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Originate & Underwrite

Our suite of tools and resources are designed to help lenders get business done.

Lender Applications

Whether you are just beginning to originate and underwrite or ready to submit your final delivery package, Freddie Mac Multifamily standards, resources and tools are designed to help you get business done.

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Document Management System

Document Management System (DMS)

Used for storing, managing and retrieving loan documents.

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Origination and Underwriting System

Origination and Underwriting System (OUS)

Allows lenders to automate much of the loan application process, including submitting the Loan Submission Template, and provide loan status information.

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Insurance Compliance Tool

Insurance Compliance Tool (ICT)

Allows lenders to submit insurance coverage documentation and request coverage requirement waivers.

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myOptigo

myOptigo®

Supports lenders who are digitally submitting Conventional and Targeted Affordable Housing loans as well as certain servicing functions.

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Optigo Happy

Optigo Happy®

Allows lenders to digitally fill out inspection forms and lease audits on-site, save pictures and submit data directly to Freddie Mac within the app.

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Multifamily Securities Investor Access

Multifamily Securities Investor Access (MSIA)

Provides users with information related to Multifamily securities, MSCR Notes and their underlying collateral.

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Resources

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Checklists / Guide Exhibits
  1. .xls Interactive Conventional and TAH Cash UW Checklist 08/26/2025
  2. .xls SBL UW Checklist 08/26/2025 login required
  3. .pdf Exhibit 1.1 - Conventional UW Checklist 02/27/2025
  4. .pdf Exhibit 1.25 - TAH Prescreen Package Checklist 04/13/2023 tool tip icon Prescreen Package for Cash Mortgages and Bond Credit Enhancement Mortgages
  5. .pdf Exhibit 1.26 - TAH Cash Mortgage Full UW & Early Rate-Lock Checklist 02/27/2025
  6. .pdf Exhibit 1.29 - TAH Bond CE Mortgage - Full UW Checklist 02/27/2025
  7. .pdf Exhibit 1.30 - TAH Cash Forward Commitment - Full UW Checklist 02/27/2025
  8. .pdf Exhibit 1.31 - TAH Cash Conversion UW Checklist 02/27/2025
  9. .pdf Exhibit 1.32 - TAH Bond CE Forward Commitment - UW Checklist 02/27/2025
  10. .pdf Exhibit 1.33 - TAH Bond CE Conversion UW Checklist 02/27/2025
  11. .pdf Exhibit 2 - Origination Guidelines for TAH Mortgages
  12. .pdf Exhibit 11 - Radon Testing and Mitigation Standards 05/22/2025
  13. .pdf 501(c)(3) Due Diligence Checklist - TAH
Contacts
  1. .pdf SBL - Production Contact List 06/17/2025
  2. .pdf SBL Inspection Contact List 05/08/2025
  3. .pdf SBL Regional Map 05/08/2025
  4. .pdf SBL - Single Counsel Contact List 01/24/2025
  5. .pdf Seniors Housing Contact List 06/13/2024
  6. .pdf SBL - Underwriting Contact List 03/29/2024
Final Delivery Instructions, Delivery Package TOCs, Document Transmittal Form, Bailee Acknowledgment
  1. .doc Bailee Acknowledgment Form for Optigo Lenders and Closing Counsel 04/08/2020
  2. .doc Commitment / Seller Correction - SBL 03/03/2016
  3. .pdf Final Delivery Instructions and Final Delivery Package Table of Contents (for all Mortgages other than SBL and TEL) 07/01/2025
  4. .pdf Final Delivery Instructions and Final Delivery Package Table of Contents - TEL (Conversion) 07/01/2025
  5. .pdf Final Delivery Instructions and Final Delivery Package Table of Contents – SBL 07/01/2025
