Resources for tenants who are concerned about paying rent or facing eviction. En Español & Português. MORE

First-time buyer? Check out ONE Mortgage

Media inquiry or public records request: Contact Director of Public Affairs Rus Lodi at or 857-317-8523.

Homeownershp: If you're calling about ONE Mortgage, the SoftSecond Program or a subsidy mortgage payoff, email or go to the homeownership staff directory.

The executive/legal team oversees all aspects of MHP.

Clark Ziegler, Executive Director

Clark Ziegler

Executive Director

Email | 857-317-8585

Clark Ziegler is Executive Director of the Massachusetts Housing Partnership, a quasi-public state agency that finances affordable rental housing, provides mortgage financing for first-time home buyers, provides technical assistance for housing and neighborhood development, and is a major contributor to state housing policy. He has been with MHP since its inception in 1985 and has been chief executive since 1990. During his tenure MHP has delivered financing or technical assistance in nearly every city and town in the Commonwealth, including financing for more than 26,000 units of affordable rental housing and more than 22,000 affordable homes for low-income first-time buyers. In total MHP has delivered $5.1 billion in below-market financing either directly or through participating banks.

Between 1976 and 1981, Mr. 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.

Mr. Ziegler serves as a governor's appointee on the board of the Community Economic Development Assistance Corporation, which provides financing and technical assistance to community-based nonprofits across Massachusetts. He chairs the board of the Housing Partnership Fund, a federally-certified community development financial institution and a lending affiliate of the Housing Partnership Network, an organization that brings together the nation's leading housing and community development nonprofits. For 11 years, he served on the board and was director of the National Association of Affordable Housing Lenders before stepping down in 2020. He is currently director of Housing Navigator Massachusetts, a nonprofit that was established in 2019 to provide searchable web listings and a common online application for all subsidized housing units in the Commonwealth.

As an Ipswich resident Mr. Ziegler served as chairman and as a 15-year member of the town’s Finance Committee, overseeing local spending on municipal government and public education and making recommendations on zoning and all other matters before town meeting. In 2006 he received the Community Service Award from Citizens Housing and Planning Association 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.

Danielle Kinkel, General Counsel

Danielle Kinkel

General Counsel

Email | 857-317-8530

Danielle Kinkel is MHP's general counsel and a member of MHP's executive team. She is responsible for guiding MHP's legal affairs in all internal and external matters as well as participating in strategic planning and goal-setting for MHP, a self-supporting, non-profit quasi-public agency that creates and preserves affordable housing.

Prior to MHP, Danielle was a real estate attorney at Nolan Sheehan Patten (NSP) in Boston from 2009 to 2018. She began as associate and was named partner in 2016.

At NSP, Danielle was responsible for managing and supervising legal teams through the structuring and closing of complex affordable housing finance transactions. She also advised governmental, quasi-governmental, non-profit and institutional lenders on a variety of housing and real estate development subjects, including zoning and permitting matters, housing subsidy statutes and regulations, tax credit structures and compliance, leasing and condominium regimes, real estate conveyancing issues, corporate entity formation and 501 (c)(3) applications.

She is past co-chair of the Housing and Community Development Committee of Commercial Real Estate Women of Boston (CREW Boston) and is an active member of the Affordable Housing Committee of the Boston Bar Association, the Massachusetts Real Estate Bar Association, the Young Professionals Group of Citizens’ Housing and Planning Association (CHAPA), and the American Bar Association’s Forum on Affordable Housing and Community Development.

Her community service activities include pro bono representation of 3L Place, Inc., a nonprofit dedicated to providing lifelong educational opportunities and ongoing support for adults with autism. She also provides ongoing pro bono representation of clients through Lawyers Clearinghouse and has provided pro bono legal representation to victims of Hurricane Katrina on matters such as clearing title to “heirs’ property” and filing grant applications for funding to rehabilitate and reconstruct damaged homes

She has a bachelor of arts degree in history and philosophy from the University of Michigan, a master's degree in education policy from Boston College and a law degree from Northeastern University.

Vanessa Okonkwo, Counsel

Vanessa Okonkwo


Email | 857-317-8534

Vanessa Okonkwo joined MHP as a paralegal and loan closing coordinator and was promoted to counsel in 2018. She is responsible for assisting MHP's general counsel in in the guidance of all MHP legal affairs.

Prior to MHP, she worked as a credit officer at Diamond Bank and as an attorney the law firm of Paul Usoro & Company. She has law degrees from Abia State University and Nigerian Law School and a masters of laws from Suffolk University.

She is involved in several organizations, including the American Bar Association's Forum on Affordable Housing and Community Development Law, Boston Bar Association, CREW Boston, Institute of Chartered Secretaries & Administrators, U.K (ICSA). She also volunteers at her local church.

First and foremost, she has a passion for affordable housing. "As someone originally from a third world country, eradication of poverty and homelessness is a cause dear to my heart," she says. "This is why I am very committed to helping MHP achieve its goal of increasing affordable housing in Massachusetts."

