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How Does Regional Pricing Work for the Freddie Mac SBL Program?

July 14, 2019 By Janover Ventures

Regional Pricing for Freddie Mac Small Balance Loans

The Freddie Mac Optigo Small Balance Loan program recently changed the way interest rates are determined. In addition to each area being classified as a Top, Standard, Small, or Very Small Market, a new regional pricing system is used, with the U.S. being divided into 5 distinct regions.

Northeast

Delaware, Pennsylvania, New Jersey, New York, Rhode Island, Connecticut, Massachusetts, Vermont, New Hampshire, Maine

Market Tiers5-Year Hybrid7-Year Hybrid10-Year Hybrid5-Year Fixed7-Year Fixed10-Year Fixed
Top Markets4.23%4.37%4.57%4.23%4.42%4.57%
Standard Markets4.51%4.52%4.61%4.66%4.62%4.66%
Small Markets4.90%4.76%4.95%4.90%4.86%5.00%
Very Small5.11%4.95%5.11%5.11%5.05%5.16%

Southeast

Arkansas, Louisiana, Mississippi, Tennessee, Alabama, Georgia, Florida, South Carolina, North Carolina, Virginia, West Virginia, Maryland

Market Tiers5-Year Hybrid7-Year Hybrid10-Year Hybrid5-Year Fixed7-Year Fixed10-Year Fixed
Top Markets4.18%4.42%4.47%4.23%4.47%4.47%
Standard Markets4.51%4.57%4.61%4.56%4.67%4.66%
Small Markets4.85%4.71%4.70%4.85%4.81%4.75%
Very Small5.06%4.90%5.06%5.06%5.00%5.11%

North Central

North Dakota, South Dakota, Nebraska, Kansas, Missouri, Iowa, Minnesota, Wisconsin, Michigan, Illinois, Missouri, Indiana, Ohio, Kentucky

Market Tiers5-Year Hybrid7-Year Hybrid10-Year Hybrid5-Year Fixed7-Year Fixed10-Year Fixed
Top Markets4.18%4.42%4.57%4.28%4.47%4.57%
Standard Markets4.51%4.57%4.66%4.56%4.67%4.71%
Small Markets4.85%4.71%4.70%4.85%4.81%4.75%
Very Small5.06%4.90%5.06%5.06%5.00%5.06%

South Central

Montana, Wyoming, Colorado, New Mexico, Texas, Oklahoma

Market Tiers5-Year Hybrid7-Year Hybrid10-Year Hybrid5-Year Fixed7-Year Fixed10-Year Fixed
Top Markets4.13%4.37%4.57%4.18%4.42%4.57%
Standard Markets4.61%4.52%4.66%4.66%4.62%4.71%
Small Markets4.85%4.71%4.70%4.90%4.81%4.75%
Very Small5.06%4.90%5.06%5.11%5.00%5.11%

Western

Washington, Oregon, Idaho, California, Nevada, Utah, Arizona, Alaska

Market Tiers5-Year Hybrid7-Year Hybrid10-Year Hybrid5-Year Fixed7-Year Fixed10-Year Fixed
Top Markets4.08%4.27%4.42%4.23%4.57%4.47%
Standard Markets4.56%4.52%4.66%4.71%4.67%4.76%
Small Markets4.85%4.71%4.9%4.9%4.86%4.95%
Very Small5.06%4.90%5.06%5.11%5.05%5.11%

Filed Under: Freddie Mac Multifamily, Freddie Mac SBL, Freddie Small Balance Loans, Frequently Asked Questions, Uncategorized Tagged With: Freddie Mac Optigo, Freddie Mac SBL, Freddie Mac Small Balance Loans

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7601 N Federal Hwy. Ste B140
Boca Raton Florida 33487

Call: (800) 567-9631
Email: hello@multifamily.loans

 

Information

Loan Facts

Terms, Qualifications, and Guidelines

Term Sheet

Interest Rates

Portfolio Loans

 

Knowledge Base

Frequently Asked Questions

Glossary

Application

Application Process

Third Party Reports

Appraisal Process

Environmental Assessments

Property Condition Reports