  6. .pdf Final Delivery Instructions and Final Delivery Package Table of Contents – TEL (Forward) 08/17/2023
  7. .pdf Final Delivery Instructions and Final Delivery Package Table of Contents – TEL (Immediate) 07/01/2025
  8. .pdf MF Document Transmittal Form
  9. .doc Replacement Page Authorization - Non-Recorded Documents 04/15/2020
  10. .doc Title Insurance Policy Amendment Certification 08/17/2023
Inspections
  1. .xls Residential Unit Inspection and Lease Audit Calculator 06/26/2025 tool tip icon This tool does not replace a thorough review of this section of the Guide, as applicable, but can be used as an additional resource. It is not required for use.
  2. .xls TAH Inspection Request Template 06/10/2025
  3. .xls Property Inspection and Lease Audit 11/25/2024
  4. .xls SBL Inspection Request Template 08/30/2024
  5. .doc SBL Inspection Questionnaire 07/25/2024
  6. .pdf SBL Inspection Scheduling Process 05/09/2024
  7. .pdf SBL Partial B2B Submission and Inspection Scheduling 05/08/2024
  8. .pdf TAH Inspection Scheduling Process Memo 06/15/2023
LIHTC Equity
  1. .xls Freddie Mac Prescreen Form 09/17/2025 tool tip icon LIHTC Equity, Targeted Affordable Housing
  2. .xls Prospective Deal Screening Form 09/17/2025 tool tip icon Template for screening prospective lihtc equity deals
  3. .zip Operating Partnership and Operating Partnership Principal Certificate (Form 1115) - 07/01/2025 07/01/2025 tool tip icon LIHTC equity, LIHTC, targeted affordable housing
  4. .xls UGEM Summary 09/11/2025 tool tip icon LIHTC Equity, Targeted Affordable Housing
  5. .xls Due Diligence Checklist 06/14/2024 tool tip icon LIHTC Equity, Targeted Affordable Housing
  6. .doc Construction Consultant LIHTC Equity - Minimum Qualifications 10/19/2022 tool tip icon targeted affordable housing, LIHTC, LIHTC equity
  7. .xls Equivalent Experience Expertise Certification 10/18/2022 tool tip icon LIHTC Equity, Targeted Affordable Housing
  8. .doc Site Visit Guidelines 09/26/2022 tool tip icon LIHTC Equity, Targeted Affordable Housing
  9. .doc Radon Rider 02/01/2019
Loan Sizing Resources
  1. .xls SBL - Market Tier Adjustments by County 04/17/2025
  2. .xls SBL - Tenant Improvements/Leasing Commissions (TI/LC) Calculator 04/15/2025
  3. .xls SBL - Income and Expense Comparables (Excel 2013 and earlier) 01/01/2025 login required
  4. .xls SBL - Income and Expense Comparables (Excel 2016) 01/01/2025 login required
  5. .xls SBL - Market Tiering 01/19/2024 login required
  6. .doc SBL Portfolio Narrative Form 05/09/2024
  7. .xls Portfolio Rollup Template - SBL 01/28/2021
Loan, Locks & Products
  1. .pdf Index Lock Frequently Asked Questions 05/22/2025
  2. .pdf Index Lock Overview 05/22/2025
  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 Interest Rate Cap Options for Floating-Rate Cash Loans 05/22/2025
  11. .pdf Supplemental Loans: Top 10 Tips 02/09/2016
  12. .pdf Comparison of Fixed-Rate Note (Defeasance) to Floating-Rate Note 05/08/2014
  13. .pdf Comparing our Securitization and Portfolio Executions - TAH 03/19/2014
  14. .pdf Loan Agreement - Benefits for Borrowers - At-A-Glance 05/31/2013 login required
Narrative
  1. .doc SBL Mortgage Transaction Narrative Boilerplate 08/13/2025 tool tip icon 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 Underwriting Boilerplate 08/13/2025
  3. .pdf SBL Asset Summary Report Sample 04/22/2016 tool tip icon A model of a typical SBL Asset Summary Report
  4. .doc Seniors Housing Narrative for Quote 01/30/2015
Numbered Guide Forms
  1. .html Multifamily Annual Certification Report (Form 16M) 05/21/2022 tool tip icon 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. login required
  2. .html Multifamily Annual Certification Report - Structured Transaction & Tax-Exempt Bond Seller/Servicers (Form 17M) 05/13/2022 tool tip icon 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. login required
