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Housing Affordability Tops Metro Atlanta Concerns

November 18, 2025 by John Ray

Housing Affordability Tops Metro Atlanta Concerns: Inside the Metro Atlanta Speaks 2025 Survey, on the North Fulton Voices podcast
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Housing Affordability Tops Metro Atlanta Concerns: Inside the Metro Atlanta Speaks 2025 Survey, on the North Fulton Voices podcast

Housing Affordability Tops Metro Atlanta Concerns: Inside the Metro Atlanta Speaks 2025 Survey (North Fulton Voices, Episode 15)

For the first time since the Metro Atlanta Speaks survey began in 2013, housing affordability has emerged as the region’s top concern, edging out longtime leaders like traffic, crime, and the overall economy. In this edition of North Fulton Voices, hosts Jack Murphy and Kathy Swahn have a conversation with Ann Carpenter, Chief Research and Innovation Officer at the Atlanta Regional Commission, and Bill Huang, ARC data scientist and lead analyst for Metro Atlanta Speaks 2025.

Ann and Bill walk through how the survey is conducted across 11 Metro Atlanta counties, what has changed in this year’s results, and why residents are feeling the squeeze. They discuss numbers that catch your attention: more than 4,100 respondents, a sharp rise in pessimism about the next three to four years, and a striking share of renters who say they simply cannot afford to move within their own neighborhoods. They also highlight where the public sees causes and solutions, from zoning and investors to infill development and transit investment.

The conversation then shifts to North Fulton. Kathy and Jack connect the data to the on-the-ground reality of trying to obtain a home under four hundred thousand dollars or a rental under twenty-five hundred a month on a one hundred thousand dollar household income. They offer a concrete call to action for listeners: pay attention to comprehensive planning in cities like Alpharetta and Roswell, and use this data as a starting point for informed, practical conversations about housing affordability and missing middle housing.

To access the complete 2025 Metro Atlanta Speaks survey, follow this link.

North Fulton Voices is presented by the North Fulton Improvement Network. The show series is proudly sponsored by John Ray Co. and North Fulton Business Radio, LLC.

Key Takeaways from This Episode

  • Housing affordability is now the top concern in the Metro Atlanta Speaks 2025 survey, ahead of traffic, crime, and the broader economy.
  • Renters are feeling the strain most acutely, although homeowners also report rising pressure on housing affordability as well.
  • The ARC team prefers “housing affordability” rather than “affordable housing,” since the challenge spans a wide range of incomes and situations, not just subsidized units.
  • Residents express openness to solutions such as infill development, housing near job centers, and better transit options.
  • Vocal opposition to new housing often sounds louder than it is, and the broader public may be more supportive of change than public meetings suggest.
  • For North Fulton, the data helps frame the difficulty of finding attainable homes and rentals for the workforce that powers the local economy.
  • Local comprehensive planning is a key lever for shaping future housing options, and residents have an opportunity to bring real data into those discussions.

Topics Discussed in this Episode

00:00 Introduction to North Fulton Voices
00:35 Overview of the Metro Atlanta Speaks 2025 Survey
02:06 Key Findings from the Survey
04:00 Introducing the Guests: Ann Carpenter and Bill Huang
05:34 Deep Dive into Survey Methodology
07:12 Housing Affordability: A Growing Concern
12:05 Public Perception and Policy Implications
15:00 Traffic, Transportation, and Regional Growth
17:14 Future Directions and Community Engagement
33:39 Conclusion and Call to Action

Atlanta Regional Commission

The Atlanta Regional Commission (ARC) is the official planning agency for the 11-county Atlanta Region, including Cherokee, Clayton, Cobb, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Henry, and Rockdale counties, as well as the City of Atlanta and 74 other cities. The Atlanta Regional Commission’s mission is to foster thriving communities for all within the Atlanta region through collaborative, data-informed planning and investments.

Website | LinkedIn | Instagram | Facebook | X (Twitter)

Ann Carpenter

Ann Carpenter, Atlanta Regional Commission
Ann Carpenter

Ann Carpenter is the Chief Research and Innovation Officer at the Atlanta Regional Commission. She leads the team responsible for producing data, analysis, and applied research to inform long-range planning for the eleven-county Metro Atlanta region. Ann has a strong background in housing and community development research and focuses on connecting high-quality data to real-world decisions related to transportation, housing, and regional growth. Before joining ARC, she worked at the Federal Reserve Bank as Assistant Vice President and Director of Community Development Research, where she addressed issues like affordable housing and community resilience. Ann has also worked closely with ARC during the COVID-19 pandemic and serves on regional advisory boards. She graduated from Georgia Tech and is deeply committed to enhancing the Atlanta region through data-driven planning and innovation.

LinkedIn

Bill Huang

Bill Huang, Atlanta Regional Commission
Bill Huang

Bill Huang is an urban data scientist at the Atlanta Regional Commission and the principal analyst for the Metro Atlanta Speaks survey. He designs and maintains data tools and analytical models that give practical advice to local governments and community leaders, helping them understand public sentiment, quality-of-life trends, and regional challenges like transportation, economic issues, artificial intelligence, and climate shifts. Holding a Bachelor of Science in Mechanical Engineering and a Master of Science in Urban Analytics from Georgia Institute of Technology, Bill combines technical expertise with a multidisciplinary, people-centered approach to urban planning. He is also active in mentoring emerging urban planners, encouraging curiosity and strategic thinking in their work.

LinkedIn

North Fulton Improvement Network

The North Fulton Improvement Network (NFIN) is a think tank made up of community leaders from a variety of sectors, focused on missing middle housing and the livability challenges confronting North Fulton. We come from the six cities making up the northern half of Fulton County, Georgia—Alpharetta, Johns Creek, Milton, Mountain Park, Roswell, and Sandy Springs—and are working to address the widespread yet little-known financial vulnerability across the region. With stakeholders from sectors including business, nonprofit, faith, government, and citizens, we center our work on five areas of impact, seek to educate the public about these issues, build a network of individuals and organizations with innovative private and public solutions, and connect resources to those in need.

The leadership team of NFIN is Jack Murphy, Nancy Diamond, and Kathy Swahn.

Website | LinkedIn | Facebook | Instagram | Twitter | YouTube

Jack Murphy

Jack Murphy
Jack Murphy

Jack Murphy is a volunteer with The Society of St. Vincent de Paul and is Chair of the North Fulton Improvement Network. He is also in his 21st year of working for the Metro Atlanta Chamber of Commerce.

Prior to the Chamber, Jack worked for and with Fortune 500 companies in operations, human resources, training, and quality areas. Jack was a senior adjunct professor for Quality & Operations Management at Keller Graduate School for 14 years.

He has served on both the National and Georgia Boards of The Society of St. Vincent de Paul, responsible for Diversity, Advocacy, & Systemic Change. Jack is currently the national SVDP chair of Systemic Change and Advocacy.

Jack received a BA in psychology from Belmont Abbey College and a M.Ed. from UNC-Greensboro.  Jack and his wife, Nancy, a retired elementary school principal, have two grown daughters and two grandchildren. They live in Alpharetta, Georgia.

LinkedIn

Kathy Swahn

Kathy Swahn, President Emeritus, The Drake House
Kathy Swahn

Kathy has resided in the North Fulton area for almost 45 years. She has watched the community evolve from what was “unincorporated Fulton County” to a six-city bustling suburban community. Her history has been characterized by a focus on children: she was a stay-at-home mother who raised two daughters, she spent years in leadership roles in school PTAs and Girl Scouts, the National Charity League, the North Fulton Council of PTAs, and she served as chair of the Superintendent’s Advisory Council.

Kathy transitioned back to work by jumping into the non-profit world. She joined the team at North Fulton Community Charities, running their Holiday Program, becoming Development Director and successfully managing the $3 million capital campaign for their Elkins Road location. Along the way, she also served on the DFACS Board and chaired the board of the Fulton County Continuum of Care for four years.

After having the opportunity to join in the Greater North Fulton Chamber of Commerce Leadership Program, Kathy was surrounded with a dynamic group of folks who worked to create The Drake House. Since 2004, she served as board chair for the first four years, executive director for nine years, and is now retired. Over those years, The Drake House served over 500 single mothers with over 1,000 children and grew the assets of the organization to over $4 million.

Kathy continues to serve The Drake House on the Advocacy Committee, along with her work for NFIN.

She spends much of her time traveling to the DC area, where her children and grandchildren reside.

LinkedIn

Sponsor for North Fulton Voices: John Ray and North Fulton Business Radio, LLC

The North Fulton Voices show series is proudly sponsored by John Ray Co. and the North Fulton affiliate of Business RadioX®.

