• multifamily
• seniorliving
• skilled nursing
• other commercial

Our Team

Tim O'Donnell, President, is responsible for the company's overall strategy, marketing, and originations. A 25-year veteran of housing finance, he has originated, structured and closed over 200 transactions involving FHA, Fannie Mae, Freddie Mac, securitized lenders, and conventional portfolio sources. In addition to his responsibilities at Eastern Mortgage Capital, he serves as Managing Director and Principal at Fantini & Gorga, New England's premier real estate investment banking firm in the areas market-rate, affordable, and seniors housing. Email Tim O'Donnell

Peter J. Panagako, Director, is responsible for originating FHA Insured transactions nationwide. As an underwriter and originator, Peter has been involved in 125+ FHA Insured transactions located in 38 states. His experience with FHA-insured projects extends beyond lending and includes tax credit syndication, asset management, and new construction development. Peter's direct experience with the FHA Insured programs from the borrower's side of the transaction gives him invaluable insight to achieve our clients' financial goals and to ensure accurate and efficient deal structuring. Email Peter Panagako

Peggy Lawrence, Vice President and Chief FHA Underwriter, oversees the company's underwriting, processing, regulatory compliance, and quality control. She is an approved MAP underwriter for both multifamily and healthcare, with extensive experience with Section 232, 223(f), 221(d)4, 223(a)7, and 241 loan transactions. An underwriter of MAP loans since the inception of the program, Peggy has underwritten over $200 million in FHA-insured loans. Earlier she served as a Multifamily Housing Representative and Asset Manager at the Boston HUD Office and as an FHA Loan Underwriter at a national FHA Insured Lender. Email Peggy Lawrence

George Fantini, Executive Vice President, directs the company's new business development and strategic planning. In a career that spans over 40 years, George has directly supervised the successful completion of hundreds of transactions involving taxable and tax-exempt debt, Low Income Housing Tax Credits, new construction of rental housing, debt restructuring, mezzanine financing, joint ventures, and equity. He is currently Chairman of Fantini & Gorga, which he co-founded in 1995. He has served as a director of the Massachusetts Housing Finance Agency (where he chaired the Investment Committee), Atlantic Bank, Northeast Savings, NAIOP, and the Boston Financial Group; and he has been a trustee of Meditrust and of Bentley College. In 1997 the Real Estate Finance Association honored him with the Robert Swain, Jr. Award for his distinguished contributions to the real estate finance industry. A noted speaker on industry trends, George is the principal author of the Master Money Matrix © series.

John R. Gorga, Executive Vice President, oversees the company's operations and investor relations. In addition to his responsibilities at Eastern Mortgage Capital, John serves as President of Fantini & Gorga, which he co-founded in 1995. Earlier, as a Principal at the Boston Financial Group, he became a specialist in arranging Section 42 affordable housing loans and private placement financing for corporate investors in institutional tax credit funds. An expert in structuring complex transactions, John has personally originated and placed over 200 financings for clients.

Heather Gambino, Servicing Manager, oversees servicing for the company and coordinates closings.  She currently handles a servicing portfolio with a balance in excess of $400 million.

Jill Gentile, Senior Loan Analyst, handles loan processing from initial sizing through financial analysis, document review, and submission.  A 15- year veteran of commercial banking, Jill joined EMC from within Eastern Bank.  She coordinates the efforts of other loan analysts from the Bank who provide additional expertise and professional support for Eastern Mortgage Capital's underwriting process.