  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) 05/22/2025
  28. .zip Green Report (Form 1106) 12/14/2023
  29. .zip Multifamily Seller/Servicer Change Notification (Form 1107M) 06/13/2024 tool tip icon To view this form, download and open the form in Adobe Reader
  30. .xls Physical Risk Report (Form 1108) 08/26/2025 tool tip icon 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 tool tip icon 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. login required
  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. .xls Real Estate Schedule (Form 1116) 08/26/2025
  35. .xls Student Housing Questionnaire (Form 1120)
  36. .pdf Borrower Application for Partial Release or Easement (Form 1125)
  37. .pdf Acknowledgement of Property Improvement Alterations (Form 1126)
  38. .html Seller/Servicer Certification of Insurance Coverage (Form 1133) tool tip icon 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.
  39. .pdf Hazard Loss Notification and Plan (Form 1140) 09/14/2023
  40. .pdf Hazard Loss Disbursement Request (Form 1140-DR) 09/14/2023
  41. .xls Multifamily Principal & Interest Custodial Account Reconciliation Worksheet (Form 1143)
  42. .pdf Verification of Collections (Form 1144)
  43. .pdf System Administrator Add/Update/Remove Request (Form 1146) 08/26/2025 tool tip icon To view this form, download and open the form in Adobe Reader login required
  44. .pdf System User Verification and Certification (Form 1148) 08/26/2025
  45. .pdf System Administrator Verification and Certification (Form 1149) 08/26/2025
  46. .pdf Wire Transfer Authorization - Non-Warehoused Mortgage (Form 1150)
  47. .zip Green Retrofits Certification (Form 1209)
  48. .xls Forward Commitment Monitoring Report (Form 5150)
  49. .pdf Waiver of 50-page Limit for SBL Appraisal (Form 6011)
  50. .pdf Employer Enabled Permanent Supportive Housing Borrower Certification (Form 1134) 08/15/2024
  51. .pdf Transfer of Securitized Servicing Agreement (Form 983M) 08/15/2024
  52. .xls Property Condition Assessment (Form 1105) 08/26/2025
  53. .xls SBL Physical Risk Report (Form 1104) 08/26/2025
  54. .zip Potential Fraud Tip Reporting (Form 1129) 02/27/2025
  55. .zip Borrower and Key Borrower Principal Certificate (Form 1115) - 07/01/2025 07/01/2025
Org Chart, KYC, Due Diligence Search Resources
  1. .pdf Public Records Search Requirements 04/22/2025
  2. .doc Web Search Tool 11/25/2024 login required
  3. .pdf Customer Due Diligence Search Tips 07/25/2023 login required
  4. .pdf Borrower Due Diligence FAQs 05/04/2023
  5. .pdf Borrower Due Diligence Updates - Presentation Deck 04/13/2023
  6. .html Organizational Chart - Interactive Guidance 04/13/2023
  7. .pdf Organizational Chart Guidance 11/22/2021
  8. .pdf Know Your Customer Webinar Deck 09/28/2018 login required
Property Condition and Environmental Site Assessments
  1. .html Green Benchmarking and Utility Resources
  2. .xls Report Review Aid for SBL Physical Risk Reports 09/08/2025
  3. .xls Report Review Aid for Environmental Reports 05/23/2025
  4. .xls Report Review Aid for Property Condition Reports 09/08/2025
  5. .pdf Property Condition and Environmental Reports Best Practices 05/23/2025
  6. .xls Equivalent Experience and Expertise Certificate 03/02/2018 tool tip icon 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. login required
References & Tools
  1. .pdf Freddie Mac K Series – Historical A2/A Bond Spreads 09/15/2025
  2. .pdf Servicing Spreads - Conventional and TAH 07/23/2025 login required
  3. .pdf Qualifications of Seniors Housing Liability Assessment Professional 07/18/2025
  4. .pdf SBL Refinance & Short-term Growth Analysis 07/18/2025
