Multifamily Loans Above $5 Million - DMBS Apartment Financing - Fannie Mae DUS Lender Program

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Your Single Choice in Multifamily Lending

	Small Balance Apartment Loans
	For apartment loans under $5 million, please visit CommercialBanc's Small Balance Apartment Loan Program page.

Today's Apartment Loan Rates

Fixed

Rate

Term

Amort

LTV

Banc Agency Series

5-yr	3.04%	5-yr	30-yr	55%
5-yr	3.26%	5-yr	30-yr	65%

5-yr	3.46%	5-yr	30-yr	75%
7-yr	3.34%	7-yr	30-yr	55%

7-yr	3.56%	7-yr	30-yr	65%
7-yr	3.76%	7-yr	30-yr	80%

10-yr	3.87%	10-yr	30-yr	55%
10-yr	4.09%	10-yr	30-yr	65%

10-yr	4.29%	10-yr	30-yr	80%
12-yr	4.07%	12-yr	30-yr	55%

12-yr	4.29%	12-yr	30-yr	65%
12-yr	4.49%	12-yr	30-yr	80%

15-yr	4.41%	15-yr	30-yr	55%
15-yr	4.63%	15-yr	30-yr	65%

15-yr	4.83%	15-yr	30-yr	80%
30-yr	4.92%	30-yr	30-yr	55%

Rates assume $3MM min loan size
Click for rates under $3MM

HUD FHA 223(f)

35-yr

2.95%

35-yr

83%

HUD FHA 221(d)(4)

40-yr

3.45%

40-yr

83%

Banc Plus Series

5-yr	3.86%	30-yr	30-yr	75%
7-yr	4.69%	30-yr	30-yr	75%

10-yr

5.13%

30-yr

75%

Rates Updated Daily

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Mobile Home Park Loans available. Add 20 bps to the rate.

HUD FHA 223(f) and HUD FHA 221(d)(4) apartment financing rates don't include MIP

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Home > Apartment Loan Center > Large Balance Program

CommercialBanc Large Balance Apartment Loans

CommercialBanc's Large Balance Apartment Loan Program provides borrowers with apartment financing needs in excess of $5 million highly competitive, flexible, and financing solutions for multifamily properties including, seniors housing, student housing, affordable housing, and manufactured community housing properties.

With funding sources including its own portfolio, insurance companies, REITs, conduits, and direct correspondents of both the Fannie Mae DUS™ Lender program and Freddie MAC, CommercialBanc provides the nation's most competitive and aggressive apartment financing for apartment loans above $5 million.

Agency-Series Large Balance Apartment Loan Program

CommercialBanc's Agency-Series™ Apartment Loan Program provides highly customizable products that can be structured around an individual's borrowing needs and property constraints to accomplish the desired investment objectives.

Customizable Fixed Rate Terms -- 5, 7, 10, 15, 18, 20, 25, & 30 Yr. Terms

Defeasance, Yield Maintenance, and Decreasing Term Prepayment Options

High Leverage to 80% LTV With 5% Mezzanine Financing for 85% CLTV

Single or Multi-Asset Properties

Cash, MBS, or DMBS Execution

365 Day Extended Rate Locks

Balloon or Non-Balloon Terms

Non-Recourse Above $1.5 Million

Tiered Risk-Based Pricing

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Agency-Series Multifamily Loan Program Options

Fixed+1™: Provides borrowers with the flexibility of having no prepayment penalty by combining a fixed-rate period of 5-15 years followed by a 1 year adjustable rate period where the apartment loan can be prepaid without incurring a prepayment premium.

Extended Rate Lock: Allows borrowers to lock a fixed-rate up to 365 days prior to closing to hedge against adverse interest rate risk in a volatile or rising interest rate market.

Fannie Mae DUS Plus: Standard Fannie Mae DUS multifamily loan program combined with mezzanine financing to provide borrowers with additional leverage, maximum 85% CLTV.

Supplemental Loans: Allows borrowers to obtain additional proceeds on properties where initial multifamily loan has been in place a minimum of 12 months.

MultiRateMortgage: Highly customized product combines the savings of short-term interest rates with the certainty of fixed long-term interest rates.

DMBS Large Balance Apartment Loan Program

The DMBS program uses short-term discount securities to fund the mortgage for the acquisition or refinance of multifamily, seniors, and student housing properties.

For multifamily loans above $25 million, DMBS provides borrowers with substantially lower interest rates through variable-rate pricing with the ability to convert to a fixed-rate at any DMBS maturity date.

DMBS are non-interest bearing securities sold at a discount and repaid at par with a 3 month maturity, at which point the DMBS may be rolled over into a new DMBS or converted to a fixed-rate multifamily loan.

Low-Cost Variable Rate Apartment Financing

Ability to Convert to a Fixed Rate Apartment Loan at DMBS Maturity

No Yield Maintenance Prepayment - Fee Maintenance or 1% Prepayment Fee

Single or Multi-Asset Properties

5, 7, or 10 Year Terms

Interest Only Payment Option

Multi-Asset Minimum $50 Million

Up to 30 Year Amortizations

Supplemental Loan Eligibility

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Apartments loan availability -- including LTV, DSCR, and loan size -- may vary depending on property location, economic conditions, exposure, and other variables that may negatively influence risk.

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Small Balance Apartment Loans

CommercialBanc Large Balance Apartment Loans

Agency-Series Large Balance Apartment Loan Program

Agency-Series Multifamily Loan Program Options

DMBS Large Balance Apartment Loan Program