Originate & Underwrite

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Optigo Happy

Mobile App

The Optigo Happy app works with Optigo to offer greater simplicity, precision and flexibility in a single mobile inspection application. Download the app below.

Desktop App

Use this link to access the desktop version of the property inspection application.

myOptigo^®

myOptigo

Quick Tips for Loan Quote Submission

OUS

Origination and Underwriting System

DMS

Document Management System

ICT

Insurance Compliance Tool

AllRegs^®

Seller/Servicer Guide

Full Guide 12/12/2024
Guide Glossary 12/12/2024
Guide Directory 12/12/2024
AllRegs User Guide 10/17/2024

MSIA

Multifamily Securities Investor Access

Resources

Archived
1. .html SBL Archived Documents 05/18/2022
Checklists / Guide Exhibits
1. .xls Interactive Conventional and TAH Cash UW Checklist 12/12/2024
2. .xls SBL UW Checklist 12/12/2024
3. .pdf Exhibit 1.1 - Conventional UW Checklist 08/15/2024
4. .pdf Exhibit 1.25 - TAH Prescreen Package Checklist 04/13/2023 Prescreen Package for Cash Mortgages and Bond Credit Enhancement Mortgages
5. .pdf Exhibit 1.26 - TAH Cash Mortgage Full UW & Early Rate-Lock Checklist 08/15/2024
6. .pdf Exhibit 1.29 - TAH Bond CE Mortgage - Full UW Checklist 08/15/2024
7. .pdf Exhibit 1.30 - TAH Cash Forward Commitment - Full UW Checklist 08/15/2024
8. .pdf Exhibit 1.31 - TAH Cash Conversion UW Checklist 08/15/2024
9. .pdf Exhibit 1.32 - TAH Bond CE Forward Commitment - UW Checklist 08/15/2024
10. .pdf Exhibit 1.33 - TAH Bond CE Conversion UW Checklist 08/15/2024
11. .pdf Exhibit 2 - Origination Guidelines for TAH Mortgages
12. .pdf Exhibit 11 - Radon Testing and Mitigation Standards 06/15/2023
13. .pdf 501(c)(3) Due Diligence Checklist - TAH
Contacts
1. .pdf SBL - Underwriting Contact List 03/29/2024
2. .pdf SBL - Production Contact List 11/05/2024
3. .pdf SBL Inspection Contact List 06/10/2024
4. .pdf SBL Regional Map 06/10/2024
5. .pdf SBL - Single Counsel Contact List 04/22/2024
6. .pdf Seniors Housing Contact List 06/13/2024
Inspections
1. .xls Property Inspection and Lease Audit 11/25/2024
2. .xls TAH Inspection Request Template 06/15/2023
3. .pdf TAH Inspection Scheduling Process Memo 06/15/2023
4. .pdf SBL Inspection Scheduling Process 05/09/2024
5. .pdf SBL Partial B2B Submission and Inspection Scheduling 05/08/2024
6. .xls SBL Inspection Request Template 08/30/2024
7. .doc SBL Inspection Questionnaire 07/25/2024
LIHTC Equity
1. .doc Construction Consultant LIHTC Equity - Minimum Qualifications 10/19/2022 targeted affordable housing, LIHTC, LIHTC equity
2. .xls Due Diligence Checklist 06/14/2024 LIHTC Equity, Targeted Affordable Housing
3. .xls Equivalent Experience Expertise Certification 10/18/2022 LIHTC Equity, Targeted Affordable Housing
4. .xls Production Screening Form 08/22/2024 LIHTC Equity, Targeted Affordable Housing
5. .doc Site Visit Guidelines 09/26/2022 LIHTC Equity, Targeted Affordable Housing
6. .zip Operating Partnership and Operating Partnership Principal Certificate (Form 1115) 09/20/2024 LIHTC equity, LIHTC, targeted affordable housing
7. .xls UGEM Summary 09/20/2024 LIHTC Equity, Targeted Affordable Housing
8. .doc Radon Rider 02/01/2019
Loan Sizing Resources
1. .xls SBL - Income and Expense Comparables (Excel 2013 and earlier) 04/01/2024
2. .xls SBL - Income and Expense Comparables (Excel 2016) 04/01/2024
3. .xls SBL - Market Tiering 01/19/2024
4. .doc SBL Portfolio Narrative Form 05/09/2024
5. .xls Portfolio Rollup Template - SBL 01/28/2021
6. .xls Tenant Improvements/Leasing Commissions (TI/LC) Calculator - SBL 11/30/2015
Loan, Locks & Products
1. .pdf Index Lock Frequently Asked Questions 02/14/2022
2. .pdf Index Lock Overview 02/14/2022
3. .doc Breakage Fee Provisions 10/11/2021
4. .pdf SPE and Report Streamlining for Loans $20MM and Under 06/25/2020
5. .pdf Moderate Rehab Best Practices: Appraisals 03/13/2019
6. .pdf Moderate Rehab Best Practices: Conversion 03/13/2019
7. .pdf Moderate Rehab Best Practices: Property Condition Due Diligence 03/13/2019
8. .pdf Moderate Rehab Best Practices: Seller Sizing and Submission 03/13/2019
9. .pdf Moderate Rehab Best Practices: Servicing, Renovation Monitoring and Draws 03/13/2019
10. .pdf Mod Rehab vs Value-Add Chart 04/17/2017
