Thomas Dombrowski, Chief Operating Officer

Thomas Dombrowski is a seasoned housing and community development leader with three decades of experience advancing affordable housing solutions. As a former Housing Outreach Manager at Freddie Mac, he spearheads strategic partnerships, financial education initiatives, and training programs that expand access to homeownership for underserved communities. Tom is a recognized expert in mortgage product education, nonprofit engagement, and racial equity strategies. Tom is currently appointed to HUD’s OHC Model Industry Standards Advisory Committee. Tom previously served as the Vice-Chair of the Mortgage Bankers Association’s Housing Counseling Development Work Group. He works to bridge policy, practice, and impact that drive innovation across the housing ecosystem.  In addition to 20 years at Freddie Mac Tom has held roles with NeighborWorks America, UnidosUS (formerly NCLR) and Norwest Mortgage.

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Michelle Winters, Chief Executive Officer