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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.

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

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Origination and Underwriting System

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Document Management System

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Insurance Compliance Tool

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Seller/Servicer Guide

Resources

Appraisals
1. .pdf Additional Appraisal Requirements Memorandum 02/07/2023
2. .pdf Words of Concern 12/08/2022 Multifamily Words of Concern list
3. .html Contact: Multifamily Appraisal Mailbox
4. .pdf Appraisal Development: Freddie Mac Multifamily Guide (Chapter 60)
5. .xls Appraisal Development: Multifamily Appraisal Requirements Checklist 05/03/2023
6. .pdf Appraisal Review: Top 25 Ways to Improve Appraisal Review Scores 02/17/2021
7. .pdf Appraisal Review: Top 5 Appraisal Review Observations 08/06/2019
8. .pdf Guidance: Consideration of Fire Damage or Other Insurance Proceeds in Appraisals 06/03/2022
9. .pdf Guidance: Modeling Potential Gross Income — Actual rents vs Market rents 06/03/2022
10. .pdf Guidance: Development of Capitalization Rates — Proforma vs T-12 06/03/2022
11. .pdf Guidance: Multifamily Appraisal FAQs 05/22/2020
12. .pdf Guidance: Property Taxes in a Freddie Mac Appraisal 06/03/2022
13. .pdf Guidance: Real Estate Appraisals Best Practices 06/04/2021 Common issues and best practices for real estate appraisals
14. .pdf Guidance: Validating Large Value Increases Over a Short Time 06/03/2022
15. .pdf Guidance: Valuing Non-Stabilized Multifamily Properties 06/03/2022
16. .pdf Presentation: Appraisal Forum — February 2022 02/24/2022
17. .pdf Report Writing: SBL Appraisals — 50 Pages 08/06/2019
18. .pdf Report Writing: TAHX Appraisals — 75 Pages 08/06/2019
Archived
1. .html SBL Archived Documents 05/18/2022
Checklists / Guide Exhibits
1. .pdf Exhibit 11 - Radon Testing and Mitigation Standards
2. .pdf 501(c)(3) Compliance Checklist Mortgage Purchase Eligibility - TAH 11/15/2016
3. .pdf 501(c)(3) Due Diligence Checklist - TAH 05/15/2022 Use when funding for the transaction is from tax-exempt bonds whose exemption is based on the status of the borrower under 501(c)(3) of the Internal Revenue Code.
4. .pdf Exhibit 1.1 Conventional UW Checklist Updated 4/13/23
5. .pdf Exhibit 1.25 TAH - Prescreen Package Checklist Updated 4/13/23. Prescreen Package for Cash Mortgages and Bond Credit Enhancement Mortgages
6. .pdf Exhibit 1.26 TAH - Cash Mortgage Full UW & Early Rate-Lock Checklist Updated 4/13/23
7. .pdf Exhibit 1.29 TAH - Bond CE Mortgage - Full UW Checklist Updated 4/13/23
8. .pdf Exhibit 1.30 TAH - Cash Forward Commitment - Full UW Checklist Updated 4/13/23
9. .pdf Exhibit 1.31 TAH - Cash Conversion UW Checklist Updated 4/13/23
10. .pdf Exhibit 1.32 TAH - Bond CE Forward Commitment - UW Checklist Updated 4/13/23
11. .pdf Exhibit 1.33 TAH - Bond CE Conversion UW Checklist Updated 4/13/23
12. .pdf Exhibit 2 Origination Guidelines for TAH Mortgages
13. .xls Interactive Conventional and TAH Cash UW Checklist Updated 4/13/23
14. .xls SBL UW Checklist Updated 4/13/23
Contacts
1. .pdf Underwriting Contact List - SBL 05/30/2023
2. .pdf Production Contact List - SBL 05/30/2023
3. .pdf Inspection Contact List - SBL 06/30/2021
4. .pdf Freddie Mac SBL Regional Map 02/21/2020
5. .pdf Single Counsel Contact List - SBL 01/07/2020
COVID-19 Resources
1. .pdf COVID-19 DSR & Credit Update - SBL 05/28/2021
2. .pdf COVID-19 DSR Release FAQs 12/13/2021
3. .pdf COVID-19 DSR Release Overview - Conventional and Specialty 08/01/2022
4. .pdf COVID-19 DSR Release Overview - SBL 12/13/2021
5. .pdf SBL Collections Guidance 11/01/2021
6. .doc CARES Act Borrower Reminder Notice (Origination) 08/03/2021
7. .pdf COVID-19 DSR & Credit May Update - Conventional/TAH 05/19/2021
8. .pdf Collections Guidance 08/01/2022
9. .pdf COVID-19 DSR Update - Conventional/TAH 03/12/2021
10. .xls Seniors Housing COVID-19 Tracking Sheet 12/22/2020
11. .doc Borrower Certification of Property Condition - SBL 05/29/2020
12. .pdf Borrowers Forbearance - SBL 05/15/2020
LIHTC Equity
1. .doc Construction Consultant LIHTC Equity - Minimum Qualifications 10/19/2022 targeted affordable housing, LIHTC, LIHTC equity
