Tempe is not only a multifamily story. The published Tempe origination is a single-tenant dental and medical office, a cash-out refinance of $745,000 in 2022. That is the file we can show. It is a prior-firm origination, and it is a reminder that a Tempe request can be a small permanent refinance rather than a large agency quote.
Larger Tempe income property — apartments near the city, industrial, and retail — is shopped the same way as the rest of the county. Fannie Mae or Freddie Mac when the multifamily is stabilized, HUD when the process fits, life company or bank for core commercial, CMBS when proceeds need to stretch, bridge when the asset is still transitional.
Arizona State University sits in Tempe. That is geography, not a claim that we finance campus projects or that student housing is a separate product line. Bring the rent roll. We will say which box the file belongs in.
Senior debt for Tempe
- Refinance
Start with the existing note: prepay, proceeds, and timing.
- Bank and credit union
Portfolio hold when the relationship, not a securitization box, is the point.
- Life company
Permanent debt for core cash flow. Rate lock is typically at application.
- Fannie Mae
Stabilized Arizona multifamily. Originated to Fannie Mae. Not a DUS lender.
- Freddie Mac
Optigo conventional, targeted, and value-add. We are not the seller/servicer.
- Bridge and private
Transitional capital sourced from private investors, with a takeout in mind.