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“Ponderay, ID Fannie Mae SBL $ 6 . 63 million Multifamily Refinance”

“Monroe, WA Freddie Mac SBL $5.35 million Multifamily Acquisition”

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“Berkadia Small Loans offers Fannie Mae Small Loans and Freddie Mac Optigo® Small Balance Loans for multifamily loans up to $9 million. Comprised of dedicated management and mortgage banking professionals, the team’s intimate knowledge of Fannie Mae and Freddie Mac loan programs provides a seamless process and customized solutions. Backed by the power of Berkadia’s market data, we empower our clients with access to the best rates, terms, and leverage for their investments, alongside the knowledge to make investment decisions confidently.”

“But they help tell our story: Loan Origination Volume $694M in loan origination volume across 2024 and 2025 Loan Count 212 Fannie Mae and Freddie Mac Small Loan originations across 2024 and 2025 Top Ranking #1 Freddie Mac Lender in 2022, 2023, 2024, and 2025 Agency Lending $34B in combined agency lending origination volume across 2024 and 2025”

“Berkadia is dedicated to leading the digital transformation of commercial real estate with investments in technology like Esusu, a rent-reporting platform created to build tenants’ credit. Multifamily property owners who implement Esusu can decrease evictions and vacancies and maximize NOI. As partners, Berkadia borrowers may receive closing cost credits and discounted rates. Read More”

“Denver, CO Freddie Mac SBL $ 6.48 million Multifamily Refinance”

“What property types are eligible for a small balance loan? The Fannie Mae Small Loans and Freddie Mac Optigo® Small Balance Loans (SBL) programs offered by Berkadia a commercial mortgage broker provide financing for multifamily properties with 5 or more apartment units including properties with the following characteristics: Properties with certain tax abatements Properties with short-term rentals, subject to a percentage of the total unit count Properties with micro-units equal to or less than 350 SF, subject to a percentage of the total unit count Seniors housing with no resident services Properties with commercial (non-residential) space or commercial income, subject to a percentage of the total space and income Properties with no more than 50% student, military, or single employer concentration Properties with tenant-based rental assistance Properties with no more than 20% of the units encumbered by a HAP contract Properties subject to affordability restrictions and/or tax credits lasting no more than two years Properties with a Master Lease concentration comprising no more than 25% of the total gross potential rent (GPR) Non-contiguous parcels so long as each parcel has buildings with 5 or more units that meet occupancy requirements and are located within the same MSA Properties with buildings that have less than 5 units as long as they are located on the same or contiguous parcels Properties with private wells and/or septic tanks if common in the market Fractured condominiums (subject to controlling a minimum percentage of the condominium association) Manufactured Housing Communities (MHCs) Properties with scenario expected loss (SEL) of less than or equal to 40% What is a property’s “affordability” and how is it factored into my loan terms? A property’s affordability is based on the percentage of units that meet the “mission-driven” definitions set by the Federal Housing Finance Agency (FHFA) which are generally based on a ratio of rent to area median income (AMI). Fannie Mae and Freddie Mac typically offer better rates for properties with greater affordability to align their business with their congressional mandate – to provide liquidity, stability and affordability to the mortgage market. What is an “agency” lender or “GSE”? The Federal National Mortgage Association (FNMA), and the Federal Home Loan Mortgage Corporation (FHLMC), also known as Fannie Mae and Freddie Mac, respectively, are commonly referred to as “agency” lenders. Both are government-sponsored enterprises (GSEs) created by Congress to provide liquidity, stability, and affordability to the single-family and multifamily mortgage market. What are the advantages of getting a loan through the Fannie Mae Small Loans and Freddie Mac Optigo® Small Balance Loans (SBL) programs compared to my local bank? More competitive terms that can include higher leverage, longer amortization periods, greater intere”

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“iOS App Android App Transfer Locate Deposit A very sincere thank you for guiding us through the process. We greatly appreciate Best Financial. You are a wonderful representative of service and kindness. Please extend our gratitude to Cindy… Read More”

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“Just want to say a quick thank you for the loan you did for us on the truck. I had not planned on a new vehicle for a couple of years yet, but it came to a point where it was a necessity. My dad… Read More”

“A few years ago, I came in and you gave me a car loan and then we bought another car with you. You have really helped my wife and I repair our credit and get a nice relationship started with the… Read More”

“With a focus on commercial bridge loan opportunities between $3 million and $30 million, Bloomfield Capital is a direct lender and capital partner. Specializing in real estate loans for asset types including multi-family, office, hospitality, and other commercial properties, Bloomfield Capital is a direct capital source and a balance sheet lender. Typical transactions have an urgent closing timeline, a strong value proposition, and a clear exit strategy—usually within 12–24 months of the loan being issued. Overview PDF”

“No warehouse leverage utilized or note-on-note financing. All transactions stay on the firm’s balance sheet until maturity (no CLO or other capital market execution). Contact Us”

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“The terms you sign are the terms you close with. No retrading or uncertainty due to capital markets.”

“Not IRR-driven—tailored financing based on project needs.”

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