Staff & Board

Meet our Staff

Noni Ramos

Chief Executive Officer

Noni Ramos joined Housing Trust as Chief Executive Officer in January 2021. In this role she provides strategic leadership and oversees all day-to-day operations. Prior to Housing Trust, Noni served at Enterprise Community Loan Fund as Senior Vice President and Chief Operating Officer, where she oversaw the lending, portfolio and risk management, finance, and administration functions to align the organization’s strategic direction. Prior to these roles she served as Vice President of Capital Solutions and Chief Lending Officer. Before joining Enterprise, Noni was Chief Credit Officer for Low Income Investment Fund (LIIF) where she was responsible for directing all lending and portfolio management functions for its national portfolio of community development loans. She also held various lending and programmatic positions of progressive leadership during her 14-year tenure at LIIF. Noni currently serves as board chair of the California Coalition for Community Investment, a coalition of cross sector CDFIs working in California. She is also a board member of Mercy Community Capital, Community HousingWorks, SPUR San Jose, and Community Health Center Capital Fund. Noni received a Bachelor’s degree from the Walter A. Haas School of Business at the University of California, Berkeley, and earned a Master’s in Public Administration from the California State University, East Bay.

Julie Mahowald

Chief Financial Officer

Julie Mahowald joined Housing Trust as Chief Financial Officer in January 2016.  Her responsibilities include strategy and planning, capital structure and capital raise, accounting, treasury as well as admin and operations.  She has also served as interim CEO of Housing Trust, and is part of the leadership team bringing the TECH Fund, the Apple Affordable Housing Fund, and Google’s Launch Initiative to fruition –each investing funds to start up or preserve of affordable homes within months of establishment. Julie brings over 30 years of corporate finance, treasury management, and strategy experience in high growth tech firms such as Oracle, Maxtor, Celestica, and various Silicon Valley start-ups.  Her roles included raising capital from banks and venture firms, international finance, and guiding an initial public offering.  Julie also has extensive non-profit management experience through her volunteer board positions.  She serves on the board of the Los Altos Community Foundation and is a past co-Chair. Julie was a long-time board member of East Palo Alto Kids Foundation.  She 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.

Fathia Macauley

Chief Lending Officer

Fathia Macauley joined Housing Trust as Chief Lending Officer in September, 2019. She provides oversight for Housing Trust’s lending programs including Multifamily, first-time homebuyer programs and Accessory Dwelling Unit (ADU) initiatives. 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 leading 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. Fathia has been in the field of community development finance for the past 25 years, including over 18 years of experience financing and developing redevelopment projects throughout California, ranging from affordable housing development projects to community facilities such as charter schools, community health clinics, faith-based facilities and mixed-use development projects. 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. Fathia has also written several community plans and conducted community development research on the intersection of neighborhood revitalization and community investment. Fathia 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.

Prathit Thaker

Chief Credit Officer

Prathit joined Housing Trust as Chief Credit Officer in February 2022. His responsibilities will include leading the credit, risk management, loan administration, asset management, and compliance functions. Prathit is a seasoned executive with 25+ years of depth and breadth of credit risk management, commercial real estate finance and debt capital markets experience working at global investment and commercial banks, CDFI, CMBS originators and FinTech startups. Prior to Housing Trust, he worked at Capital Impact Partners (CIP), where he was responsible for business development, loan originations, and underwriting of complex affordable housing transactions in the Bay Area. He also managed the Bay’s Future Fund and Community Housing Fund partnerships which provided off-balance sheet capital for affordable housing developments. Prior to these roles, while working at the FDIC for two years during the Great Recession following 2008 financial meltdown, Prathit provided credit risk management oversight, consulting on asset quality evaluations of loan portfolios at 40+ banks. He started his career in debt capital markets as a CMBS and MBS trader at Bear Stearns and later worked in structured finance focusing on CMBS transactions at Lehman Brothers – both in New York. Prathit received his MPA in International Finance from Harvard University and M. Arch; MCP degrees from the University of Pennsylvania.

