Managing Director, Mortgage Banking – FHA/HUD

Carolyn Whatley is a 25+-year veteran of the mortgage banking and apartment development industry. She has closed over $1 billion in multifamily, senior housing, healthcare and commercial real estate loans encompassing 43 states. For more than 20 years, Carolyn has specialized in originating FHA insured (HUD) transactions for market rate and affordable housing properties nationwide. Her successes have included closings for refinance, acquisition, new construction, sub-rehab, market rate, low income housing tax credit, historic tax credit and tax exempt bond transactions. In addition, she has experience with Fannie Mae, Freddie Mac, conduit and municipal pension fund placements. For 13 years, Carolyn served as a principal with The MIG Companies where she was responsible for their national multifamily construction lending platform. During her career, Carolyn has been recognized as a top producer on multiple occasions and recognized by her peers as a leader.

Carolyn is proud to represent the industry by serving as an active member on the board of the Southeast Mortgagee Advisory Council since 2009, including a term as its president. This organization works directly with the HUD offices, lenders and third-party vendors in the region to educate and improve the process.

Carolyn’s goal is simple - to earn your next deal. The deep bench of expertise at Berkadia, combined with a culture of collaboration, makes Berkadia the perfect place to achieve this goal.

Perhaps her clients describe her best – “she will work harder, think smarter and resource contacts developed over a long career to make certain that the loan gets done.”


Affiliations & Memberships

  • Southeast Mortgagee Advisory Council, Board Member & Past President
  • CREW Treasure Coast
  • CREW Miami
  • National Housing & Rehabilitation Association
  • GA Affordable Housing Coalition
  • Mortgage Bankers Association

Industry Specialization & Skills

  • Multifamily (Market Rate & Affordable)
  • Seniors Housing (Age Restricted & ALF)
  • New Construction and Existing
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