Clark L. Ziegler, Executive Director
Clark Ziegler joined the Massachusetts Housing Partnership shortly after it was established in 1985 and became Executive Director when MHP was incorporated as a quasi-public state agency in 1990. Under his leadership, MHP has secured $1.2 billion in long-term lines of credit and $54 million in grants from 21 banking institutions including Bank of America, Sovereign, BNY/Mellon, Citizens Bank and TD Bank. MHP uses these funds to provide long-term financing for affordable housing and neighborhood development. Since its inception MHP has provided financing or technical assistance in more than 315 cities and towns. It has financed more than 19,000 units of affordable rental housing and more than 18,000 affordable homes for low-income first-time buyers.
Between 1976 and 1981 Ziegler was in Washington, DC as an LBJ Intern, Legislative Assistant and then Administrative Assistant (chief of staff) to Massachusetts Congressman Robert Drinan, where he specialized in energy, environmental, budget and tax policy and staffed the House Subcommittee on Environment, Energy and Natural Resources. From 1983 to 1985 he was Deputy Director of Development and Public Affairs at the Massachusetts Bay Transportation Authority.
He serves as a governor's appointee on the board of the Community Economic Development Assistance Corporation (CEDAC), which provides financing and technical assistance to community-based nonprofits across Massachusetts. He serves as a director of the Housing Partnership Fund, a national nonprofit investment and lending affiliate of the Housing Partnership Network that was initially capitalized by the MacArthur and Ford foundations. He also serves as a director and officer of the National Association of Affordable Housing Lenders, which represents leading banks and nonprofit loan funds across the U.S. engaged in community development lending.
He served as chairman and as a 15-year member of the Finance Committee in Ipswich, Massachusetts, where he oversaw local spending on municipal government and public education and made recommendations on zoning and all other matters before Town Meeting. In 2006 he received the Community Service Award from Citizens Housing and Planning Association (CHAPA) and in 2011 the Boston Globe named him one of the Top 10 innovators in Massachusetts.
He has a bachelor's degree from Hampshire College and a master's degree in public policy from the Kennedy School at Harvard University.
Judith S. Jacobson, Deputy Director and General Counsel
Judith Jacobson joined MHP's staff in 1991 and has over 30 years experience in housing and community development. She was instrumental in establishing the terms of bank lines of credit to MHP totaling over $1 billion. She spearheaded the simplification efforts that resulted in the OneSource loan program for construction and permanent loans and the MassDocs combined subordinate loan program used for all state subsidy loans.
Prior to MHP, Jacobson was legal counsel for the Executive Office of Communities and Development (EOCD) with responsibility for the low-income housing tax credit program and was in private practice in Boston with a focus on tenants' rights. Between 1978 and 1982 she worked for two non-profit housing agencies in Worcester, the Worcester Cooperation Council and the Housing Information Center.
Jacobson was named an “Unsung Hero” by the Women's Bar Association in June 2005 and was the 2006 recipient of the New England Women in Real Estate (NEWIRE) Public Service Award. She was a Fannie Mae Fellow at the Senior Executives in State and Local Government Program at the Kennedy School of Government at Harvard University in July 2007. She was a member of the City of Newton Community Preservation Committee and served as its Vice-Chair (2006-2007) and Chair (2007-2008). She was the Co-Chair of the Affordable Housing Committee of the Real Estate Bar Association (REBA) from 2008 to 2011. She is a member of the Newton Housing Partnership. Jacobson received her bachelor's degree from Clark University and her juris doctor degree from the Northeastern University School of Law.
Mark A. Curtiss, Managing Director
Mark Curtiss joined MHP's staff in 1991 and was named Managing Director in 2003. In this role, he is responsible for managing MHP's $1.2 billion loan fund, including oversight of loan underwriting, loan origination, portfolio management, loan workouts, and program development. He is the architect of MHP's rental housing loan programs including permanent financing, tax credit bridge financing, lines of credit, and credit enhancement for tax-exempt bonds, and he is directly responsible for the growth of the loan fund from its inception to over 19,000 units financed with no loan losses in the history of the portfolio.
Curtiss previously worked at Harvard's Joint Center for Housing Studies, where he researched national housing trends for the "State of the Nation's Housing" report and analyzed innovative mortgage products for Nobel laureate Franco Modigliani and Denise DiPasquale. Prior to that, he worked on the Secretary's staff at the state's Executive Office of Communities and Development. Curtiss was recognized by the Boston Business Journal in 2002 as one of the 40 outstanding professionals in Massachusetts under the age of 40. He received his master's degree in public policy from Harvard's Kennedy School and his bachelor's degree from the Massachusetts Institute of Technology.
