Today's Freddie Mac Multifamily Loan Rates
Freddie Mac Multifamily Rates - Updated 3/26/25
| Freddie Mac Multifamily Rates Over $6,000,000 | Free Loan Quote | ||
|---|---|---|---|
| Loan Type | Rate* | LTV | |
| Multifamily 5 Year Fixed Loan Rates | 5.35% | Up to 80% | |
| Multifamily 7 Year Fixed Loan Rates | 5.36% | Up to 80% | |
| Multifamily 10 Year Fixed Loan Rates | 5.39% | Up to 80% | |
| Freddie Mac Multifamily Rates Under $6,000,000 | Free Loan Quote | ||
|---|---|---|---|
| Loan Type | Rate* | LTV | |
| Multifamily 5 Year Fixed Loan Rates | 5.70% | Up to 80% | |
| Multifamily 7 Year Fixed Loan Rates | 5.72% | Up to 80% | |
| Multifamily 10 Year Fixed Loan Rates | 5.75% | Up to 80% | |
2025 Freddie Mac Multifamily Loan Outlook
As of 2025, Freddie Mac continues to be a significant force in the multifamily housing finance sector. The Federal Housing Finance Agency (FHFA) has set Freddie Mac's multifamily loan purchase cap at $73 billion for 2025, with a requirement that at least 50% of these purchases focus on mission-driven affordable housing initiatives. This aligns with Freddie Mac’s commitment to supporting rental housing stability across the United States.
For those interested in historical loan data, Freddie Mac offers the Multifamily Loan Performance Database (MLPD), which includes detailed information on a subset of Freddie Mac’s multifamily loans dating back to 1994. This resource allows lenders, investors, and policymakers to analyze loan trends and performance.
As the multifamily housing landscape continues to evolve, Freddie Mac remains dedicated to supporting affordable housing and ensuring the long-term stability of the rental market.
Freddie Mac Multifamily Loan Benefits
Freddie Mac Multifamily Loan rates start as low as 5.35% (as of March 26th, 2025)
• 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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Freddie Mac Multifamily Loan Programs
Freddie Mac offers a broad range of multifamily financing solutions tailored to meet the needs of property investors, developers, and affordable housing providers. These loans are designed to support rental housing, senior living, student housing, and manufactured housing communities. With competitive rates, flexible terms, and government-sponsored backing, Freddie Mac’s multifamily loans provide stability and liquidity to the housing market. Below are the primary Freddie Mac multifamily loan programs available:
Freddie Mac Multifamily Large Balance Loan Program
The Freddie Mac Large Balance Multifamily Loan program is tailored for investors seeking financing for substantial rental properties, with loan amounts starting at $5 million and exceeding $100 million. These loans offer competitive fixed and floating rate options, high leverage, non-recourse terms, and flexible structures, making them an ideal choice for acquiring, refinancing, or upgrading large-scale multifamily assets.
Learn MoreFreddie Mac Multifamily Small Balance Loan Program
The Freddie Mac Small Balance Multifamily Loan program is designed for smaller rental properties, offering financing for loan amounts between $1.5 million and $7.5 million. These loans provide flexible fixed and floating rate options, streamlined underwriting, and lower transaction costs, making them an excellent choice for investors looking to finance stabilized properties without the complexity of traditional commercial loans.
Learn MoreFreddie Mac Multifamily Fixed Rate Conventional Loan Program
The Freddie Mac Fixed Rate Conventional Multifamily Loan program provides predictable long-term financing with fixed interest rates for the acquisition or refinancing of stabilized multifamily properties. Borrowers can secure terms of up to 30 years, high loan-to-value (LTV) ratios, and competitive rates, making them a popular option for investors seeking stability and low-interest costs.
Learn MoreFreddie Mac Multifamily Floating Rate Loan Program
The Freddie Mac Floating Rate Multifamily Loan program provides borrowers with flexibility in changing interest rate environments. These loans typically offer adjustable rates based on SOFR (Secured Overnight Financing Rate) or other indices, with options for interest rate caps and conversion to fixed rates. They are ideal for investors looking to take advantage of lower short-term borrowing costs.