Nazmin Bishop

Chief Development & Communications Officer

Nazmin joined Housing Trust as Chief Development & Communications Officer in December 2021. In this role she provides leadership for the organization’s development and communications strategy in support of organizational, programmatic, and operating goals. Prior to Housing Trust, Nazmin served as Director of Philanthropy & Communications at Pacific Vison Foundation. She has been in the fields of Business Development, Marketing, and Communications most of her professional career. Her career began in corporate aviation, and she has held key positions in both the for-profit and nonprofit sectors. This included leading a student loan partnership with the U.S. Department of Education and an online fine art gallery on Costco.com. Her true passion is using her talents to advocate for under-resourced communities. That desire has led her to dedicate over two decades to the nonprofit world serving as Director of Major Gifts at Zen Hospice Project, Director of Development at Support for Families of Children with Disabilities, V.P. of Business Development at Art for Action, and Executive Director at Wings for Life. Nazmin is a Bay Area native and grew up in San Francisco and on the Peninsula. Educated at the University of San Francisco, Nazmin holds a BA in Journalism and completed all requirements for the Journalism graduate program. 

Pam Berkowitz

Vice President of Multifamily Lending and Business Development

Pam Berkowitz

Vice President of Multifamily Lending and Business Development

Pam Berkowitz joined Housing Trust as Senior Loan Officer in June 2016, was promoted to Director in 2019 and was named Vice President of Multifamily Lending in June 2021. In this role, Pam works to increase Housing Trust’s footprint in the Great Bay Area and provide leadership to the multifamily loan team whose activities include underwriting predevelopment, acquisition, and bridge loan.  She is involved in the management of several of Housing Trust’s lending partnerships.  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. She volunteers regularly in her community and is currently a board member for California Association of Local Housing Financial 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.

Lupita Lourdes Medina

Director of Human Resources

Lupita Lourdes Medina joined Housing Trust as Director of Human Resources in July 2021.In this role, she is responsible for HR operations and compliance, full employee life-cycle support, training and development; and serve as a key partner in driving Diversity, Equity and Inclusion efforts. Prior to joining Housing Trust, Lupita served as Director of Human Resources for KIPP Public Schools Northern California and served as HR coordinator and HR manager for The Foundation for Hispanic Education. She brings over eight years of HR and payroll experience including strategy and compliance, benefits and payroll administration, employee relations, recruitment, onboarding, performance management, change management, training, HRIS implementation and management, handbook and policy and procedures development. Lupita earned a bachelor’s degree in Business Administration and Spanish from San Jose State University.

Christine Pezino

Finance Director

Christine Pezino joined Housing Trust as Finance Director in April 2022. In this role, she is primarily responsible for financial planning and analysis, as well as support for business decisions, strategy, and risk management. Prior to Housing Trust, Christine handled all aspects of finance for a multi-family property management organization. Her previous experience includes 15 years in Equity Research on both the buy-side and sell-side at Franklin Templeton Investments, JPMorgan, and Hambrecht & Quist. Christine began her career in investment banking at SoundView Technology Group and holds a BS in Finance from Santa Clara University.

Steven Yang

Director of Multifamily Lending – Diversity, Equity & Inclusion Lead

Steven Yang

Director of Multifamily Lending – Diversity, Equity & Inclusion Lead

Steven Yang serves as Housing Trust’s Director of Multifamily Lending and Diversity, Equity, and Inclusion Lead. In this role, Steven works with the Multifamily Lending Program team to originate and manage loans to housing developers and cultivate financing partnerships. He also leads Housing Trust’s Diversity, Equity, and Inclusion committee. Prior to joining the nonprofit sector, Steven spent over a decade in corporate and commercial real estate lending, having led the underwriting, loan administration, and portfolio management functions, as well as served as a key contributor in the implementation of an affordable housing program, at a for-profit bank. He was Development Chair for a local LGBTQ+ nonprofit foundation’s board, is a Northern California Grantmaker’s (NCG) Racial Equity Action Institute alumnus, and a National Development Council certified Housing Development Finance Professional. He earned his BA in Political Science and Asian Studies with an emphasis in Developmental Economics from the University of California at Berkeley.

Michael Bannen

Loan Officer

Michael Bannen joined Housing Trust as a Loan Officer in March 2020.  In this role, he works to underwrite predevelopment, acquisition, and bridge-loan financing to expand Housing Trust’s greater Bay Area footprint.  Mike began his career at Wells Fargo Bank in San Francisco as an insurance auditor and moved to Minneapolis to be an analyst in a commercial real estate production office.  He returned to San Francisco to work in Wells’ Community Lending & Investment group, where he began his work in affordable housing. He has volunteered tutoring adults pursuing their GED, computer literacy skills, and English as a Second Language, and earned a Bachelor of Science degree in Economics from Santa Clara University.