2. .xls Due Diligence Checklist 10/25/2022 LIHTC Equity, Targeted Affordable Housing
3. .xls Equivalent Experience Expertise Certification 10/18/2022 LIHTC Equity, Targeted Affordable Housing
4. .xls Screening Form 11/17/2022 LIHTC Equity, Targeted Affordable Housing
5. .doc Site Visit Guidelines 09/26/2022 LIHTC Equity, Targeted Affordable Housing
6. .xls UGEM Summary 09/26/2022 LIHTC Equity, Targeted Affordable Housing
Loan Sizing Resources
1. .xls Income and Expense Comparables - SBL (Excel 2013 and earlier) 05/01/2023
2. .xls Income and Expense Comparables - SBL (Excel 2016) 05/01/2023
3. .xls Market Tiering for SBL 12/02/2021
4. .doc Portfolio Narrative Form - SBL 10/23/2020
5. .xls Portfolio Rollup Template - SBL 01/28/2021
6. .pdf Economic Underwritten Vacancy Guidance in Identified Submarkets - SBL 08/14/2018
7. .pdf Extended Delivery Path - SBL 08/07/2017
8. .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 Origination Guidelines for TAH 09/01/2016
12. .pdf Interest Rate Cap Options for Floating-Rate Cash Loans 02/19/2016
13. .pdf Supplemental Loans: Top 10 Tips 02/09/2016
14. .pdf Defeasance: An Attractive Alternative to Yield Maintenance 05/20/2015
15. .pdf Comparison of Fixed-Rate Note (Defeasance) to Floating-Rate Note 05/08/2014
16. .pdf Comparing our Securitization and Portfolio Executions - TAH 03/19/2014
17. .pdf Loan Agreement - Benefits for Borrowers - At-A-Glance 05/31/2013
Narrative
1. .doc Underwriting Boilerplate 03/14/2023
2. .doc Mortgage Transaction Narrative - Best Practices - SBL 09/07/2022 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.
3. .doc Seniors Housing Narrative for Quote 01/30/2015
Numbered Guide Forms
1. .html Form 16M: Multifamily Annual Certification Report 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 Form 17M: Multifamily Annual Certification Report - Structured Transaction & Tax-Exempt Bond Seller/Servicers 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 Form 104: Loan and Real Estate Owned (REO) Expenses and Income
4. .pdf Form 483M: Wire Transfer Authorization
5. .pdf Form 921: Letter of Credit - SBL Certification
6. .pdf Form 981M: Transfer of Servicing Agreement
7. .pdf Form 987M: Wire Transfer Authorization - Cash Warehouse Delivery
8. .pdf Form 988M: Multifamily Certificate of Authorized Representative
9. .pdf Form 989M: Multifamily Certificate of Corporate Secretary
10. .pdf Form 990M: Certificate of Limited Liability Company Secretary/Authorized Representative
11. .pdf Form 996M: Warehouse Lender Release of Security Interest
12. .zip Form 1028: Value-Add Monitoring
13. .xls Form 1056: Reserves Held in Custodial Accounts
14. .pdf Form 1057A: Letter Agreement for Securities Custodial Account for Tax-exempt Bond Transactions 10/20/2022
15. .pdf Form 1057: Letter of Agreement for Servicer's Principal and Interest of P&I Disbursement Clearing Custodial Account 12/15/2022
16. .pdf Form 1058: Letter Agreement for Servicer's Reserve Custodial Account 10/20/2022
17. .pdf Form 1059: Letter of Agreement for Principal and Interest, or P&I Disbursement Clearing Custodial Account 12/15/2022
18. .pdf Form 1060: Letter Agreement for Reserve Custodial Account 10/20/2022
19. .pdf Form 1061: Certificate of Incumbency and Authority To Draft Against Custodial Accounts
20. .pdf Form 1061A: Certificate of Incumbency and Authority To Draft Against Securities Custodial Accounts
21. .pdf Form 1062: Sight Draft
22. .pdf Form 1063: Notice Letter - Alternative CE Bond Billing Procedure
23. .pdf Form 1065M: Report of IRS Form 1099-A and 1099-C Filings 10/21/2021
24. .pdf Form 1101: Legal Referral Form
25. .zip Form 1102: Seismic Risk Assessment Summary
26. .zip Form 1103: Environmental Site Assessment
27. .zip Form 1104: SBL Physical Risk Report 12/15/2022
28. .zip Form 1105: Property Condition Assessment 12/15/2022
29. .zip Form 1106: Green Report
30. .pdf Form 1107M: Multifamily Seller/Servicer Change Notification 08/26/2021 To view this form, download and open the form in Adobe Reader
31. .zip Form 1108: Physical Risk Report 12/15/2022 Use this physical risk report for Conventional and Targeted Affordable Housing Loans
32. .html Form 1110M: Multifamily Annual Certification Report - Servicer Only 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.
