The staff of HFA consists of highly experienced and committed housing professionals. HFA provides a high quality work environment and, as a result, has a very stable and long tenured staff -- a great benefit for the organization, our communities, and the people with whom we work. We are proud that the staff creates and maintains top quality communities and resident services through their HFA work, and that they also give generously of their time to an extensive array of other housing organizations and activities. HFA staff has made significant contributions to Maryland and national policy development and to securing funding for State housing programs.  The staff is:

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Kathy Ebner, President and CEO

Kathy Ebner

President and CEO

Kathy has been with Homes for America since 1998, serving in several capacities with the Annapolis based nonprofit housing development organization.  She began her career with HFA serving as the Manager of Homeownership Programs; subsequently she served as Development Director and Vice President of Portfolio Management. In addition to her work with HFA, Kathy has worked in real estate and for a nonprofit foundation in Richmond, Virginia.


Kathy has served on the Board of Directors for a number of housing organizations including, Habitat for Humanity of the Chesapeake and is currently a Board member of Stewards of Affordable Housing for the Future, the Maryland Affordable Housing Coalition and the Anne Arundel County Affordable Housing Coalition.  


A native of Annapolis, Maryland, Kathy has deep community roots, serving on numerous local nonprofit boards and committees. She also participated in the flagship group of outstanding leaders in a local leadership program.


She has an MA in Administrative Services from Johns Hopkins University, a BA from Marietta College and various industry certifications.

Finance and Administration

Jolly Burks, Chief Financial Officer

Jolly Burks

Chief Financial Officer

Jolly became the Chief Financial Officer of HFA in August 2015.  She has eight years experience in financial management in the nonprofit sector for East Baltimore Development Inc. (EBDI).  Jolly was Chief Financial Officer for 3 years and prior to that Comptroller.  Before joining EBDI she held progressively responsible positions over a 15 year tenure at the Maryland Department of Housing and Community Development as Director of Accounting, Director of Finance and Administration, and ultimately Deputy CFO.  She was in public accounting for 7 year at KPMG, LLP.

Jolly passed the Certified Public Accountant examination on her first attempt in 1986. She obtained a Bachelor of Science in Accounting magna cum laude, from the University of Maryland, College Park in 1985 and is a member of the Beta Alpha Psi honorary accounting fraternity. 

Mary Smith, Controller

Mary Smith


Mary joined Homes for America in November 2017 as the Controller.  She comes with significant real estate experience most recently with a for profit land developer in northern Virginia where she was the Accounting Manager for 12 years responsible for accounts payable, draw requests, cash reconciliations, and budget preparation and monitoring. Prior to that she worked as a sole proprietor performing accounting services to various businesses including not for profit clients. She also worked in public accounting for KPMG, LLP for 4 years as a tax manager working on all aspects of tax preparation and planning for a variety of clients.

Mary obtained a Bachelor of Science in Accounting, from the Virginia Polytechnic Institute and State University in Blacksburg, Virginia in 1981 and is a Certified Public Accountant. 

Jennifer Brown, Finance and HR Coordinator

Jennifer Brown

Finance and HR Coordinator

Jenni has five years experience in the affordable housing field and twelve years experience with nonprofit organizations. She became HFA’s Office Manager in 2007. In addition to managing HFA’s offices and human resources activities she assists with the organization’s accounting. She has significant experience in nonprofit administration having served for four years with Girl Scouts of the USA and three years with the National Audubon Society. Jenni started her career as a Biological Science Aide at the U.S. National Arboretum. Immediately prior to joining HFA she was a Project Coordinator for the Gill Group, Inc. and coordinated kitchen installation projects. Jenni has a BS in Biology from Salisbury State University.

Housing Development

Diane Clyde, Executive Vice President of Real Estate Development

Diane Clyde

Executive Vice President of Real Estate Development

Diane has over 30 years of housing experience in both development finance and asset management, joining HFA in 2010. Prior to HFA, Diane spent 13 years in the Multifamily Housing Programs of Maryland Department of Housing and Community Development (DHCD), serving as the Deputy Director of Underwriting and Origination; Program Manager responsible for lending and supervising a team of underwriters and construction administrators; and Senior Development Officer responsible for evaluating and processing loans for multifamily rental developments. She also worked for DHCD as an Asset Management Officer overseeing the State’s multifamily housing portfolio. Diane is a member of the Maryland Affordable Housing Coalition Program Committee and serves as the Chair of the Qualified Allocation Plan Review Committee and is a member of the Housing Partnership Equity Trust technical advisory committee. Diane has an Associates of Art Degree from Anne Arundel Community College in Business and Public Administration. She has a Certification of Housing Development Finance by National Development Council, and has completed the University of Maryland Housing Finance Course.

