Board of Directors

Our Board Leadership

Chair – Clemente Mojica

Clemente is the President and Chief Executive Officer of Neighborhood Partnership Housing Services, a CDFI and social enterprise serving Southern California.  He is a community and economic development executive with over sixteen years of experience in housing policy, community revitalization and affordable housing development. In addition to his role as CEO at NPHS, Clemente sits on the Board of the Southern California Association of Non-Profit Housing (SCANPH), an organization that facilitates affordable housing development across Southern California by advancing effective public policies, sustainable financial resources, strong member organizations and beneficial partnerships.

Vice Chair and Founding Board Member – Yamila Ayad

Yamila is a Mortgage Banker and Diverse Markets leader.  She works with Best Capital Funding on affordable lending initiatives.  Yamila is a long time a community advocate for homeownership.  She is one of our Founding Board Members and has provided leadership to the organization since 2005.   Yamila has been a driving force behind many of our successful homeownership events that served tens of thousands of people.   Yamila is a mortgage-banking leader.  She remains active as an originator giving her an understanding of the nuanced needs of consumers.  Yamila is also a passionate community leader who actively uses board roles to influence and educate others on the needs of the Latino community and public policy and business practices that promote and foster home ownership for working families. Yamila has also served on the San Diego Foundation Board, the National Association of Hispanic Real Estate Professionals.

Director – Steve O’Connor

Steve is Senior Vice-President of Public Policy and Industry Relations at the Mortgage Bankers Association (MBA).  He manages MBA’s residential policy process for legislative, regulatory, and industry issues.  Steve directs MBA’s regulatory advocacy efforts. He is also responsible for outreach to industry groups, consumer organizations, and other key stakeholders.  O’Connor is a regular guest speaker on industry issues. Steve leads MBA’s Consumer Affairs Advisory Council.  He also serves on a number of industry boards, including the National Housing Conference, the National Association of Hispanic Real Estate Professionals, Freddie Mac’s Affordable Housing Advisory Council, and the National Urban League’s Business Solutions Council.  Steve has a special interest in affordable housing.

Director – Sara Morgan

Sara is Chief Operating Officer of Fahe, the nation’s premier rural CDFI located in Kentucky and serving over 17 states. She has worked for over 25 years to improve the economic strength of Appalachia. She is an expert in financing housing, infrastructure, community facilities, nonprofits, and community development. Sara oversees Fahe’s Loan Servicing division where she manages Fahe owned loans and over 30 investors.  Sara’s work at Fahe includes leading the organization to become the first nonprofit in the country approved to launch a Regional Broker Network and to become a USDA 502 Direct Intermediary. 

Incoming Board of Directors Member in 2020 – Alanna McCargo

Alanna is Vice-President for Housing Finance Policy at the Urban Institute, a nonprofit research organization.  Alanna’s work focuses on management, development, and strategy for the Housing Finance Policy Center, including the cultivation of innovative partnerships within Urban and with external stakeholders.  Alanna has over 20 years of experience in housing finance, policy, and financial services. She has worked in the private, public, and nonprofit sectors on programs, policies, and research to improve access to housing and mortgage finance. Before joining Urban Institute, Alanna was head of CoreLogic Government Solutions, working with federal and state government agencies, regulators, government-sponsored enterprises, think tanks, and universities to deliver custom data, analytics, and technology solutions to support housing and consumer policy research. Previously, Alanna held leadership roles with Chase and Fannie Mae, managing portfolios, policy efforts, and mortgage servicing transformation and alignment. From 2008 to 2011, she was an agent of the US Treasury Department on housing programs, such as Making Home Affordable and Hardest Hit Funds, working with industry stakeholders on the recovery. Alanna has a passion for helping underserved populations with financial literacy, economic stability, and housing security.

President & CEO – Gabe del Rio, AMP 

Gabe is the President and CEO of Homeownership Council of America.  Under HCA’s corporate bylaws, the President/CEO serves on the Board of Directors recusing himself from voting when appropriate. Gabe has a deep knowledge of affordable finance, mortgage banking, and innovative homeownership services.  Prior to joining HCA, Gabe was the President of Springboard CDFI and the Nationwide Mortgage Collaborative, where he created the first national CDFI mortgage bank. Before that Gabe served as COO for Community Housing Works and spent years as a professional trainer NeighborWorks America. Gabe started his career as a home builder later moving into home lending before finding mission work in housing and homeownership. He has served on and chaired numerous boards, advisory boards, and committees.  Gabe currently serves on the Mortgage Bankers Association Consumer Affairs Advisory Council and the Small Loans Task Force.  He also serves as a judge for the annual Diversity and Inclusion Awards.

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