33. .pdf Form 1114: Certification - Organizational Chart
34. .pdf Form 1115 SBL: SBL-Borrower and Key Borrower Principal Certificate 04/13/2023
35. .pdf Form 1115: Borrower and Key Borrower Principal Certificate 04/13/2023
36. .xls Form 1116: Real Estate Schedule 04/13/2023
37. .xls Form 1120: Student Housing Questionnaire
38. .pdf Form 1125: Borrower Application for Partial Release or Easement
39. .pdf Form 1126: Acknowledgement of Property Improvement Alterations 04/15/2021
40. .html Form 1133: Seller/Servicer Certification of Insurance Coverage 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.
41. .pdf Form 1140: Hazard Loss Notification and Plan
42. .pdf Form 1140-DR: Hazard Loss Disbursement Request
43. .xls Form 1143: Multifamily Principal & Interest Custodial Account Reconciliation Worksheet
44. .pdf Form 1144: Verification of Collections
45. .pdf Form 1146: System Administrator Add/Update/Remove Request To view this form, download and open the form in Adobe Reader
46. .pdf Form 1148: System User Verification and Certification 04/15/2021
47. .pdf Form 1149: System Administrator Verification and Certification
48. .pdf Form 1150: Wire Transfer Authorization - Non-Warehoused Mortgage
49. .zip Form 1209: Green Retrofits Certification 06/17/2021
50. .xls Form 5150 - Forward Commitment Monitoring Report
51. .pdf Form 6011: Waiver of 50-page Limit for SBL Appraisal
Org Chart, AML, OFAC, Fraud Resources
1. .pdf Borrower Due Diligence FAQs 05/04/2023
2. .pdf Borrower Due Diligence Updates - Presentation Deck 04/13/2023
3. .doc Web Based Negative News Search Tool 03/22/2022
4. .pdf Organizational Chart Guidance 11/22/2021
5. .html Organizational Chart - Interactive Guidance 04/13/2023
6. .zip Web Based Negative News Search Tool (2019) 10/16/2019
7. .pdf Know Your Customer Webinar Deck 09/28/2018
Property Condition and Environmental Site Assessments
1. .pdf 2023 Enterprise Multifamily Radon Policy 01/19/2023
2. .pdf Multifamily Radon Policy FAQs 01/19/2023
3. .xls Report Review Aid for SBL Physical Risk Reports 02/24/2023
4. .html Form 1105 JSON Schema 12/15/2022
5. .xls Form 1105 Mapping Workbook 12/15/2022
6. .html Form 1105 Sample JSON Payload 12/15/2022
7. .xls Report Review Aid for Environmental Reports 02/16/2023
8. .zip Report Review Aid for Property Condition Reports 05/13/2021
9. .html Property Condition Assessment Submission in myOptigo 03/01/2021
10. .doc myOptigo PCA User Guide - Third-Party Consultants 02/14/2023 Third-party consultants should use this user guide for help on submitting reports in myOptigo
11. .pdf Form 1105 JSON Data Supplement User Guide 09/30/2020
12. .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.