John Ray
John Ray

John Ray is a podcast show host and producer and owns North Fulton Business Radio, LLC, the North Fulton (Georgia) affiliate of Business RadioX®.

John also operates his own business advisory practice, Ray Business Advisors. John’s services include advising solopreneurs and small professional services firms on their value, their positioning and business development, and their pricing. His clients are professionals who are selling their expertise, such as consultants, coaches, attorneys, CPAs, accountants and bookkeepers, marketing professionals, and other professional services practitioners.

John is the author of the #1 nationally best-selling book, The Generosity Mindset:  A Journey to Business Success by Raising Your Confidence, Value, and Prices.

John is the host of North Fulton Business Radio and The Price and Value Journey. North Fulton Business Radio, the longest-running podcast in the North Fulton region of Georgia, features a wide range of business and community leaders. The Price and Value Journey is devoted to solo and small-firm professional services providers and covers issues such as pricing, value, and business development.

Tagged With: Affordable housing, Alpharetta, Ann Carpenter, Atlanta Regional Commission, Bill Huang, economic development, housing affordability, Jack Murphy, John Ray, Kathy Swahn, Metro Atlanta, Metro Atlanta Speaks, Metro Atlanta Speaks Survey, missing middle housing, North Fulton, North Fulton Improvement Network, North Fulton Voices, Public Policy, regional planning, Roswell, workforce housing

How Banks Shape Workforce Housing in North Fulton

August 22, 2025 by John Ray

How Banks Shape Workforce Housing in North Fulton, on the North Fulton Voices podcast
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How Banks Shape Workforce Housing in North Fulton (North Fulton Voices, Episode 13)

Affordable housing is often discussed in terms of zoning, development, or politics, but the financial system behind it is just as critical. In this episode of North Fulton Voices, hosts Jack Murphy and Kathy Swahn examine workforce housing through the banking lens with Antonio Henson of Renasant Bank and Scott Doll of American Commerce Bank.

Antonio and Scott explain how the Community Reinvestment Act (CRA) shapes what banks can and cannot do, and why CRA responsibilities go beyond loans to include financial literacy, board service, and community investment. The conversation also explores specific tools, from down payment assistance and Federal Home Loan Bank grants to manufactured housing and consortium lending, that can make projects financially viable.

Along the way, the guests unpack the toughest barriers, including land costs and loan risk, and highlight why creativity and collaboration among banks, developers, and municipalities are essential. For listeners in North Fulton and beyond, the episode offers a candid view of how financial institutions weigh risk, balance shareholder obligations with community needs, and use regulatory frameworks to help expand housing access for essential workers.

North Fulton Voices is presented by the North Fulton Improvement Network. The show series is proudly sponsored by John Ray Co. and North Fulton Business Radio, LLC.

Key Takeaways from this Episode

  • Housing Costs Outpace Income: Median home prices in North Fulton far exceed what many essential workers can afford
  • Banks as Enablers: While banks don’t build houses, they finance developers, provide loan products, and support community services through CRA obligations
  • CRA Requirements: Banks must demonstrate community impact through lending, investment, and service — from financial literacy programs to nonprofit board work
  • Creative Financing Tools: Down payment assistance, manufactured housing, and partnerships with community development financial institutions (CDFIs) can reduce barriers
  • Land as the Biggest Barrier: High land costs remain the toughest challenge, but land trusts and consortium lending models offer potential solutions
  • Moving Forward: Collaboration among banks, municipalities, and developers is essential to create realistic workforce housing opportunities

Topics Discussed in this Episode

00:00 Introduction to North Fulton Voices
00:23 Introducing the Hosts and Guests
00:54 Discussing the Housing Crisis
03:24 Banking Industry’s Role in Housing
04:03 Guest Introductions and Backgrounds
12:24 Community Reinvestment Act Overview
16:02 Banking Products and Programs
18:55 Challenges and Opportunities in Workforce Housing
20:26 Forum and Future Steps
20:59 Bankers’ Involvement in Affordable Housing
24:03 Consortiums and Partnerships in Development
25:30 Financing and Zoning for Housing Projects
32:26 Challenges and Solutions for Affordable Housing
35:51 Community and Policy for Housing Development
39:35 Contact Information and Closing Remarks

Antonio Henson, Renansat Bank

Antonio Henson, Renasant Bank, on the North Fulton Voices podcast
Antonio Henson, Renasant Bank

Antonio Henson has over twenty years of experience in business and banking. He has facilitated training sessions for staff aimed at enhancing product & credit knowledge and regulatory procedures.

Antonio has structured project financing designed to spur neighborhood revitalization efforts in the low-income communities throughout the State of New Jersey and Metro Atlanta. This action involved community outreach and working with elected officials, government agencies, quasi-public agencies and the private sector to promote revitalization and commercial development.

He has provided expertise and assistance to various community-based organizations to assist them with meeting the financial needs of their respective organizations.

LinkedIn

Scott Doll, American Commerce Bank

Scott Doll, American Commerce Bank, on the North Fulton Voices podcast
Scott Doll, American Commerce Bank

Scott Doll is the SVP of Retail Market Strategies and Community Development and also serves as the Community Reinvestment Act (CRA) Officer at American Commerce Bank, N.A. In these roles, he leads initiatives to strengthen the bank’s retail presence and deepen its community relationships, with a strategic focus on building partnerships that support sustainable local growth and ensuring compliance with CRA requirements. Scott’s career has included executive roles in both banking and nonprofit sectors, such as CEO of The Global Impact Group, Executive Director at the YMCA of Metro Atlanta, and Vice President at Crescent Bank and Trust Company, as well as the Bank of Ellijay. His expertise spans business development, financial management, team leadership, and advancing market strategies that align with the bank’s mission to serve its communities.

In addition to his leadership in retail strategy and CRA oversight, Scott is recognized for his dedication to philanthropic and civic causes, actively supporting local charities and participating in programs like Lionheart WORKS and Your Family’s Table through the bank’s Community of One Fund. He is passionate about financial literacy education and economic opportunity and regularly engages in volunteer projects that benefit families and youth. 

LinkedIn

North Fulton Improvement Network

The North Fulton Improvement Network (NFIN) is a think tank made up of community leaders from various sectors, focused on missing middle housing and the livability challenges confronting North Fulton. Its members come from the six cities constituting the northern half of Fulton County, Georgia—Alpharetta, Johns Creek, Milton, Mountain Park, Roswell, and Sandy Springs—and are working to address the widespread yet little-known financial vulnerability across the region. With stakeholders from sectors including business, nonprofit, faith, government, and citizens, NFIN centers their work on five areas of impact, seeks to educate the public about these issues, builds a network of individuals and organizations with innovative private and public solutions, and connects resources to those in need.

The leadership team of NFIN is Jack Murphy, Nancy Diamond, and Kathy Swahn.

Website | LinkedIn | Facebook | Instagram | X (Twitter) | YouTube

Jack Murphy

Jack Murphy
Jack Murphy

Jack Murphy is a volunteer with The Society of St. Vincent de Paul and is Chair of the North Fulton Improvement Network. He is also in his 21st year of working for the Metro Atlanta Chamber of Commerce.

Prior to the Chamber, Jack worked for and with Fortune 500 companies in operations, human resources, training, and quality areas. Jack was a senior adjunct professor for Quality & Operations Management at Keller Graduate School for 14 years.

He has served on both the National and Georgia Boards of The Society of St. Vincent de Paul, responsible for Diversity, Advocacy, & Systemic Change. Jack is currently the national SVDP chair of Systemic Change and Advocacy.

Jack received a BA in psychology from Belmont Abbey College and a M.Ed. from UNC-Greensboro. Jack and his wife, Nancy, a retired elementary school principal, have two grown daughters and two grandchildren. They live in Alpharetta, Georgia.

LinkedIn

Kathy Swahn

Kathy Swahn, President Emeritus, The Drake House
Kathy Swahn

Kathy has resided in the North Fulton area for almost 45 years. She has watched the community evolve from what was “unincorporated Fulton County” to a six-city bustling suburban community. Her history has been characterized by a focus on children: she was a stay-at-home mother who raised two daughters, she spent years in leadership roles in school PTAs and Girl Scouts, the National Charity League, the North Fulton Council of PTAs, and she served as chair of the Superintendent’s Advisory Council.

Kathy transitioned back to work by jumping into the non-profit world. She joined the team at North Fulton Community Charities, running their Holiday Program, becoming Development Director and successfully managing the $3 million capital campaign for their Elkins Road location. Along the way, she also served on the DFACS Board and chaired the board of the Fulton County Continuum of Care for four years.

