Agency, on this desk, means three executions and a reason to pick one. Fannie Mae multifamily for stabilized conventional apartments. Freddie Mac Optigo for conventional, targeted affordable, and value-add. HUD/FHA — 223(f), 221(d)(4), and 232 — when term and leverage are worth the process. Capital Market Funds shops them against each other, and against life company, CMBS, and bank when agency is the wrong fit.
The role is origination. We are not Fannie Mae, not Freddie Mac, and not HUD. We are not a Fannie Mae DUS lender and not an Optigo Seller/Servicer. MAP and LEAN processing sits with the approved lender we pair the file with. We do not claim those approvals.
No agency tombstone is published on this site. We will not invent one to make this page look busier. The transactions list is life company, bank, bridge, and selected acquisitions and refinances. If your file is agency, the conversation still starts with the asset, the rent roll, and which of the three programs it actually belongs in.
How the capital is shopped
- Fannie Mae
Multifamily permanent debt. Rate certainty and a known takeout. Not a Fannie Mae DUS lender.
- Freddie Mac
Optigo conventional, targeted, and value-add. We arrange it; we are not the GSE.
- HUD / FHA
223(f), 221(d)(4), and 232 for multifamily, seniors, and healthcare.
- Life Company
The non-agency permanent alternative for core cash flow, including multifamily.
- Bridge & Private
Upstream of agency, when the asset is not a permanent file yet.