Program workspace

“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”