11. .pdf Interest Rate Cap Options for Floating-Rate Cash Loans 02/19/2016
12. .pdf Supplemental Loans: Top 10 Tips 02/09/2016
13. .pdf Defeasance: An Attractive Alternative to Yield Maintenance 05/20/2015
14. .pdf Comparison of Fixed-Rate Note (Defeasance) to Floating-Rate Note 05/08/2014
15. .pdf Comparing our Securitization and Portfolio Executions - TAH 03/19/2014
16. .pdf Loan Agreement - Benefits for Borrowers - At-A-Glance 05/31/2013
17. .pdf Multifamily Lease Standards Policy 08/28/2024
18. .pdf Multifamily Lease Standards Policy FAQs 08/28/2024
Narrative
1. .doc Mortgage Transaction Narrative Boilerplate - SBL 06/06/2024 This document serves as an SBL boilerplate and offers best practices for completing the MTNA. You can use the language in the document as the basis for your narrative.
2. .doc Seniors Housing Narrative for Quote 01/30/2015
3. .doc Underwriting Boilerplate 12/03/2024
Numbered Guide Forms
1. .html Multifamily Annual Certification Report (Form 16M) 05/21/2022 To access these forms, you will need a valid User ID and password for the Multifamily Eligibility System (MES). Contact your system administrator for access to the MES.
2. .html Multifamily Annual Certification Report - Structured Transaction & Tax-Exempt Bond Seller/Servicers (Form 17M) 05/13/2022 To access these forms, you will need a valid User ID and password for the Multifamily Eligibility System (MES). Contact your system administrator for access to the MES.
3. .pdf Loan and Real Estate Owned (REO) Expenses and Income (Form 104)
4. .pdf Wire Transfer Authorization (Form 483M) 04/18/2024
5. .pdf Letter of Credit - SBL Certification (Form 921)
6. .pdf Transfer of Servicing Agreement (Form 981M) 02/22/2024
7. .pdf Wire Transfer Authorization - Cash Warehouse Delivery (Form 987M)
8. .pdf Multifamily Certificate of Authorized Representative (Form 988M) 04/18/2024
9. .pdf Multifamily Certificate of Corporate Secretary (Form 989M) 04/18/2024
10. .pdf Certificate of Limited Liability Company Secretary/Authorized Representative (Form 990M) 04/18/2024
11. .pdf Warehouse Lender Release of Security Interest (Form 996M)
12. .zip Value-Add Monitoring (Form 1028)
13. .xls Reserves Held in Custodial Accounts (Form 1056) 06/15/2023
14. .pdf Letter Agreement for Securities Custodial Account for Tax-exempt Bond Transactions (Form 1057A) 10/20/2022
15. .pdf Letter of Agreement for Servicer's Principal and Interest of P&I Disbursement Clearing Custodial Account (Form 1057) 06/15/2023
16. .pdf Letter Agreement for Servicer's Reserve Custodial Account (Form 1058) 10/20/2022
17. .pdf Letter of Agreement for Principal and Interest, or P&I Disbursement Clearing Custodial Account (Form 1059) 06/15/2023
18. .pdf Letter Agreement for Reserve Custodial Account (Form 1060) 10/20/2022
19. .pdf Certificate of Incumbency and Authority To Draft Against Custodial Accounts (Form 1061)
20. .pdf Certificate of Incumbency and Authority To Draft Against Securities Custodial Accounts (Form 1061A)
21. .pdf Sight Draft (Form 1062)
22. .pdf Notice Letter - Alternative CE Bond Billing Procedure (Form 1063)
23. .pdf Authorization for Automatic Transfer of Funds from a Principal and Interest Custodial Account Through the ACH (Form 1064) 06/15/2023
24. .pdf Report of IRS Form 1099-A and 1099-C Filings (Form 1065M)
25. .pdf Legal Referral Form (Form 1101)
26. .zip Seismic Risk Assessment Summary (Form 1102)
27. .zip Environmental Site Assessment (Form 1103) 09/14/2023
28. .zip Green Report (Form 1106) 12/14/2023
29. .zip Multifamily Seller/Servicer Change Notification (Form 1107M) 06/13/2024 To view this form, download and open the form in Adobe Reader
30. .xls Physical Risk Report (Form 1108) 12/12/2024 Use this physical risk report for Conventional and Targeted Affordable Housing Loans
31. .html Multifamily Annual Certification Report - Servicer Only (Form 1110M) 05/16/2022 To access these forms, you will need a valid User ID and password for the Multifamily Eligibility System (MES). Contact your system administrator for access to the MES.
32. .zip Borrower and Key Borrower Principal Blanket Certification (Form 1112) 12/12/2024
33. .pdf Certification - Organizational Chart (Form 1114) 06/13/2024
34. .pdf Borrower and Key Borrower Principal Certificate (Form 1115) 06/13/2024
