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Bridge loans and agency loans can be a powerful combination for multifamily investors. A bridge-to-agency execution pairs flexible short-term capital with competitive long-term financing to help investors implement a business plan with an eye to locking in long-term fixed rates.
“Our goal is to provide clients with as many options as possible and let them choose what’s best for their business plan,” said John Hofmann, Head of Agency Production at JPMorganChase. “A lot of times, that includes bridge financing.”
Bridge-to-agency executions are typically used in two situations:
Agency loans have standardized loan terms, while bridge loans can be tailored to an investor’s needs. Factors to consider include:
JPMorganChase has developed a streamlined bridge-to-agency program for multifamily investors seeking bridge loans before transitioning to agency loans.
“When JPMorganChase originates a bridge loan, there are meaningful efficiencies from a cost and timing perspective when we transition the loan to the agencies. The team is able to move fast given our history of underwriting and servicing the loan,” Hofmann said.
The flexibility to obtain bank and agency financing from a single lender can also be valuable when acquiring portfolios with multiple assets, Hofmann said.
If some properties in a portfolio are ready for agency financing but others aren’t, the investor may be able to make a more competitive offer with a mix of agency and bridge loans. That process is often more efficient when one lender provides both options.
“If you need to move quickly, you want to go to someone that can offer certainty of execution and coordinate multiple types of capital under one roof,” Hofmann said.
Agency lending can help multifamily investors optimize their portfolios and maximize value. Find out how.
JPMorgan Chase Bank, N.A. Member FDIC. Visit jpmorgan.com/cb-disclaimer for disclosures and disclaimers related to this content.
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