Meet the Team - Homeownership & Renting

​​​Homeownership and Rental programs provided by the Maryland Department of Housing and Community Development are predominantly managed by the Division of Development Finance, which is also known as the Community Development Administration, which is the Housing Finance Agency for the State of Maryland. Some aspects of these programs are managed by the Department's Division of Asset Management.

If you are a homebuyer with​ questions about the Maryland Mortgage program, please contact one of our approved lenders or call 1-800-638-7781.

Maryland Mortgage Program

Headshot of Catherine Kraemer Dale 

Catherine Kraemer Dale - Business Development Representative

Catherine specializes in helping approved Maryland Mortgage Program lenders navigate loan application procedures and maximize loan benefits for their homebuyer clients. Catherine is available for group lender training, and can provide customized program support to all mortgage professionals working with our homebuyer programs. | P: 240-475-3706

Maryland WholeHome

If you are a homeowners interested in programs to help you make safety, comfort and efficiency improvements to your home, please go to

Headshot of Jack Daniels 

Jack Daniels - CDA Lending and Risk Director, Special Loans and Administration

Jack leads the Department’s lending programs for Maryland homeowners seeking improvements to their homes to achieve safety, comfort, efficiency and accessibility. Home repair contractors and housing inspectors can contact Jack to establish partnerships throughout Maryland and to get information on the range of funding programs available.

E: | P: 301-429-7802

Headshot of Andrew Aliferis 

Andrew Aliferis – Senior Program Manager, Special Loan Programs

Andrew oversees lo​an​ applications for the Department’s portfolio of homeowner lending programs, provided under the Maryland WholeHome umbrella. Andrew can be contacted to assess the status of loan applications or to receive guidance or training on lending standards, procedures and borrower eligibility.

E: | P: 301-42​9-7466


Single Family Operations


Randy Johnson – Loss Mitigation Team Leader

Randy assists mortgage partners who are experiencing circumstances that are creating difficulties in the management of their mortgage obligations. Randy and his team work with partners through the establishment of repayment plans, mortgage modifications, short sales, Deeds in Lieu of Foreclosure, etc., that can aid the mortgagors in resolving mortgage issues.

E: | P: 301-429-7641


Priyakumar (“Paul”) Paul​ – Payoff and Release Administrator

"Paul" assists homeowners, lenders, Title Companies, and other entities with requests for Mortgage Payoff Statements and Lien Releases as well as provides copies of mortgage documents such as Deed of Trust Notes, Deeds of Trust, Certificates of Satisfaction, etc.

E: | P: 301-429-7556

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