Multifamily — Freddie Mac

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<div><a class="no-decoration" href="https://learn-optigo.freddiemaclearning.com/" > <div class="card background-white no-margin-bottom-large" data-equalizer-watch="" >  <div class="card-image " > <img loading="lazy" src="https://freddiemac.widen.net/content/demf24wnrs/png/MF_MF_741547691_nav_lenders-myoptigo.jpg?position=c&color=ffffff00&quality=80&u=t2r8bw" alt="Woman taking training on a laptop computer" /> </div> <div class="card-section"> <h3 class="h4 weight-medium">Optigo Academy</h3> <p class="flex-child-grow"> On-demand learning and live, interactive webinars. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <div class="tbm-block"> <div class="block-inner"> <div><a class="no-decoration" href="https://my.optigo.com/" > <div class="card background-white no-margin-bottom-large" data-equalizer-watch="" >  <div class="card-image " > <img src="/sites/g/files/ynjofi151/files/styles/640xautoheight/public/myOptigo_Login.png?itok=BeBuE6Jt" width="560" height="429" alt="myOptigo Login Screen" loading="lazy" /> </div> <div class="card-section"> <h3 class="h4 weight-medium">myOptigo<sup>®</sup></h3> <p class="flex-child-grow"> We're making business easier with myOptigo<sup>®</sup>. Access your Optigo<sup>®</sup> account today to get work done. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="tbm-submenu tbm-item-child grid-container fluid sub-nav dropdown-pane show-for-xlarge tb-megamenu-submenu dropdown-menu mega-dropdown-menu nav-child" role="list" data-hover="true" data-hover-pane="true" data-dropdown=" " aria-labelledby="section-investors" id="investors-sub-nav" > <div class="grid-x"> <div class="cell"> <div class="menu-close"> <button type="button" class="close-button" data-close="" aria-label="Close navigation"> <svg aria-hidden="true" viewbox="0 0 21 21" style="width:1.3125rem;height:1.3125rem;" xmlns="http://www.w3.org/2000/svg"><g fill="#25457C" fill-rule="evenodd"><path d="M2.504.6l17.99 17.82-1.998 1.98L.506 2.58z"/><path d="M18.496.6L.506 18.42l1.998 1.98 17.99-17.82z"/></g></svg> </button> </div> <div class="grid-container dropdown-content"> <div class="grid-x grid-margin-x" data-equalize="" data-equalize-on="xlarge"> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <ul class="tbm-subnav level-2 items-4 menu vertical tb-megamenu-subnav mega-nav" role="list"> <li class="weight-medium"> <span class="tbm-link level-3 no-link main-nav-item match-menu-anchor inline-block tbm-no-submenu" tabindex="0"> Investors </span> </li> <li > <a href="/investors" class="tbm-link level-3 main-nav-item"> Overview </a> </li> <li > <a href="/investors/securities-crt-products" class="tbm-link level-3 main-nav-item"> Securities and CRT Products </a> </li> <li > <a href="/investors/impact-bonds" class="tbm-link level-3 main-nav-item"> Impact Bonds </a> </li> </ul> </div> </div> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <ul class="tbm-subnav level-2 items-5 menu vertical tb-megamenu-subnav mega-nav" role="list"> <li class="weight-medium"> <span class="tbm-link level-3 no-link main-nav-item match-menu-anchor inline-block tbm-no-submenu" tabindex="0"> Resources </span> </li> <li > <a href="/investors/issuance-calendars" class="tbm-link level-3 main-nav-item"> Issuance Calendars </a> </li> <li > <a href="/investors/multifamily-securities-pricing" class="tbm-link level-3 main-nav-item"> Securities Pricing </a> </li> <li > <a href="/investors/performance-lookup" class="tbm-link level-3 main-nav-item"> Securities Performance & Lookup </a> </li> <li > <a href="/investors/legal" class="tbm-link level-3 main-nav-item"> Legal Documentation </a> </li> </ul> </div> </div> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <div class="tbm-block"> <div class="block-inner"> <div><a class="no-decoration" href="https://mf.freddiemac.com/research/business-analysis/20241107-sbl-prepayment-report-as-of-june-2024" > <div class="card background-white no-margin-bottom-large" data-equalizer-watch="" >  <div class="card-image " > <img src="/sites/g/files/ynjofi151/files/styles/640xautoheight/public/sbl_prepay_report_0.png?itok=69oKuMyp" width="640" height="480" alt="SBL Prepayment Report" loading="lazy" /> </div> <div class="card-section"> <h3 class="h4 weight-medium">SBL Prepayment Report, as of June 2024</h3> <p class="flex-child-grow"> This report presents a summary of our Small Balance Loan voluntary prepayment activity over the past 12 months, from July 2023 through June 2024. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <div class="tbm-block"> <div class="block-inner"> <div><a class="no-decoration" href="/research/market-trends/20250108-2025-multifamily-outlook" > <div class="card background-white no-margin-bottom-large" data-equalizer-watch="" >  <div class="card-image " > <img src="/sites/g/files/ynjofi151/files/styles/640xautoheight/public/25%20MF%20Outlook.png?itok=5R4OHxvV" width="640" height="480" alt="2025 multifamily outlook thumbnail" loading="lazy" /> </div> <div class="card-section"> <h3 class="h4 weight-medium">2025 Multifamily Outlook</h3> <p class="flex-child-grow"> Economic conditions appear to be moderating in 2025, and expectations are for the multifamily market to see positive but weaker growth this year. