Agency loans | 2026-08-03

Where Fannie Mae DUS and Freddie Mac Optigo Closings Usually Get Friction

The work is similar, but each execution path has its own pressure points.

Fannie Mae DUS and Freddie Mac Optigo files share a familiar closing rhythm: diligence, title and survey work, document review, borrower authority, opinions, execution, funding, and delivery. The friction is usually not in the labels. It is in the timing, checklist expectations, and the way each lender team wants issues escalated.

Counsel should not treat every agency file as interchangeable. The closing plan should match the program, the lender, the borrower structure, and the property-level diligence that may affect funding.