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Small Loans

CPC Mortgage Company offers financing tailored to the unique needs of small building owners with flexible small loan options from both Freddie Mac and Fannie Mae up to $7.5 million. In large markets, the flexibility of these products streamlines underwriting, provides quick closing, and guarantees an easy execution that is predictable across all market cycles.


Freddie Mac Small Balance Loan

CPC Mortgage Company is a longtime Freddie Mac partner and proud to be an approved Optigo lender for their Small Balance Loan (SBL) product. This product provides loan amounts from $1 million to $7.5 million in all markets, with loans up to $6 million in top and standard markets. Lending for cooperative buildings in New York City is also available. This program offers flexible terms and prepayment options, competitive low rates, and streamlined pricing, underwriting, closing, and funding process.

20-year term with initial 5- 7-, 10-year hybrid ARM and fixed 5,7, and 10 year options available


  • Loan Size: $1 million – $7.5 million
  • 20-year term with initial 5- 7-, 10-year hybrid ARM and fixed 5,7, and 10 year options available
  • 30-year Amortization Standard in All Markets


Eligible Uses

  • Acquisition
  • Refinance



Fannie Mae Small Mortgage Loan Program

With flexible loans up to $6 million, the Fannie Mae Small loan program offers flexible terms and loans up to $6 million.


  • 5 – 30-year terms
  • Loans from $750,000 to $6 million in eligible markets
  • Eligibility: Conventional properties; Multifamily Affordable Housing Properties; Cooperative Properties (market rate); and Manufactured Housing Communities.



FHA Section 221(d)(4)

CPC Mortgage Company is a MAP-approved lender. The 221(d)(4) product is a fixed-rate construction and 40-year permanent loan covering the substantial rehabilitation or new construction of a multifamily property.


  • Multifamily construction or substantial rehabilitation financing
  • 40-year terms
  • Northeast Region and others on case-by-case basis.
  • Minimum loan size: $2 million


Eligible Uses

  • New Construction
  • Rehabilitation



FHA Section 223(f)

CPC Mortgage Company is a MAP approved lender. This loan product is for the purchase or refinance of existing multifamily housing with rehabilitation work allowed.


  • Multifamily refinance and acquisition
  • Long-Term fixed rate
  • Up to 90% LTV


Eligible Uses

  • Acquisition
  • Refinance