13. .pdf Property Condition and Environmental Reports Best Practices 02/16/2023
References & Tools
1. .pdf Cash-Out Refinance and Commercial Income Memo - SBL 02/17/2023
2. .pdf SBL Holiday Calendar 01/13/2023
3. .pdf SBL Link Loan FAQs 12/02/2022 SBL Link Loan FAQs
4. .pdf SBL Inspection Scheduling Process 11/04/2022
5. .pdf Link Eligibility Map 11/01/2022
6. .pdf Tenant In Common - Borrower Minimum Requirements - SBL 10/04/2022
7. .pdf IRA Ownership Structure Guidance - SBL 08/24/2022
8. .pdf Programmatic Exception List - SBL 04/14/2023
9. .pdf Freddie Mac K Series – Historical A2/A Bond Spreads 06/05/2023
10. .pdf MHC Tenant Protections Update Training 04/25/2022
11. .pdf Credit Risks & No Path Forward Aid - SBL 04/21/2022
12. .pdf Age Restricted Loan Processing Guidance 03/02/2022
13. .pdf Partial B2B Submission and Inspection Scheduling - SBL 01/26/2022
14. .pdf Multifamily Market Ratings for Markets Predicted to Perform Significantly Below Average 03/16/2023
15. .xls SBL Inspection Request Template 10/13/2021
16. .pdf SBL PMT 8.4 Job Aid 10/07/2021
17. .doc Borrower Certification of Property Condition - Weather Events 09/08/2021
18. .pdf Elevated Seismic Hazard Region Map 06/10/2021
19. .pdf OUS Data Fields Checklist - SBL 05/24/2021
20. .pdf Providing a Better Loan Assumption Process for Borrowers 05/20/2021
21. .pdf SBL Pricing Grid Explanation 03/26/2021
22. .pdf Originate & Underwrite Page Best Practices 03/18/2021
23. .pdf Kitchen and Tenant-Owned Appliances Requirements - SBL 02/26/2021
24. .xls Tax Abatement Cash Flow Analysis Template - SBL 01/28/2021
25. .pdf Tax Abatement Guidance - SBL 01/21/2021
26. .pdf Liquidity Verification Guidance - SBL 01/14/2021
27. .pdf Seniors Housing Quote Memo Guidance 12/22/2020
28. .pdf Understanding Tax Abatements 11/24/2020
29. .doc SBL Inspection Questionnaire 11/09/2020
30. .pdf Certificate of Occupancy Guidance - SBL 11/05/2020
31. .xls Rent Roll Template 10/01/2020
32. .pdf SBL Refinance Analysis 09/30/2020 cash-out, cash out
33. .pdf PMT Job Aid Prescreen & Exception Form - SBL 08/12/2020
34. .doc Optigo® Lender's Fee Certification – Conventional & Targeted Affordable 01/23/2020
35. .pdf Third-Party Mortgage Broker/Correspondent Policies 08/23/2022 Third Party Broker Policies.
36. .html Duty to Serve Mapping Tool 10/11/2019
37. .xls Property Inspection and Lease Audit - Seniors Housing 05/13/2019
38. .xls Property Inspection and Lease Audit 04/30/2019
39. .xls Property Inspection and Lease Audit - MHC 06/29/2018
40. .xls Lease Audit 05/04/2018
41. .pdf SBL Litigation Analysis Guidance 05/04/2018
42. .doc Public Record Search Policy Job Aid - SBL 06/30/2017
43. .pdf Seismic – Determining a PGA Using the USGS Tool 12/01/2022
44. .xls Property Inspection and Lease Audit - SBL 05/19/2016
45. .xls Commercial Lease Analysis and Estoppel - SBL 09/25/2015
46. .pdf Equity Conflicts of Interest Determination Chart 06/25/2020
47. .pdf Qualifications of Seniors Housing Liability Assessment Professional 08/18/2015
48. .pdf Moisture Management Plan Handbook 09/20/2022 Freddie Mac requirements for mold and moisture management and mitigation.
Requests & Approvals
1. .pdf TAH Conflicts Check – Transaction Parties and Details 11/03/2022
2. .xls SBL - Prescreen and Exception Request Form 04/14/2023
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 01/28/2021
6. .pdf Exception Form Directions 06/12/2018
7. .pdf Counterparty Approval Request 11/15/2016
8. .pdf Geographical Waiver Request 11/15/2016
9. .pdf Certification Regarding Payment of Fees and Expenses of Freddie Mac's Outside Legal Counsel - TAH 11/15/2016
10. .pdf Exception Request - TAH 11/15/2016
11. .pdf LIHTC Syndicator Approval Request 11/15/2016
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
2023 SBL Weekly
1. .pdf SBL Update: June 2 06/02/2023 Small Balance Loan (SBL) Credit Roundtable Q&A, Code Violation Guidance, Collections Guidance
2. .pdf SBL Update: May 26 05/26/2023 Optigo Essentials for SBL Workshop, Short Term Value Growth, Income and Expense Analysis, Q&A
3. .pdf SBL Update: May 19 05/19/2023 Optigo® Essentials for SBL workshop Q&A
4. .pdf SBL Update: May 12 05/12/2023 Optigo Essentials 2023 SBL Workshop Recap
5. .pdf SBL Update: May 5 05/05/2023 Rent Rolls, Chapter 55SBL.2
6. .pdf SBL Update: April 28 04/28/2023 Last Chance to Register, Optigo Essentials for SBL Workshop, April 2023 Tips & Tricks
7. .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
8. .pdf SBL Update: April 14 04/14/2023 Register Now, Optigo Essentials for SBL, New Guide Bulletin, Programmatic Exceptions Update, April 2023 Tips & Tricks
