Home/Services/Interest rate caps

Service · Interest rate caps

Independent interest rate cap advisory

A rate cap is only as good as the price you pay and the terms you sign. Evercrest runs a competitive auction across highly-rated cap providers, negotiates the structure, and makes sure the cap meets your lender's requirements, including Fannie Mae and Freddie Mac agency standards.

Overview

We do not take the first number.

When you buy a rate cap, the bank quoting it has every incentive to widen the price, and most borrowers take the first number. We do not. We put your cap out to competitive bid across active providers, normalize the quotes so you can compare them on equal terms, and negotiate the details that drive cost: strike, term, index, and payment timing. For agency loans, we manage the prescriptive requirements that Fannie Mae and Freddie Mac impose, from eligible counterparties and required conventions to replacement reserve funding and agency-conforming documentation, so the cap clears review without surprises.

What's included

Everything the cap requires.

Competitive auction

Quotes from multiple providers, not one.

Structuring

Strike, term, index, timing optimized to your loan.

Agency requirements

Fannie Mae and Freddie Mac conforming executions.

Documentation

Confirmations and lender or agency paperwork handled.

Replacement & extension

Plan and price the next cap before the current one expires.

Common questions

Questions, answered.

How much can an advisor save on a cap?
It varies with size and term, but competitive bidding and negotiation routinely take real dollars off the premium.
Do you handle Fannie Mae and Freddie Mac cap requirements?
Yes, including eligible counterparties, required conventions, and agency-conforming documentation.

Have a cap to buy or replace?

Get competitive pricing first.