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="tbm-submenu tbm-item-child grid-container fluid sub-nav dropdown-pane show-for-xlarge tb-megamenu-submenu dropdown-menu mega-dropdown-menu nav-child" role="list" data-hover="true" data-hover-pane="true" data-dropdown=" " aria-labelledby="section-borrowers" id="borrowers-sub-nav" > <div class="grid-x"> <div class="cell"> <div class="menu-close"> <button type="button" class="close-button" data-close="" aria-label="Close navigation"> <svg aria-hidden="true" viewbox="0 0 21 21" style="width:1.3125rem;height:1.3125rem;" xmlns="http://www.w3.org/2000/svg"><g fill="#25457C" fill-rule="evenodd"><path d="M2.504.6l17.99 17.82-1.998 1.98L.506 2.58z"/><path d="M18.496.6L.506 18.42l1.998 1.98 17.99-17.82z"/></g></svg> </button> </div> <div class="grid-container dropdown-content"> <div class="grid-x grid-margin-x" data-equalize="" data-equalize-on="xlarge"> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <div class="tbm-block"> <div class="block-inner"> </div> </div> </div> </div> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <ul class="tbm-subnav level-3 items-6 menu vertical tb-megamenu-subnav mega-nav" role="list"> <li class="weight-medium"> <span class="tbm-link level-4 no-link tbm-toggle main-nav-item match-menu-anchor inline-block" tabindex="0"> Borrowers </span> </li> <li > <a href="/borrowers" class="tbm-link level-4 main-nav-item"> Overview </a> </li> <li > <a href="/borrowers/lenders-conventional" class="tbm-link level-4 main-nav-item"> Conventional Lenders </a> </li> <li > <a href="/borrowers/lenders-sbl" class="tbm-link level-4 main-nav-item"> Small Balance Loan Lenders </a> </li> <li > <a href="/borrowers/lenders-tah" class="tbm-link level-4 main-nav-item"> Targeted Affordable Housing Lenders </a> </li> <li > <a href="/borrowers/lenders-seniors" class="tbm-link level-4 main-nav-item"> Seniors Housing Lenders </a> </li> </ul> </div> </div> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <div class="tbm-block"> <div class="block-inner"> <div><a class="no-decoration" href="https://mf.freddiemac.com/about/credit-building" > <div class="card background-white no-margin-bottom-large" data-equalizer-watch="" >  <div class="card-image " > <img src="/sites/g/files/ynjofi151/files/styles/640xautoheight/public/meganav-building-credit.png?itok=48wMcVlf" width="640" height="480" alt="building blocks" loading="lazy" /> </div> <div class="card-section"> <h3 class="h4 weight-medium">Credit Building</h3> <p class="flex-child-grow"> Our initiative benefits renters, property owners and the industry, using on-time rent payments to build renters' individual credit scores. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <div class="tbm-block"> <div class="block-inner"> <div><a class="no-decoration" href="https://mf.freddiemac.com/borrowers/impact-sponsors" > <div class="card background-white no-margin-bottom-large" data-equalizer-watch="" >  <div class="card-image " > <img src="/sites/g/files/ynjofi151/files/styles/640xautoheight/public/Bridging%20the%20Gap_0.png?itok=mpPbGGr2" width="640" height="480" alt="Family walking together" loading="lazy" /> </div> <div class="card-section"> <h3 class="h4 weight-medium">Impact Sponsors</h3> <p class="flex-child-grow"> We are recognizing sponsors that do more to promote tenant advancement, environmental best practices and social impact across their multifamily portfolio in our annual cohort of Freddie Mac Multifamily Impact Sponsors. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Learn more</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="tbm-submenu tbm-item-child grid-container fluid sub-nav dropdown-pane show-for-xlarge tb-megamenu-submenu dropdown-menu mega-dropdown-menu nav-child" role="list" data-hover="true" data-hover-pane="true" data-dropdown=" " aria-labelledby="section-products" id="products-sub-nav" > <div class="grid-x"> <div class="cell"> <div class="menu-close"> <button type="button" class="close-button" data-close="" aria-label="Close navigation"> <svg aria-hidden="true" viewbox="0 0 21 21" style="width:1.3125rem;height:1.3125rem;" xmlns="http://www.w3.org/2000/svg"><g fill="#25457C" fill-rule="evenodd"><path d="M2.504.6l17.99 17.82-1.998 1.98L.506 2.58z"/><path d="M18.496.6L.506 18.42l1.998 1.98 17.99-17.82z"/></g></svg> </button> </div> <div class="grid-container dropdown-content"> <div class="grid-x grid-margin-x" data-equalize="" data-equalize-on="xlarge"> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <ul class="tbm-subnav level-4 items-6 menu vertical tb-megamenu-subnav mega-nav" role="list"> <li class="weight-medium"> <span class="tbm-link level-5 no-link tbm-toggle main-nav-item match-menu-anchor inline-block" tabindex="0"> Products </span> </li> <li > <a href="/product#toolbar-bar" class="tbm-link level-5 main-nav-item"> Overview </a> </li> <li > <a href="/product/conventional" class="tbm-link level-5 main-nav-item"> Conventional </a> </li> <li > <a href="/product/sbl" class="tbm-link level-5 main-nav-item"> Small Balance Loan </a> </li> <li > <a href="/product/tah" class="tbm-link level-5 main-nav-item"> Targeted Affordable Housing </a> </li> <li > <a href="/product/structured-facility" class="tbm-link level-5 main-nav-item"> Structured & Facility </a> </li> </ul> </div> </div> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <ul