Leading our Homebuilding team.

Joe Hardy began his career in a small community bank’s mortgage department. After a homebuilder finance group was formed there, he was asked to join the team and has been in the industry ever since. Today, as Managing Director of Homebuilder Finance, Joe brings nearly 25 years of in-the-field know-how to Flagstar.


Solving problems with creative solutions is one of Hardy’s strengths. In fact, it is his mission to exhaust all options in order to find ways to serve his clients financial needs. Joe understands the need to add value wherever possible, whether crafting a creative loan structure, or helping to connect clients with internal partners for other banking services.


Having helped put hundreds of thousands of people in homes, the rewards of his work can be found all over the country. Joe enjoys the satisfaction of driving through communities that he played a part in developing. “You take a raw piece of dirt that a developer has found, and the next thing you know, you have tree-lined streets and houses filled with families.”


When he isn’t hard at work for Flagstar, Hardy hits the links and volunteers for church activities.