Program workspace

“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 Rental (SFR) Financing Mezzanine/Preferred Equity Green Financing Workforce Housing Financing Arbor Loan Express (ALEX) Research Articles Reports Investor Relations Info & Resources In the News Success Stories Recent Closings Borrower FAQs Contact Us Request a Quote Stay Updated Office Locations Corporate Governance Hotline Become a Vendor Home | Fannie Mae | Manufactured Housing Download PDF | email -->”

“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 Rental (SFR) Financing Mezzanine/Preferred Equity Green Financing Workforce Housing Financing Arbor Loan Express (ALEX) Research Articles Reports Investor Relations Info & Resources In the News Success Stories Recent Closings Borrower FAQs Contact Us Request a Quote Stay Updated Office Locations Corporate Governance Hotline Become a Vendor Home | Fannie Mae | Near-Stabilization Execution Download PDF | email -->”

“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 Rental (SFR) Financing Mezzanine/Preferred Equity Green Financing Workforce Housing Financing Arbor Loan Express (ALEX) Research Articles Reports Investor Relations Info & Resources In the News Success Stories Recent Closings Borrower FAQs Contact Us Request a Quote Stay Updated Office Locations Corporate Governance Hotline Become a Vendor Home | Freddie Mac | Proprietary Preferred Equity behind Conventional Loans Download PDF | email -->”

“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 Rental (SFR) Financing Mezzanine/Preferred Equity Green Financing Workforce Housing Financing Arbor Loan Express (ALEX) Research Articles Reports Investor Relations Info & Resources In the News Success Stories Recent Closings Borrower FAQs Contact Us Request a Quote Stay Updated Office Locations Corporate Governance Hotline Become a Vendor Home | Fannie Mae | Structured SARM Download PDF | email -->”

“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 Rental (SFR) Financing Mezzanine/Preferred Equity Green Financing Workforce Housing Financing Arbor Loan Express (ALEX) Research Articles Reports Investor Relations Info & Resources In the News Success Stories Recent Closings Borrower FAQs Contact Us Request a Quote Stay Updated Office Locations Corporate Governance Hotline Become a Vendor Home | Mezzanine / Preferred Equity | Structured Financing Preferred Equity Download PDF | email -->”

“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 Rental (SFR) Financing Mezzanine/Preferred Equity Green Financing Workforce Housing Financing Arbor Loan Express (ALEX) Research Articles Reports Investor Relations Info & Resources In the News Success Stories Recent Closings Borrower FAQs Contact Us Request a Quote Stay Updated Office Locations Corporate Governance Hotline Become a Vendor Home | Freddie Mac | Student Housing Download PDF | email -->”

“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 Rental (SFR) Financing Mezzanine/Preferred Equity Green Financing Workforce Housing Financing Arbor Loan Express (ALEX) Research Articles Reports Investor Relations Info & Resources In the News Success Stories Recent Closings Borrower FAQs Contact Us Request a Quote Stay Updated Office Locations Corporate Governance Hotline Become a Vendor Home | Fannie Mae | Unfunded Forward Commitment Download PDF | email -->”

“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 Rental (SFR) Financing Mezzanine/Preferred Equity Green Financing Workforce Housing Financing Arbor Loan Express (ALEX) Research Articles Reports Investor Relations Info & Resources In the News Success Stories Recent Closings Borrower FAQs Contact Us Request a Quote Stay Updated Office Locations Corporate Governance Hotline Become a Vendor Home | Freddie Mac | Value-Add Loan Download PDF | email -->”

“Arbor offers Streamlined Rate Lock (SRL) which provides a fast and flexible fixed-rate option for borrowers interested in the ability to manage interest-rate risk by locking the entire rate, not only the Treasury index or spread. This flexibility along with an expanded delivery tolerance and limited breakage fees makes the SRL the fastest loan product available in the market. DOWNLOAD | PRINT Group 12 Created with Sketch. ARBOR.COM | 800.ARBOR.10 Download PDF | email -->”

“Structured Financing Bridge”

“Structured Financing Bridge”

“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. DOWNLOAD | PRINT Download PDF --> Group 12 Created with Sketch. ARBOR.COM | 800.ARBOR.10 Download PDF | email -->”

