About Us

Our Mission

Impact Development Fund creates economic opportunity by delivering flexible capital to strengthen under-served Colorado communities.

Our Values

  1. Respect
    IDF believes people are the greatest asset of our company and of the communities we serve. We respect the dignity and aspirations of all individuals as they seek personal fulfillment and we strive to ensure that all communities have an equal access to opportunity.
  2. Commitment
    IDF demonstrates unwavering commitment to its employees, volunteers, customers, partners and the larger community through transparent communication and responsible stewardship of the resources for which it has been entrusted.
  3. Excellence
    IDF delivers superior results through financial and operational
    integrity, acceptance of personal and organizational accountability, and continuous improvement to ensure the long-term sustainability of our
  4. Innovation
    IDF eagerly responds to needs within the community by listening to its customers and partners, adapting to changing conditions, and pursuing solutions that deliver the greatest positive impacts within the community. (We derive insight both from our mistakes and our successes and convert this into shareable knowledge and practices.)
  5. Collaborations
    IDF seeks to leverage existing resources and relationships within the community while developing new partnerships to create an effective and sustainable business model. We work best when we embrace a diversity of voices and perspectives.

Numbers Don’t Lie

Over the last 20+ years, Impact Development Fund has provided economic development financing and technical assistance across the housing continuum to create a lasting legacy of affordable housing throughout Colorado.

3074Cumulative Loans
165MCumulative Dollars Financed
14319Cumulative Housing Units
2 BillionFinancing Leverage
meet our team

Talents Behind Our Success

The Impact Development Fund team is full of talented and motivated individuals who are passionate about what they do and the Colorado community that they serve. Each and every one of our employees believes firmly in our mission. They continue to give their all to assist in the economic development of communities in Colorado.

Executive Director

Sean Doherty CFA, CPA

Sean Doherty is the Executive Director of Impact Development Fund (IDF), a Colorado-focused Community Development Financial Institution (CDFI) located in Denver. IDF has been providing financing capital throughout the state since 1999 in support of affordable housing and nonprofit facilities projects. 

Sean moved to Colorado from Maryland in 2015 where he spent over 25 years in commercial banking, brokerage and community development finance. Prior to joining IDF, Sean was the CFO for Baltimore Community Lending, another CDFI focused on the development needs of the City of Baltimore. He maintains designations as a CPA and CFA. 

Sean currently lives in Northern Colorado with his wife and the 3 youngest of his 6 children.

Director of Commercial Lending

Joe Rowan

With a background that includes mortgage brokerage and banking, Joe joined Funding Partners in 2001 to oversee all lending operations.  He was elevated to Executive Director in 2004 before leading an effort to consolidate operations with MHCLF in 2016.  

In his current capacity with Impact Development Fund, Joe oversees all commercial lending activities while developing new business opportunities for the newly combined company.  

Director of operations

Megan Ferguson

Originally joining Funding Partners in 2008, Megan brings a background in marketing, retail banking and residential mortgage lending.  Utilizing these strengths, Megan oversees all loan origination and servicing operations, processes and policies. As Director of Operations, Megan is responsible for informing and overseeing implementation of micro and macro organizational operations strategies.  

Megan holds a Bachelor of Science Degree in Business Administration with a Marketing concentration from Colorado State University, and is a licensed Mortgage Loan Originator in the State of Colorado.

Megan currently lives in Northern Colorado with her husband and three children. 

Loan Portfolio servicing manager

Gina Winterhalder

Contact For: Loan Account Activity, Monthly Payments, Payoff Requests and Lender Portfolio Management

Loan Program Manager

Whitney Fraughton

Contact For: Single Family Loan Programs, Program Management and Single Family Loan Applications

accounting and Finance Manager

Shanti Long

Contact For: Accounting, A/R-A/P, Organization Financials

Senior Administrative Specialist

Rachel Tweedy

Contact For: Loan Account Activity, Monthly Payments, Escrow Payments and Payoff Requests

loan specialist

Coren Hanscome

Contact For: Single Family Loan Applications, Loan Applications in Process, Underwriting, Program Inquiry

IDF General Inquiry

IDF Email

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Our History


Combining Forces

MHCLF acquired Funding Partners for Housing Solutions (FP) , another prominent Colorado-focused CDFI serving the state’s low and moderate-income populations. MHCLF and FP have worked in exceptional, close-collaboration over the years to maximize availability of capital for the benefit of low and moderate-income households across Colorado.


Community Oriented

While MHCLF has deep roots in affordable housing financing, by 2008 the organization had evolved into a broader community financing resource. To reflect the growth and expansion of the Fund, the name was changed in 2008.


CDFI Assessment Rating System

MHCLF further expanded its markets to include the entire Front Range and resort counties in 2007. That same year MHCLF volunteered to participate in the CDFI Assessment Rating System (CARS) process and became one of the first 30 CDFIs in the country to complete the rigorous independent review and rating process.


Long Term Loans

MHCLF began making community facilities loans and introduced its mini-perm product to meet the need for longer term loans.



In 2003, Funding Partners expanded its geographic market to include the entire state in recognition of the markets served by bank investors and lack of adequate resources in rural areas. 


Branching Out

MHCLF expanded their market area to include the seven county Denver metropolitan area. The City and County of Denver supported this regional approach and matched investments from the cities of Arvada, Lakewood, Boulder, Glendale and Englewood to further stabilize the young organization. The name of the fund was changed to the Mile High Housing Fund to reflect the regional focus of the growing organization.


Creation of H2O

MHCLF was founded to provide a source of early stage capital for organizations developing affordable housing in the City and County of Denver.

  • Funding Partners introduced the House to Home Ownership (H2O)® program as a more flexible option for first-time buyers in need of assistance to acquire their home.

The Beginning

Funding Partners was incorporated as a 501c3 non-profit and subsequently certified as a Community Development Financial Institution (CDFI) in 1999. Originally the organization was a revolving loan pool to promote availability of safe, adequate housing affordable to working households in the Fort Collins-Loveland market.


What They Are Saying

    At Impact Development Fund, we have a passion for helping people. In Colorado, there are too many under-served communities. We've made it our mission to assist these communities by providing loans to non-profits, families, and developers.


    200 E. 7th St., Suite 412
    Loveland, CO 80537


    (970) 494-2021