Rob Chrane professional headshotRob Chrane, CEO

Rob Chrane has more than 30 years of experience as a top producer and executive in the real estate and mortgage finance industries. Chrane launched Down Payment Resource to connect eligible homebuyers and eligible properties with hard-to-find down payment programs. Chrane was recognized as a HousingWire Vanguard for his leadership in the housing economy.

As a volunteer leader with housing community organizations, Chrane has served with the Urban Land Institute and its Terwilliger Workforce Housing Center; the National Council of State Housing Agencies; the National Association of Local Housing Finance Agencies; the National Housing Council; and the Metro Atlanta “Piece by Piece Regional Foreclosure Initiative.”

Chrane also worked on numerous Habitat for Humanity homes and served as a board member and fundraiser for the Buckhead YMCA for more than 15 years.


Sean MossSean Moss, Senior Vice President, Director of Operations and Customer Support

Sean Moss is Vice President, Director of Operations and Customer Support, directing operations, implementation and support of Down Payment Resource tools and customers. Moss has more than 10 years of experience in the real estate and finance industry, where his leadership roles ranged from loan operations to corporate-level technology projects and process improvement for small and large mortgage companies.


Perry Flinn

Perry Flinn, Chief Technology Officer

As Chief Technology Officer, Perry Flinn is responsible for the company’s technical integrations and special development projects. Flinn brings more than 30 years experience in technology architecture, design/development, consulting as well as experience in the financial services industry to his role. Most recently, he managed an independent IT consulting practice and served as the CTO for VoiceQuilt, LLC. Flinn also served on the Down Payment Resource advisory council since early 2010.


Richard LutchRichard Lutch, Chief Financial Officer 

With more than 20 years experience in all aspects of financial management, Richard Lutch is Chief Financial Officer responsible for the organization’s financial operations. Lutch previously served as the Director of Finance for the Atlanta Beltline, Inc. and as the Senior Vice President of Finance and Strategic Alliances for HomeBanc Mortgage Corporation. Lutch also served on the Down Payment Resource advisory council since 2007.


Tracey Shell

Tracey Shell, Vice President, Director of Marketing Communications

With 15 years experience in communications and public relations counsel and strategy, Tracey Shell is Vice President, Director of Marketing Communications for Down Payment Resource. She manages customer communications, marketing activities and public relations for the company. Shell formerly directed customer communications at Fannie Mae where her experience included communicating affordable housing investments and directing industry event strategy.