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.

At HDF, first time homebuyers become homeowners, developers build affordable housing units, and homeowners find the support they need to innovate. We achieve this using free counseling and unique lending products, together with competitive financing and sustainability programs.

Public and private investment through HDF moves us toward our goal of making homeownership an affordable reality, one household at a time. With this in mind, we leverage private investment to make public subsidy dollars work harder at creating affordable housing. As a result, lenders are offered the chance to invest in sustainable community ownership. We also work with state and local governments to develop innovative housing solutions and to identify qualified homebuyers for our assistance programs.

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


Back to Top

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 series of strong local partnerships, HDF’s services have become available to an increasing number of homebuyers.

Today we have offices in Stamford, Bridgeport, and Danbury providing unique lending products and free homeownership counseling. With more than $120 million in funds under management, our programs include the pre-development, acquisition, rehabilitation, and construction of affordable housing, as well as downpayment and closing cost assistance loan programs for low and moderate income families.

Our service area includes the entire state of Connecticut as well as the counties of Nassau, Suffolk, Rockland, Putnam, and Westchester counties in New York state, the five boroughs of New York City, and a recent expansion into Massachusetts.


Back to Top
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


Elizabeth Frost

Director of Development and Communications

Jaclynn Marie Alves


Natalia Arias

Staff Accountant

Winifred Bailey

Closing and Syndication Manager

Alba Castillo

Business Development Specialist

Katrina Davies

Development Assistant

Mary Alice Dinho

Homeownership Advisor / Danbury Program Manager

Angelica Fernandez

Business Line Data Analyst

Kayte Graveline

Loan Processor

Catherine Halstead

Senior Leads and Administrative Support Analyst

Ana Martinez

Accounting Assistant

Myriam Mena-Polk

Senior Loan Officer & Bridgeport Program Coordinator

Jerry Morgan

Homeownership Advisor

Maxine Murray

Loan Closing Specialist

Alena Nayak

Manager of Data Analytics

Ali Noorani

Data Analyst

Brandon Oldham

Senior Commercial Loan Officer

Laura Pearson

Loan Processor

Maria Sanchez

Servicing Coordinator

Wanda Smiling

Counseling Support Specialist

Alicia Thompson

Grants Manager

Roxana Ubillus

Senior Homeownership Advisor

Jada Williamson

Accounts Payable/ Receivable Analyst

Richard Zelinsky

IT Business Line Data Analyst


Back to Top
Clay Fowler

Spinnaker Companies

Robin Gallagher

Webster Bank

Scott Gerard

Murtha Cullina

Reyno Giallongo, Jr.

First County Bank

Charles F. Howell


Bert Hunter

Connecticut Green Bank

Barbara Kelly


E. Phillip McKain

Community Member

Marjan Murray

People's United Bank

Margaret Powers

Newtown Savings Bank

Kathleen Romagnano

Community Member

Lisa Sanders

TD Bank

Luke Scott


Al Shehadi

Vital Healthcare Capital

Michael Weinstock

M&T Bank