TOP 10 FANNIE MAE DUS® MULTIFAMILY LENDER STRONG FINANCIAL PARTNERSHIPS FIRST-CLASS CUSTOMER SERVICE RELIABLE TOP SMALL LOANS LENDER DIVERSE PRODUCT LINE BRIDGE LOANS PROVEN STUDENT HOUSING STRONG REPEAT CLIENT BASE VERSATILE RELIABLE BRIDGE LOANS PROVEN TOP 10 FANNIE MAE DUS® MULTIFAMILY LENDER STRONG FINANCIAL PARTNERSHIPS FIRST-CLASS CUSTOMER SERVICE TOP SMALL LOANS LENDER DIVERSE PRODUCT LINE BRIDGE LOANS FHA LENDER STRONG REPEAT CLIENT BASE VERSATILE RELIABLE FHA LENDER PROVEN TOP 10 FANNIE MAE DUS® MULTIFAMILY LENDER VERSATILE RELIABLE FHA LENDER GROWING FINANCIAL PARTNERSHIPS FIRST-CLASS CUSTOMER SERVICE TOP SMALL LOANS LENDER VERSATILE RELIABLE IN-HOUSE SERVICING BRIDGE LOANS FHA LENDER STRONG REPEAT CLIENT BASE VERSATILE RELIABLE STUDENT HOUSING PROVEN TOP 10 FANNIE MAE DUS® MULTIFAMILY LENDER STRONG FINANCIAL PARTNERSHIPS FIRST-CLASS CUSTOMER SERVICE AFFORDABLE HOUSING DIVERSE PRODUCT LINE BRIDGE LOANS FHA LENDER STRONG REPEAT CLIENT BASE VERSATILE RELIABLE IN-HOUSE SERVICING PROVEN TOP 10 FANNIE MAE DUS® MULTIFAMILY LENDER STRONG FINANCIAL PARTNERSHIPS

THE BEST TERMS IN MULTIFAMILY FINANCING ARE

BUILT WITH ARBOR FHA LOANS

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FANNIE MAE DUS® • FHA • BRIDGE • MEZZANINE

FHAFHAMultifamily, Seniors Housing,

Assisted Living, Affordable Housing

Arbor FHA Experience at Work... Deal After Deal

FHA 221(d)(4)$14.5MAlexandria, LA

Bridge- Acquisition$9.3MFt Worth, TX

FHA 223(a)(7)$11.8MHonolulu, HI

FHA 223(f)$8.2MEast Lansing, MI

FHA 223(f)$13MChester, VA

FHA 223(f)$13.4MFresno, CA

FHA 221(d)(4)$9.9MImperial, CA

FHA 223(f)$4.0MMilwaukie, OR

FHA 223(f)$7.3MComstack, MI

Bridge-Recapitalization Loan $5.3MSavannah, GA

Providing Optimal Financing for the Entire Multifamily Sector• MarketRate&AffordableMultifamily

Assets(Apartments&Cooperatives)

• ManufacturedHousingCommunities

• SeniorsHousing(IndependentLiving,

AssistedLivingFacilities&Skilled

NursingFacilities)

• Hospitals

ProvenDirectLender

Providing Diverse Financing Options for Every Transaction Type• Acquisitions

• Refinancing

• Energy-EfficientUpgrades

• GreenEnergyRetrofitting

• ModeratetoSubstantialRehab

• NewConstruction

As an approved FHA Multifamily Accelerated Processing and

LEAN Lender under HUD, Arbor provides Multifamily, Seniors

HousingandHealthcareFacilityinvestorswithallofthefinancial

benefitsassociatedwiththeFHA-insuredloanprogramsonan

expedited basis, ensuring you obtain the best terms available

industry-widewhilebenefitingfromalevelofpersonalizationonly

foundatArbor.

WehaveNEVER SEEN TERMS LIKE THIS BEFORE.Ourother lenderwasjustsostrict…“

“

• ExternalRelationships-ArborhasregionalrelationshipswithvariousHUDofficesandthird

partyvendors.Theserelationshipsareessentialforsuccessfultransactions.

• ArborExperience-ArborhasanexperiencedteamthathasclosedFHAloansunder

variousFHAprograms.

• ProductEnhancement-Arborprovidesshort-termfinancingwithBridgeloansto

supplementFHAfinancing.

• Long-TermClientCommitment-Arborservicesitsloansand,therefore,stayswiththeclient

forthelongterm.Arbor’sgoalistocreatelong-termrepeatbusinesswhileotherlenderssell

theirFHAloanstootherservicers.

FHACompetitive

Arbor’sdedicatedFHAlendingplatformoffersourclientsuniquecompetitivebenefitsthatallowtheirpropertiesandportfoliotoreachnewheightswithafinancialfoundationunlikeanyother.