35. .xls Real Estate Schedule (Form 1116) 06/13/2024
36. .xls Student Housing Questionnaire (Form 1120)
37. .pdf Borrower Application for Partial Release or Easement (Form 1125)
38. .pdf Acknowledgement of Property Improvement Alterations (Form 1126)
39. .html Seller/Servicer Certification of Insurance Coverage (Form 1133) To access this form you will need a valid User ID and password for the Insurance Compliance Tool (ICT). Contact your system administrator for access to the ICT.
40. .pdf Hazard Loss Notification and Plan (Form 1140) 09/14/2023
41. .pdf Hazard Loss Disbursement Request (Form 1140-DR) 09/14/2023
42. .xls Multifamily Principal & Interest Custodial Account Reconciliation Worksheet (Form 1143)
43. .pdf Verification of Collections (Form 1144)
44. .pdf System Administrator Add/Update/Remove Request (Form 1146) To view this form, download and open the form in Adobe Reader
45. .pdf System User Verification and Certification (Form 1148)
46. .pdf System Administrator Verification and Certification (Form 1149)
47. .pdf Wire Transfer Authorization - Non-Warehoused Mortgage (Form 1150)
48. .zip Green Retrofits Certification (Form 1209)
49. .xls Forward Commitment Monitoring Report (Form 5150)
50. .pdf Waiver of 50-page Limit for SBL Appraisal (Form 6011)
51. .pdf Employer Enabled Permanent Supportive Housing Borrower Certification (Form 1134) 08/15/2024
52. .pdf Transfer of Securitized Servicing Agreement (Form 983M) 08/15/2024
53. .xls Property Condition Assessment (Form 1105) 12/12/2024
54. .xls SBL Physical Risk Report (Form 1104) 12/12/2024
Org Chart, KYC, Due Diligence Search Resources
1. .pdf Customer Due Diligence Search Tips 07/25/2023
2. .pdf Borrower Due Diligence FAQs 05/04/2023
3. .pdf Borrower Due Diligence Updates - Presentation Deck 04/13/2023
4. .doc Web Search Tool 11/25/2024
5. .pdf Organizational Chart Guidance 11/22/2021
6. .html Organizational Chart - Interactive Guidance 04/13/2023
7. .pdf Know Your Customer Webinar Deck 09/28/2018
8. .pdf Public Records Search Requirements 08/15/2024
Property Condition and Environmental Site Assessments
1. .pdf Radon Reporting - Data Elements 09/14/2023
2. .pdf Multifamily Radon Policy FAQs 07/24/2023
3. .xls Report Review Aid for SBL Physical Risk Reports 02/24/2023
4. .xls Report Review Aid for Environmental Reports 09/26/2023
5. .zip Report Review Aid for Property Condition Reports 05/13/2021
6. .xls Equivalent Experience and Expertise Certificate 03/02/2018 Seller/Servicers may retain a consultant that does not meet the Freddie Mac Multifamily Seller/Servicer Guide requirements for experience and education without obtaining our prior approval by submitting this certificate.
7. .pdf Property Condition and Environmental Reports Best Practices 09/26/2023
References & Tools
1. .pdf SBL Refinance & Short-term Growth Analysis 07/28/2023
2. .pdf SBL Collections Guidance 11/01/2021
3. .doc CARES Act Borrower Reminder Notice (Origination) 08/03/2021
4. .pdf Cash-Out Refinance and Commercial Income Memo - SBL 02/17/2023
5. .pdf SBL Link Loan FAQs 12/02/2022 SBL Link Loan FAQs
6. .pdf Link Eligibility Map 11/01/2022
7. .pdf Tenant In Common - Borrower Minimum Requirements - SBL 10/04/2022
8. .pdf IRA Ownership Structure Guidance - SBL 08/24/2022
9. .pdf Programmatic Exception List - SBL 12/12/2024
10. .pdf Freddie Mac K Series – Historical A2/A Bond Spreads 12/23/2024
11. .pdf MHC Tenant Protections Update Training 04/25/2022
12. .pdf Credit Risks & No Path Forward Aid - SBL 04/12/2024
13. .pdf Age Restricted Loan Processing Guidance 03/02/2022
14. .pdf Multifamily Market Ratings for Markets Predicted to Perform Significantly Below Average 12/09/2024
15. .pdf SBL PMT 8.4 Job Aid 10/07/2021
16. .doc Borrower Certification of Property Condition - Weather Events 07/18/2024
17. .pdf Elevated Seismic Hazard Region Map 06/10/2021
18. .pdf OUS Data Fields Checklist - SBL 05/24/2021
19. .pdf Providing a Better Loan Assumption Process for Borrowers 05/20/2021
20. .pdf SBL Pricing Grid Explanation 03/26/2021
21. .pdf Originate & Underwrite Page Best Practices 03/18/2021
22. .pdf Kitchen and Tenant-Owned Appliances Requirements - SBL 02/26/2021
23. .xls Tax Abatement Cash Flow Analysis Template - SBL 10/18/2024
24. .pdf Tax Abatement Guidance - SBL 01/21/2021
