Freddie Mac Optigo® Loan Programs

M&T Realty Capital Corporation® is a Freddie Mac Optigo® Lender, and is authorized to originate and service affordable housingconventional multifamily and seniors housing loans on behalf of Freddie Mac. Under the Freddie Mac program, M&T Realty Capital Corporation originates and services loans for apartment properties, including affordable housing and market-rate properties, independent and assisted living, student housing, and cooperatives. 

Freddie Mac offers early rate lock options for stabilized properties as well as those in lease-up or properties undergoing renovations and capital improvements. Our ability to structure financing solutions for single or multiple asset transactions means that we can accommodate even the largest, most complex deals in the market today.

Freddie Mac multifamily loans typically include the following features:

  • Up to 80% LTV (up to 90% for Affordable)
  • Debt Service Coverage (DSCR) of 1.25x (1.15x for Affordable)
  • 5- to 30-year financing terms (up to 40 years for Affordable)
  • Non-recourse provisions
  • Interest-only options available
  • Standard yield maintenance or defeasance
  • Supplemental mortgages available after 1 year
  • Early Rate Lock up to 12 months ahead
  • Fixed or adjustable rates

For specific loan information on this program, please call us at 1-800-737-2344.

All loans and all terms referenced herein are subject to receipt of a completed application, credit approval and other conditions.

Return to the loan program overview page.

M&T RCC Facts

  • In 2021, we originated $5.1 billion in loans, and currently service a loan portfolio of $24.6 billion.
  • We are a Top Fifteen FHA lender, and can provide financing for healthcare facilities or multifamily properties.
  • We are a Top Fifteen Freddie Mac lender.
  • We are one of only 19 lenders that hold licenses with all three agencies (Fannie Mae, Freddie Mac and FHA).