Dolly Abberton, Loan Closing Specialist

Dolly Abberton

Loan Closing Specialist

Email | 857-317-8535

Dolly Abberton rejoined MHP in 2020. She has over 20 years over paralegal experience. She worked at MHP from 2005 to 2014 and had ensuing stints at Hinckley Allen & Snyder LLP (2014-17) and MassHousing (2017-2020).

She has a bachelor's degree in business administration from Northeastern and master's degree in education from University of Massachusetts Boston.

Mahtowin Munro, Executive Assistant

Mahtowin Munro

Executive Assistant

Email | 857-317-8527

Since 2019, Mahtowin Munro has provided administrative support to the legal and executive teams.. Prior to MHP, Munro worked in law firms as a legal assistant/paralegal and as a nonprofit executive assistant.

Ruston Lodi, Director of Public Affairs

Ruston Lodi

Director of Public Affairs

Email | 857-317-8523

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.

A native of Franklin, Ma. and graduate of Colby College, he began his newspaper career at the Milford Daily News, working days in its press room and nights as a part-time news correspondent.

He joined the MetroWest Daily News (then the Middlesex News) as a news reporter in 1979. In 22 years at the paper, he worked as a news writer, sports writer, sports editor, news editor, managing editor and editor-in-chief.

Policy & Research

The policy and research team - which comprises MHP's Center for Housing Data - works with the executive director to inform all aspects of MHP's work, as well as working with the Governor, Legislature and statewide partners to promote effective affordable housing policies.

Calandra Clark, Director of Policy

Calandra Clark

Director of Policy

Email | 857-317-8524

Calandra (Callie) Clark joined MHP’s public affairs staff in 2008 and worked in policy analysis, research, messaging and communication strategy. In early 2017 she became Co-Director of MHP’s newly created Center for Housing Data and in 2019 became the Director of Policy.

Callie has extensive experience in policy analysis and web strategy and in crafting presentations for legislators, local public officials and other public audiences. She has a bachelor’s degree in international development from Clark University and a master’s degree in urban and regional policy from Northeastern University.

Tom Hopper, Director of Research & Analytics

Tom Hopper

Director of Research & Analytics

Email | 857-317-8561

Tom Hopper joined MHP in 2006 and worked in risk management, operations and analytical development over the next decade. In early 2017 he became Co-Director of MHP’s newly created Center for Housing Data and in 2019 became Director of Research & Analytics.

Tom has developed database systems, designed metrics, and created data tools and analytical reports that provide insight into project financial performance, credit quality, and risk management. He has led public policy research efforts on topics such as transit-oriented development, housing production, land use, gentrification and housing costs. Tom has a bachelor’s degree in economics, a master’s degree in city planning from Boston University, and a master’s degree in urban informatics from Northeastern University.

Lucas Munson, Data & Communications Analyst

Lucas Munson

Data & Communications Analyst

Email | 857-317-8528

Lucus Munson joined MHP in 2018. He is responsible for providing data management, data analysis, data visualization and mapping to MHP's Center for Housing Data. He also contributes content and monitors analytics for MHP's web sites and social channels.

Immediately upon joining MHP, he was instrumental in completing DataTown, a new interactive website, which compiles community-level information and provides data visualizations for all 351 Massachusetts cities and towns. In 2019, he was integral in the creation and launch of Transit-Oriented Development Explorer (TODEX), a web site that uses a new methodology and multiple data sets to create a user-friendly map tool that shows housing densities at all 261 metro Boston rail stations.

Prior to MHP, Munson was a research fellow and journalist for the Texas-based H.E. Butt Family Foundation. He did research for a team of journalists writing about inequality in the San Antonio area. He also wrote stories and designed a newsletter strategy to increase readership and the impact of the stories his team created. Before that, he was an intern for Data Driven Detroit. Lucas is a graduate of Cornell with a bachelor's degree in urban and regional studies.

Community Assistance

This team supports communities, local housing authorities, and nonprofit organizations in their efforts to create affordable housing for low- and moderate-income families.

Laura Shufelt, Acting Director of Community Assistance

Laura Shufelt

Acting Director of Community Assistance

Email | 857-317-8582

Laura Shufelt joined in MHP in 2011 as a community assistance manager. She was promoted to assistant director of MHP's community assistance team in 2017 and was named acting director in April, 2019. She is one of the most experienced housing professionals in Massachusetts, knowledgeable on a wide range of issues and practices, including proper and effective use of public funds and land, housing lotteries, fair housing, housing authority development and the state comprehensive land use permit law (Ch. 40B).

Specifically, Shufelt's responsibilities include providing pre-development, development, and strategic planning technical assistance to municipalities, housing authorities and other appropriate organizations; building relationships and providing training on affordable housing to town officials, volunteer boards, non-profits, and housing professionals; managing MHP's 40B technical assistance program; and representing MHP and its policy agenda on relevant state and regional affordable housing committees.

A native and resident of Cape Cod, Shufelt is a graduate of the University of Rhode Island with a bachelor's degree in elementary education. She began her career as a science teacher. Her path toward affordable housing began when she became a commercial lender and then in affordable housing finance for a consortium of banks. This led to a career as an affordable housing development consultant for housing authorities, towns, and for–and non-profit organizations. "My experience in finance, strategic planning and housing development prepared me for the work I do at MHP," Shufelt said.