Learn MoreFreddie Mac Multifamily HUD Section 8 Financing Program
The Freddie Mac HUD Section 8 Financing program provides specialized financing for Section 8 housing properties, ensuring long-term affordability for low-income tenants. This program supports acquisitions, refinancing, and rehabilitations, offering favorable loan terms for investors committed to maintaining affordable housing communities.
Learn MoreFreddie Mac Multifamily Structured Pool Transaction Loan Program
The Freddie Mac Structured Pool Transaction Multifamily Loan program allows investors to finance multiple properties under a single structured loan transaction. By pooling assets, borrowers can secure better terms, simplify loan management, and improve portfolio efficiency, making it an excellent option for institutional investors with multiple properties.
Learn MoreFreddie Mac Multifamily Manufactured Housing Community Apartment Loan Program
The Freddie Mac Manufactured Housing Community Apartment Loan program provides financing for manufactured housing communities (MHCs), offering competitive terms for borrowers looking to acquire, refinance, or improve properties in this growing sector. It supports both single-owner and investor-owned communities.
Learn MoreFreddie Mac Multifamily Student Housing Loan Program
The Freddie Mac Student Housing Multifamily Loan program is designed for student housing properties near universities, offering financing with flexible terms, high LTVs, and competitive interest rates. Eligible properties can include purpose-built student housing and conventional multifamily units catering to college students.
Learn MoreFreddie Mac Multifamily Green Advantage Loan Program
The Freddie Mac Green Advantage Loan program offers financing incentives for property owners who commit to energy and water efficiency improvements. Borrowers can qualify for reduced interest rates and increased loan proceeds by meeting sustainability benchmarks.
Learn MoreFreddie Mac Multifamily Lease-Up Loan Program
The Freddie Mac Lease Up Multifamily Loan program provides financing for newly constructed or recently renovated multifamily properties that are in the lease-up phase. Borrowers can secure permanent financing before reaching full occupancy, allowing for smoother transitions and improved cash flow management.
Learn MoreFreddie Mac Multifamily Value-Add Loan Program
The Freddie Mac Value Add Multifamily Loan program allows investors to secure financing for properties that require moderate renovations to increase rental income and occupancy rates. This program provides interest-only options during the renovation period, followed by permanent financing.
Learn MoreFreddie Mac Multifamily Seniors Housing Loan Program
The Freddie Mac Seniors Housing Multifamily Loan program offers specialized financing for senior housing communities, including independent living, assisted living, and memory care facilities. This program provides flexible loan terms, high leverage, and competitive pricing for investors in the senior housing market.
Learn MoreFreddie Mac Multifamily Tax-Exempt Bond Securitization Loan Program
The Freddie Mac Tax-Exempt Bond Securitization (TEBS) Multifamily Loan program enables housing finance agencies and borrowers to securitize tax-exempt bonds into Freddie Mac-backed mortgage-backed securities, providing liquidity and lowering borrowing costs for affordable housing developers.
Learn MoreFreddie Mac Multifamily Float-to-Fixed Rate Loan Program
The Freddie Mac Float to Fixed Rate Loan program provides initial floating-rate financing with the option to convert to a fixed rate. This loan is designed for borrowers looking to capitalize on short-term rate savings while securing long-term stability.
Learn MoreFreddie Mac Multifamily Manufactured Housing Resident-Owned Community Loan Program
The Freddie Mac Manufactured Housing Resident-Owned Community Loan program offers financing solutions that empower residents to purchase and manage their communities, ensuring long-term affordability and stability.
Learn MoreFreddie Mac Multifamily Moderate Rehab Loan Program
The Freddie Mac Moderate Rehab Multifamily Loan program provides flexible financing for properties undergoing moderate renovations, allowing investors to enhance value and maximize rental income.
