Tonya Todd

Tonya Todd is the Managing Director of HFA TBA at Hilltop Securities. She is a national leader in the affordable housing industry and has a solid reputation in the first time homebuyer and purchase market.  Tonya works closely with housing finance agencies, their lenders, Fannie Mae, Freddie Mac, Mortgage Insurance Companies and other industry partners to support down payment assistance programs across the nation.  Prior to joining Hilltop Securities, she led the affordable housing team for a regional lender in California, where she accepted many awards for driving the company forward in their specialty lending production.  And prior to that, Tonya spent nearly 9 years at Bank of America managing the Master Servicing of Housing Finance Agency programs with hundreds of participating lenders.  She is tremendously instrumental and very involved in working with housing agencies around the country to develop and design loan programs to operationally serve their lending community while keeping the lowest rate possible for the homebuyer.

Her vast knowledge in this the purchase market space assists agencies in creating the most successful affordable housing programs for low-to moderate first-time homebuyers.

AC25 Session: Single-Family Market Briefing