Texas Association of Local Housing Finance Agencies
Advocating for Affordable Homes in Texas

Advocating for Affordable Homes in Texas

Established in 1989, Texas Association of Local Housing Finance Agencies, or TALHFA, aims to inform, plan, and support the needs of local housing finance agencies in their delivery of affordable residences in the state of Texas. We are the only statewide association that focuses on the housing needs and concerns of local communities.

Different Housing Professionals Working Together

TALHFA members collaborate to contribute to this one piece of the housing continuum, which is necessary to serve the overall population of the ever-growing Texas communities. Our interests in meeting local housing needs are both personal and professional since our members live in the communities we serve.

Members of Our Trade Association

Based in Austin, Texas, our nonprofit organization has over 250 active members in all areas of affordable housing. These professionals include:

  • Local Housing Finance Corporations (HFCs)
  • Bankers
  • Attorneys
  • Developers
  • Trustees
  • Service Providers
  • Consultants

Our members work together to offer inexpensive solutions for homeownership and rental opportunities and provide reasonably priced yet quality homes for the following:

  • Working-class families
  • Professionals who are just starting out
  • Senior citizens who are downsizing or desire to live in a community atmosphere
Texas Association of Local Housing Finance Agencies
Texas Association of Local Housing Finance Agencies

Learn More About Local Housing Finance Corporations

Local HFCs are created under the Texas Housing Finance Corporations Act of 1979, which is currently authorized under Chapter 394.905, of the Texas Local Government Code. While not a governmental entity, each corporation is a duly constituted nonprofit instrumentality of the government offices that sponsored the creation of the HFC.

The Purpose of Local HFCs

An HFC provides a local focus on the housing needs of various grassroots areas. To meet their mission, these organizations offer housing opportunities that are needed in their communities. These include activities that assist in the provision of safe, decent, and inexpensive housing in the communities they serve, such as:

  • Delivering down payment and closing cost assistance
  • Offering financing for quality residential rental homes
  • Planning homebuyer fairs and other informational forums
  • Organizing homebuyer education classes and financial literacy classes
  • Partnering with other providers to build local community facilities
  • Building infill housing
  • Assisting other agencies in times of disaster
  • Conducting home rehabilitation programs

HFCs also provide a variety of safe mortgage products for first-time homebuyers. These options come from tax-exempt bond financing or the issuance of Mortgage Credit Certificates.

A Note from the President

Dear TALHFA Members: Colleagues and Friends,

As we’ve said goodbye to 2020 and cautiously welcomed 2021, the importance of the work we do has never been clearer. Covid-19 has impacted all of us in ways we never could have imagined 12 months ago. The pandemic, coupled with the ongoing effects of Winter Storm Uri here in Texas, has truly tested our industry in a myriad of ways.

On December 21, 2020, Congress passed an additional round of COVID relief legislation as part of the Bipartisan-Bicameral Omnibus COVID Relief Deal. One aspect of the legislation is that it establishes a 4% rate floor (referred to as “fixing the floor”) for calculating tax credits related to acquisitions and housing bond-financed developments for purposes of low-income housing tax credits, effective in 2021.

This change in the law will generally result in additional equity being available to tax credit properties. This additional equity will allow more dollars to be available to the project which will reduce or eliminate deferred developer fee and possibly provide for additional flexibility in structuring of the properties.

At the state level, rent relief programs are being churned out to ensure our most vulnerable fellow Texans can keep a roof over their heads during these unprecedented times. Many fellow TALHFA members are on the front lines ensuring these programs are a success.

The start of the 87th Texas Legislative Session in January requires TALHFA to dust off our story telling abilities to ensure we are prepared to educate our elected representatives on the need for long-term affordable housing solutions.
As we look forward to the upcoming year, the challenges we faced in 2020 will not go away, but new opportunities will arise. As such, TALHFA will continue to be a source of connection, support, training and advocacy. I look forward to working with all of you.



