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Tom Bernaciak

Tom Bernaciak is currently the Deputy Director for Multifamily Production for the U. S. Department of HUD, in Washington D.C. Prior to that he was the Director of the Technical Support Division in HUD HQ (2014-2018). Before joining HUD, he spent his entire career in the private sector, most recently as FHA Eastern Production Manager for Amerisphere Multifamily Finance, Bethesda MD, and before that Chief FHA Underwriter for First Housing Development Corporation of Florida, based in Tampa, Florida.  In addition to his lending experience, he earned a Juris Doctor Degree from Duquesne University in Pittsburgh, PA. and practiced law for fifteen years.