Learn MoreFreddie Mac Multifamily Student Housing Value-Add Loan Program
The Freddie Mac Student Housing Value Add Multifamily Loan program finances student housing properties undergoing renovations, offering interest-only periods followed by permanent financing for stabilized assets.
Learn MoreFreddie Mac Multifamily Supplemental Loan Program
The Freddie Mac Supplemental Multifamily Loan program allows existing borrowers to secure additional financing without refinancing their original loan, offering flexibility for capital improvements or new investments.
Learn MoreFreddie Mac Multifamily Cash Loan for Affordable Housing Preservation
The Freddie Mac Cash Loan for Affordable Housing Preservation program offers financing solutions to help maintain and preserve affordable housing, ensuring long-term stability for low-income communities.
Learn MoreFreddie Mac Multifamily Non-LIHTC Forward Loan Program
The Freddie Mac Non-LIHTC Forward Multifamily Loan program provides forward commitments for affordable housing developments that do not utilize Low-Income Housing Tax Credits (LIHTC). This program ensures long-term financing stability for developers committed to affordability.
Learn MoreFreddie Mac Multifamily Seasoned Loan Pool Credit Enhancement Program
The Freddie Mac Seasoned Loan Pool Credit Enhancement program provides credit enhancements for pools of seasoned multifamily loans, improving liquidity and reducing risk for investors.
Learn MoreFreddie Mac Multifamily Tax-Exempt Loan Program
The Freddie Mac Tax-Exempt Multifamily Loan program offers financing solutions for affordable housing developments using tax-exempt bonds, ensuring lower borrowing costs and long-term affordability.
Learn MoreFreddie Mac Multifamily Bond Credit Enhancement with Other Affordability Components Program
The Freddie Mac Bond Credit Enhancement with Other Affordability Components Multifamily Loan program provides credit enhancement for bonds combined with other affordability measures, ensuring the long-term viability of affordable housing developments.
Learn MoreFreddie Mac Multifamily Low Income Housing Tax Credits Enhancement Loan Program
The Freddie Mac Low Income Housing Tax Credits Enhancement Multifamily Loan program supports affordable housing projects by enhancing financing structures that utilize Low Income Housing Tax Credits (LIHTC), making it easier for developers to secure funding.
Learn MoreFreddie Mac Multifamily Preservation Rehabilitation Loan Program
The Freddie Mac Preservation Rehabilitation Multifamily Loan program provides financing to preserve and rehabilitate aging affordable housing properties, ensuring continued affordability and improving property conditions.
Learn MoreFreddie Mac Multifamily 9% LIHTC Cash Loan Program
The Freddie Mac 9% LIHTC Cash Multifamily Loan program provides financing for affordable housing projects utilizing the 9% Low Income Housing Tax Credit (LIHTC), ensuring long-term viability and affordability.
Learn MoreFreddie Mac Multifamily Bridge to Resyndication Loan Program
The Freddie Mac Bridge to Resyndication Multifamily Loan program offers short-term bridge financing for affordable housing properties preparing for resyndication under LIHTC programs.
Learn MoreFreddie Mac Multifamily NOAH Preservation Loan Program
The Freddie Mac NOAH Preservation Multifamily Loan program provides financing to preserve Naturally Occurring Affordable Housing (NOAH), ensuring long-term affordability without government subsidies.
Learn MoreFreddie Mac Multifamily Seasoned Loan Securitization Program
The Freddie Mac Seasoned Loan Securitization Loan program enhances liquidity by securitizing pools of seasoned multifamily loans, allowing investors to optimize their portfolios.
Learn MoreFreddie Mac Multifamily Bond Credit Enhancement with 4% LIHTC Loan Program
The Freddie Mac Bond Credit Enhancement with 4% LIHTC Multifamily Loan program provides credit enhancements for tax-exempt bonds paired with 4% LIHTC, ensuring strong financing support for affordable housing projects.
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