David B. Cardwell is Vice President of Capital Markets and Technology, with principal responsibility for multifamily housing, finance and technology issues.  Before joining the Joint Legislative Staff, he was Senior Manager for Product Development at Freddie Mac, where he developed and implemented new multifamily mortgage products.  Other positions at Freddie Mac include Manager of Loan Production and Product Development and Manager of the Community Development Investment Group. 

Prior to joining Freddie Mac, Cardwell served in the Office of Affordable Housing Programs at the U.S. Department of Housing and Urban Development, as Director of Business and Redevelopment Activities for Trammell Crow Residential, and as Economic Development Director for the city of Falls Church, VA. 

He holds a Masters degree in City and Regional Planning from the University of Virginia and a Bachelor of Arts degree from the University of Maryland.