25. .pdf Seniors Housing Quote Memo Guidance 12/22/2020
26. .pdf Understanding Tax Abatements 11/24/2020
27. .pdf Certificate of Occupancy Guidance - SBL 11/05/2020
28. .xls Rent Roll Template 10/01/2020
29. .pdf PMT Job Aid Prescreen & Exception Form - SBL 08/12/2020
30. .doc Optigo® Lender's Fee Certification – Conventional & Targeted Affordable 12/14/2023
31. .html Duty to Serve Mapping Tool 10/11/2019
32. .pdf SBL Litigation Analysis Guidance 05/04/2018
33. .pdf Seismic – Determining a PGA Using the USGS Tool 12/01/2022
34. .xls Commercial Lease Analysis and Estoppel - SBL 09/25/2015
35. .pdf Equity Conflicts of Interest Determination Chart 06/25/2020
36. .pdf Qualifications of Seniors Housing Liability Assessment Professional 08/18/2015
37. .pdf Moisture Management Plan Handbook 09/20/2022 Freddie Mac requirements for mold and moisture management and mitigation.
38. .doc Index Lock Certification for Broker/Correspondent Loans 12/08/2023 Index Lock Certification, Form, Broker and Correspondent Loans, Multifamily
39. .pdf Broker/Correspondent Policy FAQs 02/14/2024 These FAQs are to be read in connection with the Broker/Correspondent provisions set forth in the
  Multifamily Seller/Servicer Guide, Section 3.15.
40. .pdf NY Substantial Rehabilitation Guidance & Prescreen Requirements 02/09/2024 New York State, Substantial Rehabilitation Guidance, Prescreen Requirements
41. .pdf April 2024 Guide Training 04/12/2024
42. .pdf SBL Rate Buydowns 09/25/2024
43. .pdf August 2024 Guide Training 08/08/2024
44. .pdf Emerging Correspondent Definitions 11/08/2024
45. .pdf Multifamily Minute: Emerging Correspondent Relaunch 11/08/2024
46. .pdf Priority Repair Remediation Plan Guidance 12/12/2024
Requests & Approvals
1. .pdf TAH Conflicts Check – Transaction Parties and Details 11/03/2022
2. .xls SBL - Prescreen and Exception Request Form 05/31/2024
3. .xls TAH Cash Quote Request Form 01/22/2022
4. .xls TAH Bond Quote Request Form 01/21/2022
5. .doc SBL - Full Package Submission Template 12/01/2023
6. .pdf Exception Form Directions 06/12/2018
7. .pdf Counterparty Approval Request
8. .pdf Geographical Waiver Request
9. .pdf Certification Regarding Payment of Fees and Expenses of Freddie Mac's Outside Legal Counsel - TAH
10. .zip Exception Request - TAH
11. .zip LIHTC Syndicator Approval Request
12. .doc Prescreen Executive Summary -TAH 07/15/2014
13. .xls Forward Commitment Quarterly Report - TAH 05/07/2014
14. .pdf Construction Monitoring - TAH 05/21/2013 Tips for monitoring both new construction and substantial rehab projects that are delivered as Forward Commitments.
15. .pdf Prior Approval: Criteria for Monitoring Construction of Forward Commitments - TAH 10/01/2009
2024 SBL Updates
1. .pdf 01/05/2024: SBL Update 01/05/2024 SBL Underwriting Checklist , 2024 Multifamily Outlook
2. .pdf 01/19/2024: SBL Update 01/19/2024
3. .pdf 01/26/2024: SBL Update 01/26/2024 2023 Top Lenders, SBL I&E Comparables Engine
4. .pdf 02/09/2024: SBL Update 02/09/2024 NY Substantial Rehabilitation Law, substantial rehabilitation, Multifamily Research Page
5. .pdf 02/16/2024: SBL Update 02/16/2024 Underwriting Appraisal Checklist, Web Search Tool, Presidents Day
6. .pdf 02/23/2024: SBL Update 02/23/2024 SBL Appraisal Webinar, New Guide Updates
7. .pdf 03/08/2024: SBL Update 03/08/2024 Optigo Essentials: SBL Workshop, New Affordability Test, New Resident-Centered Housing Features Resource
8. .pdf 03/15/2024: SBL Update 03/15/2024 Optigo Essential: SBL Workshop
9. .pdf 03/22/2024: SBL Update 03/22/2024 Optigo® Essentials: SBL Workshop, New Affordability Test
10. .pdf 03/29/2024: SBL Update 03/29/2024 Optigo Essentials SBL Workshop, Multifamily All Star, Promotions
11. .pdf 04/12/2024: SBL Update 04/12/2024 Hybrid Loan Products, Originate & Underwrite, Credit Risks Update, Optigo® Essentials: SBL Workshop
12. .pdf 04/19/2024: SBL Update 04/19/2024 Seller/Servicer Guide, Updated SBL I&E Comparables Engine, Optigo® Essentials: SBL Workshop
13. .pdf 04/26/2024: SBL Update 04/26/2024 Optigo® Essentials: SBL Workshop, 5- & 7-year Hybrid Loan Products
14. .pdf 05/24/2024: SBL Update 05/24/2024 New Affordability Test, Memorial Day
15. .pdf 05/31/2024: SBL Update 05/31/2024 Programmatic Exceptions Update, Low-Income Units in PMT, Resident-Centered Housing
