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Freddie Mac Multifamily Loans

Trusted financing solutions for apartment owners nationwide with competitive rates and flexible terms.

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 Freddie Mac offers a comprehensive suite of multifamily loan products designed for the acquisition, refinancing, and recapitalization of apartment properties. Known for their flexible terms, competitive rates, and non-recourse structures, Freddie Mac loans are a leading choice for both institutional and individual investors.

Just like Fannie Mae, Freddie Mac purchases loans from lenders after closing, helping lenders offload risk and keep capital flowing. This model enables higher leverage and lower DSCR thresholds, making Freddie Mac loans especially attractive in today’s multifamily financing landscape.

Commercial Real Estate Loan Calculator

Explore your financing options for properties valued at $1 million+

Loan Calculator

$2,000,000
$1M $50M
65%
50% 80%
10 years
5 years 30 years
6.5%
3% 10%
Rate Type:
Fixed

Loan Summary

Loan Amount:

$1,300,000

Monthly Payment:

$8,708

Required Net Worth:

$1,300,000

Required Liquidity:

$130,000

General Loan Terms

  • Loan Amount: $1 million+
  • Term: 5–30 years (fixed or floating)
  • Leverage: Up to 80% Loan-to-Value (LTV)
  • Recourse: Non-recourse with standard carve-outs
  • Prepayment: Typically subject to penalties
  • Rate Locks: Early and extended options available

Borrower Requirements

  • Net worth ≥ full loan amount
  • Liquidity ≥ 10% of loan amount (excluding retirement accounts)
Ready to Apply?

Our team of commercial real estate financing experts is ready to help you secure the best terms for your investment.

Key Freddie Mac Loan Programs

Specialized financing solutions designed to meet your unique investment needs

Fixed-Rate Loans

Stable, predictable financing solutions for property acquisition and refinancing.

  • Use: Acquisition or refinancing
  • Loan Size: $5M–$100M+
  • Term: 5–10 years (up to 30 years possible)
  • Ideal For: Projects needing cost certainty and fast closing timelines

Green Advantage® Loans

Sustainable financing options with enhanced terms for energy-efficient properties.

  • Incentives: Up to 5% higher LTV; reduced DSCR requirements
  • Requirements: 25% minimum reduction in water and sewer usage
  • Ideal For: Investors upgrading to energy-efficient, sustainable buildings

Student Housing Loans

Specialized financing for educational housing developments near campuses.

  • Use: Purpose-built or off-campus housing
  • Loan Size: $5M–$100M+
  • Ideal For: Medium- to large-scale student housing developments

Senior Housing Loans

Tailored financing solutions for the full spectrum of senior living facilities.

  • Use: Independent living, assisted living, skilled nursing, and memory care
  • LTV: Up to 75%
  • Ideal For: Specialized senior housing communities with substantial capital needs

Manufactured Housing Loans

Flexible financing options for manufactured housing communities.

  • Use: Communities with 5+ pads
  • Term: 5–30 years
  • Ideal For: Scalable mobile home parks and manufactured housing portfolios

Have Questions?

Reach out to our experienced team today or complete our short online inquiry form to explore your options. We're here to help you navigate your financing journey with clarity and confidence.

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