Katharine Lacy, Senior Planner

Katharine Lacy

Senior Planner

Email | 857-317-8514

Senior Planner Katy Lacy has worked at MHP since April 2017. She works closely with municipal officials and local housing advocates seeking to support the development of affordable housing in their community through local initiatives, regulatory and policy changes. She also works closely with the Lending Team to fulfill MHP’s role as a Ch. 40B subsidizing agency, reviewing project applications for eligibility and final approval to ensure compliance with Ch. 40B comprehensive land use permit regulations.

Lacy has extensive knowledge of Massachusetts land use regulations and housing policy. She has been qualified as a member of the American Institute of Certified Planners (AICP) since 2002, and she serves on the Board of the Massachusetts Chapter of the American Institute of Planners and the Citizen Planner Training Collaborative (CPTC).

Prior to coming to MHP Katy worked in the 40B department at MassHousing, and, served as community planning director for the Town of Hingham. She has an undergraduate degree from Harvard College, and a Masters degree from the University of Virginia School of Architecture, where she studied landscape architecture and planning. She is a board member and trustee of the Boston-based Clippership Foundation, where she serves on the housing and homelessness committee. She is an active volunteer at the Wellspring Multi-Service Center in Hull.

Shelly Goehring, Senior Program Manager

Shelly Goehring

Senior Program Manager

Email | 857-317-8525

Shelly Goehring joined MHP in 2016 as program manager and was promoted to senior program manager in 2019. She is responsible for working with communities and nonprofits to support affordable housing initiatives and development.

She does this primarily by helping communities establish and operate municipal affordable housing trusts. She is one of the state's foremost experts in how to set up and use housing trusts, and how to use Community Preservation Act (CPA) funds for affordable housing, either directly or through a housing trust. She conducts local and regional trainings throughout the year and regularly appears at local meetings to explain how trusts and CPA funds can help communities address their housing needs.

Prior to MHP, she worked at the Massachusetts Affordable Housing Alliance as a program manager working with communities inside Route 495 on how to use CPA funds for affordable housing. Before that, she was the founder and executive director of Four Corners Main Street, a Dorchester-based nonprofit focused on commercial revitalization and business development.

She has bachelor's degrees in political science and sociology from the University of California Davis, a master's in urban and economic development from Eastern University and a master's in business administration from Babson. A California native, she said she first became interested in affordable housing through the personal experience of moving to Boston and experiencing sticker shock at how much housing cost and the effort involved in finding a stable, affordable place to live.

Katie Bosse, Program Coordinator

Katie Bosse

Program Coordinator

Email | 857-317-8517

As program coordinator, Katie Bosse touches all aspects of MHP's community assistance activities. She works with senior team members on managing grant programs, supports the team's pre-development and technical assistance activities (including Ch. 40B) and is the chief organizer for MHP's many workshops, including MHP's Housing Institute, a two-day intensive workshop that attracts over 100 local housing officials and volunteers. She also manages MHP's Housing Toolbox web site, which provides a variety of local resource materials to help communities increase affordable housing.

Bosse began her career in 2018 as a program assistant and was promoted to her current role a year later. She has a bachelor's degree in geography with a concentration in urban development and social change from Clark University and received her master's degree in community development and planning from Clark in 2018. She is a member of the Citizens' Housing and Planning Association's Young Professional's Network.

Rental Financing

This team uses lines of credit from banks and other sources to make long-term, fixed-rate loans for affordable rental housing. Since 1990, MHP has provided over $1.4 billion in loans and commitments for the financing of more than 27,000 units of rental housing.

Mark Curtiss, Managing Director

Mark Curtiss

Managing Director

Email | 857-317-8570

Mark Curtiss is managing director of the Massachusetts Housing Partnership, a public non-profit agency that finances affordable rental housing, provides mortgage financing for first-time homebuyers through dozens of Massachusetts banks, offers technical assistance for housing and neighborhood development, and is deeply involved in state housing policy. He joined MHP in 1991 and was named managing director in 2003.

In this role, Mr. Curtiss is responsible for managing MHP’s $1.5 billion multifamily loan fund, including oversight of program development, loan underwriting, loan origination, portfolio management, and capital sources, which include Massachusetts banks, Fannie Mae, and FHA MAP and risk-sharing products. Mr. Curtiss is the architect of MHP’s rental housing loan programs including permanent financing, green and healthy 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 26,000 units financed with no loan losses in the history of the portfolio. He also serves as a director 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.

Before starting at MHP, Mr. Curtiss 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 staff for Secretary Amy Anthony at the Massachusetts Executive Office of Communities and Development. He received his master's degree in public policy from Harvard’s Kennedy School and his bachelor of science degree from the Massachusetts Institute of Technology.

Megan Mulcahy, Director of Lending & Chief Credit Officer

Megan Mulcahy

Director of Lending & Chief Credit Officer

Email | 857-317-8557

Megan Mulcahy joined MHP's lending team in June of 2000. She was named chief credit officer in 2015 and was promoted to director of lending and chief credit officer in 2020. She is responsible for ensuring the credit quality of all MHP loans, managing MHP's capital sources, and maintaining MHP's loan policies and procedures.