“ “TheoriginatorsKNOW THE LOCAL MARKETS BETTERthanthelocalbanksandmakeme feelcomfortabledoingbusiness…

• SmallLoanSpecialist–Arborhaslong-standing

expertiseincustomizingsmallandmid-sizeloans

forsmallandmid-sizeborrowers.

• TheBestTermsinMultifamilyFinancing –

$1Millionminimumloanamount;historicallylow

interestrates;highleverage;andlong-term,up

to40-year,fullyamortizingfinancingformore

manageableloanpayments.

Arbor’s Diverse Lineup of FHA Financing Options

FHA 223(f) program -MultifamilyAcquisition&Refinance

• AcquisitionorrefinanceofexistingMultifamilyproperties

• Historicallylowrates

• Self-amortizingloanscanbeassumable

• Lowerannualdebtservice&paymentswhileincreasingcashflow

• Recoup/realizeequityaspartofarefinance

• Eligiblerefinancecostscanbecoveredintheloan,includingprepaymentpenalties

• IncludesrefinancingofSection202projects:

Arbor’s 202 Refi Program

•Loweryourdebtservice

•Implement/expandservicesforyourtenants

•Completeneededrepairsandimprovements

•“Cashout”proceedscanbeputtowardanother

SeniorsHousingpropertyreceivingHUDrentalassistance

AcrosstheMultifamilysector,fromapartmentstoseniorshousingtohealthcarefacilities, fromnewconstructiontoacquisitiontorefinancing, there isanFHAproduct for yourbusiness.WithArbor as your lender,wepartnerwith you tocustomfitthefinancingtoyourindividualneeds.

BenefitsforYou

“ “HE DROVE ALL THE WAY ACROSS THE STATEtohaveacup ofcoffeewithme…

FHA 223(a)(7) program -Multifamily&HealthcareAcquisition,RefinanceofExistingFHA-InsuredLoans

FHA 221(d)(4) program -MultifamilyNewConstruction&SubstantialRehabilitation

FHA 232 program -SeniorsHousing&HealthcareNewConstruction

FHA 232/223(f) program -SeniorsHousing&HealthcareAcquisition&Refinance

FHA 231 program -SeniorsHousingNewConstruction&SubstantialRehabilitation

FHA 241(a) program - Healthcare&MultifamilyImprovements/Additions

FHA 213 program -CooperativeHousingAcquisition,NewConstruction&SubstantialRehabilitation

EstablishedLender

SpecialtyPrograms

Arbor’s Bridge to HUD/FHA Program

• Providesborrowerstheabilitytoclosequicklyforacquisitions

• SolvestheHUD/FHAtimingissue

• Allowsforrepairstobecompletedand/orrepositioningofa

propertytofacilitateamaximumFHArefinanceloan

“ “EveryonewasHONEST,OPENandTEAM-ORIENTED,andImuchappreciatedthe on-sitevisit.

AsbothanFHAanddirectBridgeloanlender,Arborisuniquely

suitedtoprovideitsclientstheopportunitytoexpeditetheFHA

loanprocessandclosingbycombiningashort-termBridgeloan

withFHAfinancingasasubsequentpermanentloanexit.

TOP 10 FANNIE MAE DUS® MULTIFAMILY LENDER STRONG FINANCIAL PARTNERSHIPS FIRST-CLASS CUSTOMER SERVICE RELIABLE TOP SMALL LOANS LENDER DIVERSE PRODUCT LINE BRIDGE LOANS PROVEN STUDENT HOUSING STRONG REPEAT CLIENT BASE VERSATILE RELIABLE BRIDGE LOANS PROVEN TOP 10 FANNIE MAE DUS® MULTIFAMILY LENDER STRONG FINANCIAL PARTNERSHIPS FIRST-CLASS CUSTOMER SERVICE TOP SMALL LOANS LENDER DIVERSE PRODUCT LINE BRIDGE LOANS FHA LENDER STRONG REPEAT CLIENT BASE VERSATILE RELIABLE FHA LENDER PROVEN TOP 10 FANNIE MAE DUS® MULTIFAMILY LENDER VERSATILE RELIABLE FHA LENDER GROWING FINANCIAL PARTNERSHIPS FIRST-CLASS CUSTOMER SERVICE TOP SMALL LOANS LENDER VERSATILE RELIABLE IN-HOUSE SERVICING BRIDGE LOANS FHA LENDER STRONG REPEAT CLIENT BASE VERSATILE RELIABLE STUDENT HOUSING PROVEN TOP 10 FANNIE MAE DUS® MULTIFAMILY LENDER STRONG FINANCIAL PARTNERSHIPS FIRST-CLASS CUSTOMER SERVICE AFFORDABLE HOUSING DIVERSE PRODUCT LINE BRIDGE LOANS FHA LENDER STRONG REPEAT CLIENT BASE VERSATILE RELIABLE IN-HOUSE SERVICING PROVEN TOP 10 FANNIE MAE DUS® MULTIFAMILY LENDER STRONG FINANCIAL PARTNERSHIPS FIRST-CLASS

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