An agency lender is a lender authorized by Government Sponsored Enterprises (GSEs) to originate and service mortgage loans on GSEs’ behalf. JPMorgan Chase is an authorized Fannie Mae and Freddie Mac agency lender.
Fannie Mae loans
As a licensed Fannie Mae Delegated Underwriting and Servicing® (DUS) lender, we underwrite, close and service Fannie Mae loans for affordable and market-rate multifamily housing across the U.S.
Freddie Mac Loans
As a Freddie Mac Optigo® lender, we provide loans across the country for multifamily property acquisitions, refinancing or renovations. We can help you find the right Freddie Mac financing to fit your needs.
Benefits of Agency Lending
Within our suite of end-to-end financial solutions, Agency Lending can be a useful tool for multifamily borrowers across the firm, including Commercial Real Estate, Corporate & Investment Bank and Private Bank clients. They benefit from our:
Seamless integration
Agency Lending’s affordable and conventional multifamily loan options work seamlessly with our Commercial Real Estate products and financing solutions. The breadth of these offerings provides you with flexibility to find the right combination for your unique real estate needs.
Lasting relationships
Collaborate with a multifamily lender that’s focused on building long-term relationships, not just closing loans. Drawing on local market knowledge, our experienced Agency Lending experts can identify and assist with your business needs.
Firmwide resources
By working with Agency Lending, you can access a range of end-to-end financial solutions from across the firm. Our range of resources allows us to help your real estate business thrive throughout the economic cycle.
Treasury
Optimize liquidity, gain insights into your operating accounts and manage rent payments with treasury management solutions made for your commercial real estate business.
"Nationwide, we deliver a broad suite of lending and credit solutions through Fannie Mae and Freddie Mac to complement our financing options. As the industry's largest multifamily lender, we consistently deliver these solutions with speed, ease and certainty of execution."
John Hofmann
Head of Agency Production, JPMorgan Chase
Meet our Agency Lending leaders
With decades of experience in Agency Lending, our team offers Fannie Mae and Freddie Mac financing support to multifamily property owners and investors of all sizes.
Related products and services
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FAQs
The biggest difference is that agency loans are guaranteed by a GSE. JPMorgan Chase’s bank loans are backed by the firm’s fortress balance sheet.
Typically, you’ll find out 30 days into the process before receiving final loan approval.
Fannie Mae and Freddie Mac loans typically close within 60 days.
Yes. Timing to rate lock can be shorter with a streamlined rate lock but should be discussed upfront with your Agency Lending Team.
Agency Lending insights
Real Estate
Utilizing agency lending amid economic challenges
Jan 16, 2024
Fannie Mae and Freddie Mac can offer lower interest rates and flexible terms in a tough economic environment.
Read more
Real Estate
What a recession could mean for commercial real estate
Jun 24, 2025
Even a mild recession could impact each asset class differently. Leaders across the industry discuss how commercial real estate investors can prepare for an economic downturn.
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Real Estate
How multifamily investors can prepare for a recession
Jun 16, 2025
Experts from JPMorgan Chase and Moody's Analytics explain why the economy is teetering on a recession and offer tips for multifamily investors.
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