Neighborhood Housing Services of Greater Cleveland is built on a solid foundation of human capital. Our team is comprised of community development industry professionals, who bring skill, experience, dedication, and enthusiasm to service our clients. They work collectively to advance our mission to provide programs to buy, fix, and keep homes. As a charter NeighborWorks® America organization. NHS of Greater Cleveland prioritizes clients’ needs and goals with excellence in professional service delivery. We strive to improve housing for the individuals and families we serve and the community at large.

Leadership Team

Michael Cosgrove, Executive Director

Mr. Cosgrove joined NHS of Greater Cleveland as Executive Director in January of 2018, having most immediately served as Director of Community Development for the City of Cleveland, where he led a department of more than 70 staff dedicated to improving the quality of life in Cleveland by strengthening city neighborhoods. Mr. Cosgrove  served the City of Cleveland beginning in 2002, first as an Assistant Director of Law before being promoted to Administrative Manager of the Neighborhood Stabilization Program in 2010 and then Assistant Director of Community Development in 2015. Mr. Cosgrove received a Master of Public Administration with a concentration in City Management from the Cleveland State University, Levin College of Urban Affairs in 2013. He received a Juris Doctor, summa cum laude, from Case Western Reserve University School of Law in 2000, and his B.A. in Political Science, summa cum laude, from the University of Dayton in 1997.


Gretchen Bowman, Client Attorney

Ms. Bowman joined the staff at NHS of Greater Cleveland in 2009. As Client Attorney, her practice includes representing borrowers in all stages of the foreclosure process including mediations, motions for post-judgment relief, and defense against post-judgment evictions. She has also litigated Fair Housing, Civil Rights, and Consumer Protection claims in front of the Department of Housing and Urban Development and the Ohio Civil Rights Commission. Prior to joining NHS of Greater Cleveland, Ms. Bowman worked for The Housing Advocates, where she practiced foreclosure defense. Ms. Bowman holds a B.A. from the University of California, Berkeley in Political Economy and a M.Sc. from the London School of Economics. She earned her J.D. from the Michigan State University College of Law in 2003 and is admitted to practice in Ohio and California. To contact Gretchen Bowman, please call 216.458.HOME (4663) ext 2331 or email

Mahria Harris, Director of HomeOwnership Services

Ms. Harris joined NHS of Greater Cleveland in 2004. As Director  of HomeOwnership Services, she is responsible for oversight of our Homebuyer Education Program, Financial Capability Counseling, and foreclosure prevention counseling in our HomeOwnership Preservation Program. Prior to joining NHS of Greater Cleveland, Ms. Harris worked in the non-profit sector for over seven years in Community Development. Ms. Harris earned her Associates Degree of Business Administration from Bryant & Stratton Business College. To contact Mahria Harris, please call 216.458.HOME (4663) ext 2319 or email

Vicktoria Kotov, Director of Lending

Ms. Kotov joined NHS of Greater Cleveland in 2014.  As Director of Lending, she plays a pivotal role in processing and underwriting applications for all of our lending programs. Prior to joining NHS, Ms. Kotov worked in a variety of different capacities within lending institutions, including functioning as an Underwriter, Default Operations Quality Control Analyst/Project Lead, and a Lending Operations Manager. Ms. Kotov received a Master of Urban Planning in Real Estate Design and Development from Cleveland State University and has completed Case Western Reserve University’s Weatherhead School of Business Executive Training. To contact Vicktoria Kotov, please call 216.458.HOME (4663) ext 2324 or email


Program Team

Pavithra Shri Balasundaram, Salesforce Administrator 

Ms. Balasundaram joined NHS as Salesforce Administrator in 2018. Ms. Balasundaram is an energetic and personable professional with extensive technical and data warehousing experience. She holds a Bachelor’s degree in Engineering and Computer Science. To contact Pavithra Balasundaram, please call 216.205.4476 ext 2600 or email