9. .pdf SBL Update: April 7 04/07/2023 Optigo Essentials, SBL Workshop, Borrower Due Diligence Training, April 2023 Tips & Tricks
10. .pdf SBL Update: March 31 03/31/2023 Register Now, Optigo Essentials, SBL Workshop, PMT, Pricing Grid Update, April 2023 Tips & Tricks
11. .pdf SBL Update: March 24 03/24/2023 Registration Open, SBL Workshop, Optigo Essentials, Chicago, May 4, Replacement Reserves, SBL Loans
12. .pdf SBL Update: March 17 03/17/2023 McClean Workshop Cancelled, Chicago Only, SBL Lenders
13. .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
14. .pdf SBL Update: February 17 02/17/2023 MBA CREF Recap, Cash-Out Refinance, Commercial Income Requirements, Presidents Day
15. .pdf SBL Update: January 27 01/27/2023 2022 Year-End Review, Third-Party Reports, Exceptions Requests, Appraisal Review, Pipeline Management
16. .pdf SBL Update: January 20 01/20/2023 Year End Volume, Top Lenders, Flood Insurance, NYC Property Taxes
17. .pdf SBL Update: January 13 01/13/2023 low income, li, pipeline management tool, pmt, sbl, small balance loan
2022 SBL Weekly
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
2021 SBL Weekly
1. .pdf SBL Update: Dec. 17 12/17/2021 sbl dynamic underwriting checklist, exhibit 1.2, sbl UW checklist, small talk, tj spaeth, mtna, mortgage transaction narrative analysis
2. .pdf SBL Update: Dec. 10 12/10/2021 new hires, sbl team, tom jeffries, skyler mohr, contact lists, production, underwriting, small talk, zach johannes, pricing discount requests
3. .pdf SBL Update: Dec. 3 12/03/2021 market tier upgrades, msa, metropolitan statistical area, small to standard market, very small to small market, affordability test, small talk, cindy ina, asset amanagement, surveillance, watchlist, delinquencies
4. .pdf SBL Update: Nov. 19 11/19/2021 extension underwriting turn times, 17 business days, year end deadlines, mortgage trasnaction narrative, boilerplate, small talk, tarrah marbach, seismic repairs, PRR
5. .pdf SBL Update: Nov. 12 11/12/2021 extension of underwriting turn times, 17 business days, year end deadlines, optigo now, small talk, elena olivos, borrower draws, dividends, market fee
6. .pdf SBL Update: Nov. 5 11/05/2021 covid-19 dsr elimination, collections guidance, PSA, purchase sale agreement, team promotions, optigo now, small talk, scott collins, form 1115
7. .pdf SBL Update: Oct. 29 10/29/2021 year end cutoff dates, deadlines, optigo now, small talk, new york city, underwriting, brendan price
8. .pdf SBL Update: Oct. 22 10/22/2021 year end cutoff dates, deadlines, immediate notification, suspicious activity, prevention, fraud, guide chapter 7, optigo now, small talk, audrey kestner, loan administration, dms
9. .pdf SBL Update: Oct. 15 10/15/2021 optigo now, b2b, partial upload, ous, freddie mac loan number, pmt job aid, inspection request template, small talk, kevin duffy, syndicated ownership
10. .pdf SBL Update: Oct. 1 10/01/2021 underwriting turn times, deal submission timing, 12-business days, website refresh, optigo happy, happyco, virtual inspections, inspection fee, optigo now, loan agreement, tax abatement rider, sbl borrower documents, small talk, paul kolling, sb-deal, capital markets
11. .pdf SBL Update: Sept. 24 09/24/2021 webinar survey, optigo academy, optigo happy, happyco, virtual inspections. inspection fee, MSIA video, rental property lookup tool, small talk, aldair garcia, check in process, screen loans, alaska, hawaii
12. .pdf SBL Update: Sept. 17 09/17/2021 sbl education series, webinar, optigo academy, small talk, nick villani
13. .pdf SBL Update: Sept. 10 09/10/2021 sbl education series, webinar, optigo academy, programmatic exception, exception #59, cellular/billboard income, revised borrower certification, northeast, weather conditions, september 2, small talk, leah more, MSIA, rental property lookup tool
14. .pdf SBL Update: Aug. 27 08/27/2021 optigo academy, webinar, exception list updates, #43, borrower principal, #56, #58, small talk, lamar myers
15. .pdf SBL Update: Aug. 20 08/20/2021 dms, document management system, bookmarks, multifamily resources, small talk, conner brown, cash neutral, unsecured, secured
16. .pdf SBL Update: Aug. 13 08/13/2021 equity in mutlifamily housing, occupancy changes, inspection, joint, consolidated financial statements, programmatic exception, sb-deal, multifamily resources
17. .pdf SBL Update: Aug. 6 08/06/2021 CARES act reminder notice, commitment language, tenant protections, multifamily resources update, small talk, austin barrett, guarantor structure, prescreen
