Roland Gagnier Mr. Gagnier has worked in real-estate development and as a development consultant to elderly and special-needs, housing projects since 1980.  His resume reflects multifamily-housing projects completed with the HUD and FHA financing programs of Section 202, Section 811, Section 221 and Section 232/223(f), HOME and McKinney.  Mr. Gagnier's work in federal programs continues along with various state and local financing instruments.  Mr. Gagnier has personally been involved in the development of more than 200 housing projects around the country.  He is a graduate of the College of the Holy Cross in Worcester, Massachusetts. Email Roland David R. Dutra Mr. Dutra has been involved in a wide range of real estate-related activities since 1982, including the acquisition and management of multi-family housing and project development. Prior to joining Gagnier, Hicks in 1998, he was chief operating officer of New England Mortgage Associates which successfully liquidated a $48 million portfolio of mortgages and real estate acquired from the Resolution Trust Corporation. Currently, Mr. Dutra facilitates refinance of existing HUD Section 202 direct loans. He is a graduate of the College of the Holy Cross (B.A.) and Worcester State College (M.Ed.), both in Worcester, Massachusetts. Email David Joseph Wojtowicz Since Joseph Wojtowicz joined Gagnier, Hicks Associates in 1993, he has aided our clients in the creation of more than 60 multifamily-housing projects for the elderly and special-needs populations.  His responsibilities include project management and meeting GHA's management information systems and operational needs. Mr. Wojtowicz is a graduate of Syracuse University (B.S.) in Syracuse, New York. Email Joseph Elizabeth Hoff Prior to her employment at Gagnier, Hicks, Ms. Hoff worked as a paralegal and as a freelance indexer. Presently, she manages the production of Section 202 and Section 811 projects at GHA. Ms. Hoff is a graduate of Duke University in Durham, North Carolina. Email Elizabeth