  5. .pdf SBL - Programmatic Exception List 06/30/2025 login required
  6. .pdf Multifamily Market Ratings for Markets Predicted to Perform Significantly Below Average 06/02/2025 login required
  7. .pdf DMS Job Aid for Uploading Adverse Action Notices 05/27/2025
  8. .pdf Adverse Action Notices FAQs 05/27/2025
  9. .pdf SBL Link Eligibility Map 05/09/2025 login required
  10. .pdf SBL - OUS Data Fields Checklist 05/09/2025 login required
  11. .doc Optigo® Lender's Fee Certification – Conventional & Targeted Affordable 05/07/2025
  12. .pdf SBL Tax Abatement Guidance 04/21/2025 login required
  13. .html myOptigo Loan Classification Training 04/18/2025
  14. .xls SBL - Commercial Lease Analysis and Estoppel 04/15/2025
  15. .pdf Certification of Compliance: Properties Affected by California Wildfires in January 2025 02/19/2025
  16. .html February 2025 Guide Training 02/18/2025 login required
  17. .pdf Originate & Underwrite Page Best Practices 02/04/2025
  18. .pdf SBL - Certificate of Occupancy Guidance 02/04/2025
  19. .pdf SBL - Kitchen and Tenant-Owned Appliances Requirements 02/04/2025
  20. .pdf SBL - PMT Job Aid Prescreen & Exception Form 02/04/2025
  21. .pdf SBL Pricing Grid Explanation 02/04/2025 login required
  22. .pdf SBL Collections Guidance 01/24/2025 login required
  23. .pdf SBL Link Loan FAQs 01/24/2025 tool tip icon SBL Link Loan FAQs
  24. .pdf SBL - IRA Ownership Structure Guidance 01/24/2025
  25. .pdf SBL Litigation Analysis Guidance 01/08/2025
  26. .pdf SBL - Tenant-in-Common Borrowers - Minimum Requirements 01/08/2025
  27. .pdf Priority Repair Remediation Plan Guidance 12/12/2024
  28. .pdf SBL Priority Repair and Escrow Guidance 12/12/2024
  29. .pdf Emerging Correspondent Definitions 11/08/2024
  30. .pdf Multifamily Minute: Emerging Correspondent Relaunch 11/08/2024 login required
  31. .xls SBL - Tax Abatement Cash Flow Analysis Template 10/18/2024 login required
  32. .pdf SBL Rate Buydowns 09/25/2024 login required
  33. .pdf August 2024 Guide Training 08/08/2024 login required
  34. .doc Borrower Certification of Property Condition - Weather Events 07/18/2024
  35. .pdf April 2024 Guide Training 04/12/2024 login required
  36. .pdf Credit Risks & No Path Forward Aid - SBL 04/12/2024 login required
  37. .pdf Broker/Correspondent Policy FAQs 02/14/2024 tool tip icon These FAQs are to be read in connection with the Broker/Correspondent provisions set forth in the
    Multifamily Seller/Servicer Guide, Section 3.15.     login required
  38. .pdf NY Substantial Rehabilitation Guidance & Prescreen Requirements 02/09/2024 tool tip icon New York State, Substantial Rehabilitation Guidance, Prescreen Requirements login required
  39. .doc Index Lock Certification for Broker/Correspondent Loans 12/08/2023 tool tip icon Index Lock Certification, Form, Broker and Correspondent Loans, Multifamily
  40. .pdf Seismic – Determining a PGA Using the USGS Tool 12/01/2022
  41. .pdf Moisture Management Plan Handbook 09/20/2022 tool tip icon Freddie Mac requirements for mold and moisture management and mitigation. login required
  42. .pdf MHC Tenant Protections Update Training 04/25/2022
  43. .pdf Age Restricted Loan Processing Guidance 03/02/2022
  44. .pdf SBL PMT 8.4 Job Aid 10/07/2021
  45. .doc CARES Act Borrower Reminder Notice (Origination) 08/03/2021 login required
  46. .pdf Elevated Seismic Hazard Region Map 06/10/2021
  47. .pdf Providing a Better Loan Assumption Process for Borrowers 05/20/2021
  48. .pdf Seniors Housing Quote Memo Guidance 12/22/2020
  49. .pdf Understanding Tax Abatements 11/24/2020
  50. .xls Rent Roll Template 10/01/2020
  51. .pdf Equity Conflicts of Interest Determination Chart 06/25/2020
Requests & Approvals
  1. .xls SBL - Prescreen and Exception Request Form 06/30/2025
