Commercial Bridge Loans: Fast, Flexible Financing for Multifamily Investors

With constantly changing market conditions, investors sometimes need access to capital with flexible terms to improve or secure an asset. Commercial bridge loans are a popular financing tool that provides borrowers with short-term capital for renovations and purchases. They are often the perfect first step in the door to the beginning of a long-term financial partnership.

Current Reports

Single-Family Rental Investment Trends Report Q1 2024

On the heels of a strong 2023, the single-family rental (SFR) sector is positioned to expand even more in 2024. Build-to-rent (BTR) starts ticked up in the third quarter to reach 7.8%, another record high. With occupancy rates stable and lease renewal rent growth above historical averages, SFR has healthy fundamentals that will continue to support growth amid headwinds, Arbor’s Single-Family Rental Investment Trends Report Q1 2024, developed in partnership with Chandan Economics, shows.


U.S. Multifamily Market Snapshot — Q4 2023

The U.S. multifamily market continued to show signs of slowing at the end of 2023, although demand remained robust, with high home prices leading younger generations of higher-income households to choose renting over homeownership.


Arbor Recognized as Top Lender by Fannie Mae, Freddie Mac, and FHA in 2023

Arbor’s platform of diverse multifamily financing solutions and our strong industry relationships drive us to the top of the multifamily lender rankings year after year. Through decades-long partnerships with Fannie Mae, Freddie Mac, and FHA, our best-in-class team delivered results for our borrowers in 2023, propelling Arbor to the top of the partner rankings.

Current Reports

Small Multifamily Investment Trends Report Q1 2024

Small multifamily starts the year from a position of strength with normalizing expense ratios and healthy occupancy rates. After demonstrating resiliency amid headwinds, this subsector is ready to capitalize on any positive momentum in the financial markets. Arbor’s Small Multifamily Investment Trends Report Q1 2024, developed in partnership with Chandan Economics, examines and explains the key developments every investor needs to know.

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Thomas Montemage

Senior Vice President, Risk Management

Thomas Montemage is responsible for the direct oversight of the Agency Risk Management department. This team performs the Special Servicing for Arbor’s Agency loans and primarily interacts with Fannie Mae’s Special Asset Management and Real Estate Owned groups as well as Freddie Mac SBL securitizations. He also oversees the primary servicing of Arbor’s Private Label securitizations, Fixed-Rate Single-Family Rentals, and Private Investment loans.

Before returning to Arbor in 2017, Mr. Montemage was a Vice President at M&T Bank Corporation, where he managed commercial credit risk teams that had direct oversight of the bank’s commercial loan portfolio. Prior to that role, he worked in Arbor’s Agency Portfolio Management and Loan Surveillance departments.

Mr. Montemage received a Bachelor of Science in Business Administration from the University of Buffalo, State University of New York, and a Master of Business Administration at St. Bonaventure University. He earned a Chartered Financial Analyst (CFA) designation in 2016.

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