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.

Gina Delano

Interim CFO

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.

Julia Kudrjavtseva

Director of Commercial Lending

Mrs. Julia Kudrjavtseva joined HDF in 2022 as Director of Commercial Lending and has brought to HDF 15 years of experience in Real Estate, Business Development, Commercial Underwriting, Portfolio Management, Credit Risk and Finance. After graduating from Tallinn Technical University of Estonia in 2003 with a major in Business Administration, Julia has started her career with GE’s Financial Management Program and was stationed in manufacturing businesses in the Netherlands, Germany and the US. Julia’s next assignments were in Real Estate with GE Asset Management followed by Credit Risk in Citizensbank. Julia’s roles in banking were held with Bankwell, United Bank and Peoples United Bank. Throughout her career, Julia has been passionate and committed to achieving long term, sustainable results and driving business growth.

Roxana Ubillus

Director of Homebuyer Development

Roxana Ubillus is HDF’s Director of Homebuyer Development and oversees HDF’s pre-purchase counseling and education programs. Prior to that Roxana served as a Senior Homeownership Counselor at Housing Development Fund, where she provided financial assistance and counseling to first time homebuyers. Roxana helps clients become mortgage ready by identifying the areas that are preventing clients to become successful homeowners, and by developing a detailed action plan for her clients to help them achieve homeownership. Roxana holds a Bachelor’s degree in Science from Mercy College, and a Certification from Pace University in Financial Planning. Roxana’s native language is Spanish, and is an active member of the Hispanic Advisory Council of Greater Stamford.

Chris Bogacki

Data & Administrative Manager

Johanna Cabrera

Staff Accountant

Mary Alice Dinho

Homeownership Advisor

Kayte Graveline

Underwriter

David Hoak

Lending Operations Manager

Ana Martinez

Accounting Assistant

Jerry Morgan

Senior Homeownership Advisor

Maxine Murray

Loan Closing Specialist

Brianna Norman

Loan Processor

Eliot Pacheco

Controller

Melanie Ramos

Intake Specialist

Maria Sanchez

Servicing Coordinator

Wanda Smiling

Counseling Support Specialist

Gina Feliz

Princeton Fellow / Development Assistant

Richard Zelinsky

IT Business Line Data Analyst

Michael Chambers

The Per and Astrid Heidenreich Foundation

Clay Fowler

Spinnaker Companies

Charles F. Howell

Attorney

Bert Hunter

Connecticut Green Bank

Michael Hunter

Trinity Financial

Barbara Kelly

Citibank

Annie Lazarus

Landmark Partners

Willard Miley

First County Bank

Marjan Murray

People's United Bank

Kathleen Romagnano

Nexos National Bank

Lisa Sanders

TD Bank

Michael Weinstock

M&T Bank