Andrea Shields

TALHFA President

Texas Association of Local Housing Finance Agencies

Board of Directors

Updated March 2022
TALHFA 2022 Board of Directors
Andrea Shields
Managing Director
Travis County HFC
Pres. 700 Lavaca Street
Suite 1560
Austin TX 78701
Office: (512) 854-9116
Fax: (512) 854-4210
Cell: (512) 960-9857
David Southern
Northwest Central HFC
1st VP 226 E Pearl Street
Granbury, TX 76048-2211
Cell: (817) 573-6680
Diana McIver
DMA Development Co, LLC
2nd VP 4101 Parkstone Heights Dr
Suite 310
Austin TX 78746-7485
Office: (512) 328-3232 x 4504
Fax: (512) 328-4584
Cell: (512) 762-2651
Robert Coleman
Managing Director
Raymond James
Treas. 50 N. Front Street
Memphis TN 38103
Office: (901) 529-5404
Fax: (901) 579-4363
Cell: (901) 289-3375
Rick Sheffield
Executive Director
Rowlett HFC
Sec. 4113 Main St.
Suite 105
Rowlett, TX 75088
Office: (469) 431-0108
Cell: (214) 773-1061
Patricia Ward
CD/Housing Director
Tarrant County HFC
Imm. Past Pres. 1509 S. University Dr
Suite 276
Fort Worth TX 76107-9502
Office: (817) 850-7940
Fax: (817) 850-7944
Cell: (817) 996-2973
Pamela Black
Senior Vice President
Bank of Texas
777 Main St
Suite 3500
Fort Worth, TX 76102
Office: (817) 348-5797
Fax: (972) 581-8913
Cell: (817) 889-2889
David Clark
Executive Director
2112 Indian Heights Blvd
Wichita Falls, TX 76309
Office: (940) 691-6857
Cell: (940) 235-0119
Mindy Cochran
Executive Director
Arlington HFC
501 West Sanford Street
Suite 20
Arlington, TX 76011-7091
Office: (817) 276-6790
Fax: (817) 962-1206
Shari Flynn
Executive Director
Lubbock HFC
3212 Ave. Q
Lubbock, TX 79411-2613
Office: (806) 745-9559
Fax: (806) 765-5828
Cell: (806) 535-5356
Melinda Frazer
Sr Director of Business Development
Portfolio Resident Svcs.
3701 Kirby
Suite 860
Houston, TX 77098
Office: (713) 526-6634
Fax: (713) 526-7019
Cell: (972) 816-5702
Jill Miller
Executive Director
Odessa HFC
3801 North Dixie Blvd
Odessa, TX 79762-6827
Office: (432) 362-2349
Fax: (432) 362-4200
Cell: (432) 638-3721
Jim Shaw
Executive Director
Capital Area HFC
4101 Parkstone Heights Dr
Suite 280
Austin, TX 78746-7397
Office: (512) 347-9903
Fax: (512) 732-8341
Cell: (512) 657-1199
Jeff Spicer
VP and Project Partner
2905 Northwest Blvd, #150
Plymouth, MN 55447
Office: (763) 392-9875
Ron Williams
Executive Director
Southeast Texas HFC
11111 South Sam
Houston Parkway East
Houstin, TX 77089
Office: (281) 484-4663 x108
Fax: (281) 484-1971
Cell: (713) 542-7982
Texas Association of Local Housing Finance Agencies


Members are encouraged to sign up for any committee(s) of their interest. Your participation makes TALHFA an even stronger association! Contact us at jackie@talhfa.org to be added to committee membership.

The purpose of the Membership Committee is to identify strategies to increase membership and to serve TALHFA members in the best possible way. Committee members help to identify potential members and suggest marketing strategies & materials. Committee members also help to identify possible benefits and new services for TALHFA members.

The Conference Planning Committee helps to identify topics, speakers, events, exhibits, and sponsorships for the annual event. The committee is responsible for increasing attendance and sponsorships. If necessary, the committee members may be asked to provide assistance during the conference.

The Legislative Committee members work with the membership on legislative issues to define TALHFA’s position on those issues. The committee members are often asked to make Capitol visits to communicate information about TALHFA and our membership. All TALHFA Board members are on this committee in addition to any other volunteer members. The Chair of this committee is automatically the 2nd Vice President.

The nominating committee meets to identify the slate of candidates for the Board of Directors Election each year. Additionally, the committee meets to determine a recommended slate of officers for the Board each January. The Chair of this committee is automatically the most recent Immediate Past President of the Board of Directors.

The Awards Committee meets to establish the categories, process, and criteria for TALHFA Achievement Awards. They also evaluate the award submissions and select the recipients for each of the Annual TALHFA Awards.

The Executive Committee is made up of the five officers of the Board of Directors. The committee has the authority to act on behalf of the Board if the Board cannot convene in a timely manner to deal with a particular issue.

The Personnel Committee meets on employee issues, including performance, pay, benefits, and bonuses. This committee also serves as a liaison between the Board of Directors and the staff if necessary.

*The President of The Board is a member of all committees

Texas Association of Local Housing Finance Agencies