Kevin Zwick, Chief Executive Officer
Kevin Zwick has served as Chief Executive Officer of Housing Trust since October 2008 and leads the overall direction, strategy, and impact of the organization. During Kevin’s tenure Housing Trust has invested over $257 million into affordable housing in the greater Bay Area and became the first nonprofit CDFI in the U.S. to receive an S&P rating (AA-). He has also helped lead key local and state affordable housing policy efforts, such as the passage of Measure A, which provided $950 Million for affordable and supportive housing in Santa Clara County. Kevin helped found and now serves as Treasurer of the first membership-based affordable housing advocacy organization in Santa Clara County, SV@Home. He is currently a board member of Nonprofit Housing Association of Northern California (NPH), the Jewish Community Relations Council of Silicon Valley, the City of San Jose’s General Plan Update Task Force, and is a Senior Fellow of American Leadership Forum Silicon Valley’s Class XXV. Kevin received a Master’s Degree in nonprofit administration (MNA) from the University of San Francisco, graduated from the University of California at Berkeley with a degree in Sociology, and completed Neighborworks Achieving Excellence program for Community Development leaders at Harvard University. Kevin enjoys watching, coaching, or reading about soccer, especially if it involves Arsenal or the San Jose Earthquakes.
Julie Mahowald, Chief Financial Officer
Julie Mahowald joined the Housing Trust as Chief Financial Officer in January 2016.  She oversees the budget, financial projections, information technology, accounting, and manages reporting to ensure all fiscal matters are conducted in compliance with U.S. GAAP regulations. She brings over 30 years of corporate finance, treasury management and accounting experience in high growth tech firms such as Oracle, Maxtor, Celestica, and various Silicon Valley start-ups. Julie’s roles included raising capital from banks and venture firms and an initial public offering. Julie also has extensive non-profit management experience through her volunteer board positions. She currently serves as Co-chair of the Los Altos Community Foundation and was a long-time board member of East Palo Alto Kids Foundation. Julie earned her BA in Economics from Tulane University and an MBA in Finance and MA in International Studies from the Wharton School, University of Pennsylvania where she was a Fellow with the Lauder Institute of Management and International Studies. An active volunteer, she is fluent in French, is currently learning Mandarin, and enjoys tennis.
 Craig Mizushima, Chief Compliance and Risk Officer
Craig Mizushima joined Housing Trust in April 2018.  In the role of Chief Compliance and Risk Officer he leads Housing Trust’s new program development and oversees the Asset Management department as well as its impact reporting.  Craig has over 30 years experience in community and economic development, affordable housing and commercial real estate. For the last four years Craig served nonprofits as both a consultant and as Senior Vice President for IFF, a large Midwest CDFI where he oversaw loan volume growth to over $100 million annually and the deployment of over $130 million in New Markets Tax Credits awards supporting community development.  Craig had previously spent over 20 years in banking management roles  at U.S. Bank, BMO/Harris Bank, and the Northern Trust, and has also led development programs for the City of Chicago and the Chicago Housing Authority.  He holds a Master’s Degree in Urban Planning & Policy from the University of Illinois Chicago and a Bachelor’s Degree from Northeastern Illinois University.  A native of Chicago, Craig enjoys volunteering with nonprofit organizations, travel, golf, and spending time with his wife Nina and their daughter Kristin.
Julie Quinn Julie Quinn, Chief Development Officer
Julie Quinn has worked at Housing Trust since 2010 and has served as Chief Development Officer since April 2019. In this position, she is responsible for raising capital for lending, fundraising for operating and program support, as well as events and marketing. Prior to this role she worked as Multifamily Senior Loan Officer where she was responsible for implementation of the Housing Trust’s multifamily lending activities including program development, origination and underwriting of over $30 million in loans. Prior to that she was the Homebuyer Program Manager, during which time Housing Trust assisted 214 first-time homebuyers with over $7 million in loans. Julie has 15 years of experience in community lending, affordable housing development and program and portfolio administration. She is also on the City of San Jose Housing and Community Development Commission. Julie holds a Master’s Degree in urban planning from the University of Southern California, and a Bachelor’s Degree from the University of California, San Diego. She enjoys hiking and spending time doing crafts with her kids.




Fathia Macauley, Chief Lending Officer
Fathia Macauley joined Housing Trust as Chief Lending Officer in September, 2019. She manages Housing Trust’s lending programs including ADU, homebuyer and multifamily. Fathia was most recently California Market Lead at Capital Impact Partners, leading strategic planning for affordable housing lending and business strategy for California. She managed a $70M CA loan pipeline as well as three venture loan funds, including originating loans for Capital Impact’s participation in The Bay’s Future Fund. Prior to Capital Impact Partners, Fathia served as Director of Business Development, Northern California for Clearinghouse CDFI. Throughout her career she has managed over $600M in CRA and affordable housing development projects and participated in the creation of over 1,000 affordable homes. She has also consulted to affordable housing developers and developed affordable housing in Los Angeles, having worked for such organizations as Yokota and Associates, Project New Hope, Vermont Slauson Economic Development Corporation, and acting as Development Representative in the Office of Los Angeles Mayor Richard Riordan. She holds a Master’s degree in Urban and Regional Planning from the UCLA Luskin School of Public Affairs and earned her Bachelor’s degree in History and African Area Studies from UCLA. She is also an avid reader and film buff and enjoys enjoys traveling and creative writing.
