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Authors

Jacob Channel

Jacob Channel is a senior economic analyst for LendingTree, where he conducts studies on a wide variety of subjects related to the U.S. housing market and provides general macroeconomic analysis. His work has appeared in major publications including The New York Times, Bloomberg, Forbes and CNBC. He earned a bachelor’s degree and a master’s degree in economics from The New School, and he is based out of New York City.
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Lu Chen

Lu Chen is a senior economist at Moody’s Analytics CRE. She has deep knowledge of urban economics and credit risk with special interests in senior housing and urban migration.
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Kenon Chen

Kenon Chen is executive vice president of strategy and growth for Clear Capital, a real estate technology company that offers valuation services, data and analytics tools. Chen sits at the intersection of the executive, product, marketing and sales teams, guiding growth and ensuring the company delivers consistent and long-term value to customers and partners. Chen has developed and launched some of Clear Capital’s most forward-looking solutions, including ClearProp and ClearCollateral.
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Max Chera

Max Chera, managing partner and co-founder of Express Capital Financing, is a recognized expert in real estate and hard money lending. Max built a successful brokerage by age 21, mastering high-volume sales and mentoring agents nationwide. With extensive experience as a broker and strategic adviser, Max has become the go-to expert for investors seeking tailored solutions and sustainable growth.

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Janice Chernitzky

Janice Chernitzky is a national wholesale account executive at LendSure Mortgage Corp. Within one year, she proved her exceptional capabilities and quickly rose the ranks to become a Platinum Club and Founders Club member, both high honors within the company for account executives with stellar sales records. Chernitzky is bilingual in English and Spanish, and she has developed many connections within the Hispanic community. Learn more about LendSure at lendsure.com.
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Santo Chiarelli

Santo Chiarelli is a partner in charge of the mortgage banking practice at ACS LLP, a firm of certified public accountants and financial advisers based in Iselin, New Jersey. ACS is an associate member of the Community Home Lenders Association. For the past 30 years, Chiarelli has provided accounting and auditing services to industries such as mortgage banks, debt-collection services, construction contractors and asset-based lenders.
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Kurt Chilcott

Kurt Chilcott is president and CEO of CDC Small Business Finance, a nonprofit certified development company established in 1978. Chilcott is a nationally recognized leader in economic and community development and small-business finance. Under Chilcott’s leadership, CDC Small Business Finance has led the nation in SBA 504 loan production for nearly 20 years. It has leveraged $13.8 billion in small-business loans since its inception.
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Kevin Choquette

Kevin Choquette is the founder of Fident Capital, which serves middle-market commercial property developers and investors. His expertise includes sourcing joint venture equity and debt financing for opportunistic and value-add projects in primary and secondary western growth markets with an emphasis on for-sale and for-rent housing and hospitality. Prior to starting Fident Capital in 2005, Choquette was an associate at La Jolla Capital Partners and held senior management positions with two venture-backed, Internet-music-industry companies.
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Rob Chrane

Rob Chrane is founder and CEO of Down Payment Resource and is a leader in the homeownership affordability space. A 30-year housing industry veteran, Chrane launched a comprehensive database of U.S. homebuyer assistance programs and develops tools that enable lenders, borrowers and real estate professionals to connect homebuyers with affordability programs.
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Tai Christensen

Tai Pherribo Christensen is co-founder and CEO of Origin & Oak Creative, a marketing and communications agency specializing in culturally competent, inclusive messaging. With over two decades of mortgage industry experience, Tai has received multiple recognitions. She is a nationally known speaker and thought leader on equitable housing access. Her five-generation family heritage in North Carolina keeps her connected to traditions of hospitality, storytelling and resilience — values she carries forward in her work helping organizations reach underserved communities.

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Marc Cisneros Jr.

Marc A. Cisneros Jr. is CEO and co-owner of CS Innovative Insurance Solutions, an independent agency in San Antonio. He specializes in insurance programs catering to mortgage brokers, including errors-and-omissions coverage; commercial insurance; surety bonds; medical insurance; and home, rental and commercial insurance for clients.
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Alexandra Ciuntu

Alexandra Ciuntu is a creative writer and researcher for RentCafe. With a background in e-learning content writing and a passion for knowledge-sharing platforms, she has covered topics from property technology to renters insurance and interior design tips. Because she is personally familiar with the renter lifestyle, Ciuntu enjoys researching and writing about renter demographic shifts and residential real estate market trends. Her articles have been featured in several national and international online publications, including The New York Times, Barron’s, Inman, Forbes, Architectural Digest, Marketwatch, Bisnow and Curbed.
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