Diana Talios, Development Director

Diana Talios

Development Director

Diana joined HFA in July 2016 as Development Director, having worked in the affordable housing industry since 2000.  Prior to HFA, Diana worked for two years at the US Department of Housing and Urban Development (HUD) Multifamily Production headquarters office, most recently as Director of Program Administration.  Prior to HUD, Diana was with the Maryland Department of Housing and Community Development (DHCD) for 13 years in Multifamily and Single Family Housing Programs.  She served as Senior Team Leader in Multifamily Housing, with responsibility for mortgage underwriting, finance, and construction oversight.  She also worked as Rental Preservation Manager and Senior Housing Development Officer.  Before joining DHCD, Diana worked for Arundel Community Development Services.  Prior to 1998, she worked in the mortgage banking industry in Richmond, Virginia.  Diana holds a Master of Community Planning with a concentration in Growth Management and Environmental Planning from the University of Maryland.  

Stephen J. Moore, Development Director

Stephen J. Moore

Development Director

Stephen grew up in Harford County, Maryland to wonderful parents and with two siblings.  He attended the University of Maryland College Park and in between his freshman and sophomore year began work for The Stavrou Companies in order to pay for the remaining college tuition.  He began as a construction laborer for Stavrou Construction and Assistant Project Developer for Stavrou Development, and worked nearly full time while attending College Park with a full schedule each semester.  He quickly excelled in the organization and became Vice President of the development and construction companies and oversaw the day to day operations, while at one time managing over 80 employees, and creating new development opportunities. 

In the Fall of 2013 Steve created Foundation Development Group.  Foundation Development Group focuses on developing multi family, senior, townhome and single family home communities.  His role encompassed all aspects of the development, construction, ownership and asset management process.

Stephen is active in the Maryland Affordable Housing Coalition as a member of the Development Committee and Legislative Committee and was Chair of the Anne Arundel Affordable Housing Coalition.  Stephen has four beautiful children and currently lives in Arnold, Anne Arundel County, Maryland. 

David Blalock, Construction Manager

David Blalock

Construction Manager

David has worked in the commercial and multifamily construction industry for over 25 years.  Before joining Homes For America, David worked for Building Consultants in Baltimore, where his responsibilities included preconstruction design and cost reviews for FHA-insured and tax-credit funded multifamily development projects, and project management services for ongoing construction projects including contract administration, scheduling, requisition reviews and regulatory compliance.  Prior to that he worked as a Project Manager for Southway Builders and Riparius Construction.

David is currently a board member of The Loading Dock in Baltimore City and has served on the board of the Broadmead Retirement Community.   David obtained a BA in Geology, from Denison University in Granville, Ohio.

Vicky Grim, Development and Construction Coordinator

Vicky Grim

Development and Construction Coordinator

Vicky has over 20 years of experience in housing finance and program management.  Prior to HFA, Vicky worked in state government at the Maryland Department of Housing and Community Development (DHCD) in professional and managerial positions. Vicky was the Deputy Director of DHCD’s Single Family Housing Programs where she assisted with the oversight of the state’s homeownership programs, as well as the Maryland Affordable Housing Trust.  Vicky’s career with DHCD also included managing the federal HOME Investment Partnerships Program and the Transitional Housing Grant Program. Vicky also served for several years as the Operations Manager for a national technical assistance and training provider that delivered services and training related to affordable housing and community development programs.  Vicky has an Associate of Arts Degree from Anne Arundel Community College.

Nicholas Beard, Development Coordinator

Nicholas Beard

Development Coordinator

Nick has worked in the housing development and finance industry for 15 years. Before joining Homes for America in 2005, Nick worked in the residential mortgage industry as an underwriting assistant and a Funding Team Leader at Principal Residential Mortgage where he managed a staff responsible for the compliance of funding packages and developed and implemented training guide programs for employees and customers. Nick is a 1997 graduate of Salisbury State University with a BA in Psychology.

Asset Management

Frank Fudala, Vice President of Portfolio Management

Frank Fudala

Vice President of Portfolio Management

Frank Fudala joined HFA in January 2017 as the organization’s Vice President of Portfolio Management.  Frank has over fifteen years of experience in the affordable housing industry.  Prior to joining HFA, Frank served in a variety of asset and property management capacities at Enterprise Community Investment, Bank of America and Habitat America.  Frank is a Certified Property Manager (CPM) through the Institute of Real Estate Management (IREM), a Certified Credit Compliance Professional (CP3) for Low Income Housing Tax Credits through SPECTRUM and a Certified REAC Inspector through American Property Consultants, Inc.  Frank earned his Bachelor of Science in Marketing from St. Joseph’s University in Philadelphia, PA and his MBA (with a concentration in Management) from the University of Baltimore in Baltimore, MD.

Douglas Smith, Chief Asset Manager

Douglas Smith

Chief Asset Manager

Doug has been involved in the affordable housing field with construction, development, asset management and operations for over 30 years. Doug joined HFA in February 2002 as the organization’s Chief Asset Manager. Prior to joining HFA, Doug served in a variety of positions at Neighborhood Rental Services of Baltimore (NRS) for 22 years, including Development Planning Manager/Construction Manager. Prior to NRS, he was a Capital Project Management Consultant for Mutual Housing Association of Baltimore; Construction Superintendent for Beck Enterprises; and Estimator for Interstate Bridge Corporation. Doug has served as a consultant to DMIG, Enterprise Social Investment Corporation, Our Lady of Victory School and Maryland Department of Housing and Community Development. He is a founding Board Member of Light Street Housing Corporation and served on the board of NRS of Baltimore. Doug has a BA in Management from National Louis University of Illinois and an MBA, with a specialization in Finance and Real Estate, from the University of Baltimore. He has a Diploma in Architectural/Mechanical design from the Maryland Institute College of Art and Design and is an Accredited Business Accountant, Member of the Construction Specification Institute, and Member of the Building Officials and Code Administrators.

