Our Team

President & CEO; Gabe del Rio, AMP

  • gdr@homeownershipcouncil.org
  • (202) 599-8450 x700

Gabe del Rio, AMP provides leadership and vision for the Homeownership Council of America and the field; collaborating with lending CDFIs, HUD approved housing counseling agencies, and secondary market investors interested in affordable products & underserved communities. Prior to HOC, Gabe was the President of Springboard CDFI and the Nationwide Mortgage Collaborative, building the first national CDFI mortgage bank with partnerships, licensing, capital, and products across 20 states and growing. NMC is the largest scale hub & spoke model of a lending hub working with HUD approved housing counseling agencies who package loans and work ona fee for service basis with the collaborative. Before Springboard, Gabe was the COO for Community HousingWorks, and helped lead the transition of the CDFI to a national platform for scaled expansion. In his time at CHW – a NeighborWorks organization, he helped double the organization in size & impact, and created an integrated service model that has been one of the most productive and innovative in the country. Before that, Gabe was a licensed CA Contractor and partner in a Sustainable Design/Build Firm as well as working in the for-profit mortgage lending business both as a Direct Lender and as a Broker.Gabe has deep experience in board service and national initiatives; currently as Chairman of MUFG-Union Bank’s Community Advisory Board, and on the MBA Consumer Affairs Advisory Council, as well as holding a board seat for HCA. Previously, Gabe served on & helped found the national HomeOwnership Center Advisory Committee for NeighborWorks America, generated the NMC model with Ford Foundation’s support in creating a national leadership council of CDFIs, which laid the groundwork for the Hub & Spoke models forming across the country today. Gabe was also a Director with San Diego Capital Collaborative, served two terms as Board President of Rebuilding Together, and served on Core Logic’s Credit Counsel. Gabe regularly participates in committees, roundtables and meetings that work with both private and non-profit sector organizations to collaborate in better serving populations left out of traditional asset building opportunities, especially homeownership. Gabe also trained hundreds of community development professionals as an instructor for NeighborWorks America for 7 years, while at CHW, and still provides regular national and regional webinars and in-person training & networking events for the industry in partnership with sponsors and collaborating homeownership providers.

Gabe has a bachelor’s degree from James Madison University in Psychology and Biology, with a minor in Art, was educated by the Mortgage Bankers Association, graduating the School of Mortgage Banking as an Accredited Mortgage Professional (AMP), and attended the Harvard Kennedy School of Government’s Executive Program; Achieving Excellence in Community Development.

Chief Operating Officer;
Lupe Hernandez

  • lupe@homeownershipcouncil.org
  • (949) 258-8475 x705

Lupe has been in banking, lending, and homeownership services for over 30 years, starting her career in community banking, later moving into nonprofit leadership from local to national organizations. Lupe brings a wealth of knowledge and experience in reaching and serving economically disadvantaged communities, from direct services to professional capacity building & training. Lupe provides direct oversight for HCA’s programs & operations; supporting our National Leadership Advisory Council, coordinating professional and public-facing partner-highlight events across the country, and ensures that our investor and nonprofit clients receive the very best service.

Her primary responsibility is to enhance the internal organization processes and infrastructure that will allow HCA to continue to grow and fulfill its mission. As COO Lupe oversees the organization’s partnership & contract management, human resources, grant management, and internal operations.  Lupe collaborates with the Chief Executive Officer on strategic planning, fundraising development, services for and with our partners, thought leadership and financial growth plans. Lupe ensures that HCA provides the best possible technical assistance to CDFIs and non-profit lenders, building capacity and new delivery systems in targeted low-to-moderate income regions.  Additionally, Lupe organizes HCA events, webinars, training and convenings for industry professionals.

Her previous employment as VP of Community Development at Springboard CDFI, A.K.A. Nationwide Mortgage Collaborative she was responsible for design, implementation, and monitoring of member on-board services and its quality such as application procedures, contract due diligence, private label technology implementation and staff training for the Nationwide Mortgage Collaborative, NMC. Other responsibilities are: the promotion of the NMC platform and services among national industry partners through speaking on panels, conferences and managing exhibitor booths focusing on engaging with HUD approved agencies, counseling providers, CDFI’s and credit unions;  engagement with the design of an iterative process that relies on both work experience and valuable field level feedback from partners;  management of all the NMC approved partners and provide technical assistance to ensure that NMC partners are meeting productivity goals, overcoming challenges, and continuously growing their local market share and impact; assisting NMC partners in the development and implementation of marketing plans, marketing flyers and monthly training webinars.  Lastly, accountability for reporting on sales progress, pipeline status and attainment of goals on a weekly and monthly basis.

Prior to joining Springboard CDFI & NMC, Lupe was a Homeownership Management Consultant for NeighborWorks America, Pacific Region for the past 11 years. In her time she nurtured and mentored the HomeOwnership Centers in the Western Region, helping the group achieve the highest productivity in the national network. Lupe served as the Convener for the NeighborWorks America Homeownership Specialty Team for 9 years. In Orange County, Lupe has served on several boards; as a founding board member of the National Association of Hispanic Realtor Professionals of the Orange County Chapter, previously as a board member with United Way Advisory Committee Somos Familia and a member of National Council of La Raza.  Lupe has successfully conducted various relevant trainings and seminars for HomeOwnership Center Managers for many years and has deep insights into the challenges and opportunities of local HUD Approved service providers and CDFIs. Lupe served as the coordinator of technical assistance and initiatives for NeighborWorks affiliates at the local, state, and national levels.  Lupe’s responsibilities in lending included the review of revolving loan capital grant requests, full cycle lending, CDFI technical assistance, loan servicing and lending compliance local state and federal.  Lupe is passionate about helping the organizations serve the underserved communities, preserve homeownership, providing advocacy for low-mod and minority neighborhoods.  

Prior to that, Lupe was the Home Ownership Director of NeighborWorks of Orange County.  Under her leadership and direction, NHS of O.C. ranked nationally in the top 5% of loan production in the network in a 5 year National Campaign for Home Ownership.  Before coming to NeighborWorks of OC Lupe was a licensed Mortgage Broker and partner in a Mortgage Brokerage as well as working in the for-profit mortgage lending business both as a direct lender and as a broker. Lupe has her Real Estate License and has begun her accreditation tract with the Mortgage Bankers Association.  Lupe successfully completed a 2 Year Banking Certificate Program from the University of San Diego and a variety of other continuing education topics. 

Director of Grants & Administration, Jennifer Murphy

Grant Writing, Whitepapers, Research, and Communications along with Implementation of a HCA Programs & Services

Associate; John Obrien

Grant Applications, Administration, and Corporate/Board Support

Systems & Events Associate; Cruz Peinado

IT Systems, Administration, and Event Delivery Support






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