Natasha Encarnacion, J.D. Email & Phone Number

Florida, United States

Boston, Massachusetts, United States

Texas, United States

Collaborate with various department to prepare proposal responses offering consulting services focused on housing and community development opportunities to develop national objective programs, including down payment assistance, affordable housing construction and other homeownership equity focused programs.Iowa Homeowner Assistance Fund Program – Deputy Project ManagerProgram Development – Based on guidance issued by the US Treasury, developed and launched the State of Iowa’s HAF program focused on foreclosure prevention and housing stability by US Treasury approval, turning term sheets into functional policies and developing the processes to bring the policies to fruition. Policy & Procedure Drafting – In collaboration with the State, Housing Counseling and Legal Aid partners, created and drafted policies to best assist COVID-19 Pandemic affected households find sustainable housing outcomes and assistanceTraining - Developed and performed training for staff and community partners to educate on program, its goals and best practices for creating sustainable outcomesTeam Building – Created comradery and a collaborative environment, in a remote setting, by mixing training with team building exercises so that trust and communication can grow and be the foundation of the group dynamic.Kansas Homeowner Assistance Fund – Subject Matter Expert (SME)Housing Policy SME – Go-to individual for providing advice and guidance regarding housing policy, US Treasury program guidelines, consumer lending program rules and loss mitigation strategies, including FHA, VA, USDA, Fannie Mae and Freddie Mac and options for foreclosure relief program implementation. Technical Writing - Drafted and updated program policy and process manualsTraining - Responsible for developing and implementing training, for a team unfamiliar with consumer lending, on the fundamentals of homeownership, mortgage types, lien and superior lien policies, and foreclosure prevention tactics.

Trenton, New Jersey

 Program Development – Oversee development of all programs ensuring functionality with testing along with internal and external partnerships to optimize processes and systems. Ensure regulatory compliance with state and federal agencies, while meeting organizational goals. Assistance Program – Led introduction of a down payment assistance program that has helped over 1000 New Jersey residents purchase homes in high foreclosure counties to stabilize neighborhoods. Program Management – Lead daily program management of all Single Family programs that include mortgage originations, underwriting, loan processing and closing. Facilitate daily operations of all special programs and re-evaluation of other operating programs to ensure effectivity and efficiency. Training & Development – Hands-on leadership, mentoring, and training of full-time staff of 25, plus temporary employees focused on optimizing customer service and knowledge. Process Improvement – Revamped internal foreclosure prevention program with reduced decision-making time from 120 days to 60 days for over 1200 residents during tenure. Executive Team – Collaborate with senior staff to identify areas of concern, provide timely resolution of any problems, and provide advisory services about affordable housing issues and policy.

Trenton, New Jersey

 Hurricane Sandy Relief Assistance Program – Developed and managed all functions of a Hurricane Sandy Relief-Rental Assistance Program. Succeeded in helping over 1500 displaced homeowners to afford temporary and transitional housing. Staff Training – Team leader for training and mentoring of 13 full time and temporary employees focused on customer service and job knowledge to optimize performance goals. Two interns are now in management roles Creative Problem Solving – Identified quick solutions to issues related to lending, foreclosure, and foreclosure assistance working in collaboration with Consumer Lending and Servicing department of the Single Family Division. Ensured senior management was aware of any potential issues or trends.

Trenton, Nj

 Program Leadership – Managed a $25M budget for federal disaster recovery funds to facilitate a successful SHAP program that required review and revision of program policies, procedures, documents and manuals to facilitate the implementation of the program. Collaborated directly with New Jersey HMFA approved lenders for application of SHAP funds to FHA, USDA and other residential lending products. Responded to inquiries from DCA and the Governor’s office for any issues associated with SHAP program. Program Success – Assisted 348 renters to become first time homeowners. Audits showed 97% accuracy. Staff Training – Managed the training of all staff associated with SHAP program focused on intake, underwriting, closing, and servicing protocols. Developed filing and tracking processes and ensured that the Housing Counseling agencies contracted as intake providers complied with program guidelines. Program Management – Directed daily operations for HAS with oversight of staff of 8 and implementation of all Uniform Housing Affordability Control (UHAC) and HUD regulations for federal and state housing lending and construction programs: COAH Inclusionary, NJHMFA CHOICE, DCA HOME, Balanced Housing, NSP and NEP. Resolved policy issues with appropriate agency, ensured all processes and documents were accurate and met the ever-changing requirements. Process Improvement – Successfully reduced processing of application time from 7 days to 3 days. Creative Problem Solving – Established key relationships with developers, property managers and other housing partners focused on addressing client complaints and resolving issues.

Trenton, Nj

 Program Coordinator – Supported a market-based approach to locating affordable housing by utilizing a web-based search process; assisted in enforcement of policies, facilitated move of HAS from the DCA to the NJHMFA. Represented the NJHFMA at housing conferences.  Contract Increase - Successfully negotiated proposals and contracts that increased number of municipalities by 40%.

Juris Doctorate Recipient, Law

Ba, Urban Studies

Graduated with High Honors from Douglas College Received an Honors Certificate from Bloustein School of Planning and Policy

Criminal Justice/Psychology

Major: Criminal Justice

College Preparatory, Academic

Academic