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Loan Programs

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Programs engineered for your compliance requirements

We offer a suite of pre-configured, customizable loan programs, designed to cater diverse lender needs.

Fannie Mae Multi-Family
Fannie Mae Multi-Family SBL
Freddie Mac Bridge to Freddie
Freddie Mac Multi-Family
Global CRE+
HUD 232
HUD MAP
Private Lender Construction
Private Lender Rental
Life Company CRE
SBA 7a
CMBS

Fannie Mae | Multi-Family

Insurance compliance program for Fannie Mae Multi-Family Home Loans. The program applies to properties that contain multiple residential dwelling units.

Assets covered by program

Multi-Family, Mobile Home Park, Assisted Living, Cooperative Corporation

Number Compliance Rules

517 rules

Group Lead

Marianne Klosowski
Marianne Klosowski

Marianne Klosowski

VP, Insurance Compliance

Background

During her 25+ years in insurance, Marianne excelled as a Senior Compliance Consultant. With a background in corporate risk management, she understands the industry from both borrower and lender perspectives.

Fannie Mae | Multi-Family | SBL

Insurance compliance program for Fannie Mae Multi-Family Home Loans of $9 million or less. The program applies to properties that contain multiple residential dwelling units.

Assets covered by program

Multi-Family, Mobile Home Park, Assisted Living, Cooperative Corporation

Number Compliance Rules

486 rules

Group Lead

Marianne Klosowski
Marianne Klosowski

Marianne Klosowski

VP, Insurance Compliance

Background

During her 25+ years in insurance, Marianne excelled as a Senior Compliance Consultant. With a background in corporate risk management, she understands the industry from both borrower and lender perspectives.

Freddie Mac | Bridge to Freddie

Insurance compliance program for Bridge Loans transitioning into Freddie Mac approved loans.

Assets covered by program

Multi-Family

Number Compliance Rules

64 rules

Group Lead

Laura Bosies
Laura Bosies

Laura Bosies

Head of Agency Lending

Background

Laura has 25+ years of experience in insurance, including a decade as an executive at Walker & Dunlop, leading compliance reviews for Freddie Mac, Fannie Mae, HUD, and CMBS programs.

Freddie Mac | Multi-Family

Insurance compliance program for Freddie Mac Multi-Family Home Loans. The program applies to properties that contain multiple residential dwelling units.

Assets covered by program

Multi-Family, Mixed Use, Mobile Home Park, Assisted Living, Cooperative Corporation

Number Compliance Rules

629 rules

Group Lead

Laura Bosies
Laura Bosies

Laura Bosies

Head of Agency Lending

Background

Laura has 25+ years of experience in insurance, including a decade as an executive at Walker & Dunlop, leading compliance reviews for Freddie Mac, Fannie Mae, HUD, and CMBS programs.

Global CRE+

Insurance compliance program for Commercial Real Estate (CRE) transactions, ensuring compliance with global regulatory standards. The program is designed to manage risk, protect assets, and mitigate liability exposure for companies navigating CRE investments.

Assets covered by program

Condo Unit, Multi-Family, Mixed Used, Hotel, Commercial Office Building, Self-Storage Facility, Mobile Home Park, Retail, Industrial, Student Housing

Number Compliance Rules

591 rules

Group Lead

Laura Bosies
Laura Bosies

Laura Bosies

Head of Agency Lending

Background

Laura has 25+ years of experience in insurance, including a decade as an executive at Walker & Dunlop, leading compliance reviews for Freddie Mac, Fannie Mae, HUD, and CMBS programs.

HUD | 232

Insurance compliance program for HUD Lean Loans. The program applies to 232/223(f) Loans. These loans facilitate the purchase or refinancing of existing projects, with or without repairs, without the need for substantial rehabilitation.

Assets covered by program

Assisted Living, Cooperative Corporation, Residential Care Facilities, Nursing Homes, Skilled Nursing Facilities, Board and Care Facilities

Number Compliance Rules

437 rules

Group Lead

Daniel Stevens
Daniel Stevens

Daniel Stevens

Senior Manager, Insurance Compliance

Background

With a decade in insurance, Daniel is a seasoned professional with extensive coverage knowledge. From running his agency to senior compliance roles, he's worked with both agencies and private lenders.

HUD | MAP

Insurance compliance program for HUD - Federal Housing Administration (FHA) insured mortgages. The program applies to multi-family properties that do not require substantial rehabilitation or ground-up construction.