She has extensive experience working with non-profit community based housing developers and large for-profit national housing developers. She has worked with various projects and housing types including 40B-permitted housing, taxable debt, tax-exempt bond financing, Low Income Housing Tax Credits, working capital credit lines, mixed-use developments and sustainable housing. She is experienced at underwriting affordable developments with all MHP's capital sources - bank funds, FHA, and Fannie Mae.

Mulcahy 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 in politics at Mount Holyoke College in South Hadley, Massachusetts, and is a member of Commercial Real Estate Women of Boston (CREW Boston), where she participates in the working group for housing and community development.

Nancy McCafferty, Director of Business Development

Nancy McCafferty

Director of Business Development

Email | 857-317-8556

Nancy McCafferty joined MHP in 2003 as a loan officer, was promoted to senior loan officer in 2008 and senior relationship manager in 2015. She has significant experience underwriting and closing permanent financing utilizing taxable debt, tax-exempt bonds, working capital credit lines within MHP’s lending programs and capital sources; including, private bank funds, Fannie Mae, FHA MAP and Risk Share. Among these transactions were some of MHP’s largest and most complicated loans in the organization’s history.

In 2020, McCafferty was named director of business development, to provide strategic oversight of new multifamily financing opportunities that meet client business objectives and to deliver thought leadership for marketing MHP’s lending programs.

In 2018, McCafferty was recognized by BisNow, as one of forty Boston Power Women in Commercial Real Estate who made have had an impact in their career, the industry, and have empowered women along the way. In 2015, she was named as one of fifteen Woman of FIRE by Banker & Tradesman, which annually recognizes women who have had success in the field of finance and have demonstrated a commitment to professional and personal growth.

Prior to joining MHP, she specialized in the underwriting, acquisition and management of affordable multifamily properties financed with federal and state low-income housing tax credits. Her career began in the late 1980’s in commercial real estate where she held both property management and development positions at Trammell Crow Company, Spaulding & Slye Colliers (now Jones Lang LaSalle) and Winthrop Financial Company.

She started her career in finance at age 12 when, as paper girl for the Lowell Sun and Boston Sunday Globe, she provided interest free loans to customers that were behind on weekly subscription payments.

McCafferty earned a bachelor's degree in business finance at UMass-Lowell and received certification as a real property administrator at Bentley College. She currently serves on the boards of Fidelity House Career Resource Center and Local Initiative Support Corporation Boston. In the past, she has served on the board of the Women’s Institute for Housing and Economic Development as Treasurer well as CREW Boston (previously known as New England Women in Real Estate) which recognized her with an Esprit de Coeur award in 2010 and networking awards in 2011 and 2017. She has also chaired several committees within each organization.

Anne Lewis, Director of Capital and Program Development

Anne Lewis

Director of Capital and Program Development

Email | 857-317-8554

Anne Lewis directs the development of new programs and capital sources and as well as support for the underwriting work of the lenders. Formerly a senior lending analyst, she developed and refined many of MHP’s financing models and data tools, as well as analyses of MHP’s lending activities and polices related to affordable housing finance, and provides support in the implementation of MHP’s strategic plan and capital sources.

She holds a master’s degree in urban and regional planning from the University of Michigan and a bachelor’s degree in physics and political science from Williams College. Locally, she is a member of Housing Medford. Right after graduating from Williams, she was a college rowing coach at Bates and competed as an amateur speed skater.

Alma Balonon-Rosen, Senior Relationship Manager

Alma Balonon-Rosen

Senior Relationship Manager

Email | 585 764 6963

Alma Balonon-Rosen is responsible for helping to direct MHP's marketing and origination of new loan business. Previously, she worked for 20 years in a variety of senior roles at Enterprise Community Partners, a national affordable housing and community development non-profit. Her final role at Enterprise before joining MHP was director of relationship management for health and housing.

Balonon-Rosen began her career at Fleet Bank and worked at MHP as a senior loan officer from 1993 to 1998 before moving to Rochester, New York with her husband Mitch, who began a new job at the Rochester Institute of Technology. She rejoined Fleet Bank before moving to Enterprise.

She has a strong background in relationship management, business development, underwriting, and financial products and programs. She sits on PNC Bank’s New Market Tax Credit Advisory Committee and is a member of CREW Boston. She is a graduate of Tufts University and has a master’s degree from the Johnson School of Management at Cornell University.

Amanda Roe, Senior Loan Officer

Amanda Roe

Senior Loan Officer

Email | 857-317-8559

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.

David Hanifin, Senior Loan Officer

David Hanifin

Senior Loan Officer

Email | 857-317-8552

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.

Alice Wong, Senior Loan Officer

Alice Wong

Senior Loan Officer

Email | 857-317-8575

Alice Wong re-joined MHP's Lending Team in February 2016 and is responsible for the origination, underwriting, and closing of multi-family affordable housing loans. In her earlier position at MHP, she was Deputy Director of Lending as well as Senior Project Manager, Community Housing Initiatives.