Mukhtar Barna

Senior Fund Accountant

Mukhtar Barna joined Housing Trust as Senior Fund Accountant in March 2022. In this role, he will guide the growth of a fund we are managing on behalf of a large tech company, and will also contribute to Housing Trust’s accounting, analysis, and reporting. Prior to Housing Trust, Mukhtar spent nine years working with Washington based nonprofit organizations and USAID implementing partners in Afghanistan, including Blumont Global Development and Chemonics International. Mukhtar speaks six languages. He was the recipient of a Fulbright, DAAD (Deutscher Akademischer Austauschdienst, a German Academic Exchange Service), and ICCR (Indian Council for Cultural Relations) Scholarship. He holds a Bachelor’s in Business Administration from Pune University in India and a Master’s in Finance from Tulane University in New Orleans. In 2019, Mukhtar moved to the United States from Afghanistan with his wife and four kids.

Yvonne Castillo

Homebuyer Education Specialist

Yvonne Castillo joined Housing Trust in December 2019 as Homebuyer Education Specialist for the Homeownership Programs Department. In this role, she provides financial assistance, counseling, and administers workshops to first-time homebuyers. Prior to joining Housing Trust, she spent over 15 years working for the nonprofit agencies, Money Management International and SurePath Financial Solutions as a Certified Consumer Credit Counselor tailoring financial solutions for credit, debt repayment and mortgage assistance. Yvonne also volunteers as a coach for the Red Power Divas, a local running and walking support group. She earned her BS in Organizational Management and Ethics and her MBA in Finance from Oklahoma Wesleyan University.

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.

Mao Gaoteote

Loan Administrator

Mao Gaoteote joined Housing Trust in November 2019 as Loan Administrator for the Multifamily lending department. Prior to joining Housing Trust she spent over 20 years working both in for-profit and non-profit as a lender in retail and SBA (Small Business Administration) for a CDFI lender and various community  banks. Since 2012, she has been serving as a Loan Committee Member to NorCal- FDC and has been a Board Member to various committees for the Sierra Pacific Conference – FMC since 2017.

Daniel Garaycochea

Staff Accountant

Daniel Garaycochea joined Housing Trust in November 2019 as a Staff Accountant. Prior to the Housing Trust Daniel worked as an auditor at a certified public accounting firm for over five years, specializing in LEA, nonprofit and single audit engagements.

Linda Kemmer

Staff Accountant

Linda Kemmer joined Housing Trust Silicon Valley in October 2020 as a Staff Accountant.  Prior to Housing Trust, Linda has worked as a Fund Accountant for both Private Equity and Venture Fund companies.  She also brings to the Housing Trust years of non-profit experience working for both The David and Lucile Packard Foundation and Omidyar Network. 

Stephaney Kipple

Senior Loan Officer

Stephaney Kipple joined Housing Trust Silicon Valley as Senior Loan Officer in September 2020. In this role, she qualifies and underwrites developer financing loans throughout the greater Bay Area. Prior to joining Housing Trust, Stephaney was a Senior Project Manager at the Mission Economic Development Agency where she managed the development and financing of an 130-unit affordable housing project, as well as commercial acquisitions for arts, culture and neighborhood economic development. She has also worked at a San Francisco CDFI and on socially-equitable real estate projects in Detroit, New York City, and other cities. Stephaney received a Master of Science in Urban Policy Analysis and Management from the New School for Management and Urban Policy in New York City and holds a BBA from Eastern Michigan University. Stephaney is a also a member of OFN, NPH, ULI, and serves as Treasurer on the climate and transportation equity nonprofit, TransForm.

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.

Thu Mai

Staff Accountant

Thu Mai joined Housing Trust in April 2022 as a Staff Accountant. In her role, she will be assisting in the general day to day accounting (accounts payable, accounts receivable), closing the month, handling some tax related matters, and eventually taking over payroll. Thu earned a BS degree in Accounting from Cal State East Bay and has over 15 years of experience in accounting. Prior to joining Housing Trust, she worked in accounting at a health and wellness company for more than eight years.

Brent Malloy

Assistant Controller

Brent Malloy joined Housing Trust as the Assistant Controller in December 2021. In this role, his responsibilities include establishing in-house loan servicing accounting capacity, leading the accounting team, ensuring technical accounting is adopted and documented as we grow and as pronouncements change. Prior to joining Housing Trust, Brent served as the Assistant Controller at Accion Opportunity Fund Community Development, a leading microfinance CDFI that provides working capital loans to traditionally underserved small businesses. Brent brings over 15 years in finance, primarily for small businesses in such industries as non-profit lending, manufacturing, consumer goods, software, and hospitality industries. He earned a BA in Political Science from UC San Diego, a Certificate of Advanced Accounting proficiency from Santa Clara University, and a California CPA license in 2018, which is currently active.