Assets covered by program

Multi-Family, Mobile Home Park, Cooperative Corporation

Number Compliance Rules

255 rules

Group Lead

Karen Perry
Karen Perry

Karen Perry

Senior Manager, Insurance Compliance

Background

With 35+ years in insurance, Karen specializes in commercial real estate. Her experience includes roles as an Account Manager for large portfolios and insurance reviews for Fannie Mae, Freddie Mac, and FHA.

Private Lender | All Residential | Construction

Insurance compliance program for residential fix-n-flip home loans. The program applies to properties purchased for renovations and resale. It is designed to protect against the risks inherent in the construction and rehabilitation of residential properties.

Assets covered by program

Condo Unit, Single-Family Home, Multi-Family, Townhouse/Row, Mixed Used, Vacant Land

Number Compliance Rules

140 rules

Sub-programs available

Private Lender | All Residential | Construction | Expedited

Group Lead

Brenda Rowley
Brenda Rowley

Brenda Rowley

VP, Insurance Compliance

Background

Brenda brings 24 years of insurance expertise, including 5+ years as a Senior Insurance Compliance Analyst. She excels in conducting compliance reviews for agency and private lender loans, pre- and post-closing.

Private Lender | All Residential | Rental

Insurance compliance program for non-construction residential home loans. The program applies to properties acquired by private lenders for rental purposes. It is designed to protect against the risks inherent in residential properties.

Assets covered by program

Condo Unit, Single-Family Home, Multi-Family, Townhouse/Row, Mixed Used, Vacant Land

Number Compliance Rules

145 rules

Sub-programs available

Private Lender | All Residential | Rental | Expedited

Group Lead

Brenda Rowley
Brenda Rowley

Brenda Rowley

VP, Insurance Compliance

Background

Brenda brings 24 years of insurance expertise, including 5+ years as a Senior Insurance Compliance Analyst. She excels in conducting compliance reviews for agency and private lender loans, pre- and post-closing.

Life Company | CRE

Insurance compliance program for Life Company Commercial Real Estate (CRE) Loans. These loans are typically non-recourse, and have favorable terms and extended repayment periods. They are secured by first position mortgages.

Assets covered by program

Multi-Family, Mixed Used, Hotel, Commercial Office Building, Self-Storage Facility, Commercial Warehouse, Mobile Home Park, Industrial, Retail, Discount Store, Restaurant, Saw Mill, Place of Worship, Vacant Land, Condo-Buildings

Number Compliance Rules

684 rules

Group Lead

Laura Bosies
Laura Bosies

Laura Bosies

Head of Agency Lending

Background

Laura has 25+ years of experience in insurance, including a decade as an executive at Walker & Dunlop, leading compliance reviews for Freddie Mac, Fannie Mae, HUD, and CMBS programs.

SBA 7a

Insurance compliance program for the Small Business Association's 7(a) Loan Program, which offers loan guaranties to lenders supporting small businesses.

Assets covered by program

Business Personal Property (Inventory, Machinery, Equipment), Mixed Used, Hotel, Commercial Office Building, Self-Storage Facility, Commercial Warehouse, Mobile Home Park, Industrial, Retail, Discount Store, Restaurant, Saw Mill, Place of Worship, Vacant Land

Number Compliance Rules

721 rules

Group Lead

Ashwin Agarwal
Ashwin Agarwal

Ashwin Agarwal

CEO & Co-Founder

Background

Prior to founding Advocate, Ashwin led insurance and technology investments at a multi-billion dollar equity fund, following a tenure at Goldman Sachs in investment banking and compliance groups. 

CMBS

Insurance compliance program for Commercial Mortgage-Backed Securities Loans, also known as Conduit Loans. These loans, secured by a first position mortgage on commercial properties, are commonly originated by commercial banks, conduit lenders, or investment banks, then packaged and sold to investors.

Assets covered by program

Multi-Family, Mixed Used, Hotel, Commercial Office Building, Self-Storage Facility, Commercial Warehouse, Mobile Home Park, Industrial, Retail, Discount Store, Restaurant, Saw Mill, Place of Worship, Vacant Land, Condo-Buildings

Number Compliance Rules

589 rules

Group Lead

Ashwin Agarwal
Ashwin Agarwal

Ashwin Agarwal

CEO & Co-Founder

Background

Prior to founding Advocate, Ashwin led insurance and technology investments at a multi-billion dollar equity fund, following a tenure at Goldman Sachs in investment banking and compliance groups. 

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