  2. .doc SBL - Full Package Submission Template 12/01/2023
  3. .pdf TAH Conflicts Check – Transaction Parties and Details 11/03/2022
  4. .xls TAH Cash Quote Request Form 01/22/2022
  5. .xls TAH Bond Quote Request Form 01/21/2022
  6. .pdf Counterparty Approval Request
  7. .pdf Geographical Waiver Request
  8. .pdf Certification Regarding Payment of Fees and Expenses of Freddie Mac's Outside Legal Counsel - TAH
  9. .zip Exception Request - TAH login required
  10. .zip LIHTC Syndicator Approval Request login required
  11. .doc Prescreen Executive Summary -TAH 07/15/2014 login required
  12. .xls Forward Commitment Quarterly Report - TAH 05/07/2014 login required
  13. .pdf Construction Monitoring - TAH 05/21/2013 tool tip icon Tips for monitoring both new construction and substantial rehab projects that are delivered as Forward Commitments. login required
  14. .pdf Prior Approval: Criteria for Monitoring Construction of Forward Commitments - TAH 10/01/2009 login required
2025 SBL Updates
  1. .pdf SBL Update: August 29 08/29/2025 tool tip icon New Guide Bulletin, Underwriting Checklist, Labor Day Holiday login required
  2. .pdf SBL Update: August 22 08/22/2025 tool tip icon SBL Application Fees, SBL Application Fee Wire Transfer Instructions, DHCR Rent Roll login required
  3. .pdf SBL Update: August 8 08/08/2025 tool tip icon LTV, Underwriting Value, Guide Chapter 10.18, Multifamily Seller/Servicer Guide, Impact Sponsor, Optigo Academy login required
  4. .pdf SBL Update: July 18 07/18/2025 tool tip icon insurance update, Guide Chapter 31, Guide Bulletin, Multifamily All Star, Megan Felch, underwriting login required
  5. .pdf SBL Update: July 11 07/11/2025 login required
  6. .pdf SBL Update: June 27 06/27/2025 tool tip icon SBL Prescreen & Exception Request Form, SBL Programmatic Exceptions List, Guide Bulletin, Multifamily Seller/Servicer Guide login required
  7. .pdf SBL Update: June 20 06/20/2025 tool tip icon PMT, pipeline management tool, SBL Production Contact List, Originate & Underwrite webpage login required
  8. .pdf SBL Update: June 6 06/06/2025 tool tip icon liquidity, sponsors, guide, Guide Section 55SBL.2 login required
  9. .pdf SBL Update: May 30 05/30/2025 tool tip icon Affordability Test, guide, Multifamily Seller/Servicer Guide, boilerplate, Physical Risk Report, PRR, home sharing login required
  10. .pdf SBL Update: May 9 05/09/2025 tool tip icon region, guide, Multifamily Seller/Servicer Guide, Impact Sponsor, market tier login required
  11. .pdf SBL Update: April 25 04/25/2025 tool tip icon New Guide Bulletin, SBL Application Fees login required
  12. .pdf SBL Update: April 18 04/18/2025 tool tip icon NYC FHEPS Vouchers, Market Tier Changes, Team Promotions login required
  13. .pdf SBL Update: March 14 03/14/2025 tool tip icon Optigo Essentials: SBL Workshop, Photo Album, LinkedIn, SBL Legal Counsel Fees login required
  14. .pdf SBL Update: Feb. 28 02/28/2025 tool tip icon See You Next Week, Optigo Essentials: SBL Workshop, New Guide Bulletin login required
  15. .pdf SBL Update: Feb. 7 02/07/2025 tool tip icon Register Now, Optigo Essentials: SBL, SBL Single Counsel Origination List, Updated SBL I&E Engine login required
  16. .pdf SBL Update: Jan. 17 01/17/2025 tool tip icon Save the Date, Optigo Essentials SBL Workshop, Liability Insurance Coverage, New Guidance on Priority Repairs login required
2025 Multifamily Minutes
  1. .pdf Multifamily Minute: Lease Up 09/10/2025 tool tip icon lease-up, borrow-up, Lease-Up Loans login required
  2. .pdf MF Minute: Midyear Update 07/10/2025 tool tip icon midyear update, floating-rate loans, lease-up, Index Lock, preferred equity investments, long-term financing login required
  3. .pdf MF Minute: Impact Sponsors 06/26/2025 tool tip icon Impact Sponsors login required