Jessica Prasad, Accessory Dwelling Unit, Program Associate
Jessica Prasad joined Housing Trust as a Program Associate in November 2018. In this position, she supports the development and implementation of Housing Trust’s Small Homes, Big Impact ADU Program. Before Housing Trust, she worked at various local government divisions, including economic development, housing, planning, and parks & recreation. She earned a Masters of Urban Planning in Community Design and Development from San Jose State University and a Bachelors in Anthropology and Community/Regional Development from University of California, Davis. She enjoys collecting historical maps, playing softball and restoring old furniture.
pam-sized-for-web Pam Berkowitz, Director of Multifamily Lending
Pam Berkowitz joined Housing Trust as Senior Loan Officer in June 2016 and was named Director of Multifamily Lending in July 2019. In this role, Pam works with to underwrite predevelopment, acquisition, bridge loan financings and expand the Housing Trust’s footprint in the greater Bay Area. Pam began her career in New York as a housing analyst where she helped develop Standard & Poor’s (S&P) multifamily affordable housing criteria, and then became the first housing analyst in S&P’s San Francisco office to act as a primary analyst or chairperson for multiple single and multifamily transactions. Pam was also instrumental in expanding S&P’s role in providing ratings for social housing providers and community development financial institutions. She volunteers regularly in her community and is currently a board member for California Association of Local Housing Finance Agencies (CAL-ALHFA).  She earned her BA in Sociology and Economics from the State University of NY at Binghamton and her MBA in Finance from Baruch College. Pam enjoys yoga, travel, and spending time with her family.
Steven Yang, Senior Loan Officer
Steven Yang joined Housing Trust as Loan Officer in December 2017 and was named Senior Loan Officer in July 2019.  In this role, Steven works with the Multifamily Lending Program team to originate and manage loans to housing developers and cultivate financing partnerships.  Steven has over 10 years of experience in commercial real estate lending, having led the underwriting and administration of a loan portfolio in excess of $300 million and served as a key contributor in the implementation of an affordable housing program at a for-profit bank. He has also served as Development Chair on a local nonprofit board. He earned his BA in Political Science and Asian Studies with an emphasis in Developmental Economics from the University of California at Berkeley. He enjoys maintaining an active lifestyle and has successfully summited Mount Kilimanjaro in Tanzania, Africa.
Martha Lopez Martha Lopez, Manager – Loan Administration
Martha Lopez serves Housing Trust as  Manager – Loan Administration and has over 30 years of experience in the real estate loan field. After working for several major for-profit real estate lenders in subdivision construction, commercial real estate and SBA lending departments, she took a loan administration position with a nonprofit CDFI in 2008, where she worked for five years until the loan program was assigned to Housing Trust. Martha joined Housing Trust as a loan administrator and assisted with the setup of the new Multifamily lending department in 2013. She completed Real Estate coursework at San Jose City College and enjoys traveling, short hikes, gardening and reading.
Janeth Sapien, Junior Loan Administrator – Multifamily Lending
Janeth Sapien joined Housing Trust Silicon Valley as a Junior Loan Administrator in the Multifamily Lending Department in April 2018. In this role, Janeth works with the Multifamily Lending team to close and administer loans to affordable housing developers. Janeth holds an associate degree in business administration and has experience in various operational roles within the field of finance services. In her spare time she enjoys making origami and learning odd historical facts.
Khadeja Tran, Junior Homebuyer Programs Specialist
Khadeja Tran joined Housing Trust in March 2019 as a Junior Homebuyer Programs Specialist in the Homeownership Department. In this role, she supports the homeownership team in underwriting and marketing down payment assistance programs. Khadeja holds a BA in both Asian American Studies and Sociology from the University of California, Santa Barbara. She enjoys weightlifting, discovering new genres of music, and spending quality time with loved ones over food.
Vivian Vo Vivian Vo, Accounting Manager
Vivian Vo joined Housing Trust in 2012 and presently serves as Accounting Manager. In this role she assists the Chief Financial Officer in maintaining the organization’s complex accounting and finance records. Her efforts have contributed to a string of clean audits. Prior to Housing Trust, Vivian worked as an accountant at a public accounting firm for six years and worked at The Health Trust for five years, providing back office accounting services to other nonprofits throughout Silicon Valley. Vivian holds a Bachelor’s degree in accounting from San Jose State University. She enjoys spending time with family and friends, traveling, and watching her kids play sports.




