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.




The Freddie Mac Supplemental Mortgage offers an additional option in conjunction with a newly originated or seasoned conventional multifamily mortgage.

Loan Amount $1,000,000 minimum
Loan Term Seasoned – must be coterminous with original mortgage or may exceed original mortgage by up to 24 months
  • The Freddie Mac first mortgage must have been an Arbor transaction
  • At least 12 months must elapse between the closing of the first mortgage or the closing of the previous supplemental mortgage
  • The term of the supplemental mortgage must be at least three years
Acceptable Transactions
  • Fixed or floating regardless of the rate structure on the preexisting loan
  • Supplemental loans are allowed on conventional deals, but restricted to DSCR of 1.25 and LTV of 80% for acquisitions and DSCR of 1.30 and LTV of 75% for cash-out refinances; subject to Freddie Mac credit posture at time of application
  • Origination of a supplemental mortgage behind a securitized mortgage will trigger collection of any deferred reserves for that first mortgage
  • Real estate tax reserve, even if not required for the first mortgage
  • A new title insurance policy is required
  • No new survey is required, provided the title meets certain requirements
  • A new third-party appraisal report is required; an environmental database review is required; a new engineering report may be required, as determined by Freddie Mac
  • Unlimited (subject to all terms and conditions)
  • Less than five years left on term of first, the supplemental loan sizing is subject to additional exit risk analysis
Minimum DSCR 1.25 for acquisition, 1.30 for cash-out refinance
Maximum LTV Initial LTV unless otherwise noted
Eligible Borrower Original borrower or lender-approved transferee
Prepayment Yield maintenance
Assumable Subject to approval and 1% fee (nonrecourse loans only)
Application Fees $12,500
Origination Fee Par pricing not available


Request a Quote

Fill out a simple form and an expert loan originator will contact you shortly.