RPA Commercial Loans
📞
We Fund The American Dream
All Loans›Agency Loans
FREDDIE MAC, AGENCY FINANCING

Freddie Mac Multifamily Loans

Government-sponsored agency financing for stabilized and value-add multifamily properties. Competitive rates, non-recourse structure, and programs from small balance through large institutional deals.

Freddie Mac Programs

Freddie Mac and Fannie Mae operate independently, different pricing, different program requirements. We submit to both and return the best execution.

Freddie Mac Conventional Multifamily

Standard program for stabilized 5+ unit multifamily properties. Competitive fixed or floating rates with full-term interest-only available on select deals.

Min Loan
$1,000,000
LTV
Up to 80%
Term
5, 7, 10 Years
Amortization
Up to 30 Years
DSCR
1.25x minimum
Recourse
Non-Recourse

Freddie Mac Small Balance Loan (SBL)

Streamlined underwriting for smaller apartment buildings. Faster approvals, lower costs, and competitive agency pricing, purpose-built for smaller investors.

Loan Range
$750K, $7.5M
LTV
Up to 80%
Term
5, 7, or 10 Years
Min Units
5+
DSCR
1.20x minimum
Processing
Streamlined

Freddie Mac Targeted Affordable Housing (TAH)

Purpose-built financing for properties with income/rent restrictions, LIHTC housing, Section 8 contracts, and other affordable housing programs.

Property Type
Affordable MF
LTV
Up to 87%
Term
Up to 30 Years
Amortization
Fully Amortizing
Recourse
Non-Recourse
LIHTC
Compatible

Freddie Mac Value-Add Bridge (Lease-Up)

Short-term floating-rate financing for multifamily properties in transition. Ideal for value-add acquisitions with a clear path to conventional agency execution.

Min Loan
$5,000,000
LTV
Up to 80% Stabilized
Term
3 Years + Extensions
IO Period
Full Term Available
Exit
Agency Permanent
Use Case
Value-Add / Lease-Up

Why Freddie Mac?

📊

Different Pricing Than Fannie

Freddie Mac uses independent pricing desks, comparing both agencies often reveals material rate differences on the same deal.

🏘️

Strong SBL Platform

One of the best small-balance agency platforms in the market with streamlined docs and fast closings for loans under $7.5M.

🌿

Green Advantage Rebates

Borrowers who certify energy and water savings can receive a 10-15 bps rate reduction through Freddie's Green Advantage program.

⚡

Supplemental Loans

Return equity post-stabilization with a Freddie Mac supplemental loan, no refinancing required on the existing note.

Frequently Asked Questions

Answers to the most common questions about this loan program. Don't see your question? Call us at (844) 250-5626.

Get Your Freddie Mac Quote Today

We submit to both Freddie Mac and Fannie Mae desks and bring you the best execution, at no additional cost.

Have a question?

I'm Robert, your RPA assistant. Ask me about loan programs, applications, or partner onboarding.