  4. .pdf MF Minute: Manufactured Housing Communities Update 06/02/2025 tool tip icon mhc, manufactured housing login required
  5. .pdf MF Minute: Floaters & Enhanced Servicing on Lender Pref. Equity 05/21/2025 tool tip icon floating-rate options, floating rate, preferred equity login required
  6. .pdf MF Minute: Student Housing Update 04/23/2025 tool tip icon student housing login required
  7. .pdf MF Minute: Credit Approach Update 04/01/2025 tool tip icon execution speed, longer duration, interest only login required
  8. .pdf MF Minute: Long-Term Financing 03/18/2025 tool tip icon Portfolio Management with LTF and TLC, Flexible Long-term Financing, Transitional Line of Credit login required
  9. .pdf MF Minute: Broker/Correspondents and HFCs/PFCs Update 03/05/2025 tool tip icon Broker/Correspondent Guide Updates, Lender Fee Certification, HFCs and PFCs, Conventional Business login required
  10. .pdf MF Minute: The Talk at MBA CREF 02/21/2025 tool tip icon MBA CREF, MBA CREF Takeaways, Lender Dashboard, Index Lock, Conventional Business login required
  11. .pdf MF Minute: Takeaways from NMHC 02/05/2025 tool tip icon NMHC Takeaways, NMHC Conference, Fixed Rate, Floating Rate, Supply and Demand login required
  12. .pdf MF Minute: 2024 Top Lenders 01/22/2025 tool tip icon 2024 Highlights, 2024 Top Lenders, Top Lenders by Volume, Mission Makers login required
2024 SBL Updates
  1. .pdf 01/05/2024: SBL Update 01/05/2024 tool tip icon 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 tool tip icon 2023 Top Lenders, SBL I&E Comparables Engine
  4. .pdf 02/09/2024: SBL Update 02/09/2024 tool tip icon NY Substantial Rehabilitation Law, substantial rehabilitation, Multifamily Research Page
  5. .pdf 02/16/2024: SBL Update 02/16/2024 tool tip icon Underwriting Appraisal Checklist, Web Search Tool, Presidents Day
  6. .pdf 02/23/2024: SBL Update 02/23/2024 tool tip icon SBL Appraisal Webinar, New Guide Updates
  7. .pdf 03/08/2024: SBL Update 03/08/2024 tool tip icon Optigo Essentials: SBL Workshop, New Affordability Test, New Resident-Centered Housing Features Resource
  8. .pdf 03/15/2024: SBL Update 03/15/2024 tool tip icon Optigo Essential: SBL Workshop
  9. .pdf 03/22/2024: SBL Update 03/22/2024 tool tip icon Optigo® Essentials: SBL Workshop, New Affordability Test
  10. .pdf 03/29/2024: SBL Update 03/29/2024 tool tip icon Optigo Essentials SBL Workshop, Multifamily All Star, Promotions
  11. .pdf 04/12/2024: SBL Update 04/12/2024 tool tip icon Hybrid Loan Products, Originate & Underwrite, Credit Risks Update, Optigo® Essentials: SBL Workshop
  12. .pdf 04/19/2024: SBL Update 04/19/2024 tool tip icon Seller/Servicer Guide, Updated SBL I&E Comparables Engine, Optigo® Essentials: SBL Workshop
  13. .pdf 04/26/2024: SBL Update 04/26/2024 tool tip icon Optigo® Essentials: SBL Workshop, 5- & 7-year Hybrid Loan Products
  14. .pdf 05/24/2024: SBL Update 05/24/2024 tool tip icon New Affordability Test, Memorial Day
  15. .pdf 05/31/2024: SBL Update 05/31/2024 tool tip icon Programmatic Exceptions Update, Low-Income Units in PMT, Resident-Centered Housing
  16. .pdf 06/07/2024: SBL Update 06/07/2024 tool tip icon Physical Risk Report, SBL Mortgage Transaction Narrative
  17. .pdf 06/14/2024: SBL Update 06/14/2024 tool tip icon New Guide Updates, SBL Rate Buydowns
  18. .pdf 06/21/2024: SBL Update 06/21/2024 tool tip icon Updates to Temporary Exceptions, SBL Rate Buydowns, Certified Liquidity Documentation
  19. .pdf 06/28/2024: SBL Update 06/28/2024 tool tip icon Underwritten Vacancy Rates, Develop the Developer, Independence Day
  20. .pdf 07/26/2024: SBL Update 07/26/2024 tool tip icon Updated SBL Inspection Questionnaire, Organizational Chart Guidance, 2024 Midyear Multifamily Outlook