Sumeet Batra, Financial and Systems Controller
Sumeet Batra joined Housing Trust as Financial & Systems Controller in September, 2019. In this role, he is responsible for providing financial and systems expertise to improve accounting, mortgage servicing, and CRM systems. Additional responsibilities include financial planning and analysis, management reporting, administration, and the oversight of IT. Prior to this role he was Vice President of Finance & Administration at the Boys & Girls Clubs of the Peninsula. Sumeet made his pivot to non-profit work in 2017 after having spent 20+ yrs. in high-tech and management consulting, working for both startups and multi-billion-dollar organizations such as Hewlett-Packard and Applied Materials. In his previous roles, Sumeet has directed strategic planning, mergers & acquisitions, and internal audit teams, led IT and systems assessments and implementations, overseen new product launches, and established Finance Centers of Excellence (COE’s) in Asia and the America’s. Sumeet received his MBA and BS in Finance from San Jose State University and completed the Executive Education Program in Mergers & Acquisitions from Columbia University in New York. Sumeet enjoys spending time reading, traveling abroad, cooking with friends, and trying, with mixed results, to instruct his still boisterous 8 yr. old lab, Teddy.
Adria Quinones-Masur Adria Quinones-Masur, Director, Homebuyer Programs
Adria Quinones-Masur has managed the Homeownership Program Department at Housing Trust since July 2013. In this role she is responsible for the underwriting, marketing, and educational outreach of homebuyer assistance loan and grant programs. In addition to the loan programs, the department administers and manages the Below Market Purchase Program for the City of Santa Clara. Adria has also assisted in the development of rehabilitation grant programs for the city of Morgan Hill and for Wells Fargo. Adria partners with non-profits, businesses, real estate industry professionals and faith based organizations to get the message out about affordable housing programs in Silicon Valley. She is a graduate of San Jose State University and holds a Bachelor’s Degree in Business Administration. She is the resident Housing Trust baker often tempting her colleagues to abandon their diets.
Hong 2015 Hong Anh Ngo, Home Ownership Programs Specialist
Hong Anh Ngo joined Housing Trust as a Junior Loan Underwriter in July 2014. In her present role she assists the Homeownership programs manager in underwriting and marketing down payment assistance loan programs.  She has worked in the legal and real estate industries since 2009 and has served as a paralegal, mainly handling personal injury, loan modification, debt negotiation, and bankruptcy cases. She also worked as a real estate coordinator and a loan underwriter. Hong went to San Jose State University and graduated in 2007 with a BS degree in Management. She is an undeniable foodie who enjoys sightseeing, traveling and hiking.
Jeanette Ruiz-Granada Jeanette Ruiz, Compliance Specialist
Jeanette Ruiz has been with the Housing Trust since 2008. In her current position, Jeanette draws on her 15 years of experience in the housing industry to support the Asset Management Department with portfolio management. She is also the administrator for the Finally Home Grant and the Housing Affordability Fund. Prior to joining the Housing Trust, Jeanette worked as an Escrow Assistant at LandAmerica Commonwealth Title. She enjoys dancing, camping, traveling with her family and the beach.
Alison Frost, Development Manager
Alison Frost joined Housing Trust in 2013 as Development Assistant and currently serves as Development Manager. In this role, she supports the Chief Development Officer with donor stewardship efforts, event planning, and grant writing. Alison has a passion for art and design, and enjoys being able to serve the Housing Trust creatively by designing their print and marketing materials.  She holds a BA from the University of California, Santa Cruz and enjoys ceramics, writing calligraphy, and sewing.
Michael Norris, Communications Manager
Michael Norris joined Housing Trust as Communications Manager in October 2017. Prior to this role, Michael worked as a freelance writer for private and public sector clients in the U.S. and abroad including Samsung, Big Mountain Data and the American Association of Publishers. Since moving to the Bay Area in 2015 he has also volunteered in social media management and outreach roles for Good Karma Bikes and Cranksgiving San Jose – an annual bike-based food drive to benefit Second Harvest Food Bank. Michael worked in communication and research roles across several industries including book publishing, sustainable transportation and consumer tech. He is also a member of the City of San Jose’s Bicycle & Pedestrian Advisory Board. Michael received his BA in Sociology and Mass Communications from Franklin Pierce University. He enjoys bicycling, traveling abroad, and welding.
Kit Bay, Office Manager
Kit Bay joined Housing Trust Silicon Valley as Office Manager in April 2017. Kit has supported growing teams and team culture across industries including software and bio-technology. At the Housing Trust, Kit wears many hats to provide support so that our team can remain focused on the programs that serve our clients. Kit graduated from the University of Illinois with a B.S. degree in Education. She enjoys volunteering, live music, and time for a good book.