top 5 Fannie Mae Small Loans lender View deta”

“Small Loans”

“800.ARBOR.10 | arbor.com As the need for affordable workforce housing continues to grow, Fannie Mae is developing creative solutions to expand affordability and increase workforce housing renter accessibility. As a leading Fannie Mae DUS ® lender, Arbor now offers this financing to our partners. Sponsor-Dedicated Workforce (SDW) Housing is designed for conventional properties and provides sponsors with a minimum of 20% of the units affordable to renters earning 80% of come (AMI) for the life of the loan. In certain high-cost markets, sponsors can create or preserve a minimum of 20% of rents af”

“Structured Financing Bridge”

“Structured Financing Mezzanine”

“Structured Financing Preferred Equity”

“Workforce Housing Financing”

“Workforce Housing Preservation”

“Bridge, Construction, and Renovation Loans”

“Apply for a commercial mortgage today.”

“Multifamily Housing Loans for apartment buildings and multi-unit residential properties”

“Short Term Loans Lines of Credit Equipment Lines of Credit Term Loans Commercial Mortgages Construction Loans Letters of Credit”

“Construction Loans”

“Commercial Real Estate (CRE) Loans”

“Save Money With Ascend Bank's Construction-To-Permanent Loans”

“Get Flexible Financing Options For Real Estate Parcels”

“Special Offer: Owner-Occupied Commercial Mortgage*”

“Lending Commercial Real Estate Loans”

“Commercial Real Estate Loans”

“Commercial Construction Loans”

“Commercial Real Estate Loans AuburnBank has been a steady provider of credit and banking products for our community for more than 100 years.”

“Commercial Real Estate Loans”

“Commercial Real Estate Loans”

“Commercial Bridge Loans”

“Commercial Mortgage Loans”

“Commercial Real Estate”

“Providing investors in mixed-use apartment/retail buildings with flexible financing solutions and fast, efficient service plus the security of a premium broker rebate program.”

“Delivering flexible and cost-effective financing programs to investors in mobile home parks across the United States, plus a premium broker rebate program for added security.”

“Offering a wide array of lending options, we deliver flexible financing programs in multi-family markets for stabilized or “light” value-add properties with a minimum of 5 units.”

“As a premier small balance commercial lender, Axos Bank provides professional mortgage brokers, commercial real estate investors and owners flexible solutions and cost-effective financing programs throughout the United States.”

“Favoring projects in walking distance of public universities, we offer competitive terms for all varieties of student housing projects, including those rented by the bed or room.”

“Commercial Real Estate”

“Commercial Real Estate Loans”