Robyn Bipes-Timm
Chief Strategy and Operations Officer
President, TCHFH Lending Inc.
NMLS 1486469

Robyn Bipes-Timm, as Chief Strategy and Operations Officer, leads Habitat’s strategic plans and special initiatives and aligns strategy with effective operations in finance, lending, people and culture, technology, and retail. She is President of Habitat’s nonprofit CDFI, TCHFH Lending, Inc. Prior to Habitat, Robyn led statewide affordable rental and homeownership programs, financing, and lending at other CDFIs. Robyn is passionate about affordable housing and creative ways to bring equitable access to communities. She has a master’s degree in public policy from the Humphrey School, is a CDFI graduate of the Wharton School of Business, and holds MN mortgage originator and realtor licenses. She is on several boards and national housing groups, is co-creator of the Minnesota CDFI Coalition, and is outdoors whenever possible with her husband Jeff, young daughter Luci, and dog Tipsy.

Betsy Mills
VP of Finance and 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.

Bethany Nagan
Director of Lending
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.

Maureen Holman
Mortgage Origination Manager
NMLS 400794

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.

Jen LaCroix
Open Market Lending Manager
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.

Fernanda De La Torre
Down Payment Assistance Program Manager

Fernanda De La Torre is the Down Payment Assistance Program Manager with TCHFH Lending, Inc. In her role, she works closely with local CDFIs and lenders and focuses on creating effective and efficient processes for the DPA programs. Her background lies in evaluation research, program management, and refugee resettlement. Fernanda received her undergraduate degree in International & Environmental studies from UW-Madison and her master's degree in Social Policy from Brandeis University. When not working, Fernanda enjoys spending her time traveling, being with family/friends, cooking or trying new foods, and staying active outside.

Bay Yang
Loss Mitigation Specialist

Bay (Amphone) has been with TCHFH Lending, Inc. as the Loss Mitigation Specialist since October 2023. Bay has a background in mortgages as a loss mitigation, origination, compliance, and quality assurance. Bay’s primary responsibility of the Loss Mitigation Specialist is to support and work with homeowners who are experiencing hardship with their Habitat mortgage. She enjoys international travel, cuisine, and culture in addition to trying out new recipes.

Brooke Buchanan
Mortgage Servicing Coordinator

Brooke has been with TCHFH Lending, Inc. as the Mortgage Servicing Coordinator since December 2021. Brooke has a background in nonprofits as a Program Administrator, in mortgage as a Loan Processor, and in construction as an Estimating Assistant. Brooke provides support to TCHFH Lending, Inc.’s Mortgage Portfolio Manager and is the first point of contact for homeowners who need help in navigating their mortgage. She enjoys working with the community and in mortgage, and is happy to have found a team that does both. When not working, Brooke enjoys baking, traveling, and spending time with her family.

Dao Cheng
Lead Mortgage 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.

Steven Stinson
Community Loan Officer
NMLS 2190361

Steven is a Loan Officer with TCHFH Lending, Inc. and helps manage relationships with Agents/Brokers through our Realtor Connect social networks. He brings with him a unique set of skills and a passion for building equitable communities. He joins the team from Wells Fargo, where he was a Home Mortgage Consultant helping families from all walks of life purchase or refinance their homes. Steven has been a small business owner, worked in local politics doing outreach, and has managed a city council campaign for Ward 3 in Minneapolis. Through his many endeavors there is one thing at the center of everything he’s done, and that’s community. Steven is looking forward to building relationships with potential homebuyers and partnering with Realtors to help families reach their dreams of home ownership.

Zachary Blake
Down Payment Assistance Loan Originator
NMLS 1428418

Zach is a seasoned mortgage professional with over 12 years of experience in the industry and has done everything from origination to post closing. He has navigated through roles in both small and large institutions, honing his skills and expertise along the way. He thrives at finding solutions, efficiencies, and has a deep understand behind the "why" in each step of the mortgage process. When not immersed in the world of mortgage, you can spot Zachary at local concerts or unwinding at his favorite spots in the North Loop. He’s also an avid cook and baker who enjoys whipping up meals and treats for his loved ones. As a DPA Originator, Zachary looks forward to partnering with and educating potential homebuyers so they can achieve their dreams of homeownership.