16. .pdf 06/07/2024: SBL Update 06/07/2024 Physical Risk Report, SBL Mortgage Transaction Narrative
17. .pdf 06/14/2024: SBL Update 06/14/2024 New Guide Updates, SBL Rate Buydowns
18. .pdf 06/21/2024: SBL Update 06/21/2024 Updates to Temporary Exceptions, SBL Rate Buydowns, Certified Liquidity Documentation
19. .pdf 06/28/2024: SBL Update 06/28/2024 Underwritten Vacancy Rates, Develop the Developer, Independence Day
20. .pdf 07/26/2024: SBL Update 07/26/2024 Updated SBL Inspection Questionnaire, Organizational Chart Guidance, 2024 Midyear Multifamily Outlook
21. .pdf 08/02/2024: SBL Update 08/02/2024 SBL Loan Agreement and Commitment Updates, SBL Inspection Questionnaire, 2024 Midyear Multifamily Outlook
22. .pdf 08/09/2024: SBL Update 08/09/2024 Rate Buydown Option in Pipeline Management Tool, SBL Loan Applications
23. .pdf 08/16/2024: SBL Update 08/16/2024 Historical Property Financial Statement Reconciliation, Public Records Searches, Real Estate Schedule Verification, SBL PR-90 Repairs and Priority Repairs
24. .pdf 08/23/2024: SBL Update 08/23/2024 SBL Team Promotions, Production & Sales, Underwriting & Credit
25. .pdf 08/30/2024: SBL Update 08/30/2024 Freddie Mac Delegated Inspections, New Enterprise Lease Standards Framework, Labor Day
26. .pdf 09/06/2024: SBL Update 09/06/2024 Optigo Happy® Inspection Ratings, Freddie Mac Delegated Inspections
27. .pdf 07/12/2024: SBL Update 07/12/2024 SBL Midyear Lender Call, Q&A, Multifamily Seller/Servicer Guide
28. .pdf 09/13/2024: SBL Update 09/13/2024 Volume and Cycle Times, Health and Wellness Services
29. .pdf 09/20/2024: SBL Update 09/20/2024 Small Balance Loan (SBL) Request a Quote, DHCR Rent Roll Requirements
30. .pdf 10/04/2024: SBL Update 10/04/2024 Hurricane Helene Guidance, 2024 Business Deadlines
31. .pdf 10/11/2024: SBL Update 10/11/2024 Hurricane Milton Guidance, Borrower Certification of Weather-Related Event
32. .pdf 11/08/2024: SBL Update 11/08/2024 Updates to Temporary Exceptions, Year-End Closing Update, Business Deadlines, 10 Years of SBL
33. .pdf 11/22/2024: SBL Update 11/22/2024 2025 Lending Cap, 2025 Sponsor Cohorts, Resident-Centered Housing Features
2023 SBL Updates
1. .pdf SBL Update: December 15 12/15/2023 SBL Prepayment Report, Affordability Test, Appendix A, Happy Holidays
2. .pdf SBL Update: December 8 12/08/2023 Full Package Submission Template, New Affordability Test
3. .pdf SBL Update: December 1 12/01/2023 2024 Lending Cap, Affordable Goals, Market Designations, Sponsor Cohort, Impact Sponsor, Diverse & Emerging Sponsor, Full Package Submission, 2023 Business Deadlines
4. .pdf SBL Update: November 17 11/17/2023 FHFA, Cap, 2024,PMT, Broker Fee Certification
5. .pdf SBL Update: November 9 11/09/2023 Policies, Brokered Loans, Appraisal Requirements, Impact Sponsors, Nominations, Diverse & Emerging Sponsors: Interest Form, Year-end Deadlines
6. .pdf SBL Update: November 3 11/03/2023 Borrower Experience, Property Management, Year-End Deadlines. Impact Sponsors, Nominations, Diverse & Emerging Sponsors, Interest Form
7. .pdf SBL Update: October 20 10/20/2023 SBL Production Team , Eastern Region, Guide Updates, Acquisition loans, Purchase Agreement Analysis form
8. .pdf SBL Update: October 6 10/06/2023 Organizational Charts, Insurance Compliance Tool, Insurance Requirements
9. .pdf SBL Update: September 29 09/29/2023 Income and Expense Comparables engine , Optigo Academy, I&E
10. .pdf SBL Update: September 15 09/15/2023 Appraisal, Rent-reporting, credit building
11. .pdf SBL Update: September 8 09/08/2023 Affordability Test, Multifamily LinkedIn
12. .pdf SBL Update: September 1 09/01/2023 NYC Rent Stabilization, NYC Rent Guidelines, Promotions
13. .pdf SBL Update: August 18 08/18/2023 Guide Update, Key Borrower Principal Experience , SBL Underwriting Checklist
14. .pdf SBL Update: August 4 08/04/2023 CreditSmart, Spanish, Fraud Prevention, Multifamily Fraud webpage
15. .pdf SBL Update: July 28 07/28/2023 SBL Refinance Analysis, Short-Term Value Growth
16. .pdf SBL Update: July 14 07/14/2023 Multifamily All-Star, Diverse & Emerging Sponsors, Central Region, SBL Production Team
17. .pdf SBL Update: July 7 07/07/2023 Central Region – SBL Production Team, Renter Affordability, Sponsor Speed Reads
