Cathy Mercado

Executive Director
After completing our home buyer training workshops and purchasing her first home, Cathy joined our staff nine years ago. She also has experience working as a mortgage loan originator.

Naffie Collins

Executive Administrative Assistant
Naffie recently moved to Lowell from Vermont. She earned an MS in business management after graduating from Merrimack College with a B.A. in communication. Naffie joined our staff in October 2022.

Jennifer Phengdara

Home Buyer Counselor
Jennifer has a professional financial history in residential mortgage lending from local community banks and national mortgage companies, helping an extensive variety of homebuyers into their first homes. With a background in Affordable Housing, she is well-versed in program options for many types of buyers and has a passion for first-generation homeownership. When she is not working, she enjoys all things travel and is a self-proclaimed foodie.