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About NAAC

The NAAC is committed to helping people in underserved communities realize lifelong Financial Stability

Financial Health

Use financial education to create a solid foundation you can rely on going forward. Establish credit and create a budget to manage your cash flow and save for important financial events like homeownership or starting a small business.



Creating a path to sustainable homeownership is the most significant opportunity to generate wealth for most Americans. Our HUD approved counselors will guide you every step of the way, including connecting you to the right financial resources to help you make your dream of homeownership a reality.


Small Business

We are a Community Financial Development Institution (CDFI) and a Small Business Administration (SBA) Intermediary.  We can help qualified small business applicants secure loans directly from our CDFI or connect you to additional sources of capital. 

We are here for you

The NAAC has the People and Programs to support you

  • Broadband Access
  • Utilities (Low Income Program)
  • Credit Analysis
  • Budget Review
  • Loss Mitigation Assistance
  • Foreclosure Prevention
  • Transition Assistance

  • Homebuyer Counseling
  • Credit Counseling
  • Down Payment Assistance
  • Mortgage Counseling

  • Business 101
  • Access to Capital
  • Technical Assistance
  • Business Development Networking Assistance

How we use People, Process, and Technology in our commitment to support you

  • Leadership with nationwide network and clout with regulators, legislators, and corporate America
  • Diverse board members with broad expertise
  • Experienced Counselors and Loan Underwriters
  • Strategic Partnership with National Diversity Coalition (NDC)
  • Partnerships with various local and national organizations with scale
  • HUD Approved Homebuying process
  • Small Business Lending
  • Lending Front: Small Business Lending Platform
  • Counselor Max: Housing Counseling Management System
  • NAAC WebApp 90407
  • Google SEO
  • eCredable Lift: Credit Building for Consumers
  • eCredable Lift for Business: Credit Building for Small Business
  • eCredable LiftLocker: Digital Financial Advisor support your Homebuying Journey
  • Digital banking platform
  • EverFi: Small Business Training
  • FDIC Smart Money
  • Framework
Our People

The NAAC Team

Adriel Jose – Information Technology Specialist

Ariel McCarty – Chief of Staff

Dennis Heruela – Deputy Program Development Director

Doris Laxamana – Chief Operations Officer

Elizabeth Tionloc – Human Resources/Payroll Manager & Housing Counselor

Faith Bautista – Chief Executive Officer

Josefina Bautista – Chief Financial Officer

Joselito Tabang – General Accountant

Mel Dimacali – Deputy Director of CDFI Operations

Nora Penaflor – Director of Housing & Compliance

Normita Cachapero – Lead Loan Advisor & Underwriter


Chris Kennedy – Technology

Daughlet Ordinario – Small Business and Microlending

Debbie Lee Ruiz – Grants / Events / External Affairs / “Owning a Piece of America” Production

Pattie Sibug – Small Business and Microlending

The NAAC Board

— meet our stewards

Faith Bautista

President and CEO

As the concurrent President and CEO of both NAAC and NDC, Faith Bautista brings the NAAC/NDC advocacies to the halls of Congress, as well as the California legislature, by fearlessly facing key federal legislators from the Federal Reserve, the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of the Currency (OCC), the Federal Housing Finance Agency (FHFA), the Federal Trade Commission (FTC), the Federal Communications Commission (FCC) and the Securities and Exchange Commission (SEC.)

Cora Oriel


President and Co-Publisher of Asian Journal Publications Inc. (AJPI) – 29-year-old publication firm which provides news and information through its bureaus in California, Nevada, New York, New Jersey and the Philippines.  This publications’ reach mirrors the phenomenal growth of the Filipino-American community in the United States and Ms. Oriel ensures that NAAC’s vision, mission and values are communicated throughout AJPI’s business units and offices, as well as in its relations with local businesses, clients, government agencies and professional associations.

