Freddie Mac Multifamily Loan Rates

Freddie Mac Loan Product Rates (start as low as) Amortization
5 Year Fixed 5.39% Up to 30 years
7 Year Fixed 5.34% Up to 30 years
10 Year Fixed 5.31% Up to 30 years

A Freddie Mac Multifamily Loan offers incredible financing solutions to investors looking for multifamily loans. Freddie Mac's multifamily loan program provides both fixed rate and floating rate multifamily loans to acquire or refinance a wide variety of multifamily properties.  These apartment building loans are used to finance properties such as market-rate apartments, student housing, senior housing, and affordable housing.  While Freddie Mac has always been one of the industry's most aggressive financing source for larger apartment loans, Fannie Mae used to really dominate the smaller balance market. However, in 2014, Freddie Mac launched their Freddie Mac Small Balance Multifamily Loan program to compete with Fannie Mae in the small balance market. For eligible borrowers, Freddie Mac multifamily loans offer some of the best terms and rates in the market. However, qualifying for Freddie Mac loans requires that the borrower and property both meet a high standard set by Freddie Mac. Borrowers must typically meet a threshold for net worth and liquidity and properties must be cash flowing with at least 90% occupancy for 90 days.


Freddie Mac Multifamily Loan Benefits

Freddie Mac Multifamily Loan rates start as low as 5.31% (as of March 19th, 2024)
• A commercial mortgage broker with over 30 years of lending experience
• No upfront application or processing fees
• Simplified application process
• Up to 80% LTV on multifamily
• Terms and amortizations up to 30 years
• Loans for purchase and refinance, including cash-out
• 24 hour written pre-approvals with no cost and no obligation

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Apartment Loan Basics

Best Freddie Mac Multifamily Loan Options for 2022

The Freddie Mac multifamily loan program offers many unique and beneficial features for apartment purchases and refinances, with a minimum loan size of $1,500,000. The loan application process is simple and streamlined. As an example, tax returns for the borrower and the property are not required. Freddie Mac Multifamily Loans typically close in 45 days and the program has much lower costs than other government or agency programs. These apartment building loans are non-recourse, which means that the borrower is not required to guarantee payments personally. Prepayment penalties are flexible, ranging from yield maintenance to soft stepdown. Perhaps the best feature of these multifamily loans is that Freddie Mac offers a free rate hold for 45 days from application. If rates change during the processing period, the loan rate is automatically held from the date of application.


Freddie Mac Multifamily Loan

Freddie Mac Multifamily Loans have a publicly stated mission to help maintain stability in the American housing-mortgage markets. Additionally, their goal is to both keep the housing market well-financed and to promote affordable housing. This means supporting investors purchase, refinance, preserve, and renovate existing multifamily and apartment buildings. A large portion of the properties financed by Freddie Mac are more than 10 years old, need significant improvements and have a hard time procuring financing with other lenders. Freddie Mac’s main focus in the multifamily arena is affordable housing. Around 90 percent of their apartment loans are written for properties with affordable rents (based on local area median income). Over the years the number of renters has continued to grow leading to a short supply of available affordable apartment units. Many of Freddie Mac’s programs were designed with this challenge in mind. They focus on financing apartment buildings that are affordable to renters with lower annual incomes. They also write apartment building loans for subsidized housing that assists individuals with very low (below average) incomes. Through these programs, Freddie Mac’s multifamily loan programs are playing a crucial role in ensuring that Americans have access to affordable housing throughout the country.


Freddie Mac Multifamily Loan

One potential complication with Freddie Mac multifamily loans is that Freddie Mac does not directly originate their loans. Rather they rely on authorized lenders from within their Optigo network to underwrite and service their loans. While these apartment loans may be financed by outside lenders, they all must conform to Freddie Mac guidelines. While Freddie Mac offers loans in varying markets for many different situations, each Optigo lender may have their own limitations on eligible deals they are willing to finance. At Select Commercial Funding, we have access to a wide array of Freddie Mac funding solutions so we can help to connect you with the right Freddie Mac lenders for your specific needs.