David P. Rockwell, Director of Lending
David Rockwell has more than 30 years of community development and lending experience and joined MHP's staff in 1996. He was named director of lending in 2003 after previously serving as assistant director of lending. Prior to MHP, he had been a Vice President for Commercial Real Estate at Fleet Bank and before that at Shawmut Bank, where he had been recruited in 1991 to establish the bank's Real Estate Community Investment Unit.
He previously served as Development Director for the Dudley Street Neighborhood Initiative in Roxbury and began his banking and lending career at the former Bank of New England, where he had eight years' experience in real estate lending. He was recently appointed to the Housing Advisory Board and Housing Opportunities Task Force for the Town of Brookline and also serves on the Boston Advisory Board of the Local Initiatives Support Corporation. He is a Yale graduate and earned a master's degree in city and regional planning at Harvard University.
Richard A. Mason, Deputy Director of Lending
Richard A. Mason was named Deputy Director of Lending in 2007. He joined MHP in 2003 and was promoted to Senior Loan Officer in 2005. Mason has extensive experience in banking, small business and affordable housing development. Prior to MHP, he was at The Quincy 2000 Corporation, where he served as economic development specialist responsible for small business lending and providing technical assistance and training to Quincy businesses.
From 1996 to 2000, he was senior project manager and enterprise development manager at Urban Edge Housing Corporation, where he managed small business loan and equity funds, and served as project manager of commercial real estate and affordable housing developments. Prior to that, he held various upper management positions at banks and companies specializing in single and multi family mortgage products. He has a bachelor's degree in business administration from Clarkson University and a master's in urban affairs from Boston University.
David Hanifin, Senior Loan Officer
David Hanifin has been a senior loan officer at MHP since 2012. He specializes in providing permanent financing for the development and preservation of affordable and mixed income rental housing. Prior to joining MHP, he served as a development officer with Rhode Island Housing (RIH), which is Rhode Island’s housing finance agency as well as its allocating agency for low income housing tax credits. He worked as a construction and permanent lender at RIH for eight years, specializing in the debt financing of tax credit projects.
Prior to his work in RI, Hanifin lived and worked in the Boston area for 18 years, working most recently as a senior project manager for the Boston Redevelopment Authority. He is also an attorney who worked as assistant corporation counsel for the Boston Public Schools and as senior staff counsel at the Massachusetts State Ethics Commission before he became involved in planning and affordable housing finance.
David has a law degree from Boston University and a bachelor’s degree in industrial economics from Union College. He has also been very involved as a board member and volunteer in a number of non-profit organizations in Rhode Island and Massachusetts. He currently serves as a member of the Urban Land Institute’s Housing and Economic Development District Council.
Megan Mulcahy, Senior Loan Officer
Megan Mulcahy joined MHP's Lending Team in June of 2000, and is responsible for the origination, underwriting and closing of multi-family affordable housing loans across the Commonwealth. She has extensive experience with both non-profit community based housing developers, as well as large for-profit national housing developers. She has experience working with various projects and housing types including 40B permitted housing, taxable debt, tax-exempt bond financing, Low Income Housing Tax Credit supported projects, working capital credit lines, and mixed-use developments.
Mulcahy is also responsible for the day to day coordination of MHP's Home Funders loan program with the Home Funders Collaborative. She came to MHP after graduate studies at the LBJ School of Public Affairs at the University of Texas at Austin. Prior to that, she was the project manager for Buchanan & Associates, an environmental and land use law firm located in Boston. She earned her undergraduate degree at Mount Holyoke College in South Hadley, Massachusetts, and is a member of New England Women in Real Estate (NEWIRE) where she participates in the Housing & Community Development working group.
Amanda Roe, Senior Loan Officer
Amanda Roe came to MHP in 2005 and is responsible for marketing MHP's lending programs to prospective borrowers, and underwriting and closing permanent affordable housing loans throughout Massachusetts. Prior to joining MHP she worked for 15 years at the City of Boston's Department of Neighborhood Development on a range of affordable housing programs including homeowner and rental rehabilitation initiatives, supportive service housing development and contract management, neighborhood planning for city-owned vacant land, and financial analysis and project management of approximately 1,000 units of rental and homeownership units developed across the neighborhoods of Boston.