After having the opportunity to join in the Greater North Fulton Chamber of Commerce Leadership Program, Kathy was surrounded with a dynamic group of folks who worked to create The Drake House. Since 2004, she served as board chair for the first four years, executive director for nine years, and is now retired. Over those years, The Drake House served over 500 single mothers with over 1,000 children and grew the assets of the organization to over $4 million.

Kathy continues to serve The Drake House on the Advocacy Committee, along with her work for NFIN.

She spends much of her time traveling to the DC area, where her children and grandchildren reside.

LinkedIn

About North Fulton Voices

While North Fulton County is one of the most desirable places to live in the United States, the region faces a growing crisis: a severe shortage of housing options for middle-income employees, particularly essential workers such as first responders and teachers. North Fulton Voices, presented by the North Fulton Improvement Network, is the go-to source for in-depth analysis and discussion of missing middle housing and the livability challenges confronting North Fulton. Listen as we understand the implications of this problem, explore innovative solutions, and examine why providing these housing options is vital for North Fulton’s future.

The show series is sponsored and offered as a service to the community by John Ray Co. and the North Fulton affiliate of Business RadioX®.

Sponsor for North Fulton Voices: John Ray and North Fulton Business Radio, LLC

The North Fulton Voices show series is proudly sponsored by John Ray Co. and the North Fulton affiliate of Business RadioX®.

John Ray
John Ray

John Ray is a podcast show host and producer and owns North Fulton Business Radio, LLC, the North Fulton (Georgia) affiliate of Business RadioX®.

John also operates his own business advisory practice, Ray Business Advisors. John’s services include advising solopreneur and small professional services firms on their value, their positioning and business development, and their pricing. His clients are professionals who are selling their expertise, such as consultants, coaches, attorneys, CPAs, accountants and bookkeepers, marketing professionals, and other professional services practitioners.

John is the author of the #1 nationally best-selling book, The Generosity Mindset:  A Journey to Business Success by Raising Your Confidence, Value, and Prices.

John is the host of North Fulton Business Radio and The Price and Value Journey. North Fulton Business Radio, the longest-running podcast in the North Fulton region of Georgia, features a wide range of business and community leaders. The Price and Value Journey is devoted to solo and small firm professional services providers, and covers issues such as pricing, value, and business development.

Tagged With: Affordable housing, American Commerce Bank, Antonio Henson, Atlanta housing crisis, banking and housing, Community Development, Community Reinvestment Act, consortium lending, CRA, down payment assistance, Financial Literacy, housing affordability, housing finance, Jack Murphy, John Ray, Kathy Swahn, land trusts, manufactured housing, North Fulton, North Fulton housing crisis, North Fulton Voices, renasant bank, Scott Doll, workforce housing

Hard Truth from Atlanta Home Builders: ‘We Can’t Build What People Need’

July 10, 2025 by John Ray

Hard Truth from Atlanta Home Builders: 'We Can't Build What People Need', with Corey Deal, Greater Atlanta Home Builders Association, and Jordon Tench, O'Dwyer Properties, on the North Fulton Voices podcast
North Fulton Studio
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Hard Truth from Atlanta Home Builders: 'We Can't Build What People Need', with Corey Deal, Greater Atlanta Home Builders Association, and Jordon Tench, O'Dwyer Properties, on the North Fulton Voices podcast

Hard Truth from Atlanta Home Builders: ‘We Can’t Build What People Need’ (North Fulton Voices, Episode 12)

In this episode of North Fulton Voices, Nancy Diamond and Kathy Swahn of the North Fulton Improvement Network sit down with Corey Deal of the Greater Atlanta Home Builders Association and Jordon Tench of O’Dwyer Properties for a candid conversation about the rising costs, regulations, and resistance that are holding back housing in North Fulton and beyond.

Corey and Jordon pull back the curtain on how zoning delays, impact fees, and well-meaning but counterproductive regulations are creating a perfect storm—one that’s pushing out local builders and making it nearly impossible to deliver housing that everyday workers can afford.

They talk about what’s changed since the Great Recession, why even flat growth is a win in today’s market, and how good intentions at the local government level often result in bad policy outcomes. This conversation highlights the growing disconnect between the homes our communities need and what builders are actually able to deliver.

If you’ve ever wondered why new homes seem unaffordable, why it takes years to break ground, or why builders keep leaving certain areas behind, this episode will provide the answers.

North Fulton Voices is presented by the North Fulton Improvement Network. The show series is proudly sponsored by John Ray Co. and North Fulton Business Radio, LLC.

Key Takeaways from this Episode

  • North Fulton remains critically undersupplied, with housing inventory well below what’s considered a balanced market.
  • Costs to build have soared, and new regulations alone are adding $100,000 or more to the price of a typical single-family home.
  • Permitting and development timelines now stretch up to seven years, a delay that favors large national builders and edges out smaller, local firms.
  • Local governments often want the jobs that growth brings but resist the new rooftops needed to house that workforce.
  • Square footage minimums, density restrictions, and tree ordinances contribute to affordability challenges, especially for entry-level housing.
  • Both guests call for earlier collaboration with builders, more flexible zoning, and a willingness to rethink what affordability actually means.

Topics Discussed in this Episode

00:00 Introduction and Welcome to North Fulton Voices
00:59 Introducing the Guests, Corey Deal and Jordon Tench
01:25 Housing Market Data Overview
02:28 Corey Deal: Greater Atlanta Home Builders Association
03:43 Jordon Tench: O’Dwyer Properties
06:06 Challenges in Home Building
06:40 Impact of Regulations and Tariffs
11:50 Zoning and Permitting Issues
20:25 Investor Uncertainty and Market Differences
21:49 Challenges with Municipalities and Staff Turnover
22:45 Building Trust and Advocacy Efforts
24:42 Development Guide and Housing Affordability
27:08 Impact Fees and Legislative Actions
31:30 Accessory Dwelling Units (ADUs) and Density
35:42 Final Thoughts and Call to Action

Corey Deal, Greater Atlanta Home Builders Association

Corey Deal, Greater Atlanta Home Builders Association, on the North Fulton Voices podcast
Corey Deal, Greater Atlanta Home Builders Association

Corey Deal is the Executive Officer of the Greater Atlanta Home Builders Association.

The Greater Atlanta Home Builders Association is a not-for-profit professional trade association founded in 1945, dedicated to promoting, protecting, and preserving the home building industry as a vital economic force in the Atlanta area. It is one of over 800 local home builder associations in the United States and is affiliated with both the Home Builders Association of Georgia and the National Association of Home Builders. The association’s membership includes builders, remodelers, developers, trade contractors, manufacturers, suppliers, financial institutions, real estate companies, and professional service providers of all sizes.

The organization focuses on advocacy, education, networking, and community service, working to ensure an economically viable building environment and to promote public policy solutions that benefit both the housing industry and the community. It provides its members with valuable services and products aimed at increasing profitability, professionalism, and consumer value. The association also offers educational programs, certification opportunities, and supports charitable initiatives such as HomeAid Atlanta, which helps build and renovate housing for homeless families and individuals in Georgia.

Website

Jordon Tench, O’Dwyer Properties

Jordon Tench, O'Dwyer Properties, on the North Fulton Voices podcast
Jordon Tench, O’Dwyer Properties

Jordon Tench is the Land Development Manager of O’Dwyer Properties.

O’Dwyer Properties, operating as O’Dwyer Homes, is a local, family-owned and operated certified professional home builder based in Atlanta. Founded in 1992 by Dan O’Dwyer, the company has built more than 2,300 new homes and communities throughout the Atlanta area, maintaining a strong reputation for quality construction, energy efficiency, and customer satisfaction.

O’Dwyer Homes distinguishes itself by offering personalized, semi-custom homes and townhomes, with architectural styles including craftsman, traditional, and farmhouse exteriors paired with spacious, open-concept interiors. TThe company is recognized as Atlanta’s only local Energy Star-certified new home builder, ensuring its homes meet rigorous standards for energy efficiency, comfort, and durability.

O’Dwyer Properties is committed to delivering value and quality, providing a one-year builder warranty on materials and workmanship, as well as a ten-year structural warranty. The company is actively involved in industry organizations and community initiatives, with its leadership earning accolades such as “Builder of the Year” from the Greater Atlanta Home Builders Association and “Builder Captain of the Year” from HomeAid Atlanta.

Website

North Fulton Improvement Network

The North Fulton Improvement Network (NFIN) is a think tank made up of community leaders from various sectors, focused on missing middle housing and the livability challenges confronting North Fulton. Its members come from the six cities constituting the northern half of Fulton County, Georgia—Alpharetta, Johns Creek, Milton, Mountain Park, Roswell, and Sandy Springs—and are working to address the widespread yet little-known financial vulnerability across the region. With stakeholders from sectors including business, nonprofit, faith, government, and citizens, NFIN centers their work on five areas of impact, seeks to educate the public about these issues, builds a network of individuals and organizations with innovative private and public solutions, and connects resources to those in need.

