Freddie Mac Loan Programs

M&T Realty Capital Corporation® is a Freddie Mac Optigo® Lender, and is authorized to originate and service affordable housing, conventional multifamily and seniors housing loans on behalf of Freddie Mac.

Property Types Financed

Multifamily properties with five or more residential rental units, including:

Affordable housing

  • Conventional (market-rate)
  • Cooperatives
  • Manufactured housing communities


  • Seniors housing – independent or assisted living
  • Student housing

Loan Program Features!

Freddie Mac multifamily loans typically include the following features. For specific information on these programs, please contact us.

Characteristic Terms1 Freddie Mac Loan Programs Refinance, Acquisition, Construction Takeout, Moderate Rehab or Lease-Up Freddie Mac Small Balance Loan Program3 Refinance or Acquisition (Stabilized Multifamily Properties1)
Minimum loan!amount $3,000,000 $1,000,000
Maximum Loan-to-Value (LTV) 75-80%; dependent on specific program 70-75%; may be reduced in certain markets

Minimum Debt Service

Typically 1.25x – 1.35x; dependent on specific program Varies by market; ranges from 1.25x – 1.45x
Loan term 5 to 30 years 5-, 7- or 10-year fixed-rate terms; 20-year hybrid ARM with initial fixedrate
Amortization Up to 30 years Up to 30 years
Rate type Fixed or floating Fixed or hybrid (fixed-to-float)
Interest-only Partial and full-term available Partial and full-term available
Early rate lock options Typically 60-90 days, longer terms may be available Rate locked at time of application for 35 days
Green programs offered? Yes No
  1. Excludes student, affordable, cooperative, and seniors housing. 
  2. All loans and all terms referenced herein are subject to receipt of a completed application, credit approval and other conditions. 
  3. M&T Realty Capital Corporation offers this loan program via a correspondent agreement with Basis Financial Group, L.P., an approved Freddie Mac SBL lender.

Get Started

Contact M&T Realty Capital Corporation to help.

Our program managers can talk through yourneeds to find options that work for you.


$24.5 Million in Financing for a Retail Property in Pennsylvania

M&T Realty Capital Corporation® has arranged a $24,500,000 life insurance company loan for the refinance of a 170,614-sf retail property located in Philadelphia, PA.
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M&T Realty Capital Corporation is a wholly-owned subsidiary of M&T Bank. "DUS®" is a registered trademark of Fannie Mae. "OptigoSM" is a registered trademark of Freddie Mac.
All loans and all terms referenced herein are subject to receipt of a complete application, credit approval and other conditions.