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How Volatility Affects Lending Decisions with Sharon Karaffa, Ep. 772

Black Podcasting - How Volatility Affects Lending Decisions with Sharon Karaffa, Ep. 772

Sharon Karaffa is the President of Multifamily Debt and Structured Finance at Newmark. With over two decades of experience, she’s built her career advising on agency lending, capital markets strategy, and multifamily finance. From starting in corporate finance at Fannie Mae to shaping lending strategies during volatile market cycles, Sharon brings a rare lens on long-term trends and real-time insights. She has led teams through critical transitions, including Fannie Mae’s restatement period and the public launch of Newmark’s multifamily platform, giving her a comprehensive view from both the borrower and lender perspective.

Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.

Key Takeaways

Topics Covered

Falling Into Multifamily by Taking a Chance

Navigating the Conservatorship Era

How Volatility Affects Lending Decisions

Bridge Loans vs. Agency Debt

Lender Advice: Don’t Wait for the ‘Perfect Rate’

Tech and AI in Multifamily Lending

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Round of Insights

Failure that set Sharon up for success: Forgetting to deliver highly sensitive Monday-morning meeting materials to the CEO and executives during her early years in corporate finance. The incident pushed her to prioritize preparation and rethink broken processes.

Digital or mobile resource recommended: LinkedIn.

Book recommended most in the last year: Not Impossible by Mick Ebeling.

Daily habit that keeps her focused: Using her calendar religiously to manage both professional and personal obligations with clarity.

#1 insight for selecting the right loan: Partner with a trusted loan originator who understands your long-term strategy and can help tailor the right financing structure to meet those goals.

Next Steps

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