FHA THE BEST TERMS IN MULTIFAMILY FINANCING ARE BUILT WITH ARBOR FHA LOANS. Multifamily, Seniors Housing, Assisted Living, Affordable Housing

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1 FHA Multifamily, Seniors Housing, Assisted Living, Affordable Housing THE BEST TERMS IN MULTIFAMILY FINANCING ARE BUILT WITH ARBOR FHA LOANS Growing Financial Partnerships

2 WHO WE ARE Founded by Chairman, President & CEO Ivan Kaufman, Arbor Realty Trust, Inc. (Arbor) (NYSE:ABR) is a national direct lender specializing in finance origination and loan servicing for multifamily and commercial assets. With a multibillion-dollar servicing portfolio, Arbor is a primary commercial loan servicer and special servicer rated by Fitch Ratings and Standard & Poor s. Arbor is also on the Standard & Poor s Select Servicer List. Ivan Kaufman Chairman, President & CEO For more than 20 years, Arbor has been helping multifamily and commercial real estate clients achieve their financial goals by focusing on growing long-term relationships and conducting business as not simply another real estate lender, but as a partner.

3 We ve all been in this business long enough to know that anyone can close the cookie cutter deals. The real partners are those that get you through the tough ones. Arbor Borrower Proven Direct Lender FHA Competitive Benefits for You Established Lender Specialty Programs 1

4 Proven Direct Lender As an approved FHA Multifamily Accelerated Processing and LEAN Lender under HUD, Arbor provides Multifamily, Seniors Housing and Healthcare Facility investors with all of the financial benefits associated with the FHA-insured loan programs on an expedited basis, ensuring you obtain the best terms available industry-wide while benefiting from a level of personalization only found at Arbor. The ALEX online processing platform gives us the transaction transparency we need for ourselves as well as our borrowers, providing confidence and a quicker path to closing. ALEX User Providing Optimal Financing for the Entire Multifamily Sector Market Rate & Affordable Multifamily Assets (Apartments & Cooperatives) Manufactured Housing Communities Seniors Housing (Independent Living, Assisted Living Facilities & Skilled Nursing Facilities) Hospitals Providing Diverse Financing Options for Every Transaction Type Acquisitions Refinancing Energy-Efficient Upgrades Green Energy Retrofitting Moderate to Substantial Rehab New Construction 2

5 FHA Competitive Arbor s dedicated FHA lending platform offers our clients unique competitive benefits that allow their properties and portfolio to reach new heights with a financial foundation unlike any other. External Relationships Arbor has regional the long term. Arbor s goal is to create long-term relationships with various HUD offices and repeat business while other lenders sell their third party vendors. These relationships are FHA loans to other servicers. essential for successful transactions. Small Loan Specialist Arbor has long-standing Arbor Experience Arbor has an experienced expertise in customizing small and mid-size team that has closed FHA loans under various loans for small and mid-size borrowers. FHA programs. The Best Terms in Multifamily Financing Product Enhancement Arbor provides short- Historically low interest rates; high leverage; term financing with Bridge loans to supplement and long-term, up to 40-year, fully amortizing FHA financing. financing for more manageable loan payments. Long-Term Client Commitment Arbor services its loans and, therefore, stays with the client for Best servicing I have experienced so far, you guys do what you say and say what you do! 3 Arbor Borrower

6 Benefits for You Across the Multifamily sector, from apartments to seniors housing to healthcare facilities, from new construction to acquisition to refinancing, there is an FHA product for your business. With Arbor as your lender, we partner with you to custom fit the financing to your individual needs. Arbor s Diverse Lineup of FHA Financing Options FHA 223(f) program Acquisition or refinance of existing Multifamily properties Includes refinancing of Section 202 projects: FHA 202 Refi Program Historically low rates Lower your debt service Self-amortizing loans can be assumable Implement/expand services for your tenants Lower annual debt service & payments while increasing cash flow Complete needed repairs and improvements Recoup/realize equity as part of a refinance Eligible refinance costs can be covered in the loan, including prepayment penalties 4 Cash out proceeds can be put toward another Seniors Housing property receiving HUD rental assistance

7 Arbor takes the best interest of the borrower to heart. Arbor Borrower Established Lender Multifamily & Healthcare Acquisition or Refinance of Existing FHA-Insured Loans FHA 223(a)(7) program Hospital, Healthcare & Multifamily Improvements/Additions FHA 241(a) program Multifamily New Construction & Substantial Rehabilitation FHA 221(d)(4) program Hospital New Construction & Rehab FHA 242 program (including independent seniors) Healthcare New Construction FHA 232 program Healthcare Acquisition & Refinance FHA 232/223(f) program Seniors Housing New Construction & Substantial Rehabilitation FHA 231 program (resident age restricted to 62-years and older) 5 Hospital Refinance & Acquisition FHA 242/223(f) program Refinance of Exsisting HUD Hospitals FHA 242/223(a)(7) program

8 Specialty Programs Arbor s Bridge to HUD/FHA Program As both an FHA and direct Bridge loan lender, Arbor is uniquely suited to provide its clients the opportunity to expedite the FHA loan process and closing by combining a short-term Bridge loan with FHA financing as a subsequent permanent loan exit. Provides borrowers the ability to close quickly for acquisitions Solves the HUD/FHA timing issue Allows for repairs to be completed and/or repositioning of a property to facilitate a maximum FHA refinance loan The company distinguishes itself from other lenders by its customer service. 6 Arbor Borrower

9 CONTACT US ADDRESS: PHONE: 333 Earle Ovington Blvd., Suite 900 Uniondale, NY WEB: arbor.com A