Originate & Underwrite

Applications

Having trouble with your password? View Help.

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

OUS

Origination and Underwriting System

DMS

Document Management System

ICT

Insurance Compliance Tool

AllRegs^®

Seller/Servicer Guide

Resources

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
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 8/17/23
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 8/17/23
7. .pdf Exhibit 1.29 TAH - Bond CE Mortgage - Full UW Checklist Updated 8/17/23
8. .pdf Exhibit 1.30 TAH - Cash Forward Commitment - Full UW Checklist Updated 8/17/23
9. .pdf Exhibit 1.31 TAH - Cash Conversion UW Checklist Updated 8/17/23
10. .pdf Exhibit 1.32 TAH - Bond CE Forward Commitment - UW Checklist Updated 8/17/23
11. .pdf Exhibit 1.33 TAH - Bond CE Conversion UW Checklist Updated 8/17/23
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 8/17/23
Contacts
1. .pdf Underwriting Contact List - SBL 09/05/2023
2. .pdf Production Contact List - SBL 09/05/2023
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
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) 09/01/2023
2. .xls Income and Expense Comparables - SBL (Excel 2016) 09/01/2023
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 08/23/2023
2. .doc Mortgage Transaction Narrative Boilerplate - SBL 06/16/2023 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. .pdf Form 1115: Borrower Certificate 08/17/2023
2. .pdf Form 1115SBL: Borrower Certificate – SBL 08/17/2023
3. .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.
4. .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.
5. .pdf Form 104: Loan and Real Estate Owned (REO) Expenses and Income
6. .pdf Form 483M: Wire Transfer Authorization 09/14/2023
7. .pdf Form 921: Letter of Credit - SBL Certification
8. .pdf Form 981M: Transfer of Servicing Agreement
9. .pdf Form 987M: Wire Transfer Authorization - Cash Warehouse Delivery
10. .pdf Form 988M: Multifamily Certificate of Authorized Representative
11. .pdf Form 989M: Multifamily Certificate of Corporate Secretary
12. .pdf Form 990M: Certificate of Limited Liability Company Secretary/Authorized Representative
13. .pdf Form 996M: Warehouse Lender Release of Security Interest
14. .zip Form 1028: Value-Add Monitoring
15. .xls Form 1056: Reserves Held in Custodial Accounts 06/15/2023
16. .pdf Form 1057A: Letter Agreement for Securities Custodial Account for Tax-exempt Bond Transactions 10/20/2022
17. .pdf Form 1057: Letter of Agreement for Servicer's Principal and Interest of P&I Disbursement Clearing Custodial Account 06/15/2023
18. .pdf Form 1058: Letter Agreement for Servicer's Reserve Custodial Account 10/20/2022
19. .pdf Form 1059: Letter of Agreement for Principal and Interest, or P&I Disbursement Clearing Custodial Account 06/15/2023
20. .pdf Form 1060: Letter Agreement for Reserve Custodial Account 10/20/2022
21. .pdf Form 1061: Certificate of Incumbency and Authority To Draft Against Custodial Accounts
22. .pdf Form 1061A: Certificate of Incumbency and Authority To Draft Against Securities Custodial Accounts
23. .pdf Form 1062: Sight Draft
24. .pdf Form 1063: Notice Letter - Alternative CE Bond Billing Procedure
25. .pdf Form 1065M: Report of IRS Form 1099-A and 1099-C Filings
26. .pdf Form 1101: Legal Referral Form
27. .zip Form 1102: Seismic Risk Assessment Summary
28. .zip Form 1103: Environmental Site Assessment 09/14/2023
29. .xls Form 1104: SBL Physical Risk Report 08/17/2023
30. .zip Form 1105: Property Condition Assessment 12/15/2022
31. .zip Form 1106: Green Report
32. .pdf Form 1107M: Multifamily Seller/Servicer Change Notification To view this form, download and open the form in Adobe Reader
33. .zip Form 1108: Physical Risk Report 09/14/2023 Use this physical risk report for Conventional and Targeted Affordable Housing Loans
34. .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.
35. .pdf Form 1114: Certification - Organizational Chart 06/15/2023
36. .pdf Form 1115SBL: Key Borrower Principal Certificate – SBL 08/17/2023
37. .pdf Form 1115: Key Borrower Principal Certificate 08/17/2023
38. .xls Form 1116: Real Estate Schedule 06/15/2023
39. .xls Form 1120: Student Housing Questionnaire