18. .pdf SBL Update: June 30 06/30/2023 Mortgage Transaction Narrative Boilerplate, Guide Bulletin, Workshop Presentations, SB-Deal, Cash Flow Section
19. .pdf SBL Update: June 16 06/16/2023 Affordability Test, Deal Status, Juneteenth
20. .pdf SBL Update: June 9 06/09/2023 Affordability Test, Application Fees, PCA (Form 1104) Additional Testing Requirements
21. .pdf SBL Update: June 2 06/02/2023 Small Balance Loan (SBL) Credit Roundtable Q&A, Code Violation Guidance, Collections Guidance
22. .pdf SBL Update: May 26 05/26/2023 Optigo Essentials for SBL Workshop, Short Term Value Growth, Income and Expense Analysis, Q&A
23. .pdf SBL Update: May 19 05/19/2023 Optigo® Essentials for SBL workshop Q&A
24. .pdf SBL Update: May 12 05/12/2023 Optigo Essentials 2023 SBL Workshop Recap
25. .pdf SBL Update: May 5 05/05/2023 Rent Rolls, Chapter 55SBL.2
26. .pdf SBL Update: April 28 04/28/2023 Last Chance to Register, Optigo Essentials for SBL Workshop, April 2023 Tips & Tricks
27. .pdf SBL Update: April 21 04/21/2023 Register Now, Optigo Essentials for SBL Workshop, Multifamily All-Star, Tarrah Marbach, Programmatic Exceptions Update, April 2023 Tips & Tricks
28. .pdf SBL Update: April 14 04/14/2023 Register Now, Optigo Essentials for SBL, New Guide Bulletin, Programmatic Exceptions Update, April 2023 Tips & Tricks
29. .pdf SBL Update: April 7 04/07/2023 Optigo Essentials, SBL Workshop, Borrower Due Diligence Training, April 2023 Tips & Tricks
30. .pdf SBL Update: March 31 03/31/2023 Register Now, Optigo Essentials, SBL Workshop, PMT, Pricing Grid Update, April 2023 Tips & Tricks
31. .pdf SBL Update: March 24 03/24/2023 Registration Open, SBL Workshop, Optigo Essentials, Chicago, May 4, Replacement Reserves, SBL Loans
32. .pdf SBL Update: March 17 03/17/2023 McClean Workshop Cancelled, Chicago Only, SBL Lenders
33. .pdf SBL Update: February 24 02/24/2023 February Pricing Update, Guide Update, Appraisal Requirements, Revised Documentation, Underwriting Package, SBL Single Counsel, Equitable Housing Map
34. .pdf SBL Update: February 17 02/17/2023 MBA CREF Recap, Cash-Out Refinance, Commercial Income Requirements, Presidents Day
35. .pdf SBL Update: January 27 01/27/2023 2022 Year-End Review, Third-Party Reports, Exceptions Requests, Appraisal Review, Pipeline Management
36. .pdf SBL Update: January 20 01/20/2023 Year End Volume, Top Lenders, Flood Insurance, NYC Property Taxes
37. .pdf SBL Update: January 13 01/13/2023 low income, li, pipeline management tool, pmt, sbl, small balance loan
2022 SBL Updates
1. .pdf SBL Update: December 16 12/22/2022 guide updates, sbl borrower principals with control, seismic risk assessment, insurance requirements, programmatic exceptions, exception request form, link loans, minimum borrower experiences, happy holidays
2. .pdf SBL Update: December 2 12/22/2022 sbl link loan, faqs, year-end deadlines, final delivery package
3. .pdf SBL Update: November 18 12/22/2022 2023 lending cap, 75 billion, mission driven, site inspections, sbl link loans, expansion, virtual pop-ups, year-end deadlines, final delivery package
4. .pdf SBL Update: November 4 11/09/2022 new inspection scheduling process, November 11, 1 week lead time, in-person inspections, sbl link loans, sbl term sheet, link eligibility map, programmatic exception list, prescreen & exception request form, link loan parameters, optigo academy, pop-ups
5. .pdf SBL Update: October 28 11/09/2022 sbl link loan expansion training, November 1, Jessica Gonzalez, steve malloy, pop-ups, link loans, year-end, deadlines, year end, December 1, rate ock, final delivery package, 2022 funded, impact, equitable housing, interactive map, mission
6. .pdf SBL Update: October 7 11/09/2022 sbl business update recap, rate-lock desk closure, signed applications, pmt, pipeline management tool, tenant-in-common, borrower minimum requirements, tic
7. .pdf SBL Update: September 23 09/23/2022 multifamily all star, jose barrios, hispanic heritage month, underwriting team, north central, year end deadlines, december 1, december 15, rate lock, 2022 funded
8. .pdf SBL Update: September 16 09/16/2022 year end deadlines, december 1, december 15, rate lock, 2022 funded, promotions, steve malloy, senior director, production & sales, programmatic exceptions