Wong has more than 25 years of experience in affordable housing and development in Massachusetts and New York. Prior to joining MHP, she worked for Urban Edge Housing Corporation, a Boston community development corporation, closing their first New Market deal combined with Low Income Housing tax credits and public and private debt, as well as helping oversee a portfolio of over 1,300 units. For the Department of Housing and Community Development (DHCD, she was the project manager of the roll-out of HomeBASE, a program to serve formerly homeless and at-risk families. Alice earned a BA in Sociology at Yale and a Master’s in Public Policy at the Harvard Kennedy School.

Steve Gandt, Loan Officer

Steve Gandt

Loan Officer

Email | 857-317-8551

Steve Gandt joined MHP in 2018. Prior to MHP, he was a vice president at Berkeley Point Capital, one of the largest multifamily lenders in the US, where he managed a $10 billion real estate loan portfolio with Fannie Mae, Freddie Mac, and FHA financing. Over his 20 years at Berkeley Point (and its predecessors Deutsche Bank Mortgage and Berkshire Mortgage), he was involved in the management of a complex $500 million Fannie Mae credit facility, helped manage the growth of the asset management business from $5 billion to $58 billion, and was involved in the underwriting of multifamily loans.

Before Berkeley, he worked at Winthrop Financial Associates as a real estate financial analyst and at State Street Corporation as an information analyst and fund accountant. He has a master’s in economics from Boston College and a bachelor’s degree in economics from Holy Cross. He joined MHP because "I wanted to work with an organization whose primary mission is to assist in providing affordable housing for families and individuals."

Shawna O'Neil, Lending Analyst

Shawna O'Neil

Lending Analyst

Email | 857-317-8543

Shawna O'Neil joined MHP in 2018 as a lending assistant and was promoted to lending analyst in 2019. She is responsible for processing loan applications for MHP's multifamily rental financing products and providing underwriting and loan closing support. She also tracks team goals, ensures data integrity and performs portfolio-wide analyses on MHP's 275 permanent loans to help the lending team understand trends and inform its lending decisions.

She has a bachelor's degree in political science and history from the University of New Hampshire and a master's in public policy from Northeastern, where she graduated with a 4.0 grade-point average. At UNH, she received the Allen Linden Prize for best senior history thesis. In 2018, Commercial Real Estate Women of Boston honored her with one of its three annual scholarship awards. She was inspired to pursue a career in affordable housing because "as the daughter of a single teenage mother, affordable housing was always at the forefront of our struggles. As I grew into my academic career, I knew that I wanted to do something that ensured other little girls did not grow up that way."

Tesfalem Chatot, Lending Assistant

Tesfalem Chatot

Lending Assistant

Email | 857-317-8553

Tesfalem Chatot joined MHP in 2019. He is a graduate of the University of New Hampshire with a bachelor's degree in business administration. During his college years, he did a term of service in San Antonio with Americorps City Year. He also took courses in real state finance and did an internship at Enterprise Bank.

Deepti Kamma, Lending Assistant

Deepti Kamma

Lending Assistant

Email | 857-317-8532

Deepti Kamma joined MHP in 2019. She is a graduate of University of Massachusetts Amherst, where she earned a bachelor's degree in biology and environmental science. She wrote her senior thesis on the environmental and economic impacts of globalization on agriculture in India.

At UMass, she was named a Women in Leadership Fellow and founded the UMass chapter of the Delta Kappa Delta sorority, where she continues to be involved as the chapter's national vice president of marketing. She has extensive volunteer experience, with stints at Habitat for Humanity, the Massachusetts Fair Housing Center and the Massachusetts Public Interest Research Group (MassPIRG).

Portfolio Management

This team provides support for the life of our permanent mortgages.

Cynthia Mohammed, Director of Portfolio Management

Cynthia Mohammed

Director of Portfolio Management

Email | 857-317-8563

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. She was named deputy director of portfolio management in 2016 and director in August, 2018.

Kathryn Riley, Deputy Director of Portfolio Management

Kathryn Riley

Deputy Director of Portfolio Management

Email | 857-317-8581

Kathryn Riley joined MHP in 2017 as a senior portfolio manager and was named deputy director of the PM team in 2018. Prior to MHP, she worked for 16 years at John Hancock Realty Advisors, where she managed a diverse portfolio of affordable housing real estate investments. Prior to that, she held similar positions at First Partners and Boston Capital. She received her bachelor's degree from Boston College and a master's in finance from New York University's Stern School of Business.

Geoff MacAdie, Senior Advisor/Senior Portfolio Mgr.

Geoff MacAdie

Senior Advisor/Senior Portfolio Mgr.

Email | 857-317-8560

Geoff MacAdie has more than 25 years of experience in real estate and affordable housing. He joined MHP's staff in 1998 and was Director of Portfolio Management from 2004 to 2018. 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.

Peter Fraser, Senior Portfolio Manager

Peter Fraser

Senior Portfolio Manager

Email | 857-317-8565

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.

