Board of Directors

GMHF board members hail from all parts of the state.

Greater Minnesota Housing Fund board members represent every region of Minnesota and include elected officials, community advocates, architects, bankers, and housing finance experts.

Mitchell Berg has over 16 years of state, local, and tribal government experience, having worked on several affordable and workforce housing projects within rural MN cities, suburban MN/WI communities, and the cities of Mankato, Duluth, and Minneapolis. Mitchell has been with the City of Mahnomen, a community located entirely within the boundary of the White Earth Reservation, for over 8 years. While serving as the City Administrator he initiated several housing projects including, but not limited to receiving two Small Cities Development Block Grants (SCBG) and assisting the White Earth Nation in their efforts to secure MHFA funding for a 24-unit permanent supportive housing development. In addition to serving a majority Native population, Mitchell has a Ph.D. in Management and Public Service, is of Korean descent, and is a champion of Diversity and Inclusion. He has not only served on a number of local and statewide boards and committees, but he has also lobbied at the legislature on housing and equity barriers.
Kim Bretheim has more than 30 years of architectural experience in residential design and has been the Housing Studio Leader at LHB since 2001. Mr. Bretheim is involved in affordable and supportive housing developments throughout Minnesota, including affordable rental housing, permanent supportive housing with services for homeless persons, affordable family housing, and mixed income, mixed use developments. Mr. Bretheim’s organization works to incorporate sustainable features into all developments and has been a strong supporter of GMHF’s Green Communities program.
Stephanie Cummings is Chief Retail Banking Officer at National Bank of Commerce.  Duluth, MN. She oversees all Retail, Mortgage, and Private Banking, sales in Northern MN and Wisconsin communities and brings over 35 years of banking, underwriting, and affordable housing experience. She is also currently serving on the advisory board of Duluth LISC as board chair.
Joseph Errigo (Board Secretary / Treasurer) served for 35 years as the first President and CEO of CommonBond Communities, the largest nonprofit provider of affordable housing with support services in the Upper Midwest, and one of the nation’s leading community development organizations. He has been an instructor in urban studies at the University of Minnesota and a guest lecturer at Macalester College, Metropolitan State University, the College of Saint Catherine and the business schools at the University of Saint Thomas and the University of Minnesota. Mr. Errigo holds a Master Degree in City and Regional Planning from the University of North Carolina, and a bachelor’s degree in Architecture from the Catholic University of America.
Rosy Hjermstad came to Minnesota as an AFS Intercultural Fellow from Merida, Venezuela in 1994. Currently, she serves as the Assistant Director of Admissions at Bemidji State University. She specializes in marketing, recruiting, and program management. She has 16 years of combined experience in housing and youth mentoring, including 12 years providing housing support services, homebuyer education, and one-one financial advising at MMCDC and White Earth Investment Initiative. Additionally, Ms. Hjermstad has experience in higher education administration. She is a passionate advocate for public service, working families, student academic success, immigration reform, the environment, and affordable housing. She holds a master’s degree in Public Affairs from the Humphrey School of Public Affairs at the University of Minnesota, and a Bachelor of Science degree from Bemidji State University.
Natalie Jones is 2nd Vice President, Principal Banker at West Bank in Rochester, MN. She has worked in the banking industry for the past 21 years, specializing primarily in retail banking services. Ms. Jones served as Chair of the board of directors for the First Homes Community Land Trust program through the Rochester Area Foundation. A board she proudly served on for nine years as both a participant and community board member.  Ms. Jones is passionate about affordable housing and giving back to the community. She is a graduate of the University of Minnesota with a degree in African American/African Studies and Educational Psychology.
Cheryl Key has over 25 years of experience in the field of affordable housing, including 14 years as an administrator of the First Homes Community Land Trust at the Rochester Area Foundation which developed and managed over 200 affordable homes. Previously she worked for the Southeastern Minnesota Multi-County Housing and Redevelopment Authority (SEMMCHRA) and served on the Lake City EDA Board. Ms. Key is currently a Wabasha County Fifth District County Commissioner (Lake City), and also serves on several other boards/committees appointed through Wabasha County.
Stephanie Klinzing was first appointed to the Minnesota Housing Finance Agency (MHFA) Board in 2011 and is MHFA’s representative to Greater Minnesota Housing Fund’s Board of Directors. She was appointed to the Minnesota Board on Aging in 2016 and continues in that position. She currently serves as a member of the ECM/Adams Publishing Editorial Board. Ms. Klinzing lives in Elk River (Sherburne County). She is a member of the Lac Courte Oreille Band of the Lake Superior Chippewa. Ms. Klinzing served for 12 years as Mayor of Elk River, and also served in elected office in the Minnesota House of Representatives and on the Sherburne County Board of Commissioners.