Freddie Mac Small Balance Multifamily Loans

Freddie Mac Small Balance Multifamily Loans

The Freddie Mac Small Balance Multifamily Loan program offers many unique and beneficial features for apartment purchases and refinances, with a minimum loan size of $1,500,000. The loan application process is simple and streamlined. As an example, tax returns for the borrower and the property are not required. Loans typically close in 45 days and the program has much lower costs than other government or agency programs. Loans are non-recourse, which means that the borrower is not required to guarantee payments personally. Prepayment penalties are flexible, ranging from yield maintenance to soft stepdown. Perhaps the best feature is that Freddie Mac offers a free rate hold for 45 days from application. If rates change during the processing period, the loan rate is automatically held from the date of application.





Freddie Mac Fixed Rate Conventional Multifamily Loans

Freddie Mac Fixed Rate Conventional Multifamily Loans

The Freddie Mac Fixed Rate Conventional Loan offers multifamily investors incredibly attractive financing and loan terms. Freddie Mac Fixed-Rate Conventional Loans can be utilized to finance standard multifamily properties, student housing, seniors housing, cooperative housing developments, and targeted affordable housing properties, including Section 8 housing. These loans are non-recourse so investors don’t have to personally guarantee the loan (except for standard bad boy carve outs). Through this program, we can help you find flexible terms and amortizations of up to 30 years and can offer financing up to $100 million.





Freddie Mac Float To Fixed Rate Multifamily Loans

Freddie Mac Float To Fixed Rate Multifamily Loans

The Freddie Mac Float-to-Fixed-Rate Loan, also referred to as the Two-Plus-Seven, provides investors with an an initial two-year period featuring an adjustable-interest rate, followed by a seven-year period with a fixed-interest rate. The first two years of the loan are interest only allowing for maximum cash returns early on in the loan term. Multifamily investors can use this program to finance all types of properties with the exceptions of seniors housing, student housing, manufactured housing communities and pre-stabilized assets. In addition, borrowers can significantly reduce their risk to interest rate increases by locking the interest rate for the fixed-rate portion of the loan at the initial closing.





Freddie Mac Floating Rate Multifamily Loans

Freddie Mac Floating Rate Multifamily Loans

Are you an investor looking for a highly flexible floating rate loan with some of the best interest rates in the market? If so, the Freddie Mac Floating Rate program may be for you. This program finances multifamily loans of $5 million and up, allows up to 80% LTV, has terms of up to 10 years and provides amortization up to 30 years. Freddie Mac Floating-Rate Multifamily Loans boast some of the lowest interest rates in the market, and can often be used effectively as a bridge loan due to its prepayment penalty flexibility. Floating-Rate loans are available for many different kinds of property types such as standard multifamily housing, manufactured housing communities, seniors housing, and Targeted Affordable Housing properties. Other benefits of this program are that these loans are typically non-recourse and allow for both the purchase and refinancing of multifamily properties.





Freddie Mac HUD Section 8 Financing

Freddie Mac HUD Section 8 Financing

Section 8 multifamily properties can provide investors with huge returns on their money. You can use a Freddie Mac HUD Section 8 multifamily loan to help finance the purchase of Section 8 apartment buildings and reap the benefits yourself. This product offers financing for multifamily properties supported by Section 8 project-based contracts or tenant-based vouchers through credit enhancements and/or cash loan purchases. Freddie Mac HUD Section 8 Financing comes in different varieties. Low-Income Housing Tax Credit (LIHTC) properties are eligible for 10 to 30 year terms while non- LIHTC properties are eligible for terms of 5 to 15 years. In addition, this Freddie Mac program allows investors to maximize their leverage with loans up to 90% LTV and as low as 1.15x DSCR for LIHTC properties, and up to 80% maximum LTV and as low as 1.20x DSCR or non-LIHTC buildings.





Freddie Mac Structured Pool Transaction Multifamily Loans


Freddie Mac Structured Pool Transaction Multifamily Loans

Freddie Mac Structured Pool Transaction multifamily loans offers a unique financing solution for those with substantial multifamily assets. This program is ideal for borrowers who want customized financing for their larger properties and/or portfolios. Since this program utilizes a loan component structure, borrowers have more flexibility on individual property strategy as the debt is not assigned at the asset level. Plus, the Freddie Mac Structured Pool Transaction Multifamily Loans program offers highly tailored and versatile loan terms such as a mix of fixed- or floating-rate debt, laddered maturities, different prepayment structures, and flexible release options. Most products offered by Freddie Mac are applicable such as conventional, targeted affordable, seniors housing, student housing and manufactured housing communities.





