Caroline Gerardo

Caroline Gerardo is an accomplished mortgage banking and financial services professional with extensive experience spanning over three decades. Currently serving as Deputy Director of Multifamily at Maryland DHCD, Caroline oversees a multibillion-dollar portfolio and specializes in Low Income Housing Tax Credits (LIHTC), HOME, and HUD programs. Previous roles include Mortgage Banker at Pinnacle Home Loans and President of Mustard Seed Mortgage, where Caroline demonstrated expertise in various mortgage types and advanced technology integration, such as the development of an AI Loan Origination System. Caroline's career includes significant positions at LENNAR Homes, W.J. Bradley Mortgage Capital, and Wachovia Bank, alongside a solid foundation in software development from early experience at ICICI Bank. Caroline holds a Master's degree from Claremont Graduate University and a Bachelor's degree in Literature and Art from Scripps College.