  21. .pdf 08/02/2024: SBL Update 08/02/2024 tool tip icon SBL Loan Agreement and Commitment Updates, SBL Inspection Questionnaire, 2024 Midyear Multifamily Outlook
  22. .pdf 08/09/2024: SBL Update 08/09/2024 tool tip icon Rate Buydown Option in Pipeline Management Tool, SBL Loan Applications
  23. .pdf 08/16/2024: SBL Update 08/16/2024 tool tip icon 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 tool tip icon SBL Team Promotions, Production & Sales, Underwriting & Credit
  25. .pdf 08/30/2024: SBL Update 08/30/2024 tool tip icon Freddie Mac Delegated Inspections, Labor Day
  26. .pdf 09/06/2024: SBL Update 09/06/2024 tool tip icon Optigo Happy® Inspection Ratings, Freddie Mac Delegated Inspections
  27. .pdf 07/12/2024: SBL Update 07/12/2024 tool tip icon SBL Midyear Lender Call, Q&A, Multifamily Seller/Servicer Guide
  28. .pdf 09/13/2024: SBL Update 09/13/2024 tool tip icon Volume and Cycle Times, Health and Wellness Services
  29. .pdf 09/20/2024: SBL Update 09/20/2024 tool tip icon Small Balance Loan (SBL) Request a Quote, DHCR Rent Roll Requirements
  30. .pdf 10/04/2024: SBL Update 10/04/2024 tool tip icon Hurricane Helene Guidance, 2024 Business Deadlines
  31. .pdf 10/11/2024: SBL Update 10/11/2024 tool tip icon Hurricane Milton Guidance, Borrower Certification of Weather-Related Event
  32. .pdf 11/08/2024: SBL Update 11/08/2024 tool tip icon Updates to Temporary Exceptions, Year-End Closing Update, Business Deadlines, 10 Years of SBL
  33. .pdf 11/22/2024: SBL Update 11/22/2024 tool tip icon 2025 Lending Cap, 2025 Sponsor Cohorts, Resident-Centered Housing Features
  34. .pdf 12/13/2024: SBL Update 12/13/2024 tool tip icon New Guide Updates, Affordability Test, Loan Submission Template
  35. .pdf SBL Update: Feb 16 02/16/2024 tool tip icon Underwriting Appraisal Checklist, Web Search Tool, Presidents Day login required
TAH Updates
  1. .pdf TAH Update 02/14/2025 tool tip icon TAH Update sent on February 14, 2025 login required
  2. .pdf TAH Update 11/19/2024 tool tip icon TAH update sent on November 19, 2024
  3. .pdf TAH Update 09/24/2024 tool tip icon TAH Update sent on September 24, 2024
  4. .pdf TAH Update 09/19/2024 tool tip icon TAH Update sent on September 19, 2024
  5. .pdf TAH Update 06/18/2024 tool tip icon TAH Update sent on June 18, 2024
  6. .pdf TAH Update 05/01/2024 tool tip icon TAH Update sent on May 1, 2024
  7. .pdf TAH Update 02/22/2024 tool tip icon TAH Update sent on February 22, 2024
  8. .pdf TAH Update 06/15/2023
  9. .pdf TAH Update 06/26/2025 tool tip icon TAH Update sent on June 26, 2025
Tips & Tricks
  1. .pdf April 2023 Tips & Tricks - SBL 03/31/2023 tool tip icon 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 tool tip icon home share, airbnb, screening, litigation, rush request, underwriting, kitchens, zoning compliance, physical risk report
  3. .pdf March 2021 Tips & Tricks - SBL 03/26/2021 tool tip icon home share, airbnb, screening, litigation, rush request, underwriting, kitchens, zoning compliance, physical risk report
  4. .pdf January 2021 Tips & Tricks - SBL 01/13/2021 tool tip icon 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

Additional Materials

Guide and Forms

Access our Guide forms used in selling and servicing processes, along with our Guide Bulletin archive.

Learn MoreGuide and Forms

Appraisals

Appraisers can find requirements and helpful resources to support their writing of appraisal reports.

Insurance

Learn more about Freddie Mac Multifamily's insurance compliance requirements and resources.

Get to Know our Team

Find the directory of Freddie Mac Multifamily’s production and underwriting staff, with the ability to filter by region and business line.

Supplemental Documents

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DMS

Other Resources

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