“HUD-Insured second mortgage provided by Arbor to finance repairs, additions and improvements to multifamily properties and healthcare facilities with existing HUD-insured first mortgage. V022024 DOWNLOAD | PRINT Group 12 Created with Sketch. ARBOR.COM | 800.ARBOR.10 Download PDF | email -->”

“Unmatched access to capital for all property types: multifamily, office, industrial, retail, healthcare and hospitality, military, student and seniors housing”

“Flexible options for seamless financing of the property life cycle, from construction-to-bridge-to-permanent financing for BTR properties and bridge-to-permanent financing for single-family portfolios Multifamily, BTR, and SFR experience, expertise, and reputation Personalized service and customized solutions Expert in-house servicing for the life of the loan Local market expertise nationwide”

“Non-recourse is standard Energy audits reimbursed (full amount for closed Fannie Mae loans) Minimum DSCRs as low as 1.20x LTVs as high as 80%”

“Arbor is committed to preserving and creating affordable workforce housing for American renters. Request a Quote Take advantage of Arbor’s Fannie Mae and Freddie Mac workforce housing financing products with flexible loan terms and competitive pricing. Arbor’s Fannie Mae and Freddie Mac workforce housing programs offer competitive pricing, underwriting flexibility, and preservation incentives for the development of affordable housing solutions. Partner with a Freddie Mac Top Lender of Workforce Housing Rent Preservation financing to grow your portfolio to discover value-add workforce housing opportunities. Fannie Mae Sponsor-Initiated Affordability (SIA) Fannie Mae Sponsor-Dedicated Workforce Housing (SDW) Freddie Mac’s Workforce Housing Preservation”

“Fannie Mae Sponsor-Initiated Affordability (SIA) Fannie Mae Sponsor-Dedicated Workforce Housing (SDW) Term Sheet”

