Our Experts

Julia Gordon

Executive Vice President

Julia Gordon is the executive vice president of the National Community Stabilization Trust. As a national expert on housing finance, mortgage, and foreclosure issues, Gordon drives NCST’s policy work, which focuses on federal, state and local policies related to neighborhood stabilization, blight and foreclosure prevention. She also oversees the Neighborhood Stabilization Initiative, a program that provides local community development organizations with a “first look” opportunity to acquire Fannie Mae and Freddie Mac REO properties in 18 different cities.

Prior to joining NCST, Gordon served as the Senior Director of Housing and Consumer Finance at the Center for American Progress (CAP). Other positions include managing the single-family policy team at the Federal Housing Finance Agency, serving as senior policy counsel at the Center for Responsible Lending, and working in a variety of positions in the legal aid field.

Gordon received her bachelor’s degree in government from Harvard College and her J.D. from Harvard Law School.


Theo Chang

Senior Policy Associate

Theo Chang is a Senior Policy Associate at the National Community Stabilization Trust. She previously served as an internal change management consultant at Fannie Mae, where she worked with loan servicing, acquisitions, and credit enhancement teams to improve team culture and efficiency.

Prior to that role, she held policy positions in nonprofit organizations as well as in local and federal government agencies, where she worked on interdisciplinary issues impacting low-income communities.

Theo holds a bachelor’s degree in international relations and human biology from Stanford University and a master’s degree in International Education Policy from Harvard University.