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  • Writer's pictureGail Montgomery

"Navigating the Future: Insights from CHFA's Debbie Herrera on Mission, Adaptability, and Personal Growth"

(You can also view us on Spotify or listen to it on Apple Podcasts. )

Debbie Herrera Headshot

In the ever-evolving landscape of finance and housing, organizations like the Colorado Housing and Finance Authority (CHFA) play a crucial role in shaping the communities we live in. Our recent episode of Trailblazing for Success Vodcast featured a captivating conversation with Debbie Herrera, the HR leader at CHFA, providing unique insights into their mission and the challenges they face.

Mission with a Heart

At the core of CHFA's mission is the commitment to financing the places where people live and work. Debbie eloquently describes CHFA as a "lender with a heart," emphasizing their status as a mission-based lender dedicated to serving the state of Colorado in three essential ways.

  1. Empowering First-Time Homebuyers: CHFA collaborates with a network of lenders across the state, offering down payment assistance and first-time home mortgages. Their goal is to make homeownership a reality for individuals who may face financial barriers.

  2. Supporting Multifamily Development: CHFA's impact extends to the development of multifamily housing, ensuring that apartment complexes align with affordability goals. As Debbie notes, you might be driving past an apartment complex in Colorado that CHFA had a role in developing.

  3. Boosting Business Finance: Small businesses on Main Street, Colorado, benefit from CHFA's administration of various programs aimed at providing essential funds. This multifaceted approach reflects CHFA's commitment to fostering economic development across the state.

Power Skills and Adaptability

Debbie's insights into the world of business extend beyond CHFA's operations. When asked about the key power skill for success, she points to adaptability. In the era of artificial intelligence and rapid technological advancements, adaptability becomes paramount.

Debbie emphasizes the importance of acknowledging the fear associated with these changes and fostering a mindset of collaboration. The vodcast delves into soft skills, highlighting the value of teamwork, collaboration, and inclusivity in navigating the complexities of the modern business landscape.

Challenges and Opportunities Ahead

Looking forward to 2024, CHFA faces the challenge of maintaining a sense of connection in a predominantly virtual world. As organizations globally grapple with hybrid work models, CHFA seeks to find the balance between virtual flexibility and the richness of in-person interactions.

On the personnel front, the organization anticipates a shift as high-tenure employees approach retirement. The challenge lies in effective knowledge management and creating a culture that values the sharing of expertise, moving away from the traditional celebration of knowledge hoarding.

Personal Growth and Community Impact

On a personal note, Debbie shares the highlights of her transformative 2023, marked by extensive personal growth and travel experiences. As 2024 unfolds, her focus is on building upon these experiences and nurturing relationships that have enriched her life.

Debbie's commitment to personal development aligns seamlessly with CHFA's mission-driven approach. Her passion for community impact and innovation serves as an inspiration, both within the organization and beyond.


The conversation with Debbie Herrera provides a glimpse into the multifaceted world of CHFA and the dynamic leadership steering its mission. As we navigate the challenges and opportunities that lie ahead, the commitment to adaptability, collaboration, and community impact remains at the forefront.

Stay tuned for more trailblazing conversations on our Trailblazing for Success Vodcast, where leaders like Debbie Herrera share their insights, inspiring us to shape a future marked by innovation and positive change.



CHFA strengthens Colorado by investing in affordable housing and community development. We offer financial resources to strengthen homeownership, affordable rental housing, and businesses. Our participating lenders and community partners help us deploy our resources statewide. Together with our partners, CHFA has invested more than $32.5 billion in Colorado's economy. The CHFA team works together throughout Colorado to increase the availability of affordable, decent, and accessible housing for lower income Coloradans; and strengthen the state's economy by providing financial assistance to businesses.


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