class="tbm-subnav level-4 items-3 menu vertical tb-megamenu-subnav mega-nav" role="list"> <li class="weight-medium"> <span class="tbm-link level-5 no-link main-nav-item match-menu-anchor inline-block tbm-no-submenu" tabindex="0"> More Options </span> </li> <li > <a href="/product/lock-options" class="tbm-link level-5 main-nav-item"> Lock Options </a> </li> <li > <a href="/product/green-advantage" class="tbm-link level-5 main-nav-item"> Green Advantage </a> </li> </ul> </div> </div> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <div class="tbm-block"> <div class="block-inner"> <div><a class="no-decoration" href="/docs/long_term_financing.pdf" > <div class="card background-white no-margin-bottom-large" data-equalizer-watch="" >  <div class="card-image " > <img src="/sites/g/files/ynjofi151/files/styles/640xautoheight/public/LTF_thumbnail_0.png?itok=HykCu2IN" width="580" height="475" alt="Long-term financing thumbnail" loading="lazy" /> </div> <div class="card-section"> <h3 class="h4 weight-medium">Long-Term Financing</h3> <p class="flex-child-grow"> For sponsors with larger pools with ongoing collateral addition and funding needs. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Learn More</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <div class="tbm-block"> <div class="block-inner"> <div><a class="no-decoration" href="/about/multifamily-housing-highlights" > <div class="card background-white no-margin-bottom-large" data-equalizer-watch="" >  <div class="card-image " > <img src="/sites/g/files/ynjofi151/files/styles/640xautoheight/public/meganav-equitable-housing_map_0.jpg?itok=dZITHGV2" width="280" height="210" alt="Highlighting our Impact on Equitable Housing" loading="lazy" /> </div> <div class="card-section"> <h3 class="h4 weight-medium">Highlighting our Impact on Multifamily Housing</h3> <p class="flex-child-grow"> This interactive map spotlights multifamily transactions that go further to fulfill our mission and make an impact. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="tbm-submenu tbm-item-child grid-container fluid sub-nav dropdown-pane show-for-xlarge tb-megamenu-submenu dropdown-menu mega-dropdown-menu nav-child" role="list" data-hover="true" data-hover-pane="true" data-dropdown=" " aria-labelledby="section-research" id="research-sub-nav" > <div 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vertical tb-megamenu-subnav mega-nav" role="list"> <li class="weight-medium"> <span class="tbm-link level-6 no-link main-nav-item match-menu-anchor inline-block tbm-no-submenu" tabindex="0"> Research </span> </li> <li > <a href="/research#toolbar-bar" class="tbm-link level-6 main-nav-item"> Overview </a> </li> <li > <a href="/research/podcast" class="tbm-link level-6 main-nav-item"> Podcast </a> </li> <li > <a href="/aimi" class="tbm-link level-6 tbm-toggle main-nav-item"> AIMI </a> </li> <li > <a href="/research/duty-to-serve" class="tbm-link level-6 main-nav-item"> Duty to Serve </a> </li> </ul> </div> </div> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <div class="tbm-block"> <div class="block-inner"> <div><a class="no-decoration" href="/research/podcast/20250122-2025-multifamily-outlook" > <div class="card background-white no-margin-bottom-large" data-equalizer-watch="" >  <div class="card-image " > <img src="/sites/g/files/ynjofi151/files/styles/640xautoheight/public/2025_mfoutlook_podcast_teaser.png?itok=Rq99CzMr" width="640" height="480" alt="2025 MF Outlook podcast thumbnail" loading="lazy" /> </div> <div class="card-section"> <h3 class="h4 weight-medium">2025 Multifamily Outlook</h3> <p class="flex-child-grow"> Mike Donnelly, part of the Multifamily Research team and author of the 2025 Multifamily Outlook report, shares the economic and multifamily market outlook for 2025. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Listen Here</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <div class="tbm-block"> <div class="block-inner"> <div><a class="no-decoration" href="/research/market-trends/20250108-2025-multifamily-outlook" > <div class="card background-white no-margin-bottom-large" data-equalizer-watch="" >  <div class="card-image " > <img src="/sites/g/files/ynjofi151/files/styles/640xautoheight/public/25%20MF%20Outlook.png?itok=5R4OHxvV" width="640" height="480" alt="2025 multifamily outlook thumbnail" loading="lazy" /> </div> <div class="card-section"> <h3 class="h4 weight-medium">2025 Multifamily Outlook</h3> <p class="flex-child-grow"> Economic conditions appear to be moderating in 2025, and expectations are for the multifamily market to see positive but weaker growth this year. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="tbm-submenu tbm-item-child grid-container fluid sub-nav dropdown-pane show-for-xlarge tb-megamenu-submenu dropdown-menu mega-dropdown-menu nav-child" role="list" data-hover="true" data-hover-pane="true" data-dropdown=" " aria-labelledby="section-news" id="news-sub-nav" > <div class="grid-x"> <div class="cell"> <div class="menu-close"> <button type="button" class="close-button" data-close="" aria-label="Close navigation"> <svg aria-hidden="true" viewbox="0 0 21 21" style="width:1.3125rem;height:1.3125rem;" xmlns="http://www.w3.org/2000/svg"><g fill="#25457C" fill-rule="evenodd"><path d="M2.504.6l17.99 17.82-1.998 1.98L.506 2.58z"/><path d="M18.496.6L.506 18.42l1.998 1.98 17.99-17.82z"/></g></svg> </button> </div> <div class="grid-container dropdown-content"> <div class="grid-x grid-margin-x" data-equalize="" data-equalize-on="xlarge"> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <div class="tbm-block"> <div class="block-inner"> </div> </div> </div> </div> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <ul class="tbm-subnav level-6 items-6 menu vertical tb-megamenu-subnav mega-nav" role="list"> <li class="weight-medium"> <span class="tbm-link level-7 no-link main-nav-item match-menu-anchor inline-block tbm-no-submenu" tabindex="0"> News </span> </li> <li > <a href="/news#toolbar-bar" class="tbm-link level-7 main-nav-item"> Overview </a> </li> <li > <a href="/news/customer-news" class="tbm-link level-7 main-nav-item"> Customer News </a> </li> <li > <a href="/news/releases" class="tbm-link level-7 main-nav-item"> News Releases </a> </li> <li > <a href="/events" class="tbm-link level-7 main-nav-item"> Events and Education </a> </li> <li > <a href="/viewpoints" class="tbm-link level-7 main-nav-item"> Viewpoints </a> </li> </ul> </div> </div> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <div class="tbm-block"> <div class="block-inner"> <div><a class="no-decoration" href="/news/2025/20250122-2024-top-lenders" > <div class="card background-white no-margin-bottom-large" data-equalizer-watch="" >  <div class="card-image " > <img src="/sites/g/files/ynjofi151/files/styles/640xautoheight/public/recognition2.png?itok=uiy7ylDo" width="640" height="480" alt="Trophy article teaser" loading="lazy" /> </div> <div class="card-section"> <h3 class="h4 weight-medium">2024 Top Lenders</h3> <p class="flex-child-grow"> Thank you to all our top lenders in 2024 for their partnership in financing rental homes nationwide. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <div class="tbm-block"> <div class="block-inner"> <div><a class="no-decoration" href="/borrowers/impact-sponsors" > <div class="card background-white no-margin-bottom-large" data-equalizer-watch="" >  <div class="card-image " > <img src="/sites/g/files/ynjofi151/files/styles/640xautoheight/public/MF_MF_Hero_Image_Impact_Sponsor_Roundtable_0.jpg?itok=rWyoxPos" width="640" height="436" alt="Impact Sponsors" loading="lazy" /> </div> <div class="card-section"> <h3 class="h4 weight-medium">Going Further with Impact Sponsors</h3> <p class="flex-child-grow"> Discover the spirit of our Impact Sponsor initiative and where we're heading. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Learn More</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="tbm-submenu tbm-item-child grid-container fluid sub-nav dropdown-pane show-for-xlarge tb-megamenu-submenu dropdown-menu mega-dropdown-menu nav-child" role="list" data-hover="true" data-hover-pane="true" data-dropdown=" " aria-labelledby="section-about" id="about-sub-nav" > <div class="grid-x"> <div class="cell"> <div class="menu-close"> <button type="button" class="close-button" data-close="" aria-label="Close navigation"> <svg aria-hidden="true" viewbox="0 0 21 21" style="width:1.3125rem;height:1.3125rem;" xmlns="http://www.w3.org/2000/svg"><g fill="#25457C" fill-rule="evenodd"><path d="M2.504.6l17.99 17.82-1.998 1.98L.506 2.58z"/><path d="M18.496.6L.506 18.42l1.998 1.98 17.99-17.82z"/></g></svg> </button> </div> <div class="grid-container dropdown-content"> <div class="grid-x grid-margin-x" data-equalize="" data-equalize-on="xlarge"> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <ul class="tbm-subnav level-7 items-4 menu vertical tb-megamenu-subnav mega-nav" role="list"> <li class="weight-medium"> <span class="tbm-link level-8 no-link main-nav-item match-menu-anchor inline-block tbm-no-submenu" tabindex="0"> About Us </span> </li> <li > <a href="/about-us#toolbar-bar" class="tbm-link level-8 main-nav-item"> Overview </a> </li> <li > <a href="/about/who-we-are" class="tbm-link level-8 tbm-toggle main-nav-item"> Who We Are </a> </li> <li > <a href="/about/what-we-do" class="tbm-link level-8 main-nav-item"> What We Do </a> </li> </ul> </div> </div> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <ul class="tbm-subnav level-7 items-3 menu vertical tb-megamenu-subnav mega-nav" role="list"> <li class="weight-medium"> <span class="tbm-link level-8 no-link main-nav-item match-menu-anchor inline-block tbm-no-submenu" tabindex="0"> Our Work </span> </li> <li > <a href="/about/our-results" class="tbm-link level-8 main-nav-item"> Our Results </a> </li> <li > <a href="/about/our-mission" class="tbm-link level-8 tbm-toggle main-nav-item"> Our Mission </a> </li> </ul> </div> </div> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <div class="tbm-block"> <div class="block-inner"> <div><a class="no-decoration" href="/about/all-stars" > <div class="card background-white no-margin-bottom-large" data-equalizer-watch="" >  <div class="card-image " > <img src="/sites/g/files/ynjofi151/files/styles/640xautoheight/public/MF_CS_1280367623_NAV_About_Allstars%202024.jpg?itok=VU1nzd93" width="640" height="480" alt="All-Stars collage of Multifamily staff" loading="lazy" /> </div> <div class="card-section"> <h3 class="h4 weight-medium">All Stars</h3> <p class="flex-child-grow"> We have a roster full of talented and diverse Multifamily All Stars competing for your business and battling housing affordability. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> <div class="tbm-column span3 cell large-3 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class="card-section"> <h3 class="h4 weight-medium">Here, passion meets purpose. Talent meets opportunity. Ambition meets success.</h3> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Learn more</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <div class="tbm-block"> <div class="block-inner"> <div><a class="no-decoration" href="https://careers.freddiemac.com/us/en/c/multifamily-jobs" > <div class="card background-white no-margin-bottom-large" data-equalizer-watch="" >  <div class="card-image " > <img src="/sites/g/files/ynjofi151/files/styles/640xautoheight/public/Careers%20Search%20CTA-Megamenu_Image.png?itok=b8dkY-HP" width="220" height="165" alt="girl on slide" loading="lazy" /> </div> <div class="card-section"> <h3 class="h4 weight-medium">Search for Career Opportunities</h3> <p class="flex-child-grow"> Join us for new and exciting career opportunities that will let you achieve more and be at your best. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Learn more</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div id="search-sub-nav" class="grid-container fluid sub-nav dropdown-pane show-for-xlarge" data-toggler=".expanded" data-hover="true" data-hover-pane="true" data-dropdown="" aria-labelledby="section-search"> <div class="grid-x"> <div class="cell"> <div class="dropdown-content grid-container"> <div class="grid-x grid-margin-x"> <div class="cell large-12"> <form id="search-form" class="search-form background-concrete" action="/search-results" data-abide="" novalidate=""> <div class="grid-x grid-padding-x align-middle"> <div class="cell auto"> <label for="desktop-search" class="show-for-sr">Enter your search</label> <input id="desktop-search" class="search-input" name="query" type="search" placeholder="Enter your search" /> </div> <div class="cell shrink"> <button class="button secondary no-margin" type="submit">Search</button> </div> </div> </form> </div> </div> </div>  <div class="menu-close"> <button type="button" class="close-button" data-close="" aria-label="Close navigation"> <svg aria-hidden="true" viewbox="0 0 21 21" style="width:1.3125rem;height:1.3125rem;" xmlns="http://www.w3.org/2000/svg"> <g fill="#25457C" fill-rule="evenodd"> <path d="M2.504.6l17.99 17.82-1.998 1.98L.506 2.58z" /> <path d="M18.496.6L.506 18.42l1.998 1.98 17.99-17.82z" /> </g> </svg> </button> </div> </div> </div> </div>  </div> </div> </header> <article class="nid-6 node--landing_page" id="main-content"> <div class="node_content node_title__multifamily-freddie-mac"> <div class="split-hero"> <div class="grid-container fluid no-breadcrumbs"> </div> <div class="grid-container fluid"> <div class="grid-x"> <div class="cell align-self-middle large-5 small-order-2 large-order-1"> <h1 class="h2">It's about Certainty of Execution</h1> <div class="paragraph paragraph--type--wysiwyg paragraph--view-mode--default"> <p class="intro">with our Index Lock and spread hold</p><p><a class="button primary" href="/product/lock-options">See Lock Options</a></p> </div> </div> <div class="cell large-7 small-order-1 large-order-2 roofline-accent"> <img loading="eager" src="https://freddiemac.widen.net/content/rxbngoocep/png/MF_MF_heroimage_lockspread.png.png" alt="Apartment complex" /> </div> </div> </div> </div> <div class="grid-container full"> <div class="grid-x"> <div class="cell"> <div class="tall-content-band background-concrete"> <div class="grid-container "> <div class="paragraph--column-container grid-x grid-padding-x" data-equalizer data-equalize-by-row > <div class="cell medium-12"> <div class="paragraph paragraph--type--wysiwyg paragraph--view-mode--default"> <h2 class="h1">Make it Happen</h2> <div class="padding-top-2 show-for-large"> </div> </div> </div> <div class="cell medium-6 large-4"> <div class="callout background-white default default" data-equalizer-watch> <p><img alt aria-hidden="true" src="/sites/g/files/ynjofi151/files/mf-icon-lenders.svg"></p> <h3 class="half-gutter-top">Lenders</h3> <ul class="no-bullet"> <li><a href="/lenders/uw">Originate and Underwrite</a></li> <li><a href="/lenders/purchase">Purchase and Deliver</a></li> <li><a href="/lenders/reporting">Investor Reporting</a></li> <li><a href="/lenders/asset">Asset Management</a></li> <li><a href="/lenders/guide">Guide and Forms</a></li> </ul> <p><a class="button secondary" href="/lenders">More for Lenders</a></p> </div> </div> <div class="cell medium-6 large-4"> <div class="callout background-white default default" data-equalizer-watch> <p><img alt aria-hidden="true" src="/sites/g/files/ynjofi151/files/mf-icon-investors.svg"></p><h3 class="half-gutter-top">Investors</h3><ul class="no-bullet"><li><a href="/investors/securities-crt-products">Securities and CRT Products</a></li><li><a href="/investors/impact-bonds">Impact Bonds</a></li><li><a href="/investors/issuance-calendars">Issuance Calendars</a></li><li><a href="/investors/multifamily-securities-pricing">Securities Pricing</a></li><li><a href="/investors/performance-lookup">Securities Performance & Lookup</a></li></ul><p><a class="button secondary" href="/investors">More for investors</a></p> </div> </div> <div class="cell medium-6 large-4"> <div class="callout background-white default default" data-equalizer-watch> <p><img alt aria-hidden="true" src="/sites/g/files/ynjofi151/files/mf-icon-borrowers.svg"></p> <h3 class="half-gutter-top">Borrowers</h3> <p>We have your financing solution. Find an Optigo Lender to get started.