Angela Larson is from Marshall in rural southwest Minnesota. Ms. Larson is the Family Services Director at United Community Action Partnership where she works to end poverty and homelessness through services, education, and fighting for systems change. She has more than 27 years experience in the social service industry in Minnesota. Ms. Larson has initiated and overseen the development and expansion of many service programs in her area including VITA Tax Clinics, Emergency Shelter, Rapid Rehousing Programs, Refugee Resettlement, and increasing Food Security. She has a BA in Sociology from Southwest Minnesota State University.
Emily Larson was elected Mayor of Duluth in November 2015 with 72% of the vote, was inaugurated on January 4th, 2016, and reelected in November 2019. Prior to becoming Mayor, Emily was President of the Duluth City Council, a commissioner on the Duluth Economic Development Authority, and was the Council conduit to Parks and Libraries. Mayor Larson has served on the Executive Council of the Young Women’s Initiative of Minnesota, the Mayors Advisory Council on Coastal Resilience, the Greater Minnesota Housing Fund Board of Directors, Minnesota Mayors Together, and the Minnesota Sea Grant Advisory Board. As Mayor, her priorities include: addressing economic, racial, and opportunity disparities city-wide; advancing energy efficiency and climate resilience; increasing and improving our affordable housing stock; ensuring every resident has access to reliable, high-speed broadband internet, and; continuing to grow Duluth’s robust and unique economy. Emily earned an undergraduate degree from the College of St. Scholastica, a master’s degree from the University of Minnesota Duluth.
Jennifer Mendoza has been the Career Development Navigator and Community Liaison for CLUES since 2018 where she completes grant researching and writing. She works to arrange the economic advancement of low-income individuals through course certifications and expands employment abilities through one-on-one assistance. Prior to CLUES, Jennifer was with the Statewide Health Improvement Partnership (SHIP) working with the community to distribute funding and increase partnerships with health options in Kandiyohi and Renville Counties. She worked closely with individuals and minority run businesses to create new partnerships. In addition, Jennifer has worked with PACT for Families Collaborative’s GUIA Program to create and maintain bonds with families and youth to distribute resources, knowledge, and increase abilities of these individuals.
Todd Prafke has served the City of St. Peter as the City Administrator since 1997, arriving just months before a devastating tornado in March 1998. His innovative ideas helped the City and its residents recover. He has been instrumental in development of three affordable housing subdivisions and numerous multi-family developments in the community and continues to champion efforts to bring affordable housing of all types to St. Peter. He has been a community builder and a key contributor to the development of partnerships throughout the Saint Peter area with various boards, non-profits and local units of government. Mr. Prafke has served on the League of Minnesota Cities Insurance Trust board for 21 years, seven as its Chair and is on the Mankato Area Foundation Board. He has a Master’s in Public Administration from Hamline University and a BS in Political Science from Minnesota State University, Mankato.
Char Roberts is a member of the Red Lake Band of Chippewa Indians and started employment with the Red Lake Reservation Housing Authority (RLRHA) in December 2000, as a Resident Service Specialist. She was promoted to Finance Manager in August 2009 and has been with RLRHA for 22 years. As the Resident Service Specialist, she oversaw the Off-Reservation Down Payment Assistance Program and attended loan closings and rental assistance meetings (securing the first and last month’s rent and Security deposits). In addition, she provided training in homebuyer education, credit counseling, and financial planning to prospective and current homebuyers and rental clients. In 2016 after completing required courses, was awarded the National American Indian Housing Council (NAIHC) Leadership Institute Professional Indian Housing Manager (PIHM) Certification.
Dale Roemmich is a former GMHF BOD Chair and has over 40 years of banking experience and was the President/CEO of First Farmers & Merchants National Bank from 2007-2021. He continues to serve on their BOD. Mr. Roemmich was formerly the President and Member of the BOD of United Prairie Bank in Slayton, and Senior Vice President, Chief Lending officer and member of the BOD at Union State Bank in Hazen, North Dakota. Mr. Roemmich is a former BOD member of the Southwest Minnesota Housing Partnership and has extensive experience in asset management as a current member of their Property Management Committee. He is knowledgeable in all aspects of multi-family lending. Mr. Roemmich has a BS Degree from North Dakota State University, Fargo and graduate of the Colorado Graduate School of Banking.
Nancy Vyskocil (Board Chair) has served as president of the Northwest Minnesota Foundation since January 1, 2008. Previously, she was chief financial officer and vice president of the Lake Region Electric Cooperative, Pelican Rapids, with over 25,000 members and $67 million in assets. She has also worked as assistant controller and director of administration for Arvig Enterprises, Inc., a family communication companies, and as general manager of Royale Leasing, Inc., a human resource consultant and employee leasing firm, both located in Perham. Ms. Vyskocil earned a master’s degree in business administration from North Dakota State University, Fargo, and a Bachelor of Science degree from Bemidji State University.
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