Carol Galante is the I. Donald Terner Distinguished Professor in Affordable Housing and Urban Policy and the Faculty Director of the Terner Center for Housing Innovation. She also co-chairs the Policy Advisory Board of the Fisher Center of Real Estate and Urban Economics.
Galante served in the Obama Administration for over five years as the Assistant Secretary for Housing/Federal Housing Commissioner at the U.S. Department of Housing and Urban Development (HUD) and as the Deputy Assistant Secretary for Multifamily Housing programs.
As FHA Commissioner, Ms. Galante was responsible for the oversight of the FHA’s trillion dollar insurance portfolio, which includes single family and multifamily housing as well as insured health care facilities. She was also responsible for HUD’s two million apartments with rental assistance.
Galante served as FHA Commissioner during the worst financial crisis since the Great Depression, and one precipitated by the housing market collapse. Galante provided key leadership in the housing sector including strengthening FHA’s infrastructure and policies while providing access to credit that helped stabilize the housing market. She also developed signature initiatives that provided better opportunities to low income families including Choice Neighborhoods and the Rental Assistance Demonstration Program.
Prior to her appointment at HUD, Galante was President and Chief Executive of BRIDGE Housing Corporation, the largest non-profit developer of affordable, mixed-income and mixed-use developments in California. BRIDGE is a hybrid organization blending the best of business practices and entrepreneurial ideas with a mission to create affordable homes and apartments.
Early in her career Galante also worked for local government in city planning and community economic development.
She has held numerous volunteer leadership positions and currently serves as a board member of the National Housing Conference and the affiliated California Housing Consortium; Enterprise Community Partners; the National Advisory Board of the recently launched Terwilliger Foundation for Housing America’s Families and; the Urban Land Institute San Francisco District Council.
Galante has been the recipient of many notable honors, including: Housing Wire Magazine’s Influential Woman in Housing 2012, Multifamily/Developer Magazine-Executive of the Year in 2008, Builder Magazine-Top Most Influential People in Homebuilding in 2006, and the California Homebuilder Hall of Fame. She was also a recipient of the UC Berkeley Excellence in Achievement Award in 2010, and the UC Berkeley College of Environmental Design Distinguished Alumni Award in 2002.
She holds a Master of City Planning from U.C. Berkeley, and a Bachelor of Arts from Ohio Wesleyan.
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Carolina Reid is an Assistant Professor in the Department of City and Regional Planning at the University of California at Berkeley and Faculty Research Advisor for the Terner Center for Housing Innovation. She assists with the design and execution of the Center's research agenda and portfolio. Carolina specializes in housing and community development, with a specific focus on access to credit, homeownership and wealth inequality. She has most recently published research on the impact of the foreclosure crisis on low-income and minority communities, the role of the Community Reinvestment Act during the subprime crisis, and the importance of anti-predatory lending laws for consumer protection. Carolina is particularly interested in interdisciplinary research and the integration of qualitative and quantitative methods.
Carolina brings nearly two decades of applied work experience to her research and teaching. Before joining the faculty at UC Berkeley, Carolina worked for a year at the Center for Responsible Lending, where she undertook policy analyses on how provisions in Dodd-Frank could affect future access to credit for lower-income and minority households. Before that, Carolina served as the Research Manager for the Community Development Department at the Federal Reserve Bank of San Francisco for six years. At the SF Fed, Carolina published numerous journal and policy articles on topics related to housing and community development, and helped to build the capacity of local stakeholders — including banks, nonprofits, and local governments — to undertake community development activities, especially in the areas of affordable housing, early childcare education, asset building, and neighborhood revitalization.
Carolina has also held positions with the World Resources Institute in Washington, D.C., where she worked on urban environmental issues and the environmental impacts on health; the Environmental Health and Social Policy Center in Seattle, where she contributed to the evaluation of Jobs-Plus, a welfare-to-work demonstration targeted to residents living in public housing developments; and the Millennium Ecosystem Assessment based out of Penang, Malaysia, where she managed an effort to understand how indigenous knowledge about environmental change could be integrated into international environmental decision-making processes.