Jean Birt, Reverse Mortgage Information Center Representative

Ms. Birt joined NHS of Greater Cleveland in 2013. As the NeighborWorks® Reverse Mortgage Information Center Representative, she is responsible for ensuring a quality experience for callers seeking assistance with reverse mortgages and providing efficient referrals to NeighborWorks organizations nationwide. Prior to joining NHS, Ms. Birt worked for several years at The Cleveland Furniture Bank. She regularly represents NHS of Greater Cleveland at community collaboration events, and is our informal organizational ambassador Ms. Birt is  a graduate of the Cleveland Neighborhood Leadership Program and The Ohio State University Extension Master Gardener Certification Program. To contact Jean Birt, please call 216.458.HOME (4663) ext 2333 or email


Keith Davis, Financial Capability Counselor

Mr. Davis joined NHS of Greater Cleveland in 2015. As Financial Capability Counselor, he helps clients to take control of their financial futures. Prior to joining the NHS of Greater Cleveland Team, Keith worked in the financial services and mortgage industry for over 10 years of experience in the field and has received Credit Smart Training for Housing Professionals and Trended Credit Data through Counselor’s Corner. He has acquired CEUs in Community Financial Centers training for Financial Coaches; Regulating the Debt Collection Industry: CFPB Priorities and What Can be Done to Ensure Strong Rules; CFPB FinEx for light-touch financial education on credit-card debt; Building Skills for Financial Confidence; and Clients Seeking Rental Housing. Keith brings a wealth of experience in bankruptcy, budgeting, and credit counseling; community outreach, and assisting clients with fixed annuities. To contact Keith Davis, please call 216.458.HOME (4663) ext 2338 or email


Becky Geier, Reverse Mortgage Counselor

Ms. Geier joined NHS of Greater Cleveland in 2008.  Ms. Geier has been involved with NeighborWorks® America and its development for over 25 years. Throughout this time she has received training and certification in 23 areas of home ownership counseling, including but not limited to Reverse Mortgage, Advanced HECM, and Credit Counseling. Ms. Geier’s experience also includes Community Lending, Loan Servicing, Financial Fitness, Project Management, Home Ownership Counseling, and Foreclosure Prevention among others. Ms. Geier also has more than 20 years of neighborhood organizing experience in her community, where she currently volunteers to help seniors. To contact Becky Geier, please call 216.458.HOME (4663) ext 2329 or email

Breaunna Goldsby, Receptionist

Ms. Goldsby joined NHS of Greater Cleveland in 2016.  Ms. Goldsby has a strong background in customer service and retail and is working to complete an Associates Degree in Human Services, with the plan of becoming a mental health counselor. Ms. Goldsby has a demonstrated ability to make a positive impact in the lives of others through her work. Each day, she greets with client, stakeholders, and constituents with compassion, poise, and kindness. No matter how large or small the task, she embodies “Home is where you are loved.” To contact Breaunna Goldsby, please call 216.458.HOME (4663) ext 2310 or email

Bridget Holmes, Customer Service Associate

Ms. Holmes joined NHS of Greater Cleveland as an AmeriCorps VISTA Member in July of 2016. As a VISTA Member in the Affordable Housing and Development program, Ms. Holmes built capacity for the NHS of Greater Cleveland Lending Department and Community Land Trust Program to provide affordable housing to low-to-moderate income families in Northeast Ohio. Prior to joining NHS, Ms. Holmes’s work experience has been in finance and accounts receivable. Ms. Holmes is looking forward to the opportunity to combine her work experience with her education in social work in effort to increase home ownership comprehension, achievement, and retention for low income families and communities. Ms. Holmes is currently a Bachelor of Arts in Social Work at Cleveland State University. To contact Bridget Holmes, please call 216.458.HOME (4663) ext 2314 or email