The leadership team of NFIN is Jack Murphy, Nancy Diamond, and Kathy Swahn.

Website | LinkedIn | Facebook | Instagram | X (Twitter) | YouTube

Nancy Diamond

Nancy Diamond

Nancy Diamond is a Project Manager with Schmit & Associates, a real estate development firm, creating town center revitalization in communities all around the metro area.

Nancy served 8 years as a Roswell City Council Member, including a term as Mayor Pro Tem, with liaison positions with Community Development, Transportation, Recreation & Parks, and Public Safety.

In addition to her work with the North Fulton Improvement Network, Nancy has been active in area non-profit organizations, including board leadership positions in the STAR House Foundation, WellStar North Fulton Hospital, and the Roswell Rotary Club.

A native of Atlanta and a 42-year North Fulton resident, Nancy worked at Turner Broadcasting in the early years of CNN, then became a freelancer in sports television graphics. While raising her two daughters, she worked from home, first developing a corporate gift service and later as a mortgage loan originator.

Nancy and her husband, Glenn, now relish the role of grandparents to 8-year-old Owen.

LinkedIn

Kathy Swahn

Kathy Swahn, President Emeritus, The Drake House
Kathy Swahn

Kathy has resided in the North Fulton area for almost 45 years. She has watched the community evolve from what was “unincorporated Fulton County” to a six-city bustling suburban community. Her history has been characterized by a focus on children: she was a stay-at-home mother who raised two daughters, she spent years in leadership roles in school PTAs and Girl Scouts, the National Charity League, the North Fulton Council of PTAs, and she served as chair of the Superintendent’s Advisory Council.

Kathy transitioned back to work by jumping into the non-profit world. She joined the team at North Fulton Community Charities, running their Holiday Program, becoming Development Director and successfully managing the $3 million capital campaign for their Elkins Road location. Along the way, she also served on the DFACS Board and chaired the board of the Fulton County Continuum of Care for four years.

After having the opportunity to join in the Greater North Fulton Chamber of Commerce Leadership Program, Kathy was surrounded with a dynamic group of folks who worked to create The Drake House. Since 2004, she served as board chair for the first four years, executive director for nine years, and is now retired. Over those years, The Drake House served over 500 single mothers with over 1,000 children and grew the assets of the organization to over $4 million.

Kathy continues to serve The Drake House on the Advocacy Committee, along with her work for NFIN.

She spends much of her time traveling to the DC area, where her children and grandchildren reside.

LinkedIn

About North Fulton Voices

While North Fulton County is one of the most desirable places to live in the United States, the region faces a growing crisis: a severe shortage of housing options for middle-income employees, particularly essential workers such as first responders and teachers. North Fulton Voices, presented by the North Fulton Improvement Network, is the go-to source for in-depth analysis and discussion of missing middle housing and the livability challenges confronting North Fulton. Listen as we understand the implications of this problem, explore innovative solutions, and examine why providing these housing options is vital for North Fulton’s future.

The show series is sponsored and offered as a service to the community by John Ray Co. and the North Fulton affiliate of Business RadioX®.

Sponsor for North Fulton Voices: John Ray and North Fulton Business Radio, LLC

The North Fulton Voices show series is proudly sponsored by John Ray Co. and the North Fulton affiliate of Business RadioX®.

John Ray
John Ray

John Ray is a podcast show host and producer and owns North Fulton Business Radio, LLC, the North Fulton (Georgia) affiliate of Business RadioX®.

John also operates his own business advisory practice, Ray Business Advisors. John’s services include advising solopreneur and small professional services firms on their value, their positioning and business development, and their pricing. His clients are professionals who are selling their expertise, such as consultants, coaches, attorneys, CPAs, accountants and bookkeepers, marketing professionals, and other professional services practitioners.

John is the author of the #1 nationally best-selling book, The Generosity Mindset:  A Journey to Business Success by Raising Your Confidence, Value, and Prices.

John is the host of North Fulton Business Radio and The Price and Value Journey. North Fulton Business Radio, the longest-running podcast in the North Fulton region of Georgia, features a wide range of business and community leaders. The Price and Value Journey is devoted to solo and small firm professional services providers, and covers issues such as pricing, value, and business development.

Tagged With: Atlanta home builders, Atlanta residential real estate, Corey Deal, Greater Atlanta Home Builders Association, housing affordability, housing crisis, housing policy, Jack Murphy, Jordon Tench, Kathy Swahn, local zoning restrictions, Nancy Diamond, North Fulton Improvement Network, North Fulton Voices, O'Dwyer Properties, planning and zoning, workforce housing, zoning

Public Policy and the Workforce Housing Crisis, Part 2, with Kyle Wingfield, Georgia Public Policy Foundation

December 23, 2024 by John Ray

Public Policy and the Workforce Housing Crisis, Part 2, with Kyle Wingfield, Georgia Public Policy Foundation, on the North Fulton Voices podcast, North Fulton Improvement Network
North Fulton Studio
Public Policy and the Workforce Housing Crisis, Part 2, with Kyle Wingfield, Georgia Public Policy Foundation
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Public Policy and the Workforce Housing Crisis, Part 2, with Kyle Wingfield, Georgia Public Policy Foundation (North Fulton Voices, Episode 7)

This episode of North Fulton Voices is part two of an interview with Kyle Wingfield of the Georgia Public Policy Foundation. Led by Jack Murphy and Nancy Diamond of the North Fulton Improvement Network, the discussion focuses on the challenges and impact of government regulations on housing costs, Governor Kemp’s rural housing initiative, the need for community decisions conducive to growth, and innovative housing solutions. The episode explores the interconnected issues of zoning, infrastructure, and economic development and highlights the need for local governments to make progressive changes to accommodate housing demands. Wingfield emphasizes the significance of understanding and addressing the urgent housing shortfall in Georgia and encourages community involvement in local planning.

North Fulton Voices is presented by the North Fulton Improvement Network. The show series is proudly sponsored by John Ray Co. and the North Fulton affiliate of Business RadioX®.

Kyle Wingfield, President and CEO, Georgia Public Policy Foundation

Kyle Wingfield, Georgia Public Policy Foundation, as heard on the North Fulton Voices podcast, North Fulton Improvement Network
Kyle Wingfield, Georgia Public Policy Foundation

Kyle Wingfield is a native of Dalton and graduate of the University of Georgia. He joined the Foundation as president and CEO in April 2018 after spending nine years as an opinion columnist for The Atlanta Journal-Constitution. He has also worked for the Wall Street Journal, based in Brussels, Belgium, from 2004 to 2009, and for the Associated Press, based in Atlanta and Montgomery, Ala., from 2001 to 2004.

At the AJC, Kyle wrote often about state politics and policy, focusing especially on education and school choice, transportation, health care, and state and local taxation. He is a frequent guest on GPB’s “Political Rewind” show and was a finalist for the Reason Foundation’s Bastiat Prize for Journalism in 2013. Kyle’s weekly column continues to appear in 10 newspapers around the state.

Kyle received the UGA Grady College’s John E. Drewry Young Alumnus Award in 2006, was named to the UGA Alumni Association’s 40 Under 40 Class of 2012 and is a member of UGA’s Board of Visitors. He is a member of Leadership Georgia’s Class of 2018 and, as an Eagle Scout, remains an active volunteer in Scouting.

LinkedIn

Georgia Public Policy Foundation

The Georgia Public Policy Foundation is a 501(c)(3) non-profit, nonpartisan research institute with a mission to improve the lives of Georgians through public policies that enhance economic opportunity and freedom.

The Foundation believes that sound public policy is grounded in facts, an understanding of economic principles, and core values of the free enterprise system—economic freedom, limited government, personal responsibility, individual initiative, respect for private property, and the rule of law.

Since 1991, the Georgia Public Policy Foundation has conducted rigorous research and analysis of state public policy issues, striving to educate citizens, policymakers, and the media. The Foundation remains state-focused, independent, non-partisan, and market-oriented in its approach.

Each year, the Foundation hosts over a dozen events across Georgia, providing opportunities for members to discuss pressing issues with leaders in politics, education, media, and business. Past speakers include Presidents of the United States, U.S. Speakers of the House, Supreme Court Justices, U.S. senators, representatives, presidential candidates, ambassadors, state officials, governors, members of the national media, and local business leaders.

