Mr. Gregory is a financial analyst for MVAH Partners. A graduate of the University of Dayton, Justin is responsible for the underwriting and day-to- day management of lender and investor relations for developments in Texas, Georgia, and South Carolina. Mr. Gregory has underwritten and assisted in the development of approximately 3,500 tax credit units.

Teresa Morales began her career with the Texas Department of Housing and Community Affairs in 1999 in the Financial Services division as a Senior Accountant responsible for back-end compliance relating to the Department’s Residential Mortgage Revenue Bond and Multifamily Bond Trust Indentures. She transferred to the Multifamily Finance division in 2004 and currently serves as Manager of the Department’s Multifamily Private Activity Bond and 4% Housing Tax Credit programs where she has overseen the issuance of over $1.1 billion in Private Activity Bonds and over $281 million in 4% Housing Tax Credits. Teresa earned her Bachelor’s degree in Psychology and her Master’s degree in Applied Sociology from Texas State University.

Kent Neumann has been in the affordable housing and healthcare business for over 20 years.  Mr. Neumann has served as underwriter’s counsel, purchaser’s counsel, bond counsel, lender’s counsel and borrower’s counsel and has also advised issuers and other clients on the legal and financial aspects of a wide range of tax-exempt and taxable financings around the country.  These include publicly offered and privately placed financings using credit enhancement provided by FHA, Ginnie Mae (GNMA), Fannie Mae, Freddie Mac, the Federal Home Loan Bank, municipal bond insurance, bank letters of credit, insurance company guaranties, as well as unrated and/or uncredit-enhanced bond deals. Many of these transactions have involved multiple-tier financings utilizing senior/subordinated and other complex structures designed to achieve optimal efficiency and savings. These include “50% test” and cash-collateralized bonds as well as loans from Rural Development and HUD / FHA under various programs including 515, 538, 202, 221, 223, 236, 242, Section 8, HOPE VI, etc.

Mr. Neumann has been one of the most innovative attorneys in his field creating and developing many of the financial structures used today in both housing and healthcare industries. Many of these structures have created millions of dollars in savings while simultaneously providing efficiency in the execution. In addition, Mr. Neumann has a unique level of experience in and knowledge of cashflow modeling, rating agency requirements, credit enhancement programs, financial structures used today and other critical variables affecting bond financings.

Mr. Neumann graduated magna cum laude from the University of California, San Diego, where he received a B.A. degree in Psychology in 1995.  He graduated magna cum laude from Tulane Law School in May of 1998 and is a member of both the California and the District of Columbia Bars.  He is also a member of the American Bar Association and the National Association of Bond Lawyers.