KAREN CHAPPLE | FACULTY RESEARCH AFFILIATE
Karen Chapple, Ph.D., is a Professor of City and Regional Planning at the University of California, Berkeley. Chapple specializes in regional planning, housing, and economic development. Her recent book (Routledge, 2015) is entitled Planning Sustainable Cities and Regions: Towards More Equitable Development. She is currently finishing two books: Transit-Oriented Displacement? The Effects of Smarter Growth on Communities (with Anastasia Loukaitou-Sideris, MIT Press, 2018), and Fragile Governance and Local Economic Development: Evidence from Peripheral Regions in Latin America (with Sergio Montero, Routledge, 2018). In Fall 2015, she launched the Urban Displacement Project, a research portal examining patterns of residential, commercial, and industrial displacement, as well as policy and planning solutions. In 2015, Chapple's work on climate change and tax policy won the UC-wide competition for the Bacon Public Lectureship, which promotes evidence-based public policy and creative thinking for the public good.
As a faculty affiliate of several institutes on campus, including the Terner Center, Chapple is currently engaged in multiple research project on infill development, accessory dwelling units, and gentrification and displacement. In 2006, she founded UC Berkeley Center for Community Innovation, which has provided over $1.5 million in technical assistance to community-based organizations and government agencies. This has included research on the potential for gentrification and displacement near transit-oriented development (for the Association of Bay Area Governments); more effective planning for affordable housing and economic development near transit (for the Great Communities Collaborative); the relationship between the arts, commercial and residential revitalization in low-income neighborhoods; and the role of the green economy and industrial land in the California economy. She has also led a national contest sponsored by the Annie E. Casey Foundation to generate ideas for local and state job creation targeting disadvantaged communities. Chapple has also worked on regional and local economic development research projects in Mexico, Spain, Thailand, Israel, Brazil, Peru, Argentina, Guatemala, Colombia, and Abu Dhabi. She provides policy advice to many local, state, and national elected officials and also serves as a member of the Berkeley Planning Commission (appointee of Councilmember Lori Droste).
Chapple holds a B.A. in Urban Studies from Columbia University, an M.S.C.R.P from the Pratt Institute, and a Ph.D. from UC Berkeley. She has served on the faculties of the University of Minnesota and the University of Pennsylvania, in addition to UC Berkeley. From 2006-2009, she held the Theodore Bo and Doris Shoong Lee Chair in Environmental Design. She is a founding member of the MacArthur Foundation's Research Network on Building Resilient Regions. Prior to academia, Chapple spent ten years as a practicing planner in economic development, land use, and transportation in New York and San Francisco.
JED KOLKO | SENIOR FELLOW
Jed Kolko is an independent economist with research expertise in housing, employment, technology, and local economic development and Senior Fellow for the Terner Center for Housing Innovation. Most recently he was Chief Economist and VP of Analytics at Trulia, the online real estate marketplace. He led Trulia’s housing and economics research and was the company’s spokesperson about the housing market. Previously he was Associate Director and Research Fellow at the Public Policy Institute of California, where he led research projects and advised policymakers and business leaders on economic, housing and technology policies. Prior to PPIC, he directed Forrester’s consumer market research program, advising corporate executives on technology adoption and demand. He has also held positions at the Office of Federal Housing Enterprise Oversight (now FHFA), the World Bank, and the Progressive Policy Institute.
Jed earned his A.B. in social studies and his Ph.D. in economics at Harvard University. He lives in San Francisco and can be reached via his website (www.jedkolko.com), Twitter (@jedkolko), or LinkedIn.
SARA DRAPER-ZIVETZ | ASSOCIATE DIRECTOR
Sara Draper-Zivetz is the Associate Director for the Terner Center for Housing Innovation. She has been with the Center since its launch in early 2015.
Prior to coming to the Terner Center, Sara was a Program Assistant for Living Cities, a philanthropic collaborative focused on urban poverty and systems change. In that role she managed the Knowledge & Communications strategy and provided strategic support for the Public Sector Innovation team. Before Living Cities, she was a Project Coordinator for HandsOn Greater DC Cares, a nonprofit based in Washington, DC coordinating much of the region’s volunteerism.
Sara holds a master’s degree in City and Regional Planning from UC Berkeley, with a focus in community development and housing, and a Bachelor of Arts in Sociology from Barnard College.