Website | LinkedIn | Facebook | X (Twitter)

Topics Discussed in this Episode

00:00 Introduction and Recap of Part One
01:15 Governor Kemp’s Rural Housing Initiative
05:09 Challenges in Housing Development
11:57 Economic Development and Housing Affordability
23:13 Innovative Housing Solutions
30:24 Call to Action and Conclusion

North Fulton Improvement Network

The North Fulton Improvement Network (NFIN) is a think tank made up of community leaders from a variety of sectors, focused on missing middle housing and the livability challenges confronting North Fulton. We come from the six cities making up the northern half of Fulton County, Georgia — Alpharetta, Johns Creek, Milton, Mountain Park, Roswell, and Sandy Springs — and are working to address the widespread yet little-known financial vulnerability across the region. With stakeholders from sectors including business, nonprofit, faith, government, and citizens, we center our work on five areas of impact, seek to educate the public about these issues, build a network of individuals and organizations with innovative private and public solutions, and connect resources to those in need.

The leadership team of NFIN is Jack Murphy, Nancy Diamond, and Kathy Swahn.

Website | LinkedIn | Facebook | Instagram | X (Twitter) | YouTube

Jack Murphy

Jack Murphy
Jack Murphy

Jack Murphy is a volunteer with The Society of St. Vincent de Paul and is Chair of the North Fulton Improvement Network. He is also in his 21st year of working for the Metro Atlanta Chamber of Commerce.

Prior to the Chamber, Jack worked for and with Fortune 500 companies in operations, human resources, training, and quality areas. Jack was a senior adjunct professor for Quality & Operations Management at Keller Graduate School for 14 years.

He has served on both the National and Georgia Boards of The Society of St. Vincent de Paul, responsible for Diversity, Advocacy, & Systemic Change. Jack is currently the national SVDP chair of Systemic Change and Advocacy.

Jack received a BA in psychology from Belmont Abbey College and a M.Ed. from UNC-Greensboro. Jack and his wife, Nancy, a retired elementary school principal, have two grown daughters and two grandchildren. They live in Alpharetta, Georgia.

LinkedIn

Nancy Diamond

Nancy Diamond

Nancy Diamond is a Project Manager with Schmit & Associates, a real estate development firm, creating town center revitalization in communities all around the metro area.

Nancy served 8 years as a Roswell City Council Member, including a term as Mayor Pro Tem, with liaison positions with Community Development, Transportation, Recreation & Parks, and Public Safety.

In addition to her work with the North Fulton Improvement Network, Nancy has been active in area non-profit organizations, including board leadership positions in the STAR House Foundation, WellStar North Fulton Hospital, and the Roswell Rotary Club.

A native of Atlanta and a 42-year North Fulton resident, Nancy worked at Turner Broadcasting in the early years of CNN, then became a freelancer in sports television graphics. While raising her two daughters, she worked from home, first developing a corporate gift service and later as a mortgage loan originator.

Nancy and her husband, Glenn, now relish the role of grandparents to 8-year-old Owen.

LinkedIn

About North Fulton Voices

While North Fulton County is one of the most desirable places to live in the United States, the region faces a growing crisis: a severe shortage of housing options for middle-income employees, particularly essential workers such as first responders and teachers. North Fulton Voices, presented by the North Fulton Improvement Network, is the go-to source for in-depth analysis and discussion of missing middle housing and the livability challenges confronting North Fulton. Listen as we understand the implications of this problem, explore innovative solutions, and examine why providing these housing options is vital for North Fulton’s future. The show is sponsored and offered as a service to the community by John Ray Co. and the North Fulton affiliate of Business RadioX®.

Sponsor for North Fulton Voices: John Ray and Business RadioX – North Fulton

The North Fulton Voices show series is proudly sponsored by John Ray Co. and the North Fulton affiliate of Business RadioX®.

John Ray
John Ray

John Ray is a podcast show host and producer and owns the North Fulton (Georgia) affiliate of Business RadioX®.

John also operates his own business advisory practice, Ray Business Advisors. John’s services include advising solopreneur and small professional services firms on their value, their positioning and business development, and their pricing. His clients are professionals who are selling their expertise, such as consultants, coaches, attorneys, CPAs, accountants and bookkeepers, marketing professionals, and other professional services practitioners.

John is the author of the #1 nationally best-selling book, The Generosity Mindset:  A Journey to Business Success by Raising Your Confidence, Value, and Prices.

John is the host of North Fulton Business Radio and The Price and Value Journey. North Fulton Business Radio, the longest-running podcast in the North Fulton region of Georgia, features a wide range of business and community leaders. The Price and Value Journey is devoted to solo and small firm professional services providers and covers issues such as pricing, value, and business development.

Website | LinkedIn

Tagged With: Affordable housing, Georgia Public Policy Foundation, housing affordability, housing policy, housing regulations, Jack Murphy, John Ray, Kyle Wingfield, middle-income housing, Nancy Diamond, North Fulton Improvement Network, North Fulton Voices, workforce housing

Public Policy and the Workforce Housing Crisis, Part 1, with Kyle Wingfield, Georgia Public Policy Foundation

November 12, 2024 by John Ray

Public Policy and the Workforce Housing Crisis, Part 1, with Kyle Wingfield, Georgia Public Policy Foundation, on the North Fulton Voices podcast
North Fulton Studio
Public Policy and the Workforce Housing Crisis, Part 1, with Kyle Wingfield, Georgia Public Policy Foundation
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Public Policy and the Workforce Housing Crisis, Part 1, with Kyle Wingfield, Georgia Public Policy Foundation (North Fulton Voices, Episode 6)

This episode of North Fulton Voices is part one of a two-part interview with Kyle Wingfield, President and CEO of the Georgia Public Policy Foundation. Led by Jack Murphy and Nancy Diamond of the North Fulton Improvement Network, the conversation focuses on the pressing issue of workforce housing affordability in the North Fulton region as well as the State of Georgia generally. Key insights include the impact of government regulations on housing costs, the definition and challenges of middle-income housing, and the broader implications of local policies on housing affordability. The episode emphasizes the need for community engagement and innovative public policy solutions to address the workforce housing crisis in North Fulton.

North Fulton Voices is presented by the North Fulton Improvement Network. The show series is proudly sponsored by John Ray Co. and the North Fulton affiliate of Business RadioX®.

Kyle Wingfield, President and CEO, Georgia Public Policy Foundation

Kyle Wingfield, Georgia Public Policy Foundation

Kyle Wingfield is a native of Dalton and graduate of the University of Georgia. He joined the Foundation as president and CEO in April 2018 after spending nine years as an opinion columnist for The Atlanta Journal-Constitution. He has also worked for the Wall Street Journal, based in Brussels, Belgium, from 2004 to 2009, and for the Associated Press, based in Atlanta and Montgomery, Ala., from 2001 to 2004.

At the AJC, Kyle wrote often about state politics and policy, focusing especially on education and school choice, transportation, health care, and state and local taxation. He is a frequent guest on GPB’s “Political Rewind” show and was a finalist for the Reason Foundation’s Bastiat Prize for Journalism in 2013. Kyle’s weekly column continues to appear in 10 newspapers around the state.

Kyle received the UGA Grady College’s John E. Drewry Young Alumnus Award in 2006, was named to the UGA Alumni Association’s 40 Under 40 Class of 2012 and is a member of UGA’s Board of Visitors. He is a member of Leadership Georgia’s Class of 2018 and, as an Eagle Scout, remains an active volunteer in Scouting.

LinkedIn

Georgia Public Policy Foundation

The Georgia Public Policy Foundation is a 501(c)(3) non-profit, nonpartisan research institute with a mission to improve the lives of Georgians through public policies that enhance economic opportunity and freedom.

The Foundation believes that sound public policy is grounded in facts, an understanding of economic principles, and core values of the free enterprise system—economic freedom, limited government, personal responsibility, individual initiative, respect for private property, and the rule of law.

Since 1991, the Georgia Public Policy Foundation has conducted rigorous research and analysis of state public policy issues, striving to educate citizens, policymakers, and the media. The Foundation remains state-focused, independent, non-partisan, and market-oriented in its approach.

Each year, the Foundation hosts over a dozen events across Georgia, providing opportunities for members to discuss pressing issues with leaders in politics, education, media, and business. Past speakers include Presidents of the United States, U.S. Speakers of the House, Supreme Court Justices, U.S. senators, representatives, presidential candidates, ambassadors, state officials, governors, members of the national media, and local business leaders.