Scott Goldstone, Senior Portfolio Manager

Scott Goldstone

Senior Portfolio Manager

Email | 857-317-8566

As a senior portfolio manager, Scott Goldstone manages a portfolio of MHP permanent loans that encompass a variety of MHP loan programs and capital sources, including bank funds, Fannie Mae and Federal Housing Administration (FHA) loans. He also manages insurance compliance throughout MHP's portfolio, which totals over 275 loans for multifamily developments.

Goldstone joined MHP in 2009 as an assistant portfolio manager. He began his career as a residential mortgage broker, real estate agent, and private residential developer in his home state of Florida. After moving to Massachusetts in 2006, he worked for Just-A-Start in Cambridge on a contract basis as a project manager on an affordable condominium development. This served as his introduction to affordable housing and his eventual pursuit of employment at MHP. "Having experience working on both sides of the for-profit and nonprofit real estate industry has made me a big believer in affordable housing," he says.

He has a bachelor of science in business from Boston University.

Carla Cabral, Portfolio & Compliance Manager

Carla Cabral

Portfolio & Compliance Manager

Email | 857-317-8568

Carla Cabral joined MHP in Feb. 2013 as an interim portfolio manager. She was promoted to portfolio specialist & compliance manager in October 2013 and portfolio & compliance manager in 2019. She provides support for MHP’s portfolio management and is responsible for processing of borrower requests and requisitions, as well as analytical support for portfolio managers. She is also responsible for all affordability and fair housing compliance monitoring activities across MHP’s multifamily loan portfolio, including monitoring initial lease up of projects financed by MHP and permitted with Ch. 40B comprehensive land use permits.

Cabral has over 19 years of experience in multifamily real estate. A native of Portugal, she settled in Boston and used her fluency in Portuguese, Cape Verdean creole and Spanish to do temporary work for the Boston Housing Authority. The BHA hired her to work in its Section 8 Leased Housing department and Cabral says it was here where she used her language skills to connect with residents and embrace the mission and value of providing affordable housing.

Cabral holds a bachelor's degree in social communication, public relations and marketing from Technical University of Lisbon. She earned a management certificate and a master's of science with a focus on project management from Northeastern University. She is currently pursuing her commercial real estate certificate at Boston University. She is a member of National Center for Housing Management (NCHM), and Commercial Real Estate Women of Boston (CREW Boston). Carla has volunteered as a translator at the BHA, and as needed at her prior jobs and now at MHP.

Jayne Touchet, Loan Servicing Coordinator

Jayne Touchet

Loan Servicing Coordinator

Email | 857-317-8529

Jayne Touchet is responsible for providing technical and analytical support to the portfolio management team through a variety of tasks including the processing new loans, preparation of monthly invoices, timely collection and processing of payments, and maintenance and distribution of data on the loan servicing system.

After beginning her career in banking, Touchet worked for Berkely Point Capital for 16 years, first as a client relations specialist and then as a servicing associate. During her career at Berkeley, her responsibilities included servicing a portfolio of over 300 multi-family Fannie Mae loans, managing a $50 billion multi-family and commercial portfolio of 3,800 loans, and the review, processing of new loans as well as the creation of policies to accurately book new loans into the servicing system.

Touchet joined MHP in 2019, attracted in part by the chance to put her portfolio management skills to work in a mission-driven organization. "Given my experience managing diverse multi-family loans, I'm excited to be working in an organization whose goal is to help and support the needs of the community through the creation and preservation of affordable housing," she says.

Caitlin Fortin, Portfolio Operations Associate

Caitlin Fortin

Portfolio Operations Associate

Email | 857-317-8567

Caitlin Fortin started her career at MHP in 2011 as an administrative assistant with the portfolio management team. She has since been promoted to the role of portfolio operations associate. In this role, she assists portfolio managers with the day-to-day aspects of maintaining the large rental portfolio through processing escrow payments, completing financial spread analyses, intake of reporting documents, and other operational tasks.

Fortin is a graduate of Clark University with a bachelor’s degree in sociology. During her time at Clark, she held a work-study job at the Main South Community Development Corp. in Worcester. She was also intern during and after college at the National Coalition for the Homeless and the National LGBTQ Task Force in n Washington, D.C.

In the summer of 2018, Fortin joined the board of East Somerville Main Streets, a nonprofit that works to improve the life of the community by building investment, connection and pride in the neighborhood. She is an active volunteer and helps organize a number of community events.

Merida Kepnes, Portfolio Analyst

Merida Kepnes

Portfolio Analyst

Email | 857-317-8583

Merida Kepnes joined MHP in 2019. She is a 2019 graduate of Simmons College where she earned a bachelor's degree in economics and a minor in sustainability. As part of her course work, Kepnes completed a research paper on Boston’s affordable housing crisis and how multifamily real estate capital can contribute to the solution. Prior to MHP, she did an internship at KeyBank in their commercial real estate capital group. In 2018, the Commercial Real Estate Women of Boston (CREW Boston) awarded her one of their annual scholarships.


This team manages the ONE Mortgage Program which, combined with our previous SoftSecond Mortgage Program, has helped over 21,000 low- and moderate-income families purchase their first home.