9. .pdf SBL Update: September 9 09/09/2022 team promotions, dawson granade, kevin duffy, rob zuccaro, bobby freesmeier, steve mizzare, nathalie pryor, andrew brendes
10. .pdf SBL Update: September 2 09/02/2022 ian ouwerkerk, svp, promotion, underwriting, analyst workshops, optigo academy, new york, dchr, rent rolls, division of housing and community renewal, optigo happy, support number, contact
11. .pdf SBL Update: August 19 08/19/2022 guide updates, rent roll, 30 day submission, property management requirements, third-party management, interactive underwriting checklist, dynamic checklist, msia, guide bulletin, new affordability test
12. .pdf SBL Update: August 5 08/05/2022 affordability test, version 4.8, duty to serve, sbl income and expense comparables, exception request, pmt, pipline management tool, 2022 midyear outlook, optigo analyst workshops
13. .pdf SBL Update: July 29 07/29/2022 cycle times, august 1-19, underwriting turn times, respond promptly, thorough and complete submissions, 12 business days
14. .pdf SBL Update: July 22 07/22/2022 optigo analyst workshops, regional workshop, southeast, northeast, tysons corner, new york city, august, duty to serve, climate resiliency, LIHTC program
15. .pdf SBL Update: July 8 07/08/2022 optigo analyst workshops, central, western, southeast, northeast, Chicago, los angeles, tysons, new york city, july, august
16. .pdf SBL Update: July 1 07/01/2022 optigo analyst workshops, chicago, los angeles, central, western, july, fraud training, praveen akula, underwriting analyst, impact sponsors
17. .pdf SBL Update: June 24 06/24/2022 programmatic exceptions, exception 12, insurance escrow collections removed, optigo analyst workshops, central region registration, chicago, application registration process update, pmt, applications deadline, equal credit opportunity act process change, notification update, nyc rent stabilized units, rent increase, derek mccafferty, tyler pritchard
18. .pdf SBL Update: June 10 06/10/2022 bill woodhouse, central region, 12 day underwriting turn time, optigo analyst workshops, save the dates, your possibilities, our business, impact sponsor award
19. .pdf SBL Update: May 27 05/27/2022 impact sponsor award, open application, 2022 cohort, underwriting team, jessican cohn, new hire, michael fetchet, western region
20. .pdf SBL Update: May 20 05/20/2022 updated affordability test, mission percentage, tips & tricks, may, parking and storage income, student concentration, existing freddie mac loans, delegated inspections, sbl prepayment report, sb-deal
21. .pdf SBL Update: May 13 05/13/2022 new head of multifamily, kevin palmer, steve johnson, interim head of production & sales, underwriting leadership, steve taylor, rick farmer, jessica gonzalez, programmatic exceptions, limited borrower experience, cashout parameters not met, promotions, nathan downey, graham martin, Andrew gillespie, nicole kallstrom
22. .pdf SBL Update: April 29 04/29/2022 new hires, brandon evans, niousha alavi, education series recap, optigo academy
23. .pdf SBL Update: April 22 04/22/2022 sbl education series, webinar, cash-out refiance, short-term value creation, fraud, insurance, guide updates, gaurantor requirements, sbl underwriting checklist, tax abatement, exemption analysis, credit risks, no path forward aid, leah more, promotion
24. .pdf SBL Update: April 15 04/15/2022 sbl education series, webinar, cash-out refinance, short-term value creation, insurance, fraud, new hire, christopher shayan
25. .pdf SBL Update: April 8 04/08/2022 sbl education series, optigo academy, insurance, fraud, cash-out refinances, short-term value creation, pmt reminder, pipeline management tool, antenna and billboard leases, promotions, new hires, max decker, jesse garrett, amy rokosz, parker bryant, multifactor authentication
26. .pdf SBL Update: March 25 03/25/2022 megan felch, underwriting manager, promotions, sbl team, new hire, taylor kelly, alisia walker, kyle bowen, spencer wenzloff, karolina eisenhart, amanda patella, diverse borrower certification
27. .pdf SBL Update: March 11 03/11/2022 tenant advancement, credit building, esusu, credit scores, alex meersman, promotion