Website | LinkedIn | Facebook | X (Twitter)

Topics Discussed in this Episode

00:00 Introduction and Series Overview
00:53 Welcome to North Fulton Voices
01:18 Discussing Workforce Housing
01:39 Data on Housing Affordability
04:35 Interview with Kyle Wingfield, Georgia Public Policy Foundation
05:46 Kyle Wingfield’s Background
07:15 The Importance of Respectful Disagreement
11:57 Government’s Role in Housing Costs
16:47 Local Regulations and Their Impact
19:25 Comparative Analysis of Housing Regulations
26:33 Challenges and Solutions for Workforce Housing
31:13 Conclusion and Next Steps

North Fulton Improvement Network

The North Fulton Improvement Network (NFIN) is a think tank made up of community leaders from a variety of sectors, focused on missing middle housing and the livability challenges confronting North Fulton. We come from the six cities making up the northern half of Fulton County, Georgia — Alpharetta, Johns Creek, Milton, Mountain Park, Roswell, and Sandy Springs — and are working to address the widespread yet little-known financial vulnerability across the region. With stakeholders from sectors including business, nonprofit, faith, government, and citizens, we center our work on five areas of impact, seek to educate the public about these issues, build a network of individuals and organizations with innovative private and public solutions, and connect resources to those in need.

The leadership team of NFIN is Jack Murphy, Nancy Diamond, and Kathy Swahn.

Website | LinkedIn | Facebook | Instagram | X (Twitter) | YouTube

Jack Murphy

Jack Murphy
Jack Murphy

Jack Murphy is a volunteer with The Society of St. Vincent de Paul and is Chair of the North Fulton Improvement Network. He is also in his 21st year of working for the Metro Atlanta Chamber of Commerce.

Prior to the Chamber, Jack worked for and with Fortune 500 companies in operations, human resources, training, and quality areas. Jack was a senior adjunct professor for Quality & Operations Management at Keller Graduate School for 14 years.

He has served on both the National and Georgia Boards of The Society of St. Vincent de Paul, responsible for Diversity, Advocacy, & Systemic Change. Jack is currently the national SVDP chair of Systemic Change and Advocacy.

Jack received a BA in psychology from Belmont Abbey College and a M.Ed. from UNC-Greensboro.  Jack and his wife, Nancy, a retired elementary school principal, have two grown daughters and two grandchildren. They live in Alpharetta, Georgia.

LinkedIn

Nancy Diamond

Nancy Diamond

Nancy Diamond is a Project Manager with Schmit & Associates, a real estate development firm, creating town center revitalization in communities all around the metro area.

Nancy served 8 years as a Roswell City Council Member, including a term as Mayor Pro Tem, with liaison positions with Community Development, Transportation, Recreation & Parks, and Public Safety.

In addition to her work with the North Fulton Improvement Network, Nancy has been active in area non-profit organizations, including board leadership positions in the STAR House Foundation, WellStar North Fulton Hospital, and the Roswell Rotary Club.

A native of Atlanta and a 42-year North Fulton resident, Nancy worked at Turner Broadcasting in the early years of CNN, then became a freelancer in sports television graphics. While raising her two daughters, she worked from home, first developing a corporate gift service, and later as a mortgage loan originator.

Nancy and her husband, Glenn, now relish the role of grandparents to 8-year-old Owen.

LinkedIn

About North Fulton Voices

While North Fulton County is one of the most desirable places to live in the United States, the region faces a growing crisis: a severe shortage of housing options for middle-income employees, particularly essential workers such as first responders and teachers. North Fulton Voices, presented by the North Fulton Improvement Network, is the go-to source for in-depth analysis and discussion of missing middle housing and the livability challenges confronting North Fulton. Listen as we understand the implications of this problem, explore innovative solutions, and examine why providing these housing options is vital for North Fulton’s future. The show is sponsored and offered as a service to the community by John Ray Co. and the North Fulton affiliate of Business RadioX®.

Sponsor for North Fulton Voices: John Ray and Business RadioX – North Fulton

The North Fulton Voices show series is proudly sponsored by John Ray Co. and the North Fulton affiliate of Business RadioX®.

John Ray
John Ray

John Ray is a podcast show host and producer and owns the North Fulton (Georgia) affiliate of Business RadioX®.

John also operates his own business advisory practice, Ray Business Advisors. John’s services include advising solopreneur and small professional services firms on their value, their positioning and business development, and their pricing. His clients are professionals who are selling their expertise, such as consultants, coaches, attorneys, CPAs, accountants and bookkeepers, marketing professionals, and other professional services practitioners.

John is the author of the #1 nationally best-selling book, The Generosity Mindset:  A Journey to Business Success by Raising Your Confidence, Value, and Prices.

John is the host of North Fulton Business Radio and The Price and Value Journey. North Fulton Business Radio, the longest-running podcast in the North Fulton region of Georgia, features a wide range of business and community leaders. The Price and Value Journey is devoted to solo and small firm professional services providers and covers issues such as pricing, value, and business development.

Website | LinkedIn

 

Tagged With: afforable housing, Affordable housing, Georgia Public Policy Foundation, housing affordability, housing policy, housing regulations, Jack Murphy, John Ray, Kyle Wingfield, middle-income housing, Nancy Diamond, North Fulton Improvement Network, North Fulton Voices, workforce housing

From Homelessness to Hope at HomeStretch, with Cheryl Carter and Brittany Phillips

July 31, 2024 by John Ray

North Fulton Business Radio host John Ray with Brittany Phillips and Cheryl Carter, HomeStretch
North Fulton Business Radio
From Homelessness to Hope at HomeStretch, with Cheryl Carter and Brittany Phillips
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North Fulton Business Radio host John Ray with Brittany Phillips and Cheryl Carter, HomeStretch

From Homelessness to Hope at HomeStretch, with Cheryl Carter and Brittany Phillips (North Fulton Business Radio, Episode 791)

In this episode of North Fulton Business Radio, host John Ray  introduces Cheryl Carter, Executive Director of HomeStretch, and Brittany Phillips, a HomeStretch client. Cheryl shares insights about HomeStretch, an organization dedicated to providing long-term housing solutions and support to families experiencing homelessness. Brittany provides a personal account of her journey from homelessness and addiction recovery to professional growth and family stability, highlighting the impact of HomeStretch’s comprehensive support programs. They discuss the critical importance of financial literacy, education, and community support in overcoming homelessness and achieving economic independence. The episode concludes with information on how listeners can support HomeStretch’s mission through donations, volunteering, and engaging with their community initiatives.

John Ray is the host of North Fulton Business Radio. The show is recorded and produced from the North Fulton studio of Business RadioX® inside Renasant Bank in Alpharetta.

HomeStretch

HomeStretch originated in 1991 when volunteers at the local North Fulton Community Charities recognized the pressing need for affordable housing in the North Fulton area. As the number of at-risk families seeking housing assistance increased, the charities found themselves limited to providing only emergency, short-term aid.

Today, the agency oversees and maintains 39 single-family residences. With a team of trained human services professionals dedicated to supporting families and the commitment of over 400 compassionate HomeStretch Heroes (volunteers), it strives to ensure the success of its clients.

Website | LinkedIn | Instagram | Facebook

Cheryl Carter, Executive Director, HomeStretch

Cheryl Carter, Executive Director, HomeStretch
Cheryl Carter, Executive Director, HomeStretch

Cheryl Carter is a results-oriented administrator with over 40 years of executive-level experience in the development, growth and leadership of not-for-profit organizations. Ms. Carter possesses solid capabilities in outcomes-based program development, fundraising, event production, media relations, market research, public/private partnership development, and public speaking. Cheryl’s passion lies in creating programs that empower individuals to overcome poverty.

Cheryl has served on the board of directors of various nonprofit organizations and has received prestigious awards for her community leadership and professional contributions. Before her nonprofit career, she served in the US Army’s 103rd Military Intelligence Division, earning recognition for her service.

Cheryl holds degrees in Business Administration Management and Human Services Management, and she resides in Grayson with her husband Drew, an entertainer. They have three successful adult children and a high school senior.

LinkedIn

Topics Covered in this Episode

Brittany Phillips and Cheryl Carter, HomeStretch
Brittany Phillips and Cheryl Carter, HomeStretch

00:00 Introduction and Welcome to North Fulton Business Radio
01:31 Introducing HomeStretch and Its Mission
02:27 Cheryl’s Journey to HomeStretch
05:07 Understanding Homelessness and Its Root Causes
06:59 Addressing Housing Affordability
10:07 Brittany’s Story of Recovery and Resilience
13:52 The Five Pillars of HomeStretch
22:54 Personal Challenges and Willingness to Change
23:51 The Importance of Savings
25:14 Understanding Executive Functioning
27:30 Brittany’s Journey and Achievements
30:06 Empowering Families and Making Tough Decisions
32:14 Future Goals and Financial Planning
39:11 Supporting HomeStretch and Volunteer Opportunities
42:59 Conclusion and Additional Resources

Renasant Bank and Casa Nuova Italian Restaurant support North Fulton Business Radio

Renasant BankRenasant Bank has humble roots, starting in 1904 as a $100,000 bank in a Lee County, Mississippi, bakery. Since then, Renasant has become one of the Southeast’s strongest financial institutions, with over $13 billion in assets and more than 190 banking, lending, wealth management, and financial services offices in Mississippi, Alabama, Tennessee, Georgia, and Florida. All of Renasant’s success stems from each of their banker’s commitment to investing in their communities as a way of better understanding the people they serve. At Renasant Bank, they understand you because they work and live alongside you every day.