</p> <p><a class="button secondary" href="/borrowers">Get Started with Optigo</a></p> </div> </div> </div> </div> </div> <div class="tall-content-band background-white"> <div class="grid-container "> <div class="paragraph--column-container grid-x grid-padding-x" data-equalizer data-equalize-by-row > <div class="cell small-12"> <div class="paragraph paragraph--type--wysiwyg paragraph--view-mode--default"> <h2 class="h1">Our Products and Features</h2><div class="padding-top-2"> </div> </div> </div> </div> <div class="grid-x grid-padding-x grid-padding-y medium-up-2 gutter-bottom" data-equalizer data-equalize-by-row="true"> <div class="cell"> <a href="/product/conventional" class="no-decoration"> <div class="media-object button-row collapse align-middle "> <div class="media-object-section"> <div class="button-row-creative"> <img loading="lazy" src="https://freddiemac.widen.net/content/zqggimuwbk/png/MF_MF_741547691_mf-home-products-conventional.png?position=c&amp;color=ffffff00&amp;quality=80&amp;u=t2r8bw" alt="Conventional Product" /> </div> </div> <div class="media-object-section main-section background-concrete"> <div class="button-row-content"> <h3 class="h2 weight-light"> Conventional & Seniors </h3> </div> </div> <div class="media-object-section button-row-arrow"> <svg aria-hidden="true" class="animated-triangle-arrow hide-for-medium" xmlns="http://www.w3.org/2000/svg" width="6" height="12"> <path d="M0 .343L5.657 6 0 11.657z" fill="#027EAC" fill-rule="evenodd"> </path> </svg> <svg viewBox="0 0 61 18" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="animated-triangle-arrow show-for-medium" style="width:3.8125rem;height:1.125rem"> <path class="triangle-arrowline" fill="#11B6F1" stroke="#0080B5" stroke-linecap="square" stroke-width="1.5" d="M1.5 6.5l40-.5"> </path> <path fill="#0080B5" d="M41.964.343L47.621 6l-5.657 5.657z" class="triangle-arrowhead"></path> </svg> </div> </div> </a> </div> <div class="cell"> <a href="/product/structured-facility" class="no-decoration"> <div class="media-object button-row collapse align-middle "> <div class="media-object-section"> <div class="button-row-creative"> <img src="/sites/g/files/ynjofi151/files/styles/avatar_circle_large/public/mf-specialtyhousing-imageicon-opt1%20%281%29.png?itok=eiDfjMtu" width="130" height="130" alt="Apartment Building" loading="lazy" /> </div> </div> <div class="media-object-section main-section background-concrete"> <div class="button-row-content"> <h3 class="h2 weight-light"> Structured & Facility </h3> </div> </div> <div class="media-object-section button-row-arrow"> <svg aria-hidden="true" class="animated-triangle-arrow hide-for-medium" xmlns="http://www.w3.org/2000/svg" width="6" height="12"> <path d="M0 .343L5.657 6 0 11.657z" fill="#027EAC" fill-rule="evenodd"> </path> </svg> <svg viewBox="0 0 61 18" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="animated-triangle-arrow show-for-medium" style="width:3.8125rem;height:1.125rem"> <path class="triangle-arrowline" fill="#11B6F1" stroke="#0080B5" stroke-linecap="square" stroke-width="1.5" d="M1.5 6.5l40-.5"> </path> <path fill="#0080B5" d="M41.964.343L47.621 6l-5.657 5.657z" class="triangle-arrowhead"></path> </svg> </div> </div> </a> </div> <div class="cell"> <a href="/product/sbl" class="no-decoration"> <div class="media-object button-row collapse align-middle "> <div class="media-object-section"> <div class="button-row-creative"> <img loading="lazy" src="https://freddiemac.widen.net/content/fgps9d8bdp/png/MF_MF_741547691_mf-home-products-sbl.png?position=c&amp;color=ffffff00&amp;quality=80&amp;u=t2r8bw" alt="Small Balance Loan Product" /> </div> </div> <div class="media-object-section main-section background-concrete"> <div class="button-row-content"> <h3 class="h2 weight-light"> Small Balance Loan </h3> </div> </div> <div class="media-object-section button-row-arrow"> <svg aria-hidden="true" class="animated-triangle-arrow hide-for-medium" xmlns="http://www.w3.org/2000/svg" width="6" height="12"> <path d="M0 .343L5.657 6 0 11.657z" fill="#027EAC" fill-rule="evenodd"> </path> </svg> <svg viewBox="0 0 61 18" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="animated-triangle-arrow show-for-medium" style="width:3.8125rem;height:1.125rem"> <path class="triangle-arrowline" fill="#11B6F1" stroke="#0080B5" stroke-linecap="square" stroke-width="1.5" d="M1.5 6.5l40-.5"> </path> <path fill="#0080B5" d="M41.964.343L47.621 6l-5.657 5.657z" class="triangle-arrowhead"></path> </svg> </div> </div> </a> </div> <div class="cell"> <a href="/product/lock-options" class="no-decoration"> <div class="media-object button-row collapse align-middle "> <div class="media-object-section"> <div class="button-row-creative"> <img loading="lazy" src="https://freddiemac.widen.net/content/9w8hiomiio/svg/MF_MF_mf-icon_icon-lockoptions.svg?w=130&h=130&crop=true" alt="Lock Option" /> </div> </div> <div class="media-object-section main-section background-concrete"> <div class="button-row-content"> <h3 