40. .pdf Form 1125: Borrower Application for Partial Release or Easement
41. .pdf Form 1126: Acknowledgement of Property Improvement Alterations
42. .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.
43. .pdf Form 1140: Hazard Loss Notification and Plan 09/14/2023
44. .pdf Form 1140-DR: Hazard Loss Disbursement Request 09/14/2023
45. .xls Form 1143: Multifamily Principal & Interest Custodial Account Reconciliation Worksheet
46. .pdf Form 1144: Verification of Collections
47. .pdf Form 1146: System Administrator Add/Update/Remove Request To view this form, download and open the form in Adobe Reader
48. .pdf Form 1148: System User Verification and Certification
49. .pdf Form 1149: System Administrator Verification and Certification
50. .pdf Form 1150: Wire Transfer Authorization - Non-Warehoused Mortgage
51. .zip Form 1209: Green Retrofits Certification
52. .xls Form 5150 - Forward Commitment Monitoring Report
53. .pdf Form 6011: Waiver of 50-page Limit for SBL Appraisal
Org Chart, AML, OFAC, Fraud 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 Based Negative News Search Tool 03/22/2022
5. .pdf Organizational Chart Guidance 11/22/2021
6. .html Organizational Chart - Interactive Guidance 04/13/2023
7. .zip Web Based Negative News Search Tool (2019) 10/16/2019
8. .pdf Know Your Customer Webinar Deck 09/28/2018
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. .xls TAH Inspection Request Template 06/15/2023
3. .pdf TAH Inspection Scheduling Process Memo 06/15/2023
4. .pdf SBL Collections Guidance 11/01/2021
5. .doc CARES Act Borrower Reminder Notice (Origination) 08/03/2021
6. .pdf Cash-Out Refinance and Commercial Income Memo - SBL 02/17/2023
7. .pdf SBL Holiday Calendar 01/13/2023
8. .pdf SBL Link Loan FAQs 12/02/2022 SBL Link Loan FAQs
9. .pdf SBL Inspection Scheduling Process 11/04/2022
10. .pdf Link Eligibility Map 11/01/2022
11. .pdf Tenant In Common - Borrower Minimum Requirements - SBL 10/04/2022
12. .pdf IRA Ownership Structure Guidance - SBL 08/24/2022
13. .pdf Programmatic Exception List - SBL 08/17/2023
14. .pdf Freddie Mac K Series – Historical A2/A Bond Spreads 09/25/2023
15. .pdf MHC Tenant Protections Update Training 04/25/2022
16. .pdf Credit Risks & No Path Forward Aid - SBL 04/21/2022
17. .pdf Age Restricted Loan Processing Guidance 03/02/2022
18. .pdf Partial B2B Submission and Inspection Scheduling - SBL 01/26/2022
19. .pdf Multifamily Market Ratings for Markets Predicted to Perform Significantly Below Average 03/16/2023
20. .xls SBL Inspection Request Template 10/13/2021
21. .pdf SBL PMT 8.4 Job Aid 10/07/2021
22. .doc Borrower Certification of Property Condition - Weather Events 08/30/2023
23. .pdf Elevated Seismic Hazard Region Map 06/10/2021
24. .pdf OUS Data Fields Checklist - SBL 05/24/2021
25. .pdf Providing a Better Loan Assumption Process for Borrowers 05/20/2021
26. .pdf SBL Pricing Grid Explanation 03/26/2021
27. .pdf Originate & Underwrite Page Best Practices 03/18/2021
28. .pdf Kitchen and Tenant-Owned Appliances Requirements - SBL 02/26/2021
29. .xls Tax Abatement Cash Flow Analysis Template - SBL 01/28/2021
30. .pdf Tax Abatement Guidance - SBL 01/21/2021
31. .pdf Liquidity Verification Guidance - SBL 01/14/2021
32. .pdf Seniors Housing Quote Memo Guidance 12/22/2020
33. .pdf Understanding Tax Abatements 11/24/2020
34. .doc SBL Inspection Questionnaire 11/09/2020
35. .pdf Certificate of Occupancy Guidance - SBL 11/05/2020
36. .xls Rent Roll Template 10/01/2020
37. .pdf PMT Job Aid Prescreen & Exception Form - SBL 08/12/2020
38. .doc Optigo® Lender's Fee Certification – Conventional & Targeted Affordable 01/23/2020
39. .pdf Third-Party Mortgage Broker/Correspondent Policies 06/15/2023 Third-Party Broker Policies
40. .html Duty to Serve Mapping Tool 10/11/2019
41. .xls Property Inspection and Lease Audit - Seniors Housing 05/13/2019
42. .xls Property Inspection and Lease Audit 04/30/2019
43. .xls Property Inspection and Lease Audit - MHC 06/29/2018
44. .xls Lease Audit 05/04/2018
45. .pdf SBL Litigation Analysis Guidance 05/04/2018
46. .doc Public Record Search Policy Job Aid - SBL 06/30/2017
47. .pdf Seismic – Determining a PGA Using the USGS Tool 12/01/2022
48. .xls Property Inspection and Lease Audit - SBL 05/19/2016
