David M. Dworkin joined NHC as president and CEO in January 2018. Prior to joining NHC, David worked as a senior policy adviser at the U.S. Department of the Treasury, where he advised senior Treasury Department officials on matters related to housing and community development. His expertise includes credit availability; housing finance reform, mortgage servicing, affordable housing, access to credit, residential housing vacancy, abandonment and demolition and community stabilization strategies. He also served as a member of the White House’s Detroit interagency team, where his responsibilities included developing and implementing strategies to assist in the City of Detroit’s revitalization. He is a graduate of the University of Michigan and lives in Washington, D.C. with his wife Hayley Hoffman.

Mike Fratantoni is responsible for overseeing MBA’s industry surveys, benchmarking studies, economic and mortgage originations forecasts, industry technology efforts, and policy development research for both single-family and commercial/multifamily markets. Additionally, Fratantoni is president and member of the Board of Directors of MISMO and serves on the CSP’s Industry Advisory Group and the membership committee of MERS. Prior to joining MBA, Fratantoni worked in the industry in risk management and senior economist roles at Washington Mutual and Fannie Mae.  He received a Ph.D. in economics from Johns Hopkins University and a B.A. in economics from The College of William and Mary, and has served as an adjunct professor at the University of Washington, and Johns Hopkins, George Washington, and Georgetown Universities.

Sam Khater brings more than 20 years of extensive housing finance research and economic forecasting expertise to his new role at Freddie Mac. As chief economist for the GSE, he will lead its researchers in providing insights and analysis on economic trends and policy issues affecting Freddie Mac and the housing market. Prior to joining Freddie Mac, Khater spent 11 years at CoreLogic, where he most recently served as vice president of research and deputy chief economist. Khater oversaw the production of original research and advising clients, regulators, policymakers and investors on real estate and mortgage market trends. Prior to joining CoreLogic, Khater was a senior economist at Fannie Mae and an economist at the National Association of REALTORS®. Khater holds a master’s degree in network economics from Georgetown University and a bachelor’s degree in economics and finance from George Mason University.

Lawrence Yun is chief economist and senior vice president of research at the National Association of REALTORS®. He oversees and is responsible for a wide range of research activity for the association including NAR’s Existing Home Sales statistics, Affordability Index, and Home Buyers and Sellers Profile Report. He regularly provides commentary on real estate market trends for its 1.3 million REALTORS®. Dr. Yun creates NAR’s forecasts and participates in many economic forecasting panels, among them the Blue Chip Council and the Wall Street Journal Forecasting Survey. He also participates in the Industrial Economists Discussion Group at the Joint Center for Housing Studies of Harvard University. He appears regularly on financial news outlets, is a frequent speaker at real estate conferences throughout the United States, and has testified before Congress. Dr. Yun received his undergraduate degree from Purdue University and earned his Ph.D. from the University of Maryland at College Park.