class="h2 weight-light"> Lock Options </h3> </div> </div> <div class="media-object-section button-row-arrow"> <svg aria-hidden="true" class="animated-triangle-arrow hide-for-medium" xmlns="http://www.w3.org/2000/svg" width="6" height="12"> <path d="M0 .343L5.657 6 0 11.657z" fill="#027EAC" fill-rule="evenodd"> </path> </svg> <svg viewBox="0 0 61 18" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="animated-triangle-arrow show-for-medium" style="width:3.8125rem;height:1.125rem"> <path class="triangle-arrowline" fill="#11B6F1" stroke="#0080B5" stroke-linecap="square" stroke-width="1.5" d="M1.5 6.5l40-.5"> </path> <path fill="#0080B5" d="M41.964.343L47.621 6l-5.657 5.657z" class="triangle-arrowhead"></path> </svg> </div> </div> </a> </div> <div class="cell"> <a href="/product/tah" class="no-decoration"> <div class="media-object button-row collapse align-middle "> <div class="media-object-section"> <div class="button-row-creative"> <img loading="lazy" src="https://freddiemac.widen.net/content/qqefrgzg4m/png/MF_MF_741547691_mf-home-products-affordable.png?position=c&amp;color=ffffff00&amp;quality=80&amp;u=t2r8bw" alt="Targeted Affordable Housing Product" /> </div> </div> <div class="media-object-section main-section background-concrete"> <div class="button-row-content"> <h3 class="h2 weight-light"> Targeted Affordable Housing </h3> </div> </div> <div class="media-object-section button-row-arrow"> <svg aria-hidden="true" class="animated-triangle-arrow hide-for-medium" xmlns="http://www.w3.org/2000/svg" width="6" height="12"> <path d="M0 .343L5.657 6 0 11.657z" fill="#027EAC" fill-rule="evenodd"> </path> </svg> <svg viewBox="0 0 61 18" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="animated-triangle-arrow show-for-medium" style="width:3.8125rem;height:1.125rem"> <path class="triangle-arrowline" fill="#11B6F1" stroke="#0080B5" stroke-linecap="square" stroke-width="1.5" d="M1.5 6.5l40-.5"> </path> <path fill="#0080B5" d="M41.964.343L47.621 6l-5.657 5.657z" class="triangle-arrowhead"></path> </svg> </div> </div> </a> </div> <div class="cell"> <a href="/product/green-advantage" class="no-decoration"> <div class="media-object button-row collapse align-middle "> <div class="media-object-section"> <div class="button-row-creative"> <img loading="lazy" src="https://freddiemac.widen.net/content/xvawkrq0ep/svg/icon-greenadvantage.svg?w=130&h=130&crop=true" alt="Green Advantage" /> </div> </div> <div class="media-object-section main-section background-concrete"> <div class="button-row-content"> <h3 class="h2 weight-light"> Green Advantage </h3> </div> </div> <div class="media-object-section button-row-arrow"> <svg aria-hidden="true" class="animated-triangle-arrow hide-for-medium" xmlns="http://www.w3.org/2000/svg" width="6" height="12"> <path d="M0 .343L5.657 6 0 11.657z" fill="#027EAC" fill-rule="evenodd"> </path> </svg> <svg viewBox="0 0 61 18" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="animated-triangle-arrow show-for-medium" style="width:3.8125rem;height:1.125rem"> <path class="triangle-arrowline" fill="#11B6F1" stroke="#0080B5" stroke-linecap="square" stroke-width="1.5" d="M1.5 6.5l40-.5"> </path> <path fill="#0080B5" d="M41.964.343L47.621 6l-5.657 5.657z" class="triangle-arrowhead"></path> </svg> </div> </div> </a> </div> </div> <div class="paragraph paragraph--type--wysiwyg paragraph--view-mode--default"> <div class="grid-x grid-padding-x"><div class="cell"><p><a class="secondary large button" href="/product">see more <span class="show-for-sr">Multifamily products and features</span></a></p></div></div> </div> </div> </div> <div class="content-band background-white"> <div class="grid-container fluid "> <div class="medium-content-band full "> <div class="panel offset-video-panel"> <div class="grid-x collapse-large"> <div class="cell large-6 animate-once grid-wrap-left-large background-blue"> <div class="text-left"> <h2 class="half-margin-bottom"> <span class="h1">Spotlight on Long-Term Financing</span> </h2> <p>For sponsors with larger pools with ongoing collateral addition and funding needs.</p> <div> <a href="/docs/long_term_financing.pdf" class="button primary" >View Term Sheet</a> </div> </div> </div> <div class="cell large-6"> <div class="background" style="background-image: url(/sites/g/files/ynjofi151/files/styles/max_800xautoheight/public/LTF_thumbnail_0.png?itok=57Pa-erI)"> </div> </div> </div> </div> </div> </div> </div> <div class="tall-content-band background-concrete"> <div class="grid-container "> <div class="paragraph--column-container grid-x grid-padding-x" data-equalizer data-equalize-by-row > <div class="cell cell large-6"> <div class="paragraph--column-container grid-x grid-padding-x" data-equalizer data-equalize-by-row > <div class="cell large-12 medium-12 small-12"> <div class="paragraph paragraph--type--wysiwyg paragraph--view-mode--default"> <h2 class="h1 gutter-bottom accent-navy">Multifamily News</h2> </div> </div> <div class="cell large-12 medium-12 small-12"> <div class="tab-wrapper"> <ul class="tabs small-up-1 medium-up-2 gutter-bottom" id="fm-tabs" data-tabs="" > <li class="tabs-title is-active"> <a data-tabs-target="panelh0" href="#panelh0"> Customer News </a> </li> <li class="tabs-title "> <a data-tabs-target="panelh1" href="#panelh1"> News Releases </a> </li> </ul> <div