Choice Refinance - Arbor Realty

Articles

Arbor’s Spring Project Destined Programs Shape Well-Rounded Young Professionals

Arbor executives mentored more than 50 students from across the country this spring in two new Project Destined programs, representing the largest group and, perhaps, our most impactful cycle of this ongoing partnership.

Articles

Top Multifamily Markets for Low Renter Turnover

Tenant retention is a valuable — though sometimes elusive — contributing factor to the strength of a multifamily property. Nationally, 29% of multifamily households signed a third lease for the same unit, according to an analysis of the U.S. Census Bureau’s American Community Survey. Locally, renter turnover was lowest in major coastal markets, like New York City, and highest in transient renter markets, like Charleston, SC.

Current Reports

Small Multifamily Investment Trends Report Q2 2025

While markets undergo rapid recalibration, the small multifamily market’s performance remains strong and stable. Arbor’s Small Multifamily Investment Trends Report Q2 2025, developed in partnership with Chandan Economics, details how the sector’s resilient fundamentals effectively support its growth amid ongoing economic volatility.

Proprietary Preferred Equity behind Conventional Loans

FREDDIE MAC® Proprietary Preferred Equity behind Conventional Loans Arbor now offers access to proprietary preferred equity behind all Freddie Mac Conventional loans we originate. With Arbor, you can simultaneously secure a senior loan and preferred equity under one roof, streamlining your experience throughout the lifecycle of your loan.

Analysis

Top U.S. Multifamily Rent Growth Markets — Q1 2025

The U.S. multifamily market continued to settle into a more normalized cycle during the first quarter of 2025, as well-positioned investors began to take advantage of new opportunities in an uncertain economic environment.

Analysis

U.S. Multifamily Market Snapshot — May 2025

The U.S. multifamily market continued to settle into a normalized cycle during the first quarter of 2025, despite ongoing uncertainties surrounding the global economy and labor market.

Articles

Dr. Sam Chandan Dissects What’s Driving Top Market Growth

In a rapidly evolving economic environment, the top markets for multifamily investment tend to shift quickly. In this video, Dr. Sam Chandan, founding director of the C.H. Chen Institute for Global Real Estate Finance at the NYU Stern School of Business and founder of Chandan Economics, discusses the findings of Arbor’s Top Markets for Multifamily Investment Report Spring 2025, which was developed in partnership with Chandan Economics.

Articles

Arbor Celebrates Environmental Roots with Long Island and Buffalo Tree Plantings

Inspired to advance Arbor’s more than 30-year legacy of tree plantings, our Long Island and Buffalo teams recently planted saplings, adding to the over 20,400 trees planted and pledged throughout our company’s history.

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Home | Fannie Mae | Choice Refinance

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FANNIE MAE DUS^®

Choice Refinance

Arbor’s Choice Refinance product offers a streamlined refinance execution for Fannie Mae Portfolio Mortgage Loans in good standing.

Loan Amount	No minimum loan amount (subject to change)
Loan Term	Standard DUS options available (5- to 30-year terms)
Amortization	Generally 30 years
Minimum DSCR	1.25x DSCR calculated according to standard DUS underwriting guidelines
Maximum LTV	80%; if cash-out, 75%
Rate Structure	Fixed- and adjustable-rate options available
Pre-Review Mortgage Loans	Prereview mortgage loans are no longer prohibited for Choice Refinance loans; generally, no prereview is required if the prereview category for the portfolio mortgage loan was previously approved by Fannie Mae
Benefits	Benefits include: Flexible refinancing and increased lender delegation Lower costs from reduced documentation Speed in processing and underwriting
Tax & Insurance Escrows	Monthly deposits required; may be waived if certain criteria are met
Replacement Reserves	Underwritten at a minimum $250 per unit per annum
Recourse Requirements	Nonrecourse except for standard carve-outs
Prepayment	After the expiration of the yield maintenance period, the required 1% prepayment premium may be reduced or waived in certain circumstances; prepayment premium due may be paid from the proceeds of the new loan
Assumable	Subject to approval and 1% fee
Supplemental Financing	DUS supplemental loans are permitted after the Choice Refinance loan has been in place for one year

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