is a correspondent lender for Fannie Mae and Freddie Mac, allowing us to offer best-in-class service to our borrower clients with no origination fees—our compensation comes directly from our lending partners. Fannie Mae and Freddie Mac loans, commonly known as Agency Loans, provide some of the lowest interest rates available for multifamily and manufactured housing property owners. These loans offer flexible term options, ranging from 5-year structures to fully self-liquidating 40-year loans, catering to a variety of investment strategies. Additionally, Agency Loans feature interest rate discounts for "green programs," allowing borrowers to qualify for up to a 25-basis-point reduction in their interest rate. To access this benefit, borrowers must escrow funds to improve the energy efficiency of their properties—such as installing LED lighting or low-flow toilets—helping to reduce operational costs while promoting sustainability.