49. .xls Commercial Lease Analysis and Estoppel - SBL 09/25/2015
50. .pdf Equity Conflicts of Interest Determination Chart 06/25/2020
51. .pdf Qualifications of Seniors Housing Liability Assessment Professional 08/18/2015
52. .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
8. .pdf Geographical Waiver Request
9. .pdf Certification Regarding Payment of Fees and Expenses of Freddie Mac's Outside Legal Counsel - TAH
10. .pdf Exception Request - TAH
11. .pdf 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
2023 SBL Weekly
1. .pdf SBL Update: September 29 09/29/2023 Income and Expense Comparables engine , Optigo Academy, I&E
2. .pdf SBL Update: September 15 09/15/2023 Appraisal, Rent-reporting, credit building
3. .pdf SBL Update: September 8 09/08/2023 Affordability Test, Multifamily LinkedIn
4. .pdf SBL Update: September 1 09/01/2023 NYC Rent Stabilization, NYC Rent Guidelines, Promotions
5. .pdf SBL Update: August 18 08/18/2023 Guide Update, Key Borrower Principal Experience , SBL Underwriting Checklist
6. .pdf SBL Update: August 4 08/04/2023 CreditSmart, Spanish, Fraud Prevention, Multifamily Fraud webpage
7. .pdf SBL Update: July 14 07/14/2023 Multifamily All-Star, Diverse & Emerging Sponsors, Central Region, SBL Production Team
8. .pdf SBL Update: July 28 07/28/2023 SBL Refinance Analysis, Short-Term Value Growth
9. .pdf SBL Update: July 7 07/07/2023 Central Region – SBL Production Team, Renter Affordability, Sponsor Speed Reads
10. .pdf SBL Update: June 16 06/16/2023 Affordability Test, Deal Status, Juneteenth
11. .pdf SBL Update: June 30 06/30/2023 Mortgage Transaction Narrative Boilerplate, Guide Bulletin, Workshop Presentations, SB-Deal, Cash Flow Section
12. .pdf SBL Update: June 9 06/09/2023 Affordability Test, Application Fees, PCA (Form 1104) Additional Testing Requirements
13. .pdf SBL Update: June 2 06/02/2023 Small Balance Loan (SBL) Credit Roundtable Q&A, Code Violation Guidance, Collections Guidance
14. .pdf SBL Update: May 26 05/26/2023 Optigo Essentials for SBL Workshop, Short Term Value Growth, Income and Expense Analysis, Q&A
15. .pdf SBL Update: May 19 05/19/2023 Optigo® Essentials for SBL workshop Q&A
16. .pdf SBL Update: May 12 05/12/2023 Optigo Essentials 2023 SBL Workshop Recap
17. .pdf SBL Update: May 5 05/05/2023 Rent Rolls, Chapter 55SBL.2
18. .pdf SBL Update: April 28 04/28/2023 Last Chance to Register, Optigo Essentials for SBL Workshop, April 2023 Tips & Tricks
19. .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
20. .pdf SBL Update: April 14 04/14/2023 Register Now, Optigo Essentials for SBL, New Guide Bulletin, Programmatic Exceptions Update, April 2023 Tips & Tricks
21. .pdf SBL Update: April 7 04/07/2023 Optigo Essentials, SBL Workshop, Borrower Due Diligence Training, April 2023 Tips & Tricks
22. .pdf SBL Update: March 31 03/31/2023 Register Now, Optigo Essentials, SBL Workshop, PMT, Pricing Grid Update, April 2023 Tips & Tricks
23. .pdf SBL Update: March 24 03/24/2023 Registration Open, SBL Workshop, Optigo Essentials, Chicago, May 4, Replacement Reserves, SBL Loans
24. .pdf SBL Update: March 17 03/17/2023 McClean Workshop Cancelled, Chicago Only, SBL Lenders
25. .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
26. .pdf SBL Update: February 17 02/17/2023 MBA CREF Recap, Cash-Out Refinance, Commercial Income Requirements, Presidents Day
27. .pdf SBL Update: January 27 01/27/2023 2022 Year-End Review, Third-Party Reports, Exceptions Requests, Appraisal Review, Pipeline Management
28. .pdf SBL Update: January 20 01/20/2023 Year End Volume, Top Lenders, Flood Insurance, NYC Property Taxes
29. .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
TAH Updates
1. .pdf TAH Update 08/07/2023
2. .pdf TAH Update 06/15/2023
3. .pdf TAH Update 05/25/2023 TAH Update sent on May 25, 2023
4. .pdf TAH Update 03/30/2023 TAH Update sent on March 30 ,2023
5. .pdf TAH Update 03/09/2023
6. .pdf TAH Update 01/19/2023
7. .pdf TAH Update 11/15/2022
8. .pdf TAH Update 10/20/2022
9. .pdf TAH Update 09/15/2022
10. .pdf TAH Update 08/04/2022
11. .pdf TAH Update 07/28/2022
12. .pdf TAH Update 03/31/2022
13. .pdf TAH Update 02/17/2022
14. .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