Freddie Mac Manufactured Housing Community Apartment Loans


Freddie Mac Manufactured Housing Community Apartment Loans

Freddie Mac offers highly customized multifamily loans for borrowers investing Manufactured Housing Communities (MHC). Freddie Mac Manufactured Housing Community Apartment Loans provide a highly affordable housing option for underserved populations where MHCs are a vitally important, and sometimes the only, source of affordable housing. With competitive pricing, flexible financing options, certainty, and speed of execution, these loans are a great option for borrowers looking to invest in MHCs. Typical loans will be non-recourse and eligible properties can qualify for up to 80% LTV. Additionally, Freddie Mac offers these loans in flexible 5, 7, and 10-year terms, with amortizations of up to 30 years. This provides high versatility to help satisfy each MHC borrower’s individual financing needs.





Freddie Mac Manufactured Housing Resident Owned Community Loan

Freddie Mac Manufactured Housing Resident Owned Community Loan

Manufactured housing communities are crucial parts of the American residential landscape. In many rural areas, these communities are the only source of affordable housing. Within the MHC arena, there are communities that are actually resident owned- meaning, even Americans on a budget can have an ownership stake within the place that they live. Freddie Mac offers great financing for these resident owned communities. The Freddie Mac Manufactured Housing Resident Owned Community Loan (MHROC) boasts great terms, such as LTV up to 70%, flexible 5 to 30 year fixed-rate terms and amortizations of up to 30 years. In addition, these loans are typically non-recourse, allow supplemental financing, and can be used for both acquisition purposes and seasoned refinancing transactions.





Freddie Mac Student Housing Multifamily Loans

Freddie Mac Student Housing Multifamily Loans

Since 2010, Freddie Mac has originated almost $10 billion through their multifamily student housing loan program. As a leader in the student housing finance sector, they offer extensive experience with this product type and can customize loans to fit every investor’s needs. Their experience with student housing multifamily loans enables Freddie Mac to understand not only student housing’s specific attributes but also the landscape of each market around each American university. Freddie Mac Student Housing Multifamily Loans provide incredibly flexible terms of between 5 and 10 years on loan amounts between $5 and $100 million. They can even lend up to 30 years for non-securitized, fixed-rate loans. Additionally, this program will finance up to 80% LTV and the loans are fully non-recourse. Interest-only student housing loans are available. Finally, Freddie Mac will finance all dedicated student property types including garden, cottage, mid-rise and high-rise properties.





Freddie Mac Green Advantage Loans

Freddie Mac Green Advantage Loans

Are you thinking about applying for a Freddie Mac multifamily loan for a conventional, seniors, or targeted affordable housing property? If so, you should definitely know that you could receive better terms and rates through the Freddie Mac Green Advantage Loans program. Essentially, Freddie Mac rewards investors who get a Green Assessment and commit to reducing their building's water and sewage usage by 30%. Investors who qualify and “go green” have the ability to receive higher leverage loans with lower interest rates and debt service coverage requirements. In addition, Freddie Mac will even reimburse investors up to $3,500 at closing for the costs of their energy assessment.





Freddie Mac Lease Up Multifamily Loans


Freddie Mac Lease Up Multifamily Loans

Are you looking for a multifamily loan to acquire or refinance a newly constructed apartment building? Look no further than the Freddie Mac Lease Up Multifamily Loans program. Freddie Mac Lease-Up Apartment Loans are available for many different multifamily property types including Conventional, Seniors, and Targeted Affordable buildings. Plus, these loans are non-recourse, can finance up 75% LTV, and permit eligible mixed-use properties. This great product allows borrowers to lock in a low interest rate and fund the loan before the property is fully stabilized. Freddie Mac offers fixed- and floating-rate loans to investors with properties in lease up. Additionally, interest-only options are also available during lease-up period.





Freddie Mac Moderate Rehab Multifamily Loan

Freddie Mac Moderate Rehab Multifamily Loan

Does your apartment building need some renovations? If so, Freddie Mac’s Moderate Rehab Loan may be the perfect solution for you. This program provides investors with the necessary funds to renovate their properties at the lowest possible cost. During the renovation process, borrowers can take out an interest only floating rate loan, and rather than accruing interest on unused funds loan proceeds are advanced monthly as requested. This program allows each borrower to achieve his or her financial needs as terms on Freddie Mac Moderate Rehab loans are very negotiable and versatile. These loans have been specifically crafted for investors planning on putting between $25,000 and $60,000 per unit into the property. This program will finance up to 80% LTV of the property’s as is value, offers flexible loan terms and amortizations, and an up to 36-month interest-only period during rehabilitation. Freddie Mac Moderate Rehab Multifamily Loans offer a flexible liquidity option for experienced sponsors who have successfully completed similar rehabilitation projects and who are familiar with Freddie Mac’s loan process.