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SUSAN M. LUONG | ADMINISTRATIVE OFFICER
Susan Luong is the Administrative Officer for the Terner Center for Housing Innovation and an Executive Assistant to Faculty Director, Carol Galante. In this role she will be providing support in areas of finance, operations, office management, organizational development, fundraising, and communications for the Center.
Prior to joining the Terner Center, Susan worked at the Haas School of Business, where she served as a Faculty Recruitment Administrator and Faculty Assistant prior to that, providing key support to a number of ladder faculty and senior staff. Before working at Haas, Susan led a STEM (Science, Technology, Engineering, and Math) course in an afterschool program at an Oakland public elementary school.
Susan graduated from UC Berkeley with a degree in Molecular Cell Biology with the emphasis in Neurobiology in 2009.
SARAH MAWHORTER | POSTDOCTORAL SCHOLAR
Sarah Mawhorter is a Postdoctoral Scholar at the Terner Center for Housing Innovation. She helps to manage a number of the Terner Center's research initiatives and data management systems, and works closely with the Terner Center's graduate student researchers.
Sarah studies housing and neighborhoods, with a focus on the demographic forces that shape the housing market. She investigates the ways in which regional population shifts and housing supply constraints contribute to neighborhood change. Much of Sarah's research concerns the flexibility of the housing supply to meet changing housing needs. She combines methods from urban economics, demography, geography, and sociology in her research.
Sarah holds a PhD in Urban Planning and Development and a Master of Planning from the USC Price School of Public Policy, and a Bachelor of Arts in English and Art History from Carleton College.
OPHELIA BASGAL | VISITING SCHOLAR
Ophelia Basgal is a Visiting Scholar at the Terner Center for Housing Innovation. She has over 30 years of high level management experience and extensive regulatory and policy knowledge of the Department of Housing and Urban Development’s (HUD) programs and other state and local affordable housing programs. Prior to joining the Terner Center, she was the HUD Region IX Regional Administrator where she led a team of approximately 650 employees in five field offices in the states of Arizona, California, Hawaii, Nevada and the Territory of Guam, Commonwealth of the Northern Mariana Islands and American Samoa. She previously held positions as Vice President for Community Relations for PG&E and Executive Director of the Alameda County CA Housing Authority.
Ophelia holds a master’s degree in social welfare from UC Berkeley, with an emphasis on social welfare administration and a BA in Sociology from Arizona State University.
NATHANIEL DECKER | GRADUATE STUDENT RESEARCHER (PHD IN DEPT. OF CITY & REGIONAL PLANNING)
Nathaniel Decker is a current PhD student in the city and regional planning department at UC Berkeley. Prior to this he was a senior associate at Forsyth Street Advisors, an advisory and asset management firm based in New York focused on affordable housing, real estate, and municipal and impact investment. While at Forsyth Nat performed financial analysis for affordable housing developers and assisted nonprofit clients, governments, and quasi-governmental entities with program design and analysis. He also provided clients with geographic information systems (GIS) analysis. Prior to working at Forsyth, Nat held positions at LISC, the Center for Housing Policy, and Smart Growth America. Nat has a Bachelor’s degree in Environmental History and Biology from Oberlin College and a Master’s degree in City and Regional Planning from Cornell.
At the Terner Center, Nathaniel is currently working on research projects relating to new technologies and residential development and the impact of new HUD regulations on the construction of new affordable housing.
ROCIO SANCHEZ-MOYANO | GRADUATE STUDENT RESEARCHER (PHD IN DEPT. OF CITY & REGIONAL PLANNING
Rocio Sanchez-Moyano is a doctoral student in the Department of City and Regional Planning at UC Berkeley. She is interested in a broad array of housing issues, including tenure choice, barriers to housing and neighborhood access, and housing demography. Prior to Berkeley, Rocio was a Research Analyst at the Joint Center for Housing Studies at Harvard University. While there, her research focused primarily on homeownership trends; other major research projects included an analysis of homeownership’s effect on wealth accumulation and a study of REO investors in the Boston area. Before joining the Joint Center, Rocio was a Presidential Management Fellow at the HUD regional office in Boston, working on various programs within both Public Housing and Community Planning and Development.
At the Terner Center, Rocio is working on a project to identify alternative models to homeownership and sources of financing for these alternatives.