Stephen J. Ervin co-heads the Seniors Housing and Healthcare Group at Berkadia. He is responsible for oversight of origination, underwriting, quality control and closing of loans related to all aspects of Seniors Housing and Healthcare including independent living facilities, assisted living facilities, skilled nursing and hospitals through Fannie Mae, Freddie Mac, HUD and Berkadia’s proprietary loan program. Prior to joining Berkadia, Mr. Ervin ran the HUD group for Walker & Dunlop and Column Guaranteed and successfully built that group from the ground up to financing over $1 billion HUD loans with a focus on the healthcare sector. He is an active participant in many HUD associations. He is a member of 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. Mr. Ervin has also worked as a contractor to HUD’s multifamily division and Ginnie Mae while working for Ervin and Associates and Phoenix Ventures. Steve started his career at Ernst & Young after graduating from Georgetown University with a bachelor's degree in accounting.