Freddie Mac Multifamily Seller/Servicer

Freddie Mac Multifamily Seller/Servicers in Relation to the Freddie Mac SBL Program

A Freddie Mac Multifamily Seller/Servicer is an entity that is permitted to sell multifamily loans to Freddie Mac, service Freddie Mac multifamily loans, or both. In order to become a Seller/Servicer, a company must be organized under federal or state law, needs to be a permanent, stable organization, and must be fully authorized to conduct business anywhere it is originating or servicing mortgages. Recently, Freddie Mac rebranded its network of Seller/Servicers, which is now referred to as the Optigo Network. Optigo is intended to streamline the loan origination and approval process while increasing certainty of execution, even for challenging loans.

In regards to the Freddie Mac SBL program, there are currently 11 Optigo seller/servicers authorized to originate and sell these loans to Freddie Mac, including Greystone, CBRE, and Hunt Mortgage Capital.

What are the requirements for becoming a Freddie Mac Multifamily Seller/Servicer?

In order to become a Freddie Mac Multifamily Seller/Servicer, a company must be organized under federal or state law, needs to be a permanent, stable organization, and must be fully authorized to conduct business anywhere it is originating or servicing mortgages. Additionally, servicers and sellers must meet a specific set of guidelines, which include collateral, undergoing a rigorous assessment, B-piece purchase, loss sharing, repurchasing of delinquent SBLs and origination of at least $50 million per quarter.

What are the benefits of being a Freddie Mac Multifamily Seller/Servicer?

Being a Freddie Mac Multifamily Seller/Servicer has many benefits, including a streamlined underwriting process, competitive pricing, less documentation, and either hybrid ARM or fixed-rate loan products. Additionally, the Optigo Network, which is the rebranded network of Seller/Servicers, is intended to streamline the loan origination and approval process while increasing certainty of execution, even for challenging loans. Source

Advantages of Freddie Mac Multifamily Loans include highly competitive pricing, early rate lock, up to 80% LTV, partial-term and full-term interest-only available, supplemental loans are available, and non-recourse. Source

What types of loans does Freddie Mac Multifamily Seller/Servicer offer?

Freddie Mac Multifamily Seller/Servicer offers several types of loans, including the Small Balance Loan (SBL) program, Conventional loans, and Supplemental Loans. The SBL program offers loans in amounts as low as $750,000 with fixed and adjustable-rate terms up to 10 years and 30-year amortizations. Freddie Mac Conventional loans offer loans between $5 million and $100 million with fixed-rate and floating-rate programs. Lastly, Supplemental Loans are available for current borrowers to provide them with additional funding when needed. For more information, please see the following sources:

How do I apply for a Freddie Mac Multifamily Seller/Servicer loan?

You can apply for a Freddie Mac Multifamily Seller/Servicer loan by filling out the form on this page. Additionally, you can become a Seller/Servicer by meeting the requirements outlined here. Once you become a Seller/Servicer, you can originate and sell loans to Freddie Mac through the Optigo Network. You can also apply for a Freddie Mac Small Balance Loan (SBL) program loan, which offers loans in amounts as low as $750,000 with fixed and adjustable-rate terms up to 10 years and 30-year amortizations. For more information on how to purchase an apartment property, please see this page.

What are the terms and conditions of a Freddie Mac Multifamily Seller/Servicer loan?

Freddie Mac Multifamily Seller/Servicers in Relation to the Freddie Mac SBL Program

Terms include:

Size	Loans start at $1 million
Terms	5-, 7-, and 10-year loan terms permitted (longer terms may be negotiated on a case-by-case basis); both fixed- and adjustable-rate financing are available, with a variety of I/O loan options.
Amortization	Up to 30 years
Recourse	The majority of loans are non-recourse with standard carve-outs
Maximum LTV/Minimum DSCR	5- to 7-Year Loans: Amortizing: 75%/1.30x Partial Term Interest-Only: 75%/1.30x Full Term Interest-Only: 65%/1.40x 7-Year Loans: Amortizing: 80%/1.25x Partial Term Interest-Only: 80%/1.25x Full Term Interest-Only: 70%/1.30x 7+ Year Loans: Amortizing: 80%/1.25x Partial Term Interest-Only: 80%/1.25x Full Term Interest-Only: 70%1.35x
Prepayment Options	Yield maintenance is permitted before the loan is securitized. After securitization, loans are subject to a 24-month lock-out. After this, defeasance is permitted, but, for a fee, borrowers can opt for a yield maintenance prepayment structure. Prepayment penalties are waived for the final 3 months of the loan term.
Eligible Properties	5+ pad sites required25% or less of manufactured homes may be rented outHomes must comply with safety standards set by HUD and must follow rules set by the Federal Manufactured Home Construction and Safety In this article: Freddie Mac Multifamily Seller/Servicers in Relation to the Freddie Mac SBL Program Related Questions Get Financing Tags Blog freddie-mac-sbl freddie-small-balance-loans glossary freddie-mac-multifamily freddie-mac-optigo freddie-mac-sbl freddie-mac-small-balance-loans Getting commercial property financing should be easy. Now it is. Click below for a free, no obligation quote and to learn more about your loan options.Get financing → Janover: Your Partner in Growth At Janover, we offer a wide range of services tailored to your unique needs. From commercial property loans and LP management to business loans and services for lenders, we're here to help you succeed. Learn more about Janover → Commercial Property Loans Get the best CRE financing on the market.Explore Financing Options → LP Management Syndicate deals on autopilot with Janover Connect. Discover LP Management → Business Loans Match with the right kind of loan, in record time. Find Business Loans → For Lenders Supercharge your loan pipeline. Unlock more deals. Boost Your Loan Pipeline → Apartment Loans is a part of Janover Capital LLC. Please visit some of our family of sites at: Multifamily Loans, Commercial Real Estate Loans, SBA 7(a) Loans, HUD Loans, and Janover Pro. Janover Capital LLC 6401 Congress Ave. Ste. 250 Boca Raton, FL 33487 (561) 556-9997 desk@janover.co Loan Types Bank Loans CMBS Construction Loans Fannie Mae Freddie Mac HUD/FHA Apartment Loans Commercial Loan Rates For Commercial Mortgage Brokers Site Information Privacy Policy Terms of Use For Commercial Mortgage Brokers This website is owned by a company that offers business advice, information and other services related to multifamily, commercial real estate, and business financing. We have no affiliation with any government agency and are not a lender. We are a technology company that uses software and experience to bring lenders and borrowers together. By using this website, you agree to our use of cookies, our Terms of Use and our Privacy Policy. We use cookies to provide you with a great experience and to help our website run effectively. Freddie Mac® and Optigo® are registered trademarks of Freddie Mac. Fannie Mae® is a registered trademark of Fannie Mae. We are not affiliated with the Department of Housing and Urban Development (HUD), Federal Housing Administration (FHA), Freddie Mac or Fannie Mae. This website utilizes artificial intelligence technologies to auto-generate responses, which have limitations in accuracy and appropriateness. Users should not rely upon AI-generated content for definitive advice and instead should confirm facts or consult professionals regarding any personal, legal, financial or other matters. The website owner is not responsible for damages allegedly arising from use of this website's AI. Copyright © 2026 Janover Capital LLC. All rights reserved. + Fill out the form below and get the pricing and terms banks can't compete with.

Freddie Mac Multifamily Seller/Servicer