Aging Baby Boomers Reshape the Housing Market

While the 2008 financial crisis prompted a cyclical shift in U.S. housing — impacting everything from home prices to who can qualify for a mortgage — an equally impactful demographic change was just taking shape. The unprecedented wave of Baby Boomers that began retiring would disrupt the balance of the housing market.


Secondary and Tertiary Markets Gain Ground on Primary Cities

As secondary and tertiary markets continue to gain parity with larger primary cities around the nation, they offer investors a significant potential for return on investment, even as the U.S. and global economic landscapes face notable headwinds.


Small Multifamily Investment Snapshot — Q4 2022

The small multifamily sub-sector ended 2022 on a high note with originations falling just behind 2021’s peak. As economic storm clouds continue circling, small multifamily appears fortified from any reverberations that may result.

Press Releases

Arbor Realty Trust Reacts to Ningi Research Report

UNIONDALE, N.Y., March 14, 2023  (GLOBE NEWSWIRE) – Arbor Realty Trust (NYSE: ABR), announced today that the Company is in receipt of the purported “research” report that was published earlier today by Ningi Research, a short seller of Arbor stock. The report lacks merit and contains numerous inaccuracies, misstatements, and otherwise misleading allegations. This false Read the full article…


Arbor’s Leah Fisher Joins Global Sustainability Panel at InnovateESG

Arbor Senior Vice President, Special Projects, Governance and Risk, Leah Fisher recently spoke on a thought-provoking panel discussion at InnovateESG 2023, a conference focused on environmental, social, and governance missions, hosted by NYU Stern’s Chen Institute for Global Real Estate Finance.


Single-Family Rental Investment Snapshot — Q4 2022

SFR will maintain exposure to the cyclical disruption brought on by the housing market’s softness and rising interest rates, even though its structural growth outlook remains positive and unchanged.



Green Financing®

Arbor’s Fannie Mae Multifamily suite of Green Financing solutions includes options for acquisition, refinance and supplemental financing. Green Financing solutions create a “triple bottom line” by supporting increased cash flows, better quality housing, and reduced energy and water usage.

Great Incentives
  • Lower interest rate
  • Fannie Mae pays 100% of energy and water audit report; loan must close as Green Rewards
  • Up to 5% more in loan proceeds
Minimum Loan Amount $750,000
Loan Term Up to 30 years
Amortization Up to 30 years; interest-only options also available
Minimum DSCR Green Rewards: 1.25 Conventional, 1.20 Affordable

Green Building Certification pricing break: 1.25 Conventional, 1.20 Affordable

Maximum LTV Up to 80%
Rate Structure Fixed- and adjustable-rate options available
Accrual 30/360 and Actual/360
Eligible Properties Conventional, affordable, seniors, military and cooperative properties nationwide are eligible (Manufactured Housing Communities are not eligible); borrower must commit to improvements projected to reduce the whole property’s annual energy and/or water usage by at least 30%, of which a minimum of 15% must be attributable to projected savings in energy consumption
Eligible Borrower Single asset entity
Occupancy Requirements 85% physical occupancy for 90 days; 70% economic occupancy required
Tax & Insurance Escrows Monthly deposits required
Replacement Reserves Monthly deposits required; underwritten at a minimum $250 per unit per annum; the cost of the agreed upon property improvements will be escrowed at 100% until completion
Recourse Nonrecourse available, with standard carve-outs for “bad acts” such as fraud and bankruptcy
Commercial Space Maximum 35% of net rentable area and maximum 20% of effective gross income
Assumable Subject to approval and 1% fee
Required Reports Appraisal, Property Condition Assessment, Phase I Environmental and a High Performance Building (HPB) report; Fannie Mae reimburses 100% of the cost for the HPB subject to the loan closing
Prepayment Yield maintenance and other declining prepayment options are available
Subordinate Financing Not allowed without written approval
Pricing Tiered pricing matrix; more favorable terms available for higher DSC and lower LTV
Rate Lock 30- to 180-day commitments; early/extended rate lock options available
Application Deposit $30,500; covers estimated processing and legal fees
Origination Fee Minimum 1%; par pricing available
Good Faith Deposit 2% of loan amount due at rate lock, but refundable
Verification of Property Improvements Property improvements must be completed within 12 months; lender will verify completion of the agreed-upon property improvements; borrower must report the property’s annual energy performance metrics, including ENERGY STAR score


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