Casa Nuova Italian RestaurantCasa Nuova is a proud family-owned and operated restaurant, serving classic, authentic and traditional Italian cuisine and top tier hospitality since 1998.

Casa Nuova is a cook-to-order kitchen, serving traditional fare including pasta, chicken, seafood, veal, vegetarian and gluten-free options, plus daily specials. They are a farm-to-table establishment, meaning that in the summertime, they cultivate their own vegetables in their garden, steps away from the restaurant, including tomatoes, corn, peppers, zucchini, sunflowers and more!

Celebrating more than 25 years, Casa Nuova has become a true staple in the Alpharetta area, serving more than three generations of families, including friends old and new, visiting near and far from all over the metro Atlanta area and beyond.

Website | LinkedIn | Facebook | Instagram

About North Fulton Business Radio and host John Ray

With over 780 shows and having featured over 1,200 guests, North Fulton Business Radio is the longest-running podcast in the North Fulton area, covering business in our community like no one else. We are the undisputed “Voice of Business” in North Fulton!

The show welcomes a wide variety of business, non-profit, and community leaders to get the word out about the important work they’re doing to serve their market, their community, and their profession. There’s no discrimination based on company size, and there’s never any “pay to play.” North Fulton Business Radio supports and celebrates business by sharing positive business stories that traditional media ignore. Some media leans left. Some media leans right. We lean business.

John Ray, Business RadioX - North Fulton, and Owner, Ray Business Advisors
John Ray, Business RadioX – North Fulton, and Owner, Ray Business Advisors

John Ray is the host of North Fulton Business Radio. The show is recorded and produced from the North Fulton studio of Business RadioX® inside Renasant Bank in Alpharetta. You can find the full archive of shows by following this link. The show is available on all the major podcast apps, including Apple Podcasts, Spotify, Google, Amazon, iHeart Radio, and many others.

The studio address is 275 South Main Street, Alpharetta, GA 30009.

John Ray, The Generosity MindsetJohn Ray also operates his own business advisory practice. John’s services include advising solopreneurs and small professional services firms on their value, their positioning and business development, and their pricing. His clients are professionals who are selling their expertise, such as consultants, coaches, attorneys, CPAs, accountants and bookkeepers, marketing professionals, and other professional services practitioners.

John is the national bestselling author of The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices.

Tagged With: Affordable housing, Brittany Phillips, Cheryl Carter, empowering women, Homelessness, homelessness in North Fulton, HomeStretch, housing affordability, John Ray, Nonprofit, North Fulton Business Radio

Jack Murphy and Nancy Diamond, North Fulton Poverty Task Force

December 5, 2019 by John Ray

North Fulton Poverty Task Force
North Fulton Business Radio
Jack Murphy and Nancy Diamond, North Fulton Poverty Task Force
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Nancy Diamond and Jack Murphy

“North Fulton Business Radio,” Episode 181:  Jack Murphy and Nancy Diamond, North Fulton Poverty Task Force

Jack Murphy and Nancy Diamond of the North Fulton Poverty Task Force discuss the rising problems of financial vulnerability, home affordability, homelessness, and hunger in North Fulton, and how those problems affect the area’s business environment. Hosted by John Ray, “North Fulton Business Radio” is broadcast from the Business RadioX® studio inside Renasant Bank in Alpharetta.

North Fulton Poverty Task Force

The North Fulton Poverty Task Force was formed in 2014 and emerged from an assessment conducted by a team of nonprofits, corporate and other business partners, academics, spiritual leaders and their stakeholders. Independently, and collectively, they recognized a rise in people seeking services. Most notably was an increase temporary housing arrangements following evictions and foreclosures. They realized that our collective capacity couldn’t keep up with demand. They needed to find ways engage the broader North Fulton community in a response strategy.

Hence the work of the North Fulton Poverty Task Force began, and several critical actions emerged from this leadership team. Most notably, the Task Force determined that it was critical to establish a benchmark to identify whether the discoveries in North Fulton were anomalies or are factors underpinning this shift a potential threat to the labor market and familial stability or our community. Efforts included outreach to various national agencies whose work was professionally and scientifically confirmed and could serve as a credible sources to examine the shifts in our dynamics in North Fulton.

The report that follows demonstrates that the anecdotal information first seen by independent agencies and policy makers was in fact reality and widespread. What emerged is a series of drivers that impact the creation of financial vulnerability leading to temporary housing solutions and in some cases, to homelessness. Through an economic lens, this is concerning as these residents are our employees, our neighbors and the children attend schools with ours. While NO direct solutions are advanced, this purposeful approach articulates the data discovered and presents a case for rational consideration.

For more information, go to the website for the North Fulton Poverty Task Force. You can also read and download their 2019 report, Our Invisible Neighbors: Financial Vulnerability in North Fulton, here.

Jack Murphy

Jack Murphy

Jack Murphy is a volunteer with The Society of St. Vincent de Paul and is Chair of the North Fulton Poverty Task Force. He also is in his 17th year of working for the Metro Atlanta Chamber of Commerce.

Prior to the Chamber, Jack worked for and with Fortune 500 companies in operations, human resources, training, and quality areas. Jack was a senior adjunct profession for Quality & Operations Management at Keller Graduate School for 14 years.

He has served on both the National and Georgia Boards of The Society of St. Vincent de Paul, responsible for Diversity, Advocacy, & Systemic Change. Jack currently is national SVDP chair of Systemic Change and Advocacy.

Jack received a BA in psychology from Belmont Abbey College and a MEd. from the UNC-Greensboro.  Jack and his wife Nancy, a retired elementary school principal, have two grown daughters and two grandchildren.  They live in Alpharetta, GA.

Nancy Diamond

Nancy Diamond

Nancy Diamond is a Project Manager with Schmit & Associates, a real estate development firm, creating town center revitalization in communities all around the metro area.

Nancy served 8 years as a Roswell City Council Member, including a term as Mayor Pro Tem, with liaison positions with Community Development, Transportation, Recreation & Parks, and Public Safety.

She has been active in area non-profit organizations, including board leadership positions in the STAR House Foundation, WellStar North Fulton Hospital, Roswell Rotary Club, and the North Fulton Poverty Task Force.

A native of Atlanta, and 38-year North Fulton resident, Nancy worked at Turner Broadcasting in the early years of CNN, then became a freelancer in sports television graphics. While raising her two daughters, she worked from home, first developing a corporate gift service, and later as a mortgage loan originator.

Nancy and her husband, Glenn, now relish the role of grandparents to 4-year old Owen.

North Fulton Business Radio” is broadcast from the North Fulton studio of Business RadioX®, located inside Renasant Bank in Alpharetta. Renasant Bank has humble roots, starting in 1904 as a $100,000 bank in a Lee County, Mississippi, bakery. Since then, Renasant has grown to become one of the Southeast’s strongest financial institutions with approximately $13 billion in assets and more than 190 banking, lending, wealth management and financial services offices in Mississippi, Alabama, Tennessee, Georgia and Florida. All of Renasant’s success stems from each of their banker’s commitment to investing in their communities as a way of better understanding the people they serve. At Renasant Bank, they understand you because they work and live alongside you every day.

Tagged With: housing affordability, Jack Murphy, Nancy Diamond, north fulton business, north fulton business community, North Fulton Poverty Task Force

ATL Developments with Geoff Smith: Frank Norton, Jr., The Norton Agency

November 21, 2019 by John Ray

Frank Norton Jr.
North Fulton Business Radio
ATL Developments with Geoff Smith: Frank Norton, Jr., The Norton Agency
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Frank Norton Jr.
Geoff Smith and Frank Norton, Jr.

ATL Developments with Geoff Smith:  An Interview with Frank Norton, Jr., The Norton Agency

Host Geoff Smith speaks with Frank Norton Jr., Chairman and CEO of The Norton Agency, on the growth dynamics of Metro Atlanta and the North Georgia regions.

Frank Norton, Jr., The Norton Agency

Frank Norton Jr.
Frank Norton, Jr.

Frank Norton, Jr. is the Chairman and CEO of The Norton Agency. In 1986, Frank Norton Jr., joined the Norton Agency to direct the Commercial and Residential Real Estate Divisions of the Agency. His expertise, combined with his energy and creative imagination, has thrust the company forward at a faster pace. He was elected President of the firm by the Board of Directors in 1997 and Chairman in 2004.

