Joan Carty

President & Chief Executive Officer

Since taking the helm at HDF in 1994, Ms. Carty has grown its funding pools from $8.5 million to more than $151 million. Throughout her career she has established successful relationships with private lenders, government funding sources and corporate and foundation donors. Ms. Carty holds her Bachelor’s degree from the College of New Rochelle, an M.S. in urban affairs from Hunter College, and a law degree from Fordham University School of Law. Joan is currently serving her fourth term on the Federal Home Loan Bank of Boston’s (FHLBB) Board of Directors and is Chair of the Housing and Community Development Committee for the FHLBB. She is also a member of the Executive Committee and Human Resources and Compensation Committee. As a board member of the Housing Partnership Network and a Loan Committee member of the National Neighborworks Association (NNA), Joan is involved in current and critical housing policy issues on a national level. Joan served as a member of the Transportation Finance Panel for the Governor’s office in Connecticut in 2015.

Jaclynn Marie Alves

Director of Residential Lending

Mrs. Alves joined HDF in 2011 as a homeownership advisor and moved into the lending department in 2014 as a loan processor. After becoming licensed in NMLS for the states of CT, NY, MA and VT, she became a loan underwriter with HDF in 2016. In 2019, she took the position of Assistant Residential Lending Manager overseeing the daily activities of the lending department and marketing. In 2021, Jackie became the Director of Residential Lending responsible for the residential lending policies and compliance. Jackie has a B.S. in Political Science and Psychology from the University of Rhode Island.

Elizabeth Frost

Director of Development and Communications

Mrs. Frost joined HDF in 2016 as the Grants Manager and has held the position of Director of Development and Communications since August of 2018. Mrs. Frost came to HDF with over ten years of experience in various aspects of Nonprofit management including grants management and compliance, fundraising, event planning, marketing, and communications. Before her time at HDF, Mrs. Frost managed grants at Boston’s Children’s Hospital and provided fundraising support to the Major Gifts Department at Harvard University’s Development Office. Mrs. Frost holds a B.A. from Franklin and Marshall College where she majored in Government.

Mickey McCarthy

Chief Financial Officer

Prior to joining HDF, Mickey spent 14 years in public accounting managing teams of 3-5 accountants. Mickey’s experience includes financial statement audits, especially in the CDFI and not-for-profit sector, compliance audits under The Single Audit Act, financial statement preparation, assessing client strategic plans and interfacing with client senior management. Mickey earned his bachelors of science in accounting from Southern Connecticut State University and a master’s degree in accounting from Post University. Mickey is also a CPA in the State of Connecticut.

Roxana Ubillus

Director of Homebuyer Development

Chris Bogacki

Data & Administrative Manager

Anne Conners

Operations Associate, Commercial Lending

Gina Delano

Land Trust Consultant

Mary Alice Dinho

Homeownership Advisor

Kayte Graveline

Underwriter

Deborah MacKenzie

Senior Homeownership Advisor

Ms. MacKenzie joined HDF in 2007. She has been the Director of Counseling since September 2009 responsible for pre-purchase counseling and education activities and compliance. Ms. MacKenzie has more than 25 years of cumulative prior experience with the United Way of Northern Fairfield County as a project manager and the City of Danbury as the Director of Welfare and Social Services. She holds a B.S. in Criminal Justice and Administration from the University of New Haven. Currently she holds the necessary NCHEC certifications required to supervise and provide Housing Counseling Services.

Ana Martinez

Accounting Assistant

Jerry Morgan

Homeownership Advisor

Maxine Murray

Loan Closing Specialist

Brianna Norman

Loan Processor

Eliot Pacheco

Controller

Maria Sanchez

Servicing Coordinator

Wanda Smiling

Counseling Support Specialist

Gabby Tummolo

Princeton Fellow/Development Assistant

Richard Zelinsky

IT Business Line Data Analyst

Clay Fowler

Spinnaker Companies

Scott Gerard

Shipman and Goodwin LLP

Charles F. Howell

Attorney

Bert Hunter

Connecticut Green Bank

Barbara Kelly

Citibank

Annie Lazarus

Landmark Partners

Willard Miley

First County Bank

Marjan Murray

People's United Bank

Matthew Quinones

Stamford Public Education Foundation

Kathleen Romagnano

Nexos National Bank

Lisa Sanders

TD Bank

Michael Weinstock

M&T Bank

In Memory of E. Phillip McKain -

On January 8th, 2021, longtime HDF Board Member, E. Phillip McKain passed away. E. Phillip McKain was one of HDF’s longest serving Board Members, having been appointed in 1996 and remaining on HDF’s Board for 26 years. Mr. McKain was an exceptionally dedicated advocate for low-income families. He served as the President and CEO of CTE, Inc. since 1993. In this position, he led the federally designated anti-poverty agency for the Greater Stamford Area, serving Stamford, Greenwich and Darien. He was responsible for the direction, planning and overall administration of CTE's many programs. A graduate of Syracuse University Maxwell School, Mr. McKain received his Master's Degree in Political Science from the University of Pittsburgh. He pursued postgraduate work in the areas of Public Administration, Urban Community Development, and African American Politics at the University of Pittsburgh and Howard University respectively. Mr. McKain also served as a board member of the Stamford Chamber of Commerce, the Stamford Partnership, and the Stamford NAACP. HDF is immensely grateful to have had Mr.McKain as a Board member, friend, and advocate.