In one sentence
Multifamily lending delivered to Fannie Mae, Freddie Mac, or Ginnie Mae execution through approved lender programs.
The longer version
Agency lending channels apartment loans to the government-sponsored enterprises and Ginnie Mae, offering attractive terms in exchange for conforming to agency standards, forms, and processes.
Agency deals template well because the requirements are standardized, rewarding lenders who build reusable checklists per program.
Common questions
- What is agency lending?
- Multifamily financing delivered through Fannie Mae, Freddie Mac or Ginnie Mae programs by approved lenders, typically offering long-term, non-recourse loans.
- Who can make agency loans?
- Lenders approved by the agencies, such as Fannie Mae DUS lenders and Freddie Mac Optigo lenders, plus HUD-approved lenders for FHA loans backed by Ginnie Mae securities.
- What property types qualify for agency financing?
- Primarily multifamily, including conventional apartments, affordable housing, seniors housing, student housing and manufactured housing communities, within each program's rules.
Keep reading