18. .pdf SBL Update: July 30 07/30/2021 extended dcl delivery date, 15 business days, small talk, max decker, affordability test
19. .pdf SBL Update: July 23 07/23/2021 duplicate entries, PMT, reason for lost, virtual inspections, myoptigo weekly, camera operator, cmbs issuer of the year award, small talk, bobby freesmeier, kick-off call tips
20. .pdf SBL Update: July 16 07/16/2021 kick-off calls, tips & tricks, july, loan submission, PMT, small talk, robert zuccaro, tips for pricing confirmation
21. .pdf SBL Update: July 9 07/09/2021 Kick-off calls, kick off calls, HAP contract, programmatic exception #50, credit risk #6 and #7, no path forward, non-starter, sbl portfolio flyer, portfolio rollup form, small talk, patty hennessey
22. .pdf SBL Update: July 2 07/02/2021 Underwriting team changes, staff, contact list, regional map, small talk, meg mcelgunn, funded volume
23. .pdf SBL Update: June 25 06/25/2021 Occupancy and vacancy, loan submission, physical and economic, fathers days, small talk, kyle bowen, Exceptions, sponsorship experience, non-managing members
24. .pdf SBL Update: June 11 06/11/2021 dsr, debt service reserve, collections guidance, aged receivables report, russ dines, multifamily all star, programmatic exception, exception #58 removed, prescreen and exception request form, small talk, max mraz, commercial income, commercial guidance
25. .pdf SBL Update: May 28 05/28/2021 dsr, debt service reserve, steve lansbury, waivers, prescreen and exception request form, programmatic exceptions, remove exception #12, update exception #14, b2b, optigo happy, mtna, mortgage transaction narrative analysis, small talk, jessica gonzalez, lender inspection, loan agreement, mba inspection form, soft pull,
26. .pdf SBL Update: May 21 05/21/2021 debt service reserve, sbl covid-19 dsr may update, programmatic exceptions changes, prescreens, exceptions, older credit events, eliminate prescreens less than 25% concentration, new to Freddie mac, delinquent rent, missing aged receivable reports, sbl education series, small talk, tyrone purdie
27. .pdf SBL Update: May 14 05/14/2021 new affordability test, dsr faqs, debt service reserve, sbl education series, small talk, Nimrita Chavla, appraisal comparables
28. .pdf SBL Update: May 7 05/07/2021 b2b issues, loan submission, ous, originate and underwriting system, data entry error, lst, loan submission template, mothers day, sbl education series, optigo academy, small talk, peter Zaharchuk, exceptions and prescreens, pmt
29. .pdf SBL Update: April 30 04/30/2021 diverse borrower forms rescheduled, scout system, d.c. properties, building violations, single counsel representation, sbl education series, optigo academy, small talk, graham martin, project destined
30. .pdf SBL Update: April 23 04/23/2021 education series, virtual webinar, may 20, dsr, credit report training, rent roll, dsr waiver, top markets, standard markets, mtna, mortgage transaction narrative, mitigants, no prescreen, cmbs issuer of the year, globalcapital, lender call recap, small talk, irina grebenshchikova, nri, net rental income, value creation
31. .pdf SBL Update: April 16 04/16/2021 collections requirements, partial month, 15th, companion deals, full package submission template, lender call, diverse borrowers, small talk, louay akel, aged receivables report, covid-19
32. .pdf SBL Update: April 9 04/09/2021 lender call, press release, broker correspondent, co-marketing requirements, deal timing, dcl, draft commitment letter, women in multifamily, anshita kumar, property taxes, non-primary homes, california, small talk, annie gong, proposition 19, check-in process, turn time
33. .pdf SBL Update: March 26 03/26/2021 tips & tricks, homeshare, airbnb, rush underwriting requests, increase in underwriting packages, rent roll template, collections guidance, refinance analysis, small talk, andrea shook, aged receivables schedule, delinquent
34. .pdf SBL Update: March 19 03/19/2021 single counsel, loan agreement rider, commitment letter, rental collections, women in multifamily, abbey Lipson, o&u page, best practices, acquisition of membership interests, mortgage lending, Oklahoma properties, mcgrit v Oklahoma supreme court, public record searches, lien results, small talk, rob Gallegos, bitcoin, cryptocurrency, liquidity verification, affordability test
35. .pdf SBL Update: March 12 03/12/2021 lease audits, small talk, Catherine evans, permitted transactional expenses, cash-out, refinance, closing costs
