HDF’s mission is to facilitate the development of affordable housing, both rental and homeownership, and to assist households to become and remain owners of affordable homes.

With help from HDF, first time homebuyers become homeowners through free counseling and unique lending products, developers build affordable housing units with competitive financing, and homeowners are encouraged and supported through innovative programs.

Public and private investment through HDF is making sustainable homeownership a reality, one #HDFHome at a time. HDF leverages private investment to make public subsidy dollars work harder to create affordable housing, offering lenders the opportunity to invest in the sustainable ownership of our communities. We work with state and local governments to develop innovative housing solutions and to identify qualified homebuyers for affordable housing and homebuyer assistance programs.

HDF is a HUD-Certified counseling and lending agency. We are certified by the US Treasury Department as a Community Development Financial Institution (CDFI), a Chartered Member of NeighborWorks America, a CARS rated agency (AA +2), and a member of the Opportunity Finance Network and the Housing Partnership Network. HDF is an equal opportunity lender.


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The Housing Development Fund, Inc was established in 1989 as a nonprofit organization to finance the development of affordable housing in Stamford, CT. Early on, we provided financing for developers of affordable housing, downpayment assistance loans for first time homebuyers, and were instrumental in establishing inclusionary zoning in both Stamford and Norwalk. In 1999, we merged with Adopt-a-House and began to provide free homeownership counseling services to homebuyers. Since then, through a combination of strong local partnerships, HDF’s services have become available to an increasing number of homebuyers.

Today, with offices in Stamford, Bridgeport, and Danbury, HDF provides lending and homeownership counseling services to the entire state of Connecticut as well as Nassau, Suffolk, Rockland, and Westchester counties in New York. With more than $120 million in funds under management, HDF encompasses programs for pre-development, acquisition, rehabilitation, and construction of affordable housing as well as down payment and closing cost assistance loans to low- and moderate-income families.


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Joan Carty

President & Chief Executive Officer


Gina Delano

Chief Financial Officer


Kelly Almanzar

Director of Residential Lending


Deborah MacKenzie

Director of Homebuyer Development


Elyse Pitts

Director of Innovation


Mary Trent

Director of Development and Communications


Jaclynn Marie Alves


Natalia Arias

Staff Accountant

Winifred Bailey

Closing and Syndication Manager

Alba Castillo

Business Development Specialist

Ana Martinez

Accounting Assistant

Mary Alice Dinho

Homeownership Advisor / Danbury Program Manager

Angelica Fernandez

Business Line Data Analyst

Elizabeth Frost

Grants Manager

Kayte Graveline

Loan Processor

Catherine Halstead

Senior Leads and Administrative Support Analyst

Myriam Mena-Polk

Senior Loan Officer & Bridgeport Program Coordinator

Alena Nayak

Senior Business Line Data Analyst

Jerry Morgan

Homeownership Advisor

Gwendolyn Robinson

Loan Closer

Maria Sanchez

Servicing Coordinator

Wanda Smiling

Counseling Support Specialist

Poupae Sinsub

Development Assistant

Roxana Ubillus

Senior Homeownership Advisor

Jada Williamson

Accounts Payable/ Receivable Analyst

Richard Zelinsky

IT Business Line Data Analyst


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