James Santa Maria


Founder of the Santa Maria Group (“SMG”), a  leading government relations and business solutions consulting firm.  SMC’s full array of consulting services, acquired in almost two decades, helps companies successfully navigate the halls of government and other public agencies to achieve project results.  Specializing in local government, SMC focuses on the City and County of Los Angeles, as well as other municipalities and public agencies throughout California.

Alex Bernard Anderson


Founder and Managing Director of Anderson & Associates, a business development firm that specializes in corporate finance, analytical research, investment banking, venture development, insurance and private equity.  He also co-founded African American Economic Justice, a nonprofit that provides innovative solutions to social ills, and the Black Economic Council, another nonprofit which promotes self-sufficiency and empowerment to African American communities.

Alicia Gabriana- Atienza


Broker and CEO of Statewide Realty & Financial Services Inc who is a licensed real estate broker specializing in seller-buyer homeownership. She provides data and market intelligence to clients to facilitate their informed decisions in commercial and traditional sales, REO properties, multi-unit properties, short sales, off-market transactions, loan modifications and foreclosure opportunities

Pablo Wong


Operating Principal in the Keller Williams Realty organization.  He brings to the NAAC table over 25 years of experience in the sales and multi-cultural marketing fields primarily as a real estate consultant, government official (California Department of Real Estate) and corporate manager.

Jason A. Hobson

Board Member

Founding partner of Hobson Bernardino + Davis LLPan “AV Preeminent”-rated law firm which is engaged in affordable housing, social enterprise ventures and impact litigation for consumers.  As an affordable housing attorney practicing ‘Big Law’, he is also an in-house counsel that brings national tax credit syndication to a nimbler platform.  He gained broad experience in the negotiation and documentation of complex affordable housing transactions through representations for profit and nonprofit developers, investors, banks and syndicators of tax credits.

Theresa Martinez

Board Member

CEO & President of Community Connections, LLC, (Community Connections) which specializes in community outreach and engagement.  Her team provides expertise in public and government relations, media relations, community and grassroots outreach, social media outreach and management, special event planning, strategic planning and engagement, and program management.  Ms. Martinez serves on the Advisory Board of the National Latina Business Women Association.

Kirk Miller

Board Member

Mr. Miller is a master architect, planner and senior real estate development officer with particular expertise in housing.  He used to serve as a Commissioner on the San Francisco Housing Authority where he helped oversee the renting and management of over 7,000 housing units for 25,000 low income residents.  He was also a member of the pre-development loan committee of the California Housing and Community Development Department.

James Bryant

Board Member

Started JBR Partners, Inc. in 2009, a community affairs company specializing in public utility and construction projects.  He has over 30 years of extensive professional experience as well in community outreach, public relations, group facilitation, contractor partnering, project management and documents, stakeholder engagement, marketing campaigns, labor negotiations and community advocacy, among others.  He spent six years in assisting PG&E and its subcontractors with its development and implementation of a comprehensive strategic communications program.

Lidell Page

General Counsel

Founder of Venture Group Law, PC, whose clientele list includes global trending institutions, international and domestic private equity and investment funds and private finance lenders, hedge funds, investors and other middle market companies.  He has acted as lead counsel in numerous ‘over $10 billion’ domestic and international finance and real estate transactions.

The National Diversity Coalition
Our affiliate

NAAC’s accomplishments this past few years have been significant and all-encompassing; striving to advocate under the National Diversity Coalition’s umbrella to maintain a powerful community voice among the Federal and State regulators and major private sector corporations to address public policy issues, and to focus on the wealth & income inequality affecting affordable homeownership and small business growth. With the NDC, NAAC’s outreach efforts have led to an increase in corporate social responsibility and consumer protection. We have been able to reach more people, collaborate with more companies, meet with more regulators, all in the name of helping deserving individuals become sustainable homebuyers, successful small business owners, protected consumers and empowering California communities. NAAC is at the forefront of helping people of color become partners in our mission to reduce income and wealth inequality and build stronger futures for all minority groups.