36. .pdf SBL Update: March 3 03/05/2021 covid-19, debt service reserve, dsr, small talk, George ung, California rent control, video, optigo academy
37. .pdf SBL Update: Feb. 26 02/26/2021 affordability test, market type, pmt, pipeline management tool, physical risk report, termite inspection, load test analysis, structural engineer, weather, Texas, borrower certification of property condition, property damage, compliant kitchens, tenant owned appliances, optigo academy, small talk, alex Meersman, energy concentrations, markets of concern
38. .pdf SBL Update: Feb. 19 02/19/2021 north central pop-up, small talk series, karolina eisenhart, sponsorship requirements, crime issues
39. .pdf SBL Update: Feb. 12 02/12/2021 north central pop-up, new york city property taxes, small talk series, heri soto, non-revenue units
40. .pdf SBL Update: Jan. 29 01/29/2021 affordability test, tax abatement cash flow analysis, refinance analysis, full package submission template, tenant in common borrower guidance, portfolio rollup template, optigo academy, small talk, amanda patella
41. .pdf SBL Update: Jan. 22 01/22/2021 top sbl lenders, 2020, tic, tenants in common, borrower minimum requirements, southwest virtual pop-up, sb-deal performance, sbl prepayment report, small talk, anshita kumar
42. .pdf SBL Update: Jan. 15 01/15/2021 lender call, january tips & tricks, liquidity verification guidance, southwest virtual pop-up, optigo academy, small talk, russ dines
43. .pdf SBL Update: Jan. 8 01/08/2021 southwest virtual pop-up, lender call, sbl collections, due diligence, rent rolls, aged receivables, small talk, megan felch, rubs
2020 SBL Weekly
1. .pdf SBL Update 12/18/2020 new affordability test, 2021 mission requirements, fhfa, sbl, small balance loan, guide bulletin, chapter 8sbl.15, inspection scheduling, approval conditions, exception requests, programmatic exceptions, credit risks, chapter 9sbl.2(c)2, small talk series, jake simpson, happy holidays
2. .pdf SBL Update 12/11/2020 december tips & tricks, new fields in pmt, pipeline management tool, programmatic exceptions & credit risks, dsr, dscr, guide bulletin, year-end cutoff dates, small talk series, john maalouf
3. .pdf SBL Update 12/04/2020 dsr update, acquisition, cash neutral, cash-out refinance, year-end cut-off dates, package submission deadline, congrats tyrone purdie, small talk series, kelly chou
4. .pdf SBL Update 11/20/2020 2021 volume cap, year-end cutoff dates, optigo academy, small talk series, rick farmer
5. .pdf SBL Update 11/13/2020 November tips & tricks, small talk series, joyce Judah, land trusts
6. .pdf SBL Update 11/06/2020 certificate of occupancy guidance, year-end cut off dates, closing, funding, sbl hybrids, Houston pop-up, programmatic exception #25, small talk series, jose barrios, units inspected
7. .pdf SBL Update 10/30/2020 Houston virtual pop-up, optigo 2020 conference recap, programmatic exception #25, small talk series, ted chen, covid-19 reprieve, luras, lihtc
8. .pdf SBL Update 10/23/2020 sbl portfolio flyer, promotions, small talk series, Michael haase, volatile collections, sbl refinance analysis
9. .pdf SBL Update 10/16/2020 pmt; pipeline management tool; lona application tips; loan structure; sofr; small talk series; dawson granade
10. .pdf SBL Update 10/09/2020 nashville pop-up; small talk series; jared rothgeb
11. .pdf SBL Update 10/02/2020 nashville pop-up; new exception list; sbl refinance analysis; prescreen & exception request form; PMT; pipeline management tool; rent roll template; borrower baseline experience; small talk series; abbey lipson; ross drucker
12. .pdf SBL Update 09/25/2020 nashville virtual pop-up; bcpc; borrower certification of property condition; commercial income guidance; mixed-use apartments; underwritten as completely vacant; markets of concern; houston; state of oklahoma; dcr; ltv; state of nevada; orlando; new orleans; porgrammatic exceptions list; credit risks & no path forward aid; small talk series: steve taylor
13. .pdf SBL Update 09/18/2020 guide update training; welcome irina grebenshchikova; small talk series: steve malloy; year-end rush; rush requests; one week notice
14. .pdf SBL Update 09/11/2020 rescheduled: guide update training, new small talk series, philly virtual pop-up
15. .pdf SBL Update 09/04/2020 philly virtual pop-up, guide update training, broker fee certification, pmt, pipeline management tool, dcl timing
16. .pdf SBL Update 08/28/2020 sbl virtual philly pop-up; guide update training; discount requests; pmt; pipeline management tool; win/loss; late underwriting packages; 35th day; rate-hold; increase application coupon rate