Elisa Montepio

Underwriter

Elisa joined Housing Trust in November 2021 as an Underwriter for First Time Homebuyers.  In this role, she underwrites Empower Homebuyer SCC and Homebuyer Empowerment Loan Program (HELP) loans.  Prior to joining Housing Trust, she spent over 18 years working as mortgage loan underwriter and mortgage loan processor at Wells Fargo Institutional Lending Wholesale, RMR Financial, LLC., Guaranteed Rate Affinity, LLC.  and Pacificwide Business Group, Inc.  Elisa completed a BS in Commerce major in Economics and earned 21 academic units of MBA from the University of Santo Tomas, Philippines.

Hong Anh Ngo

Manager, Homebuyer Programs

Hong Anh Ngo joined Housing Trust as a Junior Loan Underwriter in July 2014 and was named Senior Program Specialist in July 2020. 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.

Yvonne Nitafan

Underwriter

Yvonne joined Housing Trust Silicon Valley in October 2021 as an Underwriter for First-Time Homebuyers. She underwrites mortgage loans for down payment assistance programs under Empower Homebuyers SCC and Homebuyer Empowerment Loan Program (HELP). She has worked in mortgage banking/financing for over 18 years from being a loan processor to an underwriter. She also worked in the real estate industry as a transaction coordinator. Yvonne has a degree in BS Computer Engineering at the Polytechnic University of the Philippines, and also took up Computer Information Technology and had courses in California Real Estate Practice, Appraisal and Principles at Mission College, Santa Clara, California.

Adelene Ramos

Communications Manager

Adelene Ramos was promoted to Communications Manager at Housing Trust in February 2022. In this role, she is responsible for developing, implementing, and overseeing communications programs that effectively describe and promote Housing Trust Silicon Valley, our products, and programs. She joined the organization in January 2020 as the Marketing & Outreach Coordinator for the Homeownership Programs Department, where she provided marketing, outreach, communications, and administrative support for the Homebuyer Department. Adelene brings more than two decades of experience in strategic communications, storytelling, and project management to her role, along with a background working in nonprofits, social justice, city government, and higher education. She holds an MBA from Santa Clara University’s Leavey School of Business, with concentrations in Marketing Management and Leading People & Organizations; she was a Hackworth scholar and a Roelandts scholar. Adelene also holds a BA in Film and Video Production from the University of California, Santa Cruz.

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 Land America Commonwealth Title.

Sonya Singha

Mortgage Loan Officer, Construction and ADUs

Sonya Singha joined Housing Trust as a Mortgage Loan Officer, Construction & ADUs, in March 2020. She helps originate construction, pre-development and bridge financing for homeowners to cover the cost of constructing an accessory dwelling unit on their property. She brings extensive knowledge of mortgage products and financing from her previous experience operating a mortgage brokerage company for the last 20 years, where her personal loan volume business was between $10-15 annually. She is passionate about giving back to the community and enjoys volunteering in her spare time.

Becky Swift

Senior Loan Administrator

Becky Swift joined Housing Trust Silicon Valley as the Senior Loan Administrator in September 2021. In her role she coordinates loan closings for the Multifamily team.  Prior to joining Housing Trust she spent over 15 years working in for-profit lending as an underwriter and credit analyst for various community banks. Becky graduated from the University of Santa Barbara with a BA degree in Communications.

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.

Board of Directors

Craig Robinson

Craig Robinson

Chair

Silicon Valley Bank

Katia Kamangar

Katia Kamangar

First Vice-Chair

Housing Development Consultant

Joe Anzalone - Housing Trust Board Member

Joe Anzalone

Second Vice-Chair

Technology Credit Union

Kevin Deeble

Kevin Deeble

Treasurer

Cisco

Sharon Lee

Sharon Lee

Secretary

Stripe

Mike Beasley

Mike Beasley

Gilroy Compassion Center

Mary Chandler

Mary Chandler

Wells Fargo

Art Fatum

Art Fatum

Retired Financial Executive

Jonathan Fearn

Jonathan Fearn

Greystar

Katie Ferrick

Katie Ferrick

LinkedIn

Papipa Gambelin

Papia Gambelin

United Airlines

Lisa G 2020

Lisa Gutierrez

US Bancorp

Meg McGraw-Scherer

Meg McGraw-Scherer

California Housing Partnership

Hilda Ramirez - Housing Trust Board Member

Hilda Ramirez

Keller Williams Silicon City

Ahmad Thomas picture

Ahmad Thomas

Silicon Valley Leadership Group