Elliot Schmiedl, Director of Homeownership

Elliot Schmiedl

Director of Homeownership

Email | 857-317-8516

Elliot Schmiedl re-joined MHP in March 2016 as the Program Manager for the Homeownership Department and was promoted to Director of Homeownership in August 2016. He is responsible for advancing homeownership priorities and goals, including marketing the ONE Mortgage Program and managing the homeownership team. In his earlier position at MHP, he was a Senior Program Associate, working with lenders and non-profit community partners to administer the SoftSecond and ONE Mortgage Programs.

In addition, Schmiedl served as the Division Director for Family Services at the South Middlesex Opportunity Council, a community-based social service non-profit organization. In this role he oversaw all facets of their Emergency Assistance (EA) shelter program, HomeBASE, and the Housing Consumer Education Center (HCEC), including its homelessness prevention, first-time homebuyer and foreclosure prevention programs.

Schmiedl is also involved in Framingham town government as a former Town Meeting member and current Democratic Town Committee member. He holds a bachelor’s degree in Political Science from Northeastern and a Master’s in Public Administration from Suffolk.

David Worsham, Operations Manager

David Worsham

Operations Manager

Email | 857-317-8519

David Worsham is operations manager for MHP's ONE Mortgage, the state's most affordable mortgage program. In this role, he helps manage the team while overseeing a variety of key administrative duties, including the development and maintenance of the loan origination and servicing system, the authorization of funding for ONE loans, the recapture of public funds from paid-in-full loans, portfolio analysis and management of the post-purchase counseling and education programs.

A graduate of the University of Massachusetts Boston with a bachelor's degree in ethics, social and political philosophy, Worsham began working as temporary employee for the homeownership team in 2014 and was hired full time as an administrative assistant in 2015. He was named operations manager in 2017.

A native of Arlington, Worsham traces his appreciation for housing back to his parents, who worked hard and rented four different houses so that their children could grow up in the same school system. "I am privileged to have had as stable a childhood as I did, and I understand how essential stable housing and homeownership opportunities are to attending to the problems of inequity," he says. "My parents are now homeowners, so they’re finally getting to reap the rewards of their efforts."

Isabel Cruz, Project Manager

Isabel Cruz

Project Manager

Email | 857-317-8526

Isabel Cruz joined MHP in 2018 as a program analyst and was promoted to project manager in 2019.

She works closely with internal and external stakeholders to plan, initiate and manage the implementation of special projects designed to position MHP’s homeownership programs for continued success in an ever-changing, competitive housing market. She conducts research and analyzes data to inform and advance programs and initiatives aimed at closing the racial homeownership gap across Massachusetts. She engages with lenders, non-profit partners, community stakeholders, and interested households on the intricacies of the ONE Mortgage Program, and keeps the ONE Mortgage website with up to date with education and down-payment resources for prospective first-time buyers.

Cruz came to MHP after completing a dual degree master’s program at Clark University, earning master's degrees in business administration and community development. Prior to that, she received a bachelor's degree in sociology from the University of Massachusetts Amherst and worked on education and youth development initiatives as part of a City Year program in San José/Silicon Valley.

Moriah Cummings, Relationship Manager/Legal Analyst

Moriah Cummings

Relationship Manager/Legal Analyst

Email | 857-317-8545

As relationship manager for MHP's ONE Mortgage Program, Moriah Cummings is responsible for managing relationships with 25 of participating lenders, primarily through the review of loan applications, and the facilitation of lender trainings. She is the initial point of contact for all programmatic inquiries from other lenders, municipalities and non-profit partners, and is responsible for maintaining existing partnerships and forming new ones. She also assists in maintaining formal agreements with ONE Mortgage partners and manages new marketing efforts.

Cummings also works as an analyst on the legal team.

Prior to MHP, she worked with organizations that offer direct services to homeless populations in the Greater Boston area, such as the YWCA and Heading Home. It was this work that helped inspire her to pursue a career in affordable housing and pursue her goal of helping to create housing policies that impact those in need.

Cummings began her career at MHP in 2016 as a program administrator. She has bachelor's degree in sociology and public policy from the University of Massachusetts Boston and is currently pursuing a law degree at New England Law Boston.

LaQuisa Burke, Program Associate

LaQuisa Burke

Program Associate

Email | 857-317-8515

LaQuisa Burke joined MHP in July 2017 and is responsible for supporting a wide range of operational aspects for ONE Mortgage, the state's most affordable mortgage program. These responsibilities include working with partner lenders on loan funding, assisting in the management of ONE's post-purchase counseling program (HomeSafe), supervising the collection, tracking and archiving of loan documents and working with first-time owners when they refinance their ONE Mortgage loans. Burke also helps organize and is an charismatic, effective representative at ONE Mortgage marketing events because she is passionate about increasing opportunities for first-time buyers, especially in the City of Boston, her hometown. In 2020, she will be the voice behind some radio ads promoting ONE Mortgage.

She earned an associate degree in business management from Bunker Hill Community College and a bachelor of arts in psychology from the University of Massachusetts Boston (UMB). She also has a graduate certificate in gender, leadership and public policy from UMB. Prior to MHP, her experience in housing included a public policy housing internship at the City of Boston and a City Awake Delegate Fellowship, where she supported programming related to housing issues.

