The Construction Lending Podcast

California has long been synonymous with housing impossibility — sky-high costs, entrenched red tape, and years-long permitting nightmares. But something is changing. In this episode, Sean Faries sits down with Assemblymember Buffy Wicks, District 14, one of Sacramento's most active housing reformers, to break down the policy shifts reshaping the California construction landscape. Assembly mem...

As Austin has transformed from a mid-size city to a booming urban hub, it’s faced the growing pains of rapid migration, skyrocketing housing costs, and the challenge of balancing affordability with development. Our guest, Dr. Eric Johnson, Austin’s Assistant City Manager, shares perspectives on how the city is evolving its approach to growth, embracing greater housing density and community benefit...

This conversation with David Kooris, Executive Director of the Connecticut Municipal Development Authority (CMDA) explores the innovative "carrot-based" model that is currently supporting 43 member communities. Learn how the CMDA acts as an honest broker between developers and municipalities, ensuring that projects align with both local visions and state economic goals.

Marcia Fisher, Director of Mortgage Operations at UVA Community Credit Union, details her transition from sales to operations and how she leveraged that experience to build a high-performing construction lending team. She digs into the operational realities of the product, explaining why construction lending is "90% process and 10% gut," and offers critical advice on builder vetting, rev...

In this episode, we welcome Sheronda L. Carr, CEO of the National Association of Women in Construction (NAWIC). As the industry prepares for the 60th anniversary of Women in Construction (WIC) Week, Sheronda explores the critical role women play in stabilizing the "built environment". The conversation cuts through the fluff to address the hard realities of retention, workplace safety, ge...

Dr. Robert Dietz, Chief Economist for the National Association of Home Builders (NAHB), analyzes the housing market's 2025 performance and the outlook for 2026. The discussion examines the current structural housing deficit and the industry's path toward normalization by the 2030s. Dr. Dietz tackles questions about housing deficits, the boom in townhouses, custom home market trends, regula...

John McMullen, from the Mortgage Bankers Association, unpacks the recent policy shifts achieved through targeted industry advocacy. John details the MBA's direct influence on Fannie Mae and Freddie Mac, leading to immediate changes that will reshape the construction lending landscape. We cover the recent policy change of extending construction loan documentation to 18 months, the effort to sec...

Mastering Builder Trust, Structuring Loans, and the Art of Saying 'No' Industry veteran Mitzi Hutchens joins the podcast to demystify construction lending. She shares the strategies for success, including the critical differences between fixed price and cost-plus contracts and the key to unbreakable builder trust. Mitzi breaks down essential risk management tactics — from requiring conting...

Navigating today's lending landscape is challenging, but what if you could take your construction program from regional to national? In this episode, we're joined by Cory Bearden, SVP of the construction division at Luminate Bank, who shares his journey and insights on scaling a construction lending program. Cory highlights what it takes to build the right team, manage risk, and leverage t...

In this can't-miss episode of The Construction Lending Podcast, we sit down with Congressman Sam Liccardo—a policymaker who's no stranger to the frontlines of America's housing crisis. Representing California's 16th district, Liccardo gets right to the heart of the matter: the persistent lack of housing affordability, the thorny realities of municipal zoning, and the barriers that...

Join this insightful conversation with Robert Turbeville, Chief Lending Officer at First Federal Bank. Robert shares his journey from his first job doing roofs in Florida to overseeing a vast portfolio of lending divisions, including commercial, residential, SBA, and specialty banking. Discover how his unique career path shaped his leadership, the dramatic shifts he's witnessed in the lending...

Get a behind-the-scenes look at the challenges and rewards of building and scaling a construction lending program—from the days of paper files to launching innovative programs at Churchill Mortgage that span multiple states and product types. Dana Solberg discusses everything from builder relationships and risk management to best practices for launching a successful program, all while weaving in m...

Join us in this episode as Sarah Bender, Builder Relationship Manager of Mortgage Sales at BECU Home Loans, reveals her unique career path into construction lending. Discover her expert perspectives on what drives success in this sector, including key growth factors, building robust relationships with builders, successful program implementation, and how a foundation of flexibility, transparency, a...