Danielle England, Portfolio Manager

Danielle England

Portfolio Manager

Danielle joined HFA in 2018 as Portfolio Manager. She previously worked for the Maryland Department of Housing and Community Development as Senior Energy Management Officer. In this position, she oversaw a number of energy grant programs and assisted in developing program policies and procedures. Danielle also a strong background in loan underwriting and processing in her previous positions with the State housing agency, as well as a private banking firm. Danielle holds a Bachelor’s Degree from University of Maryland University College with a concentration in Finance and Human Resources and an Associate’s Degree from Anne Arundel Community College with a concentration in Business Management.  

Ellie Willett, Portfolio Manager

Ellie Willett

Portfolio Manager

Ellie Willett joined HFA in January 2019 as a Portfolio Manager. Prior to joining she managed an HFA Community for many years. She brings 12 years of experience in the Affordable Housing Industry. Ellie holds Tax Credit Certification (TACCs) and Certified Occupancy Specialist (COS) Certification from the National Center of Housing Management. She is also a Licensed Real Estate Agent through (MREC) and has 15 years’ experience as a Real Estate Agent and is a member of the Maryland Affordable Housing Coalition.

Francis Nenwola, Portfolio Management Coordinator

Francis Nenwola

Portfolio Management Coordinator

Francis joined HFA in July 2015 as an Asset Management Coordinator.  He became interested in affordable housing and gained asset management experience as a part time Asset Management Associate during an internship with Victory Housing.  He has been a shift manager at Einstein Bros Bagels since 2007 and from 2008 to 2011 was a part time Math Tutor and Library Assistant at Montgomery College. 

Francis received a Bachelors in Finance from University of Maryland College Park in 2011 and a Masters in Finance from the same institution in May 2013.

Jennifer Crawford Cook, Portfolio Management Data Coordinator

Jennifer Crawford Cook

Portfolio Management Data Coordinator

Jennifer almost 20 years of housing experience, all with HFA which she joined as one of the first employees in 1995. She started as the Administrative Assistant, then Office Manager, and Homeownership Development Assistant. Jennifer became Manager of HFA’s Homeownership Program with responsibility for oversight of homeownership properties from acquisition through resale. She currently serves as an Asset Manager responsible for all data management and reporting for the rental housing portfolio, working part time from home while raising four young children. Jennifer is a graduate of the University of Maryland, Baltimore County with a BA in Psychology.

Resident Services

Julie McCabe, Director of Resident Service Programs

Julie McCabe

Director of Resident Service Programs

Julie has been with HFA since 2004 managing the resident service programs. Julie has over 12 years of experience with both housing and resident services. Julie started her career in housing as a case manager for HRDC’s Homeless services then became the Director of Housing for the Cumberland, MD. YMCA. She also managed two senior HFA communities prior to joining HFA. Julie serves on the board for New Beginnings, is a member of both the Maryland Affordable Housing Coalition and the American Association of Service Coordinators. Julie has a BA in Social Work from Frostburg State University.

Cathy Wallick, Regional Manager of Resident Service Programs

Cathy Wallick

Regional Manager of Resident Service Programs

Cathy joined HFA in 2004. Cathy is an experienced social worker with 30 years in the field. She was a Mental Health Intensive Case Manager for seven years with York County Mental Health, a social worker for Paxton Ministries, Harrisburg for four years, and director of Christian education in the Lancaster area for three years. She has six years of experience with various organizations as activity director with youth programs and worked in Haiti development for four years. Cathy serves on the Board of Directors and volunteers with several local non-profit organizations, including Shippensburg Produce and Outreach and Shippensburg Hearts for Haiti. Cathy has a BA from Lancaster Bible College and an MA from Winebrenner Theological Seminary. Currently she is working on a Certification in Elder Service Coordination from California University of Pennsylvania.

Administration and Marketing

Kenyaetta Bush, Marketing and Administrative Coordinator

Kenyaetta Bush

Marketing and Administrative Coordinator

Kenyaetta has a fourteen year career as a meeting and event planner working in the public and private sector and with nonprofit and for profit companies.  She joined HFA in September 2014 in the newly created position of Marketing and Administrative Coordinator.  She is responsible for a wide variety of administrative and marketing functions related to the efficient operation and daily business of the organization, promoting the organization, and organizing meetings and functions.  Prior to joining HFA she worked at the Maryland Department of Housing and Community Development, International Masonry Institute, International Oncology Network, Home Builders Association of Maryland and Maritime Institute. 


Kenyaetta is a graduate of The Catholic University of America with a BA in English.  She has the designation of Certified Meeting Professional (CMP) from the Convention Industry Council.