Articles

CRE Solutions for a Greener Planet Build Momentum

From California wildfires to rising sea levels to Florida hurricanes, the direct and indirect risks of climate change have grown in recent years, making a more substantial impact on the multifamily sector. As the need for sustainability becomes increasingly apparent, lawmakers and lenders have advanced programs and policies that show “going green” is a win-win.

Current Reports

Affordable Housing Trends Report Spring 2024

As housing costs spiral, rental affordability has become a more urgent issue, burdening a greater number of Americans. Arbor’s Affordable Housing Trends Report Spring 2024, developed in partnership with Chandan Economics, examines the major policies and programs shaping the marketplace at a time when overdue federal funding expansions have increased agency budgets.

Articles

What Is Driving Lifestyle Renter Demand?

Lifestyle renters — those who have the means to own but prefer to rent or are willing to pay more for apartments with amenities — have become a key driver of rental demand in single-family rental homes, build-to-rent communities, and other types of high-quality multifamily housing. With this small yet influential demographic growing, our research teams examine and explain the factors driving lifestyle renter demand.

Articles

Build-to-Rent Well-Positioned to Fill Housing Market Gap

With nearly one-fifth of multifamily properties now over 65 years old, it’s time to consider solutions for rejuvenating the rental housing stock in the U.S. While building rehabs are a tried-and-true solution, build-to-rent (BTR) is an alternative that is well-positioned to expand as Americans increasingly favor renting over homeownership.

Articles

U.S. Added 514,000 New Rental Households in 2023

In a year when inflation and elevated interest rates weakened affordability, the rental housing sector strengthened and expanded. An analysis of newly released U.S. Census Bureau Housing Vacancies and Homeownership data shows the number of rental households climbed in 2023.

General: 800.ARBOR.10

FANNIE MAE®

Streamlined Rate Lock

Arbor offers Streamlined Rate Lock (SRL) which provides a fast and flexible fixed-rate option for borrowers interested in
the ability to manage interest-rate risk by locking the entire rate, not only the Treasury index or spread. This flexibility
along with an expanded delivery tolerance and limited breakage fees makes the SRL the fastest loan product available in
the market.

Maximum Term of Rate Lock Up to 180 days.
Delivery Tolerance

If loan amount has been reduced at the time of delivery:

  • No fee for up to 5% reduction.
  • For a reduction between 5% and 10%; Good Faith Deposit on the amount > 5%.
Eligible Loans No size limit; Conventional, Coops, Green Rewards, Green Building Certification Loans, Hybrid ARM Loans, Manufactured Housing Communities, Multifamily Affordable Housing, Seniors Housing, Small Loans, Structured Transactions, Student Housing and Dedicated Student Housing properties. Some may be subject to pre-review.
Minimum Good Faith Deposit
  • Up through 90 days: 2%.
  • 91-180 days: 3%.
Breakage Fees Good Faith Deposit (for full break by borrower)
Preliminary Underwriting Requirements No prescribed set of preliminary underwriting requirements; the lender makes
the decision to rate lock based on its own determination of when it has sufficient
preliminary underwriting information.

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