What We Do

Rob Chrane is founder and CEO of Down Payment Resource and a leader in the homeownership affordability space. A 30-year veteran of the real estate and mortgage industries, Chrane launched the only comprehensive database of U.S. homebuyer assistance programs and develops tools that empower lenders, borrowers and real estate professionals to connect homebuyers with affordability programs. Chrane actively collaborates with housing organizations and coalitions such as the Urban Land Institute, National Fair Housing Alliance and the Mortgage Bankers Association’s CONVERGENCE initiative. He is a frequent speaker at national and local events on the topic of homeownership affordability.

As Chief Technology Officer, Perry Flinn manages Down Payment Resource’s technical integrations and special development projects to enhance the organization’s digital homebuyer assistance tools. Flinn has held CTO positions at software firms for the last 20 years and has deep expertise in software architecture, development and consulting. Since 2010, Flinn has served on the Down Payment Resource advisory council. He holds a master’s degree in information and computer science from the Georgia Institute of Technology.

Sean Moss is Executive Vice President, Product and Operations at Down Payment Resource where he leads product strategy, oversees organizational operations and spearheads partnerships that help housing professionals connect homebuyers with assistance programs. Moss has more than 18 years of experience in the housing finance industry and his professional achievements have earned him recognition as a HousingWire Insider award recipient. He holds a Master of Business Administration degree from Kennesaw State University’s Michael J. Coles College of Business.

Brad Cardwell joined Down Payment Resource in 2024 as vice president of sales and business development, bringing nearly 20 years of mortgage industry experience. He leads DPR’s enterprise sales efforts, growing both its sales team and partner network, with the goal of making more real estate professionals and consumers aware of the availability and benefits of DPA for a range of homebuying expenses and property types.

Cardwell started his mortgage career as a loan officer and team leader at Embrace Home Loans, where he worked for 19 years, most recently as vice president of innovation for revenue and sales enablement. 

As Down Payment Resource’s Vice President, HFA Relations, Veronica Khandelwal manages the internal research team and supports collaborative partnerships with Housing Finance Agencies (HFAs) and homebuyer assistance program providers. Khandelwal developed her extensive background in regulatory compliance and product development over more than 20 years in the mortgage industry. Prior to Down Payment Resource, Veronica worked in mortgage product development at Fifth Third Bank, where she was the go-to subject matter expert for all affordable lending programs.

Angel Romero is housing finance agency relationship manager at Down Payment Resource (DPR). A skilled communicator and strategic thinker, Romero wields a decade of mortgage industry experience as she builds and maintains DPR’s relationships with hundreds of local housing finance agencies nationwide. Before joining DPR in March 2023, Angel served as AVP, post-closing manager and resident housing program expert at Cherry Creek Mortgage, where she helped drive the company’s expansion into underserved markets with the help of DPR’s robust DPA Directory. 

As Vice President, Marketing and Communications at Down Payment Resource, Melinda Harris is responsible for governing all of the company’s marketing, communications and public relations initiatives. With more than 20 years of experience in the real estate and finance industries, Harris exhibits her passion for expanding affordable homeownership through her strategic marketing campaigns. By championing research and education efforts, Harris is dedicated to spreading awareness of programs designed to help more qualified homebuyers achieve the financial dream of homeownership.