Freddie Mac OptigoSM Loan Programs

M&T Realty Capital Corporation® is a Freddie Mac OptigoSM Lender, and is authorized to originate and service conventional 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 market-rate properties, seniors housing, assisted living, student housing, cooperatives, and certain affordable housing projects. 

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
  • Debt Service Coverage (DSCR) of 1.25x
  • 5- to 30-year financing terms
  • 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 2018, we originated $4.9 billion in loans, and currently service a loan portfolio of $20 billion.
  • We are a top FHA lender, and can provide financing for healthcare facilities or multifamily properties.
  • We are one of only 19 lenders that hold licenses with all three agencies (Fannie Mae, Freddie Mac and FHA).