Steve Ervin

SVP - Head of FHA and Seniors Housing Finance
Seniors Housing & Healthcare
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Steve Ervin leads Berkadia FHA/HUD as well as Berkadia Seniors Housing & Healthcare. He is responsible for strategy and oversight for Berkadia’s HUD-insured product lines nationwide as well as managing the overall HUD relationship for Berkadia’s industry leading FHA team. Steve is also responsible for strategy and oversight for all lending sources of Berkadia Seniors Housing and Healthcare, including Fannie Mae, Freddie Mac and HUD as well as managing investment sales. Steve is further responsible for developing other financing sources to complement the Berkadia FHA/HUD and Seniors Housing. Combined, these businesses generated over $3.5 billion in production in 2021 including being recognized as the top Freddie Mac seniors housing lender.

Hired by Berkadia in 2011 to restart a once successful Seniors Housing and Healthcare Finance program, Steve built a team that would grow lending volume from $50M to over $1B in 3 years. Under the Steve’s direction, Berkadia FHA/HUD has been ranked as one of the top HUD production lenders by volume over the past several years and continues to be a thought leader in the HUD finance world. In other roles at Berkadia, Steve managed Berkadia Affordable Housing, co-managed the Washington DC office and managed the Boston office.

Prior to joining Berkadia, Steve ran the HUD group for Walker & Dunlop after its purchase of Column Guaranteed where he started Column’s HUD shop. He successfully built that group from the ground up to financing over $1B in HUD loans. He held many positions in leadership of several HUD associations including the HUD Eastern Lenders Association, MBA’s Multifamily Steering Committee and the Committee on Healthcare Finance. Prior to joining Column, he held positions as Deputy Chief Underwriter for Love Funding where he was responsible for oversight of all underwriting operations. Steve’s career has encompassed over 30 years of HUD finance experience in various roles as a contractor to HUD, a consultant, an underwriter and a banker working on multifamily and healthcare transactions throughout.

Education & Certifications

  • Georgetown University, BA

Affiliations & Memberships

  • Committee on Healthcare Finance - Advisory Board
  • MBA FHA Committee Chair - 2014-2015
  • Various Committee Chairs - MBA Leadership - Continuing
  • HUD Eastern Lenders Association; President 2009-2011; Board of Directors 2005-2011
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