Joe Hardy
Managing Director, National Homebuilder Group
Flagstar Bank

Joe Hardy has been a banker for over 20 years, focusing primarily on lending to homebuilders and developers across the United States. Based in Houston, Texas Joe currently serves as the Managing Director for the National Homebuilder Group of Flagstar Bank which provides construction and development financing to production homebuilders and developers nationally from regional offices in Denver and Texas.  Prior to joining Flagstar Bank, Joe worked for Texas Capital Bank's Builder Finance Group establishing relationships and production in Texas, Florida, Georgia.and the Carolinas.  Previously, Joe worked for Royal Bank of Canada (RBC) for more than a decade where he was part of a national homebuilder lending platform, most recently adjudicating a multi-state distressed asset portfolio.  Prior to the downturn, Joe was an instrumental part of the homebuilder finance production efforts for RBC managing the markets of Arizona and New Mexico, always as a top producer of both new loan production and net revenue generation. Prior to RBC, Joe worked in the national homebuilder lending platforms within Key Bank and Bank United.