For more than 40 years, the California Housing Finance Agency (CalHFA) has supported the needs of renters and homebuyers by providing financing and programs so more low to moderate income Californians have a place to call home. Established in 1975, CalHFA was chartered as the state's affordable housing lender. The Agency's Multifamily Division finances affordable rental housing through partnerships with jurisdictions, developers and more, while its Single Family Division provides first mortgage loans and down payment assistance to first-time homebuyers. CalHFA is a completely self-supporting state agency, and its operations are paid by revenues generated through lending activity, not taxpayer dollars.
As circumstances from COVID-19 continue to evolve, CalHFA’s priority is ensuring the health and safety of our employees, customers, and business partners while continuing to fulfill our mission of helping Californians find a place to call home. For more information on how CalHFA is responding to COVID-19, please visit our dedicated COVID-19 information page.
- Our Senior Staff
- Board of Directors
Tiena Johnson Hall
Executive Director since August 2021, appointed by Governor Gavin Newsom. M.B.A. University of Redlands. Previously: Senior Vice President and Manager of Community Development Finance, BBVA (2014-2021); Vice President and Community Development Manager, Bank of the West (2014); Senior VP and Relationship Manager, U.S. Bank (2005-2014); Director of Housing, Major Projects Division of the Los Angeles Housing and Investment Department (2004-2005); Senior VP and Regional Manager, Bank of America Community Lending (1997-2003); Finance Development Manager, Major Projects Division of the Los Angeles Housing and Investment Department (1995-1997); Project Manager, Abode Communities (1991-1994). Councils: California Interagency Council on Homelessness (2021 to present).
Chief Deputy Director since February 2015. B.A. University of California, Davis. Previously: Director of Finance at the Sacramento Housing and Redevelopment Agency (SHRA) (2007-2015); Finance Manager, SHRA (1998-2007); Senior Internal Auditor, First Union Bank-TMS (1995-1998); Inventory Control Auditor, Nissan Motor Acceptance Corp. (1994-1995); Underwriter, American Portfolio Services, Inc. (1993-1994). He earned the Certified Internal Auditor and Certified Financial Services Auditor designations in 1998, and he became a licensed real estate broker in 2006. Councils: California Homeless Coordinating and Financing Council (2017-2021); Fannie Mae Rural Duty to Serve Advisory Council (2018-2020).
Francesc R. Martí
Director of Policy, Strategy and Legislative Affairs since November 2018. M.P.A, New York University. Previously: Assistant Commissioner for Government Affairs, New York City Department of Housing Preservation and Development (2016-2018); Finance Director, New York State Senate (2013-2016); Supervising Analyst, New York City Mayor’s Office of Management and Budget (2008-2013).
Director of Multifamily Programs since May 2019. M.B.A. Thunderbird School of Global Management. Previously: Credit Administration and Underwriting Manager for Commercial Real Estate-Affordable Housing, BBVA Compass Bank (2016-2018); Senior Vice President and Regional Manager for Commercial Real Estate-Community Lending Division, U.S. Bank (2010-2014); Vice President and Portfolio Risk Manager for Commercial Real Estate – Colorado Market, U.S. Bank (2008-2010); Vice President and Credit Department Manager, Colorado Business Bank (2006-2008); Director of Portfolio Risk Management, Mercy Housing (2004-2006); Director of Underwriting, Mercy Housing (2003-2004); Vice President-Community Development Division, Bank of America (1994-1999); Vice President-Special Assets Division, Bank of America (1992-1994); Assistant Vice President-Commercial Real Estate, Bank of America (1989-1992); Senior Account Officer-Commercial Real Estate, Scotia Bank (1987-1989).
General Counsel since July 2018. J.D. University of the Pacific, McGeorge School of Law. Previously: Assistant General Counsel (2017-2018); Attorney III, CalHFA (2007-2017); Associate Attorney, Stockdale Law Firm (2006 to 2007); Associate Broker, Realty World-Point Richmond (2002 to 2005); Attorney in Civil Litigation, McNamara, Dodge, Ney, Beatty, Slattery, Borges and Ambacher LLP (2002 to 2003).
Director of Enterprise Risk Management and Compliance since October 2020. Ed.D. University of the Pacific, M.A Gonzaga University. Previously: Director of Innovation, State Fund (2019-2020); Enterprise Risk Manager, CalPERS (2015-2019); Management and Organizational Planning Consultant, and IT Personnel Analyst (2010-2015); Teller Operations Specialist, Bank of America (2004-2010).
Director of Administration since August 2017. B.A., California State University, Sacramento. Previously: Consultant (2017); Director of Human Resources and Administrative Services, Pacific Municipal Consultants (2000-2016); Office Manager, Interface Engineering (1993-2000).
Director of Business Development and Stakeholder Relations since September 2021. M.A., California State University, Sacramento. Previously: Principal, Economic and Planning Systems Inc. (2005-2019); Policy Analyst and Legislative Coordinator, United Domestic Workers of America (2004-2005).
Comptroller since June 2022, B.S., Plekhanov Russian University of Economics, Moscow, Russia. Previously: Deputy Comptroller, CalHFA (2016–2022); Accounting Administrator II, CalHFA (2010-2016); Accounting Administrator I (Supervisor), CalHFA (2007-2010); various accounting positions for CalHFA (1999-2007); Office Manager, Better Homes Realty North Valley Brokers (1996-1999).
Erwin J. Tam
Director of Financing since September 2021. B.A., University of California, Berkeley. Previously: Senior Vice President, Backstrom McCarley Berry & Co. LLC (2020); Vice President, KNN Public Finance (2014-2020); Vice President and Senior Vice President, Backstrom McCarley Berry & Co. LLC (2009-2014); Associate, RBC Capital Markets (2008); Associate, Bear, Stearns & Co. Inc. (2005-2007).
Chief Information Officer since May 2019. B.S., Information Systems Security, A.S. Computer Network Systems ITT Tech, Rancho Cordova, Previously: Chief Information Security Officer, CalHFA (2013 - 2019); Systems Analyst – VoIP Engineer, CalHFA (2010-2013); Support Engineer, Sundt Construction (2006 – 2010); Home Improvement and Operations Management, Sears (2003 – 2006).
Director of Marketing & Communications since October 2016. A.S., Computer Science. Previously: Marketing Communications Manager, CalHFA (2015-2016); Website Manager/Digital Marketing Manager, CalHFA (2002-2015); Help Desk Specialist, CalHFA (2001-2002); Technical Support Manager, iMotors.com (2000-2001), Y2K Technician (Consultant), Sutter Health (1999-2000), Support Manager, Walmart (1992-1997).