Freddie Mac Student Housing Value Add Multifamily Loans

Freddie Mac Student Housing Value Add Multifamily Loans

Many student housing properties require rehab in order to make sure the property is up to par. The Freddie Mac Student Housing Value Add multifamily loan program offers investors a great financing solution to easily finance light repairs on their buildings. These loans are specifically crafted for student housing developments with planned repairs of between $10,000 to $25,000/unit. The loan terms on the Freddie Mac Student Housing Value Add Multifamily Loans program are pretty remarkable. They include LTV of up to 85%, interest-only terms and are non recourse. If you an investor in need of light rehab on your student housing property, this loan program may be the right one for you!





Freddie Mac Supplemental Multifamily Loans

Freddie Mac Supplemental Multifamily Loans

The Freddie Mac Supplemental Multifamily Loan program is perfect for investors with Freddie Mac loans who are looking for some additional financing. Freddie Mac Supplemental Multifamily Loans start at a minimum loan size of $1,500,000, can lend up to 80% LTV and are non-recourse. These great terms make this program an an incredibly attractive option for investors looking for extra financing to enhance their multifamily properties. There are two types of Freddie Mac Supplemental Loans. The first type is the Split Supplemental Loan. This loan is originated at the same time as the original Freddie Mac loan. The second type is the Seasoned Supplemental Loans. These loans must be originated at least 12 months after the original loan closing. Additionally, Freddie Mac allows borrowers to take out more than one Supplemental Loan during the life of their original Freddie Mac loan, as long as there is a 12-month period after the origination of the previous loan.





Freddie Mac Value Add Multifamily Loans

Freddie Mac Value Add Multifamily Loans

Does your multifamily property need some modest renovations? If so, a Freddie Mac Value Add Multifamily Loans could be the perfect solution for you. This program offers borrowers short-term and cost-effective financing for light property upgrades and renovations. Borrowers receive competitive pricing and lower overall closing costs. Both interest-only and uncapped floating-rate loans are available. As opposed to the Freddie Mac Moderate Rehab Loan program (created to finance substantial renovations) this loan program is intended to fund modest renovations of between $10,000 and $25,000 per unit. With terms like non-recourse loans and LTV up to 85%, the Freddie Mac Value Add program is perfect for multifamily developers who need extra funds to some light rehab work on their properties.





Freddie Mac Cash Loans for Affordable Housing Preservation

Freddie Mac Cash Loans for Affordable Housing Preservation

Are you looking to purchase or refinance an apartment building with affordable housing? The Freddie Mac Cash Loan for Affordable Housing Preservation may be the perfect financing solution for you. With flexible options such as 15 year terms, 30 year amortization and LTV up to 80%, this loan makes for an excellent way for investors to preserve affordable housing. Through this program borrowers receive quick and efficient one-stop shopping, lower fees, and interest rate protection for the whole loan term.





Freddie Mac Non-LIHTC Forward Multifamily Loans

Freddie Mac Non-LIHTC Forward Multifamily Loans

Freddie Mac’s Non-LIHTC Forward Multifamily Loans helps to both create and maintain affordable housing through flexible transaction terms and certainty of execution at lower expense to the borrower. Whether the subject property is new construction or a major rehabilitation project, investors are able to procure the loans they need for affordable multifamily properties funded by public or mission-driven financial investment. This program offers both non-profits and for-profits forward commitments to provide permanent financing upon the successful conversion of the property from the construction phase to the permanent phase. It offers up to 80% LTV with 30 year amortizations. Borrowers looking for unique pricing and execution to create affordable housing should definitely take a look the Freddie Mac Non-LIHTC Forward Multifamily Loan program.