28. .pdf SBL Update: Feb. 18 02/18/2022 bank statement requirement, very small markets, guide bulletin updates, rent registration, dynamic checklist, compliant experience, commercial leases, physical risk reports, non-permitted units, multifamily all star, tyrone purdie, gerard smith
29. .pdf SBL Update: Feb. 4 02/04/2022 russell dines, director, north central, western region, impact sponsor award, comunidad, sbl investor presentation, sbl credit changes, new york city, new york
30. .pdf SBL Update: Jan. 28 01/28/2022 marian wasef, sb-deal performance, securitizations, partial b2b submission, inspection scheduling, optigo happy, small talk, dajour young, gpr, nra, gross potential rent, net rentable area
31. .pdf SBL Update: Jan. 14 01/14/2022 kelly haddigan chou, senior director, promotion, top lenders, dajour young, leasing commissions, nyc property taxes, small talk, catherine tobiasen
32. .pdf SBL Update: Jan. 7 01/07/2022 holiday calendar, sbl, partial b2b submissions, inspection scheduling, dms, partial upload, alex meersman, western region, small talk, skyler mohr, optigo happy
TAH Updates
1. .pdf TAH Update 06/18/2024 TAH Update sent on June 18, 2024
2. .pdf TAH Update 05/01/2024 TAH Update sent on May 1, 2024
3. .pdf TAH Update 02/22/2024 TAH Update sent on February 22, 2024
4. .pdf TAH Update 08/07/2023
5. .pdf TAH Update 06/15/2023
6. .pdf TAH Update 05/25/2023 TAH Update sent on May 25, 2023
7. .pdf TAH Update 03/30/2023 TAH Update sent on March 30 ,2023
8. .pdf TAH Update 03/09/2023
9. .pdf TAH Update 01/19/2023
10. .pdf TAH Update 11/15/2022
11. .pdf TAH Update 10/20/2022
12. .pdf TAH Update 09/15/2022
13. .pdf TAH Update 08/04/2022
14. .pdf TAH Update 07/28/2022
15. .pdf TAH Update 03/31/2022
16. .pdf TAH Update 02/17/2022
17. .pdf TAH Update 02/02/2022
18. .pdf TAH Update 09/19/2024 TAH Update sent on September 19, 2024
19. .pdf TAH Update 09/24/2024 TAH Update sent on September 24, 2024
20. .pdf TAH Update 11/19/2024 TAH update sent on November 19, 2024
Tips & Tricks
1. .pdf April 2023 Tips & Tricks - SBL 03/31/2023 tips & tricks, sbl, small balance loans, pmt, pipeline management tool, portfolio, link loans, inspection scheduling, affordable goals, low income, very low income, march
2. .pdf May 2022 Tips & Tricks - SBL 05/20/2022 home share, airbnb, screening, litigation, rush request, underwriting, kitchens, zoning compliance, physical risk report
3. .pdf July 2021 Tips & Tricks - SBL 07/16/2021 loan submission timing, pmt best practices, foreign guarantor, ineligible property examples
4. .pdf March 2021 Tips & Tricks - SBL 03/26/2021 home share, airbnb, screening, litigation, rush request, underwriting, kitchens, zoning compliance, physical risk report
5. .pdf January 2021 Tips & Tricks - SBL 01/13/2021 pre-screens, exceptions, pmt, ppp/eidl, sreo, questionnaire, regulatory agreements, single counsel analysis, application fees, app fees, commitment letter, rate hold days, business days, calendar days,, rate hold calculation, discounts, discount requests, exception requests, loan to cost, ltc, new construction, cost breakdown, hard costs, soft costs, construction fees, general contractor fees, construction management fees, value indication, sbl, small balance loans
6. .pdf December 2020 Tips & Tricks - SBL 12/10/2020 ppp loans, ppp, pre-screen, refinances, pmt, portfolio, sponsor name, borrower name, non-permitted features, preferred equity, mezzanine debt, reverse 1031 exchanges, master lease, mixed-use properties, non-residential, link loans, non-contiguous properties, sbl, small balance loans
7. .pdf November 2020 Tips & Tricks - SBL 11/13/2020 sponsors, search tool, sponsor search, property searches, pre-screens, exceptions, dsr, debt service reserve, dsr reductions, waivers, replacement reserves, single counsel, SREO, net worth, liquidity, value creation support, cash out refinance, cash-out, sbl refinance analysis, pmt, lost deals, new employees, sbl, small balance loans

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Highlighting our Impact on Equitable Housing

Sustainable Investments with Berkshire

Housing Choice Vouchers and Access to Opportunity

10 Years of SBL

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Here, passion meets purpose. Talent meets opportunity. Ambition meets success.

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