The Norton Commercial and Acreage Group provides clients extensive resources and services associated with the purchase or sale of commercial property and large acreage tracts for development. Investment counseling, corporate relocation, in-depth development services, territory market analysis and an unparalleled customer base give clients confidence as they invest in the community.

In the field of commercial real estate, The Norton Agency’s professionalism, service and knowledge are unmatched. Investors and corporations have a wide range of real estate needs. The Norton Agency specializes in site selection for restaurants, industrial parks, retail centers, neighborhoods, resorts, multi-family and single family developments. In addition, The Norton Agency offers brokerage services for industrial sites and buildings and industrial park development.

The Norton Agency’s Commercial and Acreage Division is designed with the brokerage needs of the investor in mind. Eighty-five years of experience and unique resources unite to form the area’s most comprehensive brokerage service.

Since 1986, Frank has collected and interpreted community market research data through Norton Native Intelligence™ , and has developed consulting and strategic planning services for the firm. Norton Native Intelligence™ is a unique and powerful tool employed by Norton to power their client’s purchases, investments and portfolio strategies. This 30 year statistical database is sought out by relocating businesses, investors and developers alike. The material is modeled to strategically position banking, medical, retail, residential and industrial development and to provide a deeper understanding of ever-changing market dynamics.

Clients as diverse as Hall County School System, Valentine Farms, Northeast Georgia Medical Center, United Community Bank, Wendy’s, Walmart and Publix use the ever changing stream of data to secure strategic opportunities and better anticipate future growth directions.

Geoff Smith, Host of “ATL Developments with Geoff Smith”

Geoff Smith, Host of “ATL Developments with Geoff Smith”

“ATL Developments with Geoff Smith” covers all things economic development in the Atlanta Metro area. From everything inside the Beltline to Avalon and beyond, Geoff Smith interviews the movers and shakers making the ATL one of the best places to live, work and play. An archive of past episodes can be found here.

Geoff Smith is a mortgage banker with Assurance Financial working with Real Estate agents and homebuyers to help them get happily to their closing table. Geoff is an authority on the latest economic development trends shaping the Atlanta Metro area. His interviews reveal an inside perspective at how things get done in the ATL.

Geoff is an active member of his community serving on the Board of Directors of the Greater North Fulton Chamber of Commerce, as well as holding the position of chairman for the Chamber’s Education Committee. He is also Secretary of the Roswell Youth Baseball Association and coaches his sons in football, baseball and basketball. Geoff enjoys golf, camping and traveling with his wife and two sons. He is a graduate of the University of Georgia.

“ATL Developments with Geoff Smith” is broadcast from the North Fulton studio of Business RadioX®, located inside Renasant Bank in Alpharetta. Renasant Bank has humble roots, starting in 1904 as a $100,000 bank in a Lee County, Mississippi, bakery. Since then, Renasant has grown to become one of the Southeast’s strongest financial institutions with approximately $12.9 billion in assets and more than 190 banking, lending, wealth management and financial services offices in Mississippi, Alabama, Tennessee, Georgia and Florida. All of Renasant’s success stems from each of their banker’s commitment to investing in their communities as a way of better understanding the people they serve. At Renasant Bank, they understand you because they work and live alongside you every day.

Tagged With: corporate housing, corporate relocation, Forsyth County, Frank Norton, GA 400, Ga. 400 corridor, Gainesville, Geoff Smith, growth in Metro Atlanta, gwinnett county, Hall County, hall county real estate, housing affordability, housing inventory, internet deserts, Metro Atlanta, Metro Atlanta growth, North Georgia, North Georgia real estate, The Norton Agency

ATL Developments with Geoff Smith: Egbert Perry, The Integral Group LLC

September 4, 2019 by John Ray

North Fulton Business Radio
North Fulton Business Radio
ATL Developments with Geoff Smith: Egbert Perry, The Integral Group LLC
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Geoff Smith and Egbert Perry

ATL Developments with Geoff Smith:  An Interview with Egbert Perry, The Integral Group LLC

Host Geoff Smith speaks with Egbert Perry, Chairman and CEO of The Integral Group LLC, on the the distinction between commercial real estate development and community development, the moral imperative of improving housing affordability, the Assembly Yards project, and much more.

Egbert Perry, The Integral Group, LLC

Egbert Perry

Egbert L. J. Perry, a native of Antigua and Barbuda, is the Chairman and Chief Executive Officer of The Integral Group LLC, a company he co-founded in 1993 with a mission to “create value in cities and (re)build the fabric of communities.” Since then, Integral has become a premier provider of sustainable real estate and community solutions in mature and emerging markets across the United States and, more recently, internationally. The Company is vertically integrated with subsidiaries in the community development, commercial real estate, investment management, property management, and program management fields.

A community development, commercial real estate and construction professional since 1979, Egbert has developed and/or built most project types, including residential, office, retail, institutional and mixed-use projects. For 13 years from early 1980 to late 1992, he helped to grow an Atlanta-based real estate and construction company into the nation’s 3rd largest African-American owned business, with annual revenues of about $200 million.

Integral’s mission was first put on display in 1996 when Centennial Place, a collaboration that also involved another firm and the Atlanta Housing Authority, was created. This forward thinking project was the nation’s first urban mixed-use community, integrating mixed-income housing, early childhood development, K-12 education reform, recreation, health & wellness facilities, and human services. This holistic revitalization approach to community development has since been emulated in Atlanta and scores of cities across the country.

Over almost a quarter century, Integral has implemented scores of public-private partnerships that promote “responsible” community development and commercial real estate. It is well-respected for its expertise in affordable, workforce, luxury, and mixed-income housing solutions, often as components of master planned, mixed-use and Transit Oriented Developments (“TOD’s”).

Today, Integral is a diversified, 300-person organization with projects in the mid-Atlantic, Southeast, Southwest and Western regions of the United States. The Company is headquartered in Atlanta, with offices in San Francisco, Los Angeles, Dallas and Denver. Integral and Egbert have received numerous awards, and are regarded nationally as innovators in the field of urban development and revitalization. Egbert’s policy positions are often sought on issues of housing, community economic development, regional planning and development, public-private partnerships and K-12 education reform.

An honors graduate of the University of Pennsylvania, Egbert received both Bachelor of Science and Master of Science degrees in Civil Engineering from the University’s Towne School, and a Master of Business Administration degree with majors in Finance and Accounting from its Wharton School. In 1990, he was elected as the eleventh graduate in the University’s then 250-year history to be named to the “Gallery of Distinguished Engineering Alumni” of the University’s Engineering School.

Past Board assignments include Federal Reserve Bank of Atlanta, Children’s Healthcare of Atlanta, Atlanta International School and United Way of Metropolitan Atlanta.

Geoff Smith, Host of “ATL Developments with Geoff Smith”

Geoff Smith, Host of “ATL Developments with Geoff Smith”

“ATL Developments with Geoff Smith” covers all things economic development in the Atlanta Metro area. From everything inside the Beltline to Avalon and beyond, Geoff Smith interviews the movers and shakers making the ATL one of the best places to live, work and play. An archive of past episodes can be found here.

Geoff Smith is a mortgage banker with Assurance Financial working with Real Estate agents and homebuyers to help them get happily to their closing table. Geoff is an authority on the latest economic development trends shaping the Atlanta Metro area. His interviews reveal an inside perspective at how things get done in the ATL.

Geoff is an active member of his community serving on the Board of Directors of the Greater North Fulton Chamber of Commerce, as well as holding the position of chairman for the Chamber’s Education Committee. He is also Secretary of the Roswell Youth Baseball Association and coaches his sons in football, baseball and basketball. Geoff enjoys golf, camping and traveling with his wife and two sons. He is a graduate of the University of Georgia.

“ATL Developments with Geoff Smith” is broadcast from the North Fulton studio of Business RadioX®, located inside Renasant Bank in Alpharetta. Renasant Bank has humble roots, starting in 1904 as a $100,000 bank in a Lee County, Mississippi, bakery. Since then, Renasant has grown to become one of the Southeast’s strongest financial institutions with approximately $12.9 billion in assets and more than 190 banking, lending, wealth management and financial services offices in Mississippi, Alabama, Tennessee, Georgia and Florida. All of Renasant’s success stems from each of their banker’s commitment to investing in their communities as a way of better understanding the people they serve. At Renasant Bank, they understand you because they work and live alongside you every day.

Tagged With: Doraville, economic development, Egbert Perry, Fannie Mae, Freddie Mac, Geoff Smith, housing affordability, Integral Group, master planned community, master planned development, Metro Atlanta economic development, Metro Atlanta regional planning, millennials, mixed use, mixed use development, regional development, regional planning, The Integral Group, transit oriented developments

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