She is a longtime member and current president of the West of Washington Coalition (WOW), a community group which advocates for sustainable change in the neighborhood west of Washington Street in Dorchester. In 2020, thanks to Burke's leadership, the coalition was awarded an $800,000 Community Preservation Act grant from the City of Boston to create a neighborhood park at the corner of Norwell and Park streets.

Administration & Finance

This team combines to run the day-to day-operations and track MHP’s overall financial performance.

Charleen Tyson, Chief Financial & Administrative Officer

Charleen Tyson

Chief Financial & Administrative Officer

Email | 857-317-8510

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 Planning & Reporting

Karen English

Director of Financial Planning & Reporting

Email | 857-317-8513

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.

Dave Oteri, Chief Accountant & Treasury Manager

Dave Oteri

Chief Accountant & Treasury Manager

Email | 857-317-8512

David Oteri joined MHP’s finance and administration team in 1998 as controller. He became chief accounting officer in 2004 and was named to his current position as chief accountant and treasury manager in 2008. He is responsible for the day-to-day financial operation of MHP, along with the management of our cash and investment portfolio.

Before coming to MHP, Dave worked for two public accounting firms for 11 years. Both firms specialized in auditing and tax preparation in the subsidized housing industry.

Dave is a Certified Public Accountant. He has master's debree in business administration from Framingham State University and a bachelor of science in accouting from Villanova University. He is a member of the Massachusetts Society of CPA’s.

Dave has volunteered for over a decade as a soccer and basketball coach in the town he lives in.

Feng Situ, Staff Accountant/Budget Assistant

Feng Situ

Staff Accountant/Budget Assistant

Email | 857-317-8562

As staff accountant and budget analyst, Feng Situ is responsible for a wide range of MHP financial activities, including payroll, check processing, invoice verification, payment approvals, record reconciliation, maintaining accurate files and running monthly financial reports and variance analysis.

Situ joined MHP in 2019. Prior to MHP, he was an accounts payable specialist at Keolis Commuter Services. He is expecting to complete studies for a bachelor of science degree in finance from Northeastern University in the spring of 2020.

Situ says he enjoyed the Keolis mission of providing commuter services so people could achieve a better work-life balance and was attracted to MHP because affordable homes also help people raise their quality of life.

Toi Neely, Executive Assistant

Toi Neely

Executive Assistant

Email | 857-317-8531

Toi Neely joined MHP in September, 2019. She provides support to MHP's finance and administration team. She joins MHP with more than 18 years as an executive assistant at John Hancock Financial Services. Prior to that, she held administrative positions at IDX and Cambridge Trust. She holds a bachelor's degree in management science from Fisher College.

Charmaine Hollins, Receptionist

Charmaine Hollins


Email | 617-330-9955

As part of the finance and administration team, Charmaine Hollins has a variety of responsibilities in addition to being the first person people see when they call or come to MHP. She handles a wide variety of financial data entry roles, makes sure MHP always has the office supplies it needs and creates schedules and helps organize meetings, including MHP board meetings.

A graduate of Charlestown High, she joined MHP in 2014 after gaining previous administrative, marketing and data entry experience at a law firm, a college and in retail. She has certifications in office paralegal, administration and accounting and planning corporate events.

Scott MacIntyre, Information Technology Manager

Scott MacIntyre

Information Technology Manager

Email | 857-317-8573

Scott MacIntyre is responsible for managing all aspects of MHP's network, including data center operations, network management, security, remote access, email data base administration and relationships with all vendors.

He has managed the development of multiple internal initiatives, including a web-based loan origination and servicing system, portfolio management applications, customer relationship systems, company intranet, board of directors web site and a loan document management system (MassDocs) that makes it possible to have one set of loan documents for multifamily projects using multiple funding sources. He has also developed security programs and protocols, including a written information security program, threat intelligence, vulnerability and penetration testing, and annual staff security training. He has also acted as security lead responding to security requirements on lending institutions that partner with MHP.

A graduate of Northeastern University with a bachelor of science degree, MacIntyre worked for five years at Career Finders,, a start-up software company in Needham. He joined MHP in 1997 as information technology coordinator and was promoted to his current role in 2008. He resides with his family in Bristol County MA.

Anton Kavulu, Information Technology Coordinator

Anton Kavulu

Information Technology Coordinator

Email | 857-317-8574

As information technology coordinator, Anton Kavulu is responsible for helping to set up, manage and maintain the security of MHP's computer systems. He provides user set-up and support to MHP staff, maintains MHP's servers and manages the archiving systems. He also manages the performance of printers, scanners, copy machines and related software.

Kavulu joined MHP in 2016. Prior to that, his work experience includes providing desk top computer support at several Boston companies and educational institutions such as the Winsor School in Boston, the Boston Architectural College and Buckingham, Browne and Nichols.

He has a bachelor's degree in economics from Kampala International University. He holds many certifications in cyber security and system administration and has done course work toward a master's degree in financial management and information systems.