She also managed several important grant programs such as the Housing Counseling Program, Tenants At Risk Program, and the HOME Community Housing Development Organization (CHDO) Program. Prior to that, she worked at the Bromley Heath Public Housing Development conducting a land use survey, and writing and administering grants. She has a Bachelor of Arts Degree from McDaniel College, and earned her Master's Degree in Urban and Environmental Policy from Tufts University in 1989.
Nancy A. McCafferty, Senior Loan Officer
Nancy A. McCafferty is responsible for originating, underwriting and closing multi-family loans for affordable housing throughout Massachusetts. She has extensive experience managing multi-family properties that participate in Section 42 tax credit program. Prior to joining MHP, she was a senior associate at Michel Associates of Boston where she was responsible for underwriting and closing the purchase of limited partner interests in partnerships owning multi-family properties in the Section 42 program. From 1997 to 1999, she was an asset manager at Boston Capital, where she managed a portfolio of 180 affordable residential properties along the east coast that participated in the Section 42 program.
Prior to that, she was a commercial property manager for Trammel Crow Company, and also held property management and development positions at Spaulding & Slye. She has a bachelor's degree in business finance with a minor in economics from UMass-Lowell and received her certification as a real property administrator from Bentley College. She is on the membership committee for New England Women in Real Estate (NEWIRE) and is a board member of the Women's Institute for Housing and Economic Development.
Geoffrey MacAdie, Director of Portfolio Management
Geoff MacAdie has more than 25 years of experience in real estate and affordable housing. He joined MHP's staff in 1998 and was named Director of Portfolio Management in 2004. He had previously managed a large affordable housing portfolio in Maine for the Insignia Residential Group and worked as an asset manager for residential properties at Fleet/Recoll. He has also managed his own real estate management consulting firm. He has an MS in Urban Affairs/City Planning from Boston University and a bachelor's degree in urban affairs from the University of Connecticut.
Cynthia Mohammed, Senior Portfolio Manager
Cynthia Mohammed joined MHP's staff in 1998. She had previously been an associate in the audit group at Pricewaterhouse Coopers LLP, where she worked for a variety of public, private and nonprofit clients. Cynthia earned a bachelor's degree in public policy at Brown University and has also done graduate work in accounting at USC.
Peter Fraser, Senior Portfolio Manager
Peter Fraser's career has traversed the private, public and non-profit sectors. He has over 15 years of finance and asset management experience in real estate debt and equity investments in addition to public policy/finance experience gained from working in state government. He joined MHP's Portfolio Management Group in 2004 and as a Senior Portfolio Manager is responsible for managing a portfolio of multi-family/mixed use permanent and participating loans.
Fraser has extensive experience underwriting and managing commercial real sate loan portfolios as a real estate lender in the Boston and Washington, D.C. markets. He has served as an asset manager with MetLife Real Estate Investments and KB Realty Advisors, a CA based pension fund advisor where he managed a diversified 3.6 million sf office, retail and multi-family portfolio. Peter is involved in the Greater Boston Real Estate Finance Association and an active participant in Habitat for Humanity. He received his bachelor's degree from Syracuse University and a master's degree from the Kennedy School of Government at Harvard University.
COMMUNITY HOUSING INITIATIVES
Susan Connelly, Director of Community Housing Initiatives
Susan Connelly joined the Massachusetts Housing Partnership in 2004 after 17 years in real estate development and management. As the Director of Community Housing Initiatives, she is responsible for overseeing MHP's support of municipalities, community-based non-profits, and public housing authorities in their efforts to build and maintain affordable housing.
Her responsibilities include managing MHP's Targeted Community Initiative Program, which provides support and technical assistance to communities trying to build affordable housing, working collaboratively with other stakeholders on state level housing policies, and providing trainings and workshops that address current issues in the affordable housing field.
Before coming to MHP, Connelly was development project manager for Keen Development Corporation, Cambridge, MA. Prior to that, she worked for 14 years at Corcoran Jennison Companies, a national real estate development and management company. At both companies, her development work focused on affordable housing.
Connelly is a graduate of the University of Vermont. She serves on the Cambridge Housing Authority Board of Commissioners.
Rita Farrell, Senior Advisor
Rita Farrell joined the MHP staff in 1987 as regional director for western Massachusetts. In 1990, she assumed responsibility for all of MHP's community activity and project management, a position she held until 2007, when she was named Senior Advisor. She has over 30 years experience in housing development and public administration.