This podcast episode features Ed Peace and Joaquin Tremols discussing the USDA Single-Close Construction-to-Permanent Loan Program. Ed and Joaquin detail the program's unique features, such as its one-time close, locked-in rates, and the ability for qualifying borrowers to roll in reserves and closing costs, often with no down payment. The conversation highlights how this program supports affo...

Tim Roy and Ron Haynie from the Independent Community Bankers of America (ICBA) join this episode to share their unique perspectives on the regulatory and legislative challenges shaping today’s banking landscape, from navigating 5,000+ pages of new regulations to grappling with industry changes since Dodd-Frank. They explore how community banks serve as the financial backbone of rural and small-to...

Gain insights from Fannie Mae's Affordable Lending Manager, Zach Ragland, on the MH Advantage program and the potential of manufactured housing to meet affordable housing needs. Discover the efficiencies of off-site construction, learn how Fannie Mae is addressing zoning and titling issues, and explore the opportunity to expand your portfolio by financing manufactured homes. This episode will...

Homeowner’s insurance rates have seen a near 20% increase from 2021 to 2023, impacting home affordability and construction lending. Don’t miss our in-depth conversation with Deborah Kearns, a veteran freelance editor and writer covering real estate, mortgages, and personal finance. Deborah’s work has appeared in top-tier publications, and she brings eye-opening statistics and expert insights about...

Our guest, Jonathan Lawless, Head of Homeownership at Built Rewards and co-host of the "Housing Insiders" podcast, brings over 20 years of housing industry experience to our discussion. From his pioneering work at Fannie Mae to his current role, Jonathan brings his perspective on innovative approaches to product development, the housing shortage, and his visionary ideas for addressing labor shorta...

The Planning Collaborative joins this episode for an insightful discussion on the challenges and potential solutions in financing accessory dwelling units (ADUs). As ADUs now make up 21% of new housing permits in states like California, they are becoming part of the housing shortage solution in every community. Our discussion covers homeowners' difficulties in securing loans for ADU projects, exac...

We’re exploring the evolution, significance, and future potential of manufactured homes with Chris Nicely , an expert with over 30 years in factory-built housing. We'll challenge some outdated perceptions, review landmark HUD standards, and uncover how manufactured homes stand up to traditional site-built homes in quality and appreciation. We’ll also address the stigmas and zoning practices that h...

We welcome Denise Pinkston and Katherine Peoples of Casita Coalition in this episode. Denise and Katherine are champions of equitable lending and housing solutions, bringing decades of expertise in real estate, policy, and lending practices. We'll explore their efforts to ease housing regulations, streamline ADU development, and advocate for equitable lending solutions. Discover how their organiza...

Keith Stracensky, VP of Construction Lending at Cross Country Mortgage joins us to discuss the state of the construction lending industry and automation’s role in streamlining loan processes and improving efficiency. Tune in to learn how tech is transforming construction lending and discover new opportunities in affordable housing options.

In this episode, we sit down with Ethan Handelman, the Deputy Assistant Secretary of Multifamily at HUD. Ethan discusses HUD's role in providing safe and affordable multifamily rental housing, highlighting recent updates to increase housing supply and address the climate crisis. The episode also explores broader issues like exclusionary zoning, community planning, and the ongoing challenges of...

Ford Williams, Vice President & Relationship Manager, Warehouse Lending. at First Horizon Bank, joins us to discuss the opportunity for mortgage lenders to benefit from construction loan programs, especially given the current housing shortage. We cover the profit potential these programs represent for lenders while also underscoring the importance of robust risk management practices. This disc...

Critical issues face the current housing market, including the shortage of millions of housing units, high interest rates, and the disparity in home ownership and accessibility. Vice President of Housing Finance Policy at the Urban Institute, Janneke Ratcliffe, joins us to break down these multifaceted challenges. We cover the historical context of government housing policies, the racial homeowner...