class="tabs-content" data-tabs-content="fm-tabs"> <div class="tabs-panel is-active" id="panelh0"> <div class="paragraph paragraph--type--view-reference paragraph--view-mode--default"> <div class="views-element-container"> <div class="gutter-bottom"> <a class="no-decoration" href="/news/2025/20250227-february-27-guide-bulletin"> <div class="card background-transparent"> <div class="half-margin-bottom weight-light">February 27, 2025</div> <h3 class="cross-promo-title">February 27 Guide Bulletin</h3> <p><span aria-hidden="true" class="arrow-text left-align"><span>Read More</span></span></p> </div> </a> </div> <div class="gutter-bottom"> <a class="no-decoration" href="/news/2025/20250122-2024-top-lenders"> <div class="card background-transparent"> <div class="half-margin-bottom weight-light">January 22, 2025</div> <h3 class="cross-promo-title">2024 Top Lenders</h3> <p><span aria-hidden="true" class="arrow-text left-align"><span>Read More</span></span></p> </div> </a> </div> <div class="gutter-bottom"> <a class="no-decoration" href="/news/2025/20250116-new-refinance-test-effective-january-16"> <div class="card background-transparent"> <div class="half-margin-bottom weight-light">January 16, 2025</div> <h3 class="cross-promo-title">New Refinance Test Effective January 16</h3> <p><span aria-hidden="true" class="arrow-text left-align"><span>Read 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</div> <a href="/news/releases" class="button button secondary" >more news releases</a> </div> </div> </div> </div> <div class="cell large-12 medium-12 small-12"> <div style="height:4.00rem;" class="show-for-small"></div> </div> </div> </div> <div class="cell cell large-5 large-offset-1"> <div class="paragraph paragraph--type--view-block paragraph--view-mode--default"> <div class="background-green callout"><div class="js-view-dom-id-d70d0d92ac2cecb799c7e5c1ba03d62eec2c386059fac390201dc43fa0812932"> <header> <h2>Events & Education</h2> <a href="/events" class="button secondary">view all <span class="show-for-sr">events</span> </a> <div class="padding-top-2"></div> </header> <div class="media-object"><div> <a class="no-decoration block-link" href="https://web.cvent.com/event/9445e71c-905d-4574-aca9-fef3bcacacef/summary"> <div class="media-object gutter-bottom"> <div class="media-object-section" style="width: 6.25rem;"> <p class="intro"> Apr<br>02 </p> </div> <div class="gutter-left 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Apr<br>22 - 24 </p> </div> <div class="gutter-left media-object-section main-section"> <p class="weight-medium intro">AHIC Spring Affordable Housing Summit <br><span class="reduce weight-light">Pittsburgh, Pennsylvania</span> </p> </div> </div> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="content-band background-white"> <div class="grid-container fluid "> <div class="paragraph--column-container grid-x grid-padding-x" data-equalizer data-equalize-by-row > <div class="cell medium-12"> <div class="grid-container heading tall-content-band"> <div class="header-full"> <div class="grid-x grid-padding-x"> <div class="cell no-margin-bottom large-8"> <h2 class="h1">Multifamily Thought Leadership</h2> </div> <div class="cell medium-11 large-8 xlarge-7"> Our senior leadership steer the industry and work together to transform the way we do multifamily financing. Get their insights here. </div> </div> </div> <div class="padding-top-2"></div> <div class="grid-x grid-padding-x small-up-1 medium-up-2 large-up-3" data-equalizer data-equalize-by-row="true">  <div class="cell"> <div> <div class="views-row"> <a class="no-decoration" href="/research/market-trends/20250108-2025-multifamily-outlook" > <div class="card background-concrete " data-equalizer-watch="" >  <div class="card-image " > <img src="/sites/g/files/ynjofi151/files/styles/4x3_aspect_ratio/public/25%20MF%20Outlook.png?itok=gIaGaBp_" width="640" height="480" alt="2025 multifamily outlook thumbnail" loading="lazy" /> </div> <div class="card-section"> <div> <div class="flex-container align-left"> <span class="card-category">Market Trends</span> <span>January 8, 2025</span> </div> </div> <h3 class="h4 weight-medium"><span>2025 Multifamily Outlook</span> </h3> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Learn more</span></span></p> </div> </div> </a> </div> </div> </div>  <div class="cell"> <div class="views-row"> <a class="no-decoration" href="/viewpoints/sara-hoffmann/20250108-2025-multifamily-outlook" > <div class="card background-concrete " data-equalizer-watch="" >  <div class="card-image " > <img src="/sites/g/files/ynjofi151/files/styles/4x3_aspect_ratio/public/MF_MF_842096061_Sara_Hoffmann_630x472.jpg?itok=OKEZVI_l" width="640" height="480" alt="Sara Hoffmann" loading="lazy" /> </div> <div class="card-section"> <div> <div class="flex-container align-left"> <span class="card-category">Viewpoints</span> <span>January 08, 2025</span> </div> </div> <h3 class="h4 weight-medium"><span>2025 Multifamily Outlook</span> </h3> <p class="flex-child-grow reduce">Sara Hoffmann, Senior Director, Multifamily Research </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Learn more</span></span></p> </div> </div> </a> </div> </div>  <div class="cell"> <div> <div class="views-row"> <a class="no-decoration" 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