She has remained active in town government. She is a former member of the Shutesbury Finance Committee and is currently president of the nonprofit Shutesbury Education Foundation. She was previously an elected member of the School Committee. She received her bachelor's degree from the University of New Hampshire and a master's degree in public administration from the University of Massachusetts.
Kelly Maloy, Director of Homeownership
Kelly Maloy is MHP's Director of Homeownership. She is responsible for developing and implementing policies, practices and systems to allow MHP to better serve low- and moderate- income first-time homebuyers. She oversees all aspects of MHP's ONE Mortgage Program, formerly the SoftSecond Loan Program. ONE Mortgage is an innovative first-time homebuyer program, operating in partnership with private banking institutions, nonprofit community organizations and local municipalities. Since 1990, the program has made it possible for over 17,000 families to become successful homeowners in Massachusetts and has infused $2.9 billion of private sector capital into Massachusetts neighborhoods.
She joined MHP in 2006. Prior to taking her current role, she was the Program Manager of the homeownership department where she was responsible for the recruitment, training and administration of partner lenders, the oversight of the homeownership team and the development of operational and technical systems. She serves on the Selection Committee of the Massachusetts Homeownership Collaborative and is a former board member of the Women's Institute of Housing and Economic Development. She earned a bachelor's degree in History and American Studies from Brown University and master's degree in public policy from Tufts University's Department of Urban and Environmental Policy and Planning.
Thais DeMarco, Program Manager
Thais DeMarco joined MHP in 2014. As program manager, she facilitates stakeholder relationships to foster support for ONE Mortgage and expand the impact of the program. Fully trilingual in English, Portuguese and Spanish, Thais coordinates marketing efforts to reach lenders, community partners, nonprofit agencies, and prospective borrowers statewide, thereby promoting affordable homeownership opportunities for low- and moderate-income first-time homebuyers in the Commonwealth. She serves on the selection committee of the Massachusetts Homeownership Collaborative and is a former board member of the Massachusetts Community and Banking Council.
Before joining MHP, Thais served as director of asset building at the Somerville Community Corporation, where she developed and implemented several asset building programs over her eight-year tenure at the organization. Prior to taking that role, she managed the Employee Association at the U.S. Embassy in Brasilia, Brazil, where she oversaw the day-to-day operations of a commissary and designed and led a growth and sustainability strategy to ensure future stability for the association.
Charleen R. Tyson, Chief Financial and Administrative Officer
Charleen Tyson brings a wealth of experience to MHP as a finance executive in both the non-profit and public sectors. Prior to joining MHP, she served for three years as executive vice president and CFO for MassDevelopment. In this role, she managed finance and accounting, human resources, administration and technology for this quasi-public economic development agency with $600 million in total assets.
Before MassDevelopment, she had been director of finance at the New England Aquarium, controller at the Massachusetts Society for the Prevention of Cruelty to Animals/Angell Memorial Hospital, and held various positions with the Massachusetts Teachers Association.
In her spare time, Tyson serves as treasurer of the Elizabeth Stone House in Jamaica Plain, which provides shelter and transitional housing for battered women. She also serves on the South Shore Charter School Board of Trustees, and on the finance committee for the Town of Hull. She received her MBA from Simmons College School of Management and did her undergraduate work in business management and science at Bridgewater State.
Karen English, Director of Financial Operations
Karen English joined MHP as Controller in August 2005 and is responsible for managing financial operations, processes and internal controls. She brings 15 years of accounting and operations management experience. Prior to coming to MHP, Karen served as interim CFO and as an Accounting Manager for two non-profit organizations. As a consultant, she developed systems which provided the management tools necessary to provide detailed financial reporting on a $200 million office/residential/retail project.
Her experience also includes forensic accounting, start-up infrastructure development, and creating financial models used in acquisition analyses and budgeting. She earned her Bachelor of Business Administration at University of Massachusetts, Amherst and her CPA while at KPMG Peat Marwick.
Ruston F. Lodi, Director of Public Affairs
Ruston Lodi joined MHP in 2001. He is responsible for producing and delivering housing information and resource materials to local officials, for-profit and non-profit developers, lending partners, the general public and the media.
Prior to joining MHP, he worked for Community Newspaper Company as editor-in-chief of four daily and 22 weekly newspapers that he helped integrate into single news operation under the flagship MetroWest Daily News. After graduating from Colby College he began his career in 1979 as a news reporter at the MetroWest Daily News (then the Middlesex News). In 22 years at the paper, he worked as a news writer, sports writer, sports editor, news editor, managing editor and editor-in-chief.