Freddie Mac Seasoned Loan Pool Credit Enhancement

Freddie Mac Seasoned Loan Pool Credit Enhancement

The Freddie Mac Seasoned Loan Pool Credit Enhancement program provides flexible and cost-effective financing options for small financial institutions looking to achieve a loss sharing arrangement with Freddie Mac. This program provides loss sharing options to small financial institutions so they can continue to grow and support affordable housing. Freddie Mac will underwrite the entire pool of seasoned loans and then offer credit protection for a senior position in the loan pool.





Freddie Mac Tax-Exempt Multifamily Loans

Freddie Mac Tax-Exempt Multifamily Loans

The Freddie Mac Tax-Exempt Multifamily Loans program (TELs) offers borrowers a cost-effective and efficient solution for those looking for tax-exempt financing. This program helps borrowers save time and money when looking to acquire or refinance affordable multifamily properties with tax-exempt debt. The Freddie Mac TEL is a wonderful alternative to tax-exempt bond credit enhancements with 4% LIHTCs. This program offers immediate funding and forwards and interest-only options. In addition, their streamlined process means less paperwork and expense than traditional bond credit enhancements.





Freddie Mac Bond Credit Enhancement with Other Affordability Components Multifamily Loans

Freddie Mac Bond Credit Enhancement with Other Affordability Components Multifamily Loans

This Freddie Mac Bond Credit Enhancement with Other Affordability Components Multifamily Loans program provides investors with a great financing solution in order to preserve affordable housing. This program offers incredibly flexible transaction structuring, certainty of execution at lower cost to the borrower. The program can be used for different fixed- or variable-rate multifamily housing bonds including: bond refundings, substitutions, or new issue transactions with 80-20 bonds, taxable bonds in combination with tax-exempt bonds, 501(c)(3) bonds, Section 8, Section 236, or tax abatements. With terms between 10- 30 years, amortization up to 30 years and LTV up 90% of adjusted value, this Freddie Mac Bond Credit Enhancement program is definitely worth a look for investors in the affordable housing space.





Freddie Mac Low Income Housing Tax Credits Enhancement Multifamily Loans

Freddie Mac Low Income Housing Tax Credits Enhancement Multifamily Loans

Are you currently a borrower with the Freddie Mac Bond Credit Enhancements, Freddie Mac Tax-Exempt Loans (TELs), or Freddie TAH Cash Loans multifamily programs? If so, the Freddie Mac Low Income Housing Tax Credits Enhancement Multifamily Loans program can help to provide you additional protection in the event of a foreclosure. In the event that Freddie Mac forecloses on the property, this program provides investors with a make-whole payment based upon the initial investment. This program assists with mixed-income rental housing financed with Freddie Mac Senior Debt and is just another way Freddie Mac is helping to support workforce housing.





Freddie Mac Preservation Rehabilitation Multifamily Loans

Freddie Mac Preservation Rehabilitation Multifamily Loans

The Freddie Mac Preservation Rehabilitation Multifamily Loans program provides investors with a great financing solution to renovate affordable housing properties with low income housing tax credits. This product can be used with bond credit enhancements with 4% LIHTC, tax-exempt loans with 4% LIHTC and 9% LIHTC cash loans. These loans offer terms of up to 15 years, amortizations up to 30 years, LTV up to 80% of market value, and DSCRs as low as 1.25x.





Freddie Mac Tax-Exempt Bond Securitization Multifamily Loans

Freddie Mac Tax-Exempt Bond Securitization Multifamily Loans

The Freddie Mac Tax-Exempt Bond Securitization (TEBS) Multifamily Loans program provides liquidity to tax-exempt bondholders investing in the multifamily affordable housing market. Through the TEBS program, the sponsor transfers portfolios of unrated bonds to Freddie Mac in exchange for rated M-class certificates. The sponsor will typically receive Class A- M-Certificates (which are sold to other investors) and subordinate Class-B M Certificates (which are typically kept by the sponsor). This program helps sponsors and investors reduce risk, enhance liquidity, manage balance sheets and improve yields.





Freddie Mac Seniors Housing Multifamily Loans

Freddie Mac Seniors Housing Multifamily Loans

The Freddie Mac Seniors Housing Multifamily Loans program offers incredible financing solutions for borrowers looking to invest in Senior Housing multifamily developments. This program is designed for investors who want to either acquire or refinance properties designated and built as seniors housing properties. It offers flexible, multiple terms for a variety of housing property types — independent living properties, assisted living properties, memory care properties and senior properties with a limited amount of skilled nursing. With terms and amortization up to 30 years and the ability to finance up to 75% LTV, this program is the perfect option for investors looking to expand affordable senior housing.