17. .pdf SBL Update 08/21/2020 september 1st; sbl hybrid; sofr-index loans; sofr training guide; sbl philly pop-up; link eligibility prescreen; link eligibility map
18. .pdf SBL Update 08/14/2020 pmt enhancements, august 17, prescreen and exception form, materiality issues, legal and litigation, 2000, modular property, optigo conference save the date
19. .pdf SBL Update 08/07/2020 direct servicing incentive, august 7, los angeles density bonus agreement, tax abatement questionnaire, single counsel, submission emails, negative news searches, borrower principal experience
20. .pdf SBL Update 07/31/2020 inspection scheduling process, two weeks notice, regional inspection mailboxes, sbl inspection questionnaire, guide section 8, video, prescreen not required, dms, mtna, insurance, rate-lock, ict, debt service reserve waiver, direct servicing incentive end date, pmt enhancements
21. .pdf SBL Update 07/24/2020 covid faqs, release of dsr, pre-closing, post-closing, incomplete loans, third party inspections, mortgage transaction narrative analysis, document management system, 50th anniversary
22. .pdf SBL Update 07/17/2020 lender call, originate & underwrite webpage updates, single counsel updates, commitment letter, regional legal contacts
23. .pdf SBL Update 07/10/2020 virtual inspection guidance, 50% lease audit, greater of 6 units, 10% of total units, lender call, western region portfolios
24. .pdf SBL Update 06/26/2020 full underwriting packages, updated collections, rent roll, t12 occupancy statement
25. .pdf SBL Update 06/19/2020 full underwriting packages, back to 9 business days, b2b deadline June 30, pmt
26. .pdf SBL Update 06/12/2020 b2b transition deadline
27. .pdf SBL Update 05/29/2020 covid-19 dsr rider, debt service reserve, optigo happy, digital inspections, borrower certification of property condition
28. .pdf SBL Update 05/15/2020 covid-19 forbearance, form 1115-sbl, program exception #35 student concentration, Q1 SB-deal
29. .pdf SBL Update 05/11/2020 commitment template, covid-19 debt service reserve rider, dsr, property jurisdiction, sbl mortgage transaction narrative, master lease concentration, credit score <650, faqs, dms, rent roll
30. .pdf SBL Update 05/01/2020 temporary cycle time extension, 12 business days, virtual inspections notice, borrower certification of property condition
31. .pdf SBL Update 04/24/2020 leadership changes, sb-deal securitization
32. .pdf SBL Update 04/17/2020 prescreen and exceptions forms
33. .pdf SBL Update 04/10/2020 covid-19, temporary debt service reserve aid, dsr
34. .pdf SBL Update 04/03/2020 covid-19, temporary credit changes, faqs
35. .pdf SBL Update 03/30/2020 covid-19, temporary 12-month debt service reserve, dsr
36. .pdf SBL Update 03/25/2020 temporary authorization, cash equity, .10x increase in dcr, 5% reduction in ltv, commercial space underwritten as vacant, forbearance, inspection guidance, covid-19
37. .pdf SBL Update 03/13/2020 lender call, timing pmt applications, refi of freddie mac loan section
38. .pdf SBL Update 03/06/2020 sponsor experience, repeat sponsors, submission email recipients, learning modules, 2019 q4 investor presentation
39. .pdf SBL Update 02/28/2020 march 2nd market tier changes, bank statement requirement, program exceptions & credit risk changes, maser lease concentration, loans requiring Freddie mac review, not policy compliant, delegated inspections, l&o insurance, LIBOR website
40. .pdf SBL Update 02/20/2020 process for late exceptions discovered, due diligence, sbl contact list
41. .pdf SBL Update 02/14/2020 anticipated delivery dates in PMT, prescreen and exception form, mitigant section, mba cref recap
42. .pdf SBL Update 02/07/2020 contact list, regional map, new sbl underwriters
43. .pdf SBL Update 01/17/2020 new prescreen and exception form, pipeline ID, top and standard market, cash out, seller requested discount, pmt, 35 day submission deadline, new Chicago office
TAH Updates
1. .pdf TAH Update 05/25/2023 TAH Update sent on May 25, 2023
2. .pdf TAH Update 01/19/2023
3. .pdf TAH Update 03/09/2023
4. .pdf TAH Update 03/30/2023 TAH Update sent on March 30 ,2023
5. .pdf TAH Update 11/15/2022
6. .pdf TAH Update 10/20/2022
7. .pdf TAH Update 09/15/2022
8. .pdf TAH Update 08/04/2022
9. .pdf TAH Update 07/28/2022
10. .pdf TAH Update 03/31/2022
11. .pdf TAH Update 02/17/2022
12. .pdf TAH Update 02/02/2022
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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