#11: Fernando Esteves - Why Guam's Housing Crisis is a Policy Crisis

What if the foundation of a thriving community isn’t just roads, jobs, or education—but housing?

In this powerful episode, we sit down with Fernando Esteves, Deputy Director of the Guam Housing and Urban Renewal Authority (GHURA), to confront the crisis hiding in plain sight: Guam’s attainable housing shortage.

With clarity and conviction, Fernando unpacks the hidden social costs of unstable housing—how overcrowding, couch-surfing, and rent insecurity quietly unravel communities through cycles of domestic violence, educational setbacks, and generational poverty. But more importantly, he offers a blueprint forward.

We explore:

• Why middle-income families are falling through the cracks

• The structural barriers that block smarter, denser development

• How out-of-date zoning laws are sabotaging solutions

• What GHURA is doing—and what it can’t do alone

This isn’t just a policy conversation—it’s a wake-up call. A call to build better, together. Whether you’re a developer, policymaker, homeowner, or just someone who believes in Guam’s potential, this episode is for you.

Listen in, get informed, and help lay the foundation for Guam’s future.