Freddie Mac 9% Low Income Housing Tax Credits Cash Multifamily Loans

Freddie Mac 9% Low Income Housing Tax Credits Cash Multifamily Loans

Are you looking to purchase, refinance or substantially renovate an affordable property with 9% Low-Income Housing Tax Credits? If so, you’ll definitely want to take a look at the Freddie Mac 9% Low Income Housing Tax Credits Cash Multifamily Loans program. This program is incredibly flexible and can serve a wide array of purposes for different borrowers. The program offers forward commitments, immediate financing and preservation rehabilitation financing. With terms such as a maximum of 90% LTV and DSCR’s as low as 1.15x, this program is the perfect option for investors in affordable housing properties




Freddie Mac Bridge to Resyndication Multifamily Loans

Freddie Mac Bridge to Resyndication Multifamily Loans

Are you looking for a bridge loan to acquire or refinance a Low Income Housing Tax Credit (LIHTC) apartment building? The Freddie Mac Bridge to Resyndication Loan provides an incredible solution offering borrowers efficient, short-term and cost effective bridge financing. By utilizing 4 percent LIHTC’s and long term Freddie Mac financing, this program is a much-needed bridge that helps to position properties for further recapitalization. Bridge to Resyndication loans are offered with term lengths of 24-months, allow for LTVs of up to 85%, require DSCRs as low as 1.15x, and are interest-only.




Freddie Mac NOAH Preservation Multifamily Loans

Freddie Mac NOAH Preservation Multifamily Loans

The Freddie Mac NOAH Preservation Multifamily Loan Program offers great financing solutions for non-profits looking to preserve American affordable housing. This loan program is designed to assist nonprofit organizations in acquiring Naturally Occurring Affordable Housing (NOAH) apartment buildings in order to maintain rents at affordable prices. The program provides qualifying nonprofits with critical underwriting flexibilities, fee reductions and rehab allowances in order to support their long-term preservation of naturally occurring affordable housing. Some key aspects of the Freddie Mac NOAH Preservation Multifamily Loan Program are that it allows up to 80% LTV, permits DSCRs as low as 1.20x, and has flexible loan terms and amortizations of up to 15 and 30 years respectively.




Freddie Mac Seasoned Loan Securitization

Freddie Mac Seasoned Loan Securitization

The Freddie Mac Season Loan Securitization Loans program (also known as “Q series”) provides liquidity to small financial institutions in order to allow them to continue to grow affordable housing. This program offers a flexible securitization structure and allows these institutions to remove seasoned loans from their balance sheets. Freddie Mac will underwrite the whole pool of seasoned loans and ensures the payment of principal and interest on the securities. In addition, this program offers great terms with LTV up to 80% and a 30 year amortization schedule.




Freddie Mac Bond Credit Enhancement with 4% LIHTC Multifamily Loans

Freddie Mac Bond Credit Enhancement with 4% LIHTC Multifamily Loans

The Freddie Mac Bond Credit Enhancement with 4% LIHTC Multifamily Loan Program is the perfect solution for investors looking to finance properties with low income housing tax credits. This program provides investors with forward commitments provide bond credit enhancement post-construction or substantial rehab. In addition, this program offers immediate funding for acquisition and refinancing of properties that can maintain 90% occupancy for 90 days. Plus, this program has both fixed and variable-rate options, supports eligible mixed-use properties, and can support DSCRs as low as 1.15x. 
Through these options, the Freddie Mac Bond Credit Enhancement with 4% LIHTC Multifamily Loan program helps to preserve affordable housing options with flexible transaction structures, lower costs and certainty of execution.





The Freddie Mac SBL program offers a combination of benefits and features not available anywhere else.  Whether your objective is to buy additional property, get a lower rate on an existing loan, or take cash out of an existing property, Freddie Mac has the strength and expertise to get you to the closing table faster than most other lenders.

 

Recent TRUSTPILOT Reviews

Select Commercial Funding Reviews from TRUSTPILOT

A three year journey
"Thanks Stephen for all of your hard work in getting our deal closed! I appreciate your professionalism and patience throughout a complicated process. You always were there for my partner and I whenever we had questions and needed answers quick. It was a pleasure to have worked with you and Select Commercial!"