

AGENCY LENDING

UNMATCHED EXPERTISE MEETS UNPARALLELED SERVICE
Our expertise and dedication show in our hard-earned growth and success in a rapidly evolving industry. Consistently ranked as one of the top agency lenders in the country, Berkadia is comprised of the industry’s top GSE financing experts.
With the support of a network with a presence in every major market nationwide, unparalleled access to data, and the skills and resources to serve the lifecycle of your investment, our advisors are prepared to effortlessly navigate you through the agency lending process.

We’re driven by our passion for CRE and supported by the best resources and data in the industry. Together, we’ll find the right solution for your project, consistently delivering the results you want with the insights you need."
DAN BRENDES SVP – Head of GSE Lending Berkadia
IT'S IN OUR DNA.
Our mission is inspired by our two shareholders who created Berkadia— Berkshire Hathaway and Jefferies Financial Group. Both firms are renowned for their capital strength, sophisticated investment strategies and exacting attention to their clients’ diverse needs.
We're honored to infuse our Berkadia values into everything we do. When you work with us, you’re more than a client, and more than a partner. You’re a member of our family.



Mortgage Banking
Your projects, of any size and location, benefit from best‑in‑class financing partners and unparalleled access to capital.
Servicing
Get customized solutions and seamless service with our established resources and proven expertise.
Investment Sales
When you equip the right professionals with industry leading insights and tools, the result is better investment outcomes.
Technology
Advanced decision‑making with actionable insights backed by our powerful data.


2024 RANKINGS
#1 GSE and HUD Lender by Volume
Freddie Mac
#1 Multifamily Lender
#1 Low-Income Housing Lender
#1 Very Low-Income Housing Lender
#1 Targeted Affordable Housing Lender
Fannie Mae
#2 DUS Lender
#1 Seniors Housing Lender
#2 Green Financing Lender
#2 Structured Transactions Lender
Benefits of Agency Lending
Non recourse debt
Opportunities exist for supplemental financing
Five to 30 year terms at fixed or floating rates are available
Customizable loan terms within structured transactions

#2 Seniors Housing Lender
#3 Conventional Lender
#4 Manufactured Housing Communities Lender
#4 Small Balance Loans Lender
#3 Small Loans Lender
#4 Multifamily Affordable Housing Lender
#5 Student Housing Lender
Can lend nationwide
May offer loans at 80% LTV (or higher for Affordable Housing)
Pricing advantages exist for affordable and green loans
Flexible prepayment options

Fannie Mae
For over 30 years, Fannie Mae has served a wide range of the multifamily market, including conventional, affordable, cooperatives, seniors, student, manufactured housing communities and small loans via their Delegated Underwriting and Servicing (DUS) model. As a highly regarded, delegated DUS lender, Berkadia exercises control and decision making to seamlessly structure, underwrite, close, deliver, and service loans on properties for our valued clients.
Benefits
DUS model allows for certainty of execution as underwriting is completed in house
Single asset securitization model allows for greater flexibility with loan structuring
Streamline Rate Lock (SRL) with preliminary underwriting information can solve for interest rate volatility risk
Freddie Mac
Freddie Mac and Berkadia’s experienced and knowledgeable teams of producers collaborate to quote conventional, affordable, cooperative, seniors, student, manufactured housing communities and small loans. As a top Freddie Mac Optigo Lender, Berkadia works with Freddie Mac to structure and underwrite the most competitive loans available while providing loan servicing for the life of the loan.
Benefits:
Securitization model optimizes available loan terms
Centralized quoting and underwriting model provides consistency for borrowers
Strong index lock and Early Rate Lock (ERL) options help manage rapidly changing market conditions
HIGHLIGHT TRANSACTIONS | FANNIE MAE



Overlook Point & Madison Park
West Valley City, UT & Anaheim, CA
$204.6M UNITS 1,072 FANNIE MAE SIA Facility
ICG Portfolio
Glendale & Phoenix, AZ, Ammon, ID, Ogden, UT & Pasco, WA
$97.9M
1,012 FANNIE MAE Acquisition Financing
Northpoint Apartments
San Francisco, CA
$67.2M
MAE Refinance
HIGHLIGHT TRANSACTIONS | FREDDIE MAC



Park at Hoover Birmingham, AL
$75.6M UNITS 1,060
FREDDIE MAC Refinance
Springs at Foothills Farm Colorado Springs, CO
$58.2M UNITS 264 FREDDIE MAC Acquisition Financing
Advenir at La Costa Boynton Beach, FL
$47.9M UNITS 328 FREDDIE MAC Refinance
HIGHLIGHT TRANSACTIONS | FANNIE MAE



Residences at Lakeview
Memphis, TN
$45M
UNITS 827 FANNIE MAE Refinance
Cityside Huntington Metro Apartments
Alexandria, VA
$96.5M
UNITS 569 FANNIE MAE SIA Facility
2150 Arizona South
Chandler, AZ
$58M
UNITS 289 FANNIE MAE Acquisition Financing



The Atlantic Preserve Plantation, FL
$52.9M UNITS 293 FREDDIE MAC Acquisition Financing
Fountains at Steeplechase Plano, TX
$47.2M UNITS 368
FREDDIE MAC Refinance
Upper West Apartments
West Jordan, UT
$42.9M
UNITS 207 FREDDIE MAC Acquisition Financing
SUCCESS IS NOT PURELY MEASURED BY NUMBERS.

But, they help tell our story:
$47 billion in total loan production in 2023 and 2024.
2,200+ Loans closed in 2023 and 2024.
A top Berkadia ranks as a top U.S. non bank commercial mortgage servicer in the industry.


CLOSING IS JUST THE END OF THE BEGINNING.
We’re in this for the long haul.
To us, every deal is the start of a new relationship or the continuation of one built on performance and trust. Our clients are family, and we’re relentlessly focused on your long-term success.


Conventional, Freddie Mac Conventional, Fannie Mae
DAN BRENDES
SVP – Head of GSE Lending
301.202.3551
dan.brendes@berkadia.com

EMILY SCHULTZ
SVP – Head of Fannie Mae Originations
301.202.3562
emily.schultz@berkadia.com
Affordable Housing Seniors Housing & Healthcare
DAVID LEOPOLD
SVP – Head of Affordable Housing
301.202.3547
david.leopold@berkadia.com

STEVE ERVIN
SVP – Head of FHA and Seniors
Housing Finance
301.202.3575
steve.ervin@berkadia.com