Rate-Lock Holiday Desk Closure

View the adjusted rate-lock desk hours in observance of holidays.

view calendar

Appraisals

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

Learn More

Transforming Our Business

We're transforming our business – and yours. Keep up with our digital transformation progress.

Learn more

LIBOR Transition

LIBOR is being phased out and we are moving toward an alternative index for new floating-rate loans.

Learn More

Quick Links

Optigo Academy Logo

One-Stop Online Learning for Optigo Lenders

Class is in Session

Learn more

Get the latest news and updates delivered to your inbox
or from our LinkedIn^® Showcase page.

Optigo Academy

myOptigo^®

Performance of the Seniors Housing Market

Impact Bonds Report 2022

Credit Building

Equity in Multifamily Housing

Supporting Renters at Walden Lake

Highlighting our Impact on Equitable Housing

MHROCs with ROC USA

Deciphering the Recent Decline in AIMI®

LIBOR - SOFR Transition

Making of the Deal

All Stars

Highlighting our Impact on Equitable Housing

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

Search for Career Opportunities

Originate & Underwrite

Applications

Mobile App

Desktop App

myOptigo

Origination and Underwriting System

Document Management System

Insurance Compliance Tool

Seller/Servicer Guide

Resources

Quick Find

Connect with Us

Optigo Academy

myOptigo®

Performance of the Seniors Housing Market

Impact Bonds Report 2022

Credit Building

Equity in Multifamily Housing

Supporting Renters at Walden Lake

Highlighting our Impact on Equitable Housing

MHROCs with ROC USA

Deciphering the Recent Decline in AIMI®

LIBOR - SOFR Transition

Making of the Deal

All Stars

Highlighting our Impact on Equitable Housing

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

Search for Career Opportunities

Originate & Underwrite

Applications

Mobile App

Desktop App

myOptigo

Origination and Underwriting System

Document Management System

Insurance Compliance Tool

Seller/Servicer Guide

Resources

Quick Find

New Year's Day 2022/2023

Martin Luther King Day

Presidents Day

Good Friday

Memorial Day

Juneteenth

U.S. Independence Day

Labor Day

Columbus Day

Veterans Day

Thanksgiving Day

Christmas Day

New Year's Day 2023/2024

Connect with Us

myOptigo^®