Get a quick multifamily agency loan quote

Ready Capital is one of the nation’s top Freddie Mac CRE lenders. We specialize in small balance agency loans for multifamily investment properties.

Start our secure, no-obligation process, and take an informed step forward in your agency financing journey — no origination fees.

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The questionnaire will not affect your credit score.
Loan quotes typically turned within 24 hours.
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Multifamily financing success

Here's what others have said about working with Ready Capital.

It was an absolute pleasure working with Ready Capital — the entire process was very smooth.

Simon Brown

Commercial Advisor

Thanks to Ready Capital for completing my loan quickly. I appreciate the effort made to push it across the finish line.

Lane Sanford

Principal, CRE asset owner

Mutifamily loans originated
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Years average team member experience in small balance multifamily
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Why loan sponsors choose Ready Capital
for their multifamily investments

Financing multifamily property just got easier with Ready Capital. Direct, fast, no-hassle financing brought to you by a Freddie Mac lending expert.

No origination fees

Hassle-free & speedy execution

Leading small balance since 2013


Freddie Mac Multifamily Mortgages (5 or more units)

We offer Freddie Mac small balance loans to invest towards a multifamily property — from $1 million to $7.5 million. Ready Capital is committed to delivering quick closings backed by flexibility and common-sense underwriting.

Freddie Mac SBL for Multifamily Investment Properties

Our Freddie Mac Small Balance Loan (SBL) program operates nationwide, with fast answers, superior process transparency, and results you can count on.

By going direct, investors avoid paying origination fees on loans.

We specialize in small balance multifamily, so your loan is always our priority.

Even if rates should increase after, the lending rate you lock in at Letter of Intent (LOI) will not.

We get you upfront pricing sooner and never sit on information, so you get to closing faster.

We offer flexible payment terms from 10-20 years, so you can control your spending picture.

Whatever the risk level of your loan (up to 80% LTV), you’re covered.

Loan Terms for Freddie Mac Small Balance

Loan Amount $1 million to $7.5 million
Property Type Multifamily properties with 5 or more units
Closing Speed Closings as little as 60 days
Fees No origination fees
Loan Term 5 years to 20 years
Leverage Up to 80% loan-to-value ratio
Rate Type Interest Only (IO) available

Just some of the 1,000+ multifamily properties financed by Ready Capital

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Have a question about multifamily financing?


To be eligible for a Freddie Mac multifamily loan, you need a credit score minimum of 650 — less than the credit score required by Fannie Mae.

Lending rates are as low as 5.5% (as of May 19, 2023).

To get a rate and financing quote for your specific region and loan needs, provide your information within the form below — and we’ll respond within about 24 hours Monday to Friday.

In addition to enjoying Freddie Mac Optigo (select multifamily lender) status, Ready Capital specializes in CRE small balance loans (SBL).

While other lenders may give priority to larger loan borrowers, we are dedicated to the $1 million to $7.5 million cohort — and that means we can respond and move your project forward faster.

No. Although we welcome borrowers and brokers alike, we’re able to work directly with borrowers to execute multifamily loans with no origination fee.

Yes, a significant portion of our multifamily financing partnerships come in the form of cash out refinance.

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Receive a fast multifamily mortgage quote

This preliminary questionnaire will not affect your credit score. Loan quotes typically turned within 24 hours.
Ready Capital respects your privacy. Read our privacy policy.

For help, call us at +1 609-848-1761 during regular US business hours.