Jose Lopez, Lending Specialist

Mr. Lopez Joined NHS of Greater Cleveland in 2015. As a member of the Lending Team, he assists customers in applying for different lending programs offered by NHS of Greater Cleveland. Prior to joining NHS, Jose’ worked in the mortgage banking industry for over 15 years. He brings years of experience in default resolution, loss mitigation, foreclosure prevention and community outreach. To contact Jose’ Lopez, please call 216.458.HOME (4663) ext 2328 or email


Terry May, Construction Specialist

Mr. May joined NHS of Greater Cleveland in 2014 as a Construction Specialist where he is responsible for inspecting and processing rehabilitation construction escrow accounts. Terry has over 11 years of experience in the construction management field, last serving as a Construction Manager at Cleveland Action to Support Housing (CASH). Terry has completed his training as a Rehab Specialist for single & Multi-family homes with NeighborWorks® Construction Management Training. To contact Terry May, please call 216.458.HOME (4663) ext 2339 or email

Phoebe McIntosh, Receptionist

Ms. McIntosh joined NHS of Greater Cleveland in March 2018. Prior to being employed by NHS, she worked with AARP in their Senior Community Service Employment Program (SCSEP). This was a program designed to assist senior citizen find either part-time, or full time employment. Ms. McIntosh had been retired for six years after working for Progressive Insurance. Prior to Progressive she had worked as a chemical lab tech in a power plant, Cardinal Operating (AEP), for many years, as well as working as an employee in a steel mill for Wheeling-Pittsburgh Steel in Wheeling WV. To contact Ms. McIntosh, please call 216.205.4476 ext 2316 or email

Stephanie Jones-Melton, Foreclosure Specialist

Ms. Jones-Melton joined NHS of Greater Cleveland in 2017 as a Foreclosure Specialist. She is responsible for providing foreclosure prevention counseling services. Stephanie brings over 15 years of experience in the mortgage industry, including foreclosure, collections, mortgage assistance, and customer service. To contact Stephanie, please call 216.458.HOME (4663) ext 2335 or email


Mary Nighswander, Underwriter

Ms. Nighswander joined NHS of Greater Cleveland in 2016 as a member of our Lending Team. Prior to joining NHS, Ms. Nighswander has worked the last 20+ years in the banking/mortgage industry. Her background includes title/escrow work, loan processing, loan closings and underwriting. Ms. Nighswander received her BA in Political Science from Cleveland State University. To contact Mary Nighswander, please call 216.458.HOME (4663) ext 2330 or email


Elizabeth Sanchez, HomeOwnership Center Manager

Ms. Sanchez joined NHS of Greater Cleveland in 2003 and has brought a diverse set of skills, including the ability to development and administer a bilingual homeownership program. Ms. Sanchez is also responsible for conducting pre-purchase homebuyer workshops, developing credit repair and home buying action plans for individual counseling sessions and maintaining the schedule of appointments and client records for participants in the HomeOwnership Center. Ms. Sanchez has been in the non-profit field for over 13 years with sustainable success and career advancement. To contact Elizabeth Sanchez, please call 216.458.HOME (4663) ext 2320 or email



Leonard Washington, Construction Manager

Mr. Washington joined NHS of Greater Cleveland in August of 2017, having worked for many years as a housing inspector for the City of South Euclid, and as a business owner and construction manager at Beyond Construction. Mr. Washington has managed off-site contractors in 37 counties in Ohio, with responsibility for the upkeep and maintenance of bank- and privately owned residential and commercial properties. In his role as Construction Manager for NHS of Greater Cleveland, Mr. Washington works very closely with our Land Trust Program team, creating and managing the property acquisition pipeline and subsequent property development. He also provides construction and property management, develops proforma for construction, conducts lead and asbestos risk assessments. Mr. Washington is a certified PHII Home Inspector and a certified InterNACHI home inspector; he earned a Bachelor of Arts in Urban Development from North Texas State University. To contact Mr. Washington, please call 216.458.HOME (4663) ext 2314 or email