“Who We Are Founded b y C hairman, CEO and President Ivan Kaufman , A rbor Realty Trust, Inc. (NYSE: ABR) is a nationwide real estate investment trust and direct lender, providing loan origination and servicing for multifamily, single-family rental (SFR) portfolios, and other diverse commercial real estate assets. Headquartered in Uniondale, New York, Arbor manages a multibillion-dollar servicing portfolio, specializing in government-sponsored enterprise products. Arbor is a leading Fannie Mae DUS ® lender, Freddie Mac Optigo ® Seller/Servicer, and an approved FHA Multifamily Accelerated Processing (MAP) lender. Arbor’s product platform also includes bridge, CMBS, mezzanine, and preferred equity loans. Arbor is rated by Standard and Poor’s and Fitch. In June 2023, Arbor was added to the S&P SmallCap 600 ® index. Arbor is committed to building on its reputation for service, quality, and customized solutions with an unparalleled dedication to providing our clients excellence over the entire life of a loan. For more than 30 years, Arbor has been helping multifamily and commercial real estate clients achieve their financial goals by focusing on growing long-term relationships and conducting business as not simply another real estate lender, but as a partner. Ivan Kaufman Chairman and CEO DUS ® Multifamily Lender Excellence in Operations Fannie Mae # 1 2024 Top Lender Housing Rent Fredd # 1 20 mily Lender Operations e Mae 24 Top Lender of Worforce Housing Rent Preservation Freddie Mac # 1 2024 Top Multifamily Lender FHA # 9 2023 Small Loan Lender, 7 th Year in a Row Fannie Mae 2024 TOP 5 DUS ® Multifamily Lender 18 th Year in a Row Fannie Mae 2024 TOP 10 Student Housing Loan Lender Fannie Mae 2023 TOP 3 Small Balance Loan Lender Freddie Mac 2023 TOP 3 Firm Commitments by Lender FHA 2023 TOP 15 family Lender in Operations ie Mae 1 024 Top Lender of Worforce Housing Rent Preservation Freddie Mac # 1 2024 Top Multifamily Lender FHA # 9 2023 Small Loan Lender, 7 th Year in a Row Fannie Mae 2024 TOP 5 DUS ® Multifamily Lender 18 th Year in a Row Fannie Mae 2024 TOP 10 Student Housing Loan Lender Fannie Mae 2023 TOP 3 Small Balance Loan Lender Freddie Mac 2023 TOP 3 Firm Commitments by Lender FHA 2023 TOP 15 amily Lender n Operations ie Mae 1 24 Top Lender of Worforce Housing Rent Preservation Freddie Mac # 1 2024 Top Multifamily Lender FHA # 9 2023 Small Loan Lender, 7 th Year in a Row Fannie Mae 2024 TOP 5 DUS ® Multifamily Lender 18 th Year in a Row Fannie Mae 2024 TOP 10 Student Housing Loan Lender Fannie Mae 2023 TOP 3 Small Balance Loan Lender Freddie Mac 2023 TOP 3 Firm Commitments by Lender FHA 2023 TOP 15 ltifamily Lender ce in Operations nnie Mae # 1 2024 Top Lender of Worforce Housing Rent Preservation Freddie Mac # 1 2024 Top Multifamily Lender FHA # 9 2023 Small Loan Lender, 7 th Year in a Row Fannie Mae 2024 TOP 5 DUS ® Multifamily Lender 18 th Year in a Row Fannie Mae 2024 TOP 10 Student Housing Loan Lender Fannie Mae 2023 TOP 3 Small Balance Loan Lender Freddie Mac 2023 TOP 3 Firm Commitments by Lender FHA 2023 TOP 15 mily Lender Operations e Mae 24 Top Lender of Worforce Housing Rent Preservation Freddie Mac # 1 2024 Top Multifamily Lender FHA # 9 2023 Small Loan Lender, 7 th Year in a Row Fannie Mae 2024 TOP 5 DUS ® Multifamily Lender 18 th Year in a Row Fannie Mae 2024 TOP 10 Student Housing Loan Lender Fannie Mae 2023 TOP 3 Small Balance Loan Lender Freddie Mac 2023 TOP 3 Firm Commitments by Lender FHA 2023 TOP 15 ultifamily Lender nce in Operations Fannie Mae # 1 2024 Top Lender of Worforce Housing Rent Preservation Freddie Mac # 1 2024 Top Multifamily Lender FHA # 9 2023 Small Loan Lender, 7 th Year in a Row Fannie Mae 2024 TOP 5 DUS ® Multifamily Lender 18 th Year in a Row Fannie Mae 2024 TOP 10 Student Housing Loan Lender Fannie Mae 2023 TOP 3 Small Balance Loan Lender Freddie Mac 2023 TOP 3 Firm Commitments by Lender FHA 2023 TOP 15 Multifamily Lender lence in Operations Fannie Mae # 1 2024 Top Lender of Worforce Housing Rent Preservation Freddie Mac # 1 2024 Top Multifamily Lender FHA # 9 2023 Small Loan Lender, 7 th Year in a Row Fannie Mae 2024 TOP 5 DUS ® Multifamily Lender 18 th Year in a Row Fannie Mae 2024 TOP 10 Student Housing Loan Lender Fannie Mae 2023 TOP 3 Small Balance Loan Lender Freddie Mac 2023 TOP 3 Firm Commitments by Lender FHA 2023 TOP 15 3 800.ARBOR.10 | arbor.com/fha-multifamily”

“We provide flexible financing for multifamily acquisitions, refinances, and construction. We underwrite in-house, step in when other lenders fall short, and can meet tight 1031 exchange deadlines. Whether you're buying out a partner, unlocking equity through a cash-out refinance, or navigating a complex development, we deliver speed, certainty, and tailored solutions. MFR LENDING GUIDELINES SUBMIT A LOAN REQUEST”

“Our credit union offers a range of loan options to help you achieve your financial goals. Whether you need to make a big purchase, consolidate debt, or cover an unexpected expense, we have a loan that’s right for you. Our application process is fast and easy, and our friendly, knowledgeable staff is here to help you every step of the way.”

“Commercial Real Estate”

“I’ve been a member since 1998. In addition to having loans, I’ve also had 100s of contacts with the tellers. Fantastic customer service. - Dave G. Follow Us! Follow Follow Follow Download our App  Get it on Google Play  Download on the App Store Follow Us! Follow Follow Follow Download our App  Get it on Google Play  Download on the App Store Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. If you are using a screen reader or other auxiliary aid and are having problems using this website, please call (877) 342-5975 for assistance. Routing #231387644 Fee Schedule © Arize Federal Credit Union | 2026 Privacy Policy | Disclosures”

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