Matthew T. Sato brings over 30+ years of experience in commercial real estate finance, with a specialized focus on multifamily and healthcare FHA lending.
He spent over two decades at Berkadia Commercial Mortgage, where he served in multiple leadership roles, including Deputy Chief Underwriter.
My Journey
Over 30+ years of experience guiding developers, lenders, and stakeholders through the complex HUD/FHA processes.
Core Values
Integrity, insight, and client-focused solutions guide every step I take.
Key Achievements:
- HUD Approved Underwriter on 142 closed loans
- Over $2.24 billion in closed loan volume
- Involved in underwriting/review of 300+ properties
- Total transaction volume exceeding $5.5 billion
- Oversaw $7.49 billion in underwriting production
- Contributed to $12.85 billion in FHA production (2020–2026)
- Zero defaults on HUD-approved loans
“Matt is likely our most prolific HUD underwriter and manager in the history of Berkadia.”
— Head of FHA Underwriting, Berkadia