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Meet the team

Robyn Bipes-Timm.

Robyn Bipes-Timm
President, TCHFH Lending Inc.

NMLS 1486469

Robyn Bipes-Timm is President of Habitat’s wholly-owned nonprofit lending subsidiary, TCHFH Lending, Inc. and Chief Operations Officer of Twin Cities Habitat for Humanity. She oversees Habitat’s mortgage lending, human resources and facilities, and programs & services including Homeownership, A Brush with Kindness, Age in Place, Foreclosure Prevention, and Neighborhood Revitalization. Prior to Habitat, Robyn was with Greater Minnesota Housing Fund (another local CDFI) for nearly a decade where she led its affordable housing programs and lending for rental housing and homeownership in rural and outstate Minnesota. She currently serves as the Board President of the Minnesota Home Ownership Center and is co-founder of the Minnesota CDFI Coalition. She earned her BA from Lewis & Clark College in Portland, Oregon, and holds a Masters in Public Policy (MPP) from the University of Minnesota’s Humphrey Institute of Public Affairs. She is a licensed mortgage broker and realtor and lives in south Minneapolis with her husband.

Betsy Mills.

Betsy Mills
Director of Lending

NMLS 847727

Betsy leads the lending team responsible for delivering and servicing an affordable mortgage product, helping to make homeownership possible for many low-and-moderate income families in our community. Prior to joining Habitat in 2013, she worked in the banking industry. Betsy holds a BA in Accounting and Business Administration from Concordia College in Moorhead and her MN Mortgage Originators licensure. She lives in Inver Grove Heights with her husband.


Maureen Holman.

Maureen Holman
Senior Community Loan Officer

NMLS 400794

As the Senior Community Loan Officer for TCHFH Lending, Inc., Maureen engages with all homebuyers for mortgage application through closing, informing them of our affordable first mortgage product.  Prior to joining Habitat in the fall of 2016, Maureen worked for several mortgage lenders in the Twin Cities metro area over her 30-year history of working in the mortgage industry.  She holds a BA in Communications from the University of Minnesota and her MN Mortgage Originators license.  She lives in White Bear Lake with her husband, and has three adult children who attend college.

Bethany Nagan.

Bethany Nagan
Mortgage Portfolio Manager

NMLS 1676395

Bethany has been with Twin Cities Habitat since March of 2017 and brings five years of mortgage industry experience. Bethany manages the portfolios of mortgages for Twin Cities Habitat for Humanity and TCHFH Lending, Inc. after origination through the life of the loan. She works directly with homeowners regarding their mortgage for any issues or needs that arise.  Bethany received her BS in International Economics and BA in Finance and French Language Studies from the University of St. Thomas. When not working, Bethany enjoys sunshine, water, and traveling the world.


Dao Cheng.

Dao Cheng
Mortgage Lending Processor

As Mortgage Lending Processor, Dao works with homebuyers to process the necessary documentation for closing and other steps in the homebuying journey. Dao graduated from St. Catherine’s University with a B.S. in Mathematics and has an interest in Asian history and culture. Dao is going back to school in Fall 2018 for a Master’s in Data Science. She has taught in South Korea and at Hopkins Junior High and previously worked at Wells Fargo and Bell Bank.

Tori Quittem.

Tori Quittem
Executive Associate

Tori joined Twin Cities Habitat in January 2018. She provides administrative support to the President of TCHFH Lending, Inc. and works directly with the board and Advisory Council. Prior to Habitat, Tori worked in the non-profit space with a focus on youth-development. She developed her administrative skills at a year-round camp, an asset-based research organization, and a community development organization, just to name a few. Her BA is in Reconciliation Studies from Bethel University, St. Paul. She lives in Minneapolis with her husband. She loves quiet nights at home with her knitting.

Jen LaCroix.

Jen LaCroix
Community Loan Officer

NMLS 175499

Jen started with Habitat in January 2018 and brings 20+ years of lending experience. Prior to Habitat, Jen worked with local lenders in Minnesota specializing in renovation and reverse financing. She enjoys helping first-time homebuyers make their dream of homeownership a reality. Jen leads the Realtor outreach team at Habitat, working with local Realtors and community groups to educate and support their efforts to help more first-time homebuyers. Jen lives in Apple Valley with her husband and two daughters and travels often to visit her son who serves proudly in the US Air Force.

Terri Starks.

Terri Starks
Mortgage Loan Processor 

Terri is a mortgage loan processor and works with homebuyers collecting essential documentation for closing moving forward towards homeownership. Terri is in school completing her Bachelors in Business Management taking online classes at Eastern Gateway College and expects to further her education in Business to a MBA. Terri is also a Scheduling Coordinator of 9 years in the Interpreter Services Department at Hennepin Healthcare.

Jesse Lindsey.

Jesse Lindsey
Homeownership Preservation Assistant

Jesse is a HUD-Certified Housing Counselor and came to Habitat after earning his Master’s degree in Technical Communication from Metropolitan State University. Jesse provides vital support to TCHFH Lending Inc.’s Mortgage Portfolio Manager and performs an abundance of duties including but not limited to, being the first point of contact for homeowners experiencing financial hardships and having difficulties making timely mortgage payments. He helps homeowners with resources to prevent, reduce, and cure delinquency and communicates with sub-servicers on behalf of TCHFH Lending Inc. and Habitat homeowners. In addition to his duties with TCHFH Lending Inc., Jesse is a Mortgage Foreclosure Prevention Counselor providing counseling to none Habitat homeowners in the 7 county metro area.

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