Choice Refinance - Arbor Realty

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 sector finished 2024 with the wind at its sails, as the market settled into a more normalized cycle with emerging opportunities.

Analysis

U.S. Multifamily Market Snapshot — May 2025

The U.S. multifamily market continued to settle into a normalized cycle, despite ongoing uncertainties surrounding the global economy and labor market. There is a rising tide of optimism for the sector ahead and investors are continuing to take advantage of market opportunities.

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.

Articles

Top Markets for Rental Demand Growth

Population growth, a critical factor in assessing rental housing demand, increased 0.9% in the U.S. during 2024, the fastest annual rate since 2008. However, growth rates were much higher for many markets, especially those in Texas, Florida, and the Carolinas. As first explored in Arbor’s Top Markets for Multifamily Investment Report Spring 2025, we dive deeper into metro-level population growth in markets with at least 500,000 residents to find the nation’s top markets for rental housing demand growth.

Articles

Arbor Recognized for Excellence from Agency Partners

Arbor’s platform of diverse multifamily financing solutions, combined with our strong industry relationships and our commitment to accuracy and close collaboration with our government-sponsored enterprise (GSE) partners, drives us to the top of the multifamily lender rankings year after year. Through decades-long relationships with Fannie Mae, Freddie Mac, and FHA, our best-in-class team delivered results for our borrowers in 2024, propelling Arbor to the top of the partner rankings.

General: 800.ARBOR.10 | Financing: 833.578.7554 | Servicing: 877.952.7267

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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