Our Mission
The mission of the Falmouth Housing Trust is to enhance the community of Falmouth by developing and maintaining sustainable, affordable, and attainable workforce housing.
Who We Are
Organized in 1986, the Falmouth Housing Trust, Inc. became an independent 501(c)3 charitable organization that works in conjunction with local agencies and town government to provide housing options for our workforce.
What We Do
The Trust works to develop and maintain affordable workforce housing for low-to-moderate income people – individuals or families living in Falmouth who earn 80% of Area Median Income (AMI) or less.
The Trust also works to develop housing that is affordable and attainable for households earning up to 100% and 120% of Area Median Income (AMI).
Barnstable County 2025 AMI-Max Income
| Household Size | 1 Person | 2 People | 3 People | 4 People | 5 People | 6 People |
|---|---|---|---|---|---|---|
| 80% AMI-Max Income | $74,800 | $85,450 | $96,150 | $106,800 | $115,350 | $123,900 |
| 100% AMI-Max Income | $95,700 | $109,400 | $123,100 | $136,700 | $147,700 | $158,600 |
| 120% AMI-Max Income | $114,480 | $131,280 | $147,720 | $164,040 | $177,240 | $190,320 |
| 140% AMI-Max Income | $133,980 | $153,160 | $172,340 | $191,380 | $206,780 | $222,040 |
The Falmouth Housing Trust builds homes for 80% AMI households, as well as for households earning up to 140% of AMI.
Applicants may be eligible for housing with income at or below 80%, 100%, 120%, and 140% AMI (see table), and less than $75,000 in assets.
With an eye toward small, strategic projects, the Trust acquires properties and creates housing to fit into the landscape of the community. This housing is sold to qualifying, working individuals at affordable prices.
FHT works with neighbors and the Town of Falmouth in an effort to create housing that is supported and accepted by the community.
Properties are built or renovated to Energy Star standards and include modern conveniences. Typically, house sizes range from two-three bedroom with one-two bathrooms and include an open floor plan.
The Trust also owns and manages the Odd Fellows Hall rental property that consists of four micro unit apartments.
Stephanie McDowell is a CPA based in Falmouth with over 30 years of accounting and tax experience. She serves individuals and small businesses, with a specialization in Construction clients. She also works extensively with estate and trust taxation.
Thomas “Tom” Zine is a retired Massachusetts State Trooper and U.S. Army veteran Thomas Zine with a 30+ year history of public service in Falmouth. A licensed construction supervisor with experience in residential building and remodeling, he brings practical construction industry knowledge to local decision-making. Tom has served on the Falmouth Planning Board as Clerk/Secretary and the Falmouth Community Preservation Committee, focusing on responsible development, housing, and preservation. He has also been active in grassroots efforts to protect open space and guide thoughtful growth in the community.
Brendan Crane is Vice President of Crane Appliance, a family-owned appliance company serving Cape Cod and the Islands for more than 40 years. Prior to joining the family business, Brendan built a career in entertainment and media, specializing in non-fiction storytelling and creative strategy with a strong focus on nonprofit partnerships and social impact projects. He brings a creative, community-focused perspective to both business and civic involvement in Falmouth.
Lori Andrews has held a variety of leadership roles in HR, finance, audit and IT during a 40+ year career in financial services-insurance, public accounting and government. Lori retired from Liberty Mutual in 2021 as Senior Vice President and Manager of Global Total Rewards. In that role, ensuring more than 45,000 employees receive fair and competitive compensation and benefits worldwide. Lori has served on the Partners for Youth with Disabilities Board of Directors since 2020.
Maro Titus has a deep connection to the Falmouth Community that dates back to her childhood, shaping her passion for the area. Leveraging her successful career in healthcare administration, Maro has transitioned her expertise to Kinlin Grover Compass Real Estate. As a dedicated agent, she strives to understand each client’s unique needs, bringing a wealth of marketing knowledge and enthusiasm to the real estate practice. With a background in executive leadership encompassing strategic planning, government affairs, and business development, Maro’s professional journey is marked by a commitment to excellence.
Sudie Gifford comes to our board with an extremely varied background in arts, education, finance, public relations, and charity work.
Ed Monteiro was President of the Board of Directors of Falmouth Housing Trust in the ‘90’s, and we are thrilled that he is back.
David Sutkowy has lived in Falmouth since 2020.
Tammy Rausch is an experienced operations and business transformation leader with a background in financial services, global operations, and strategic planning. Tammy has held leadership roles at companies including Fidelity Investments and State Street Bank & Trust, where she led large teams, improved operational processes, and managed global client relationships. Tammy is also active in community volunteering, supporting local organizations including Make a Wish, Hand in Hand Thrift Shop, and Next Chapter Book Club.
Joan Bates has lived in Falmouth with her husband, Robert, since 2002. Prior to that, the couple lived in Newton. Joan’s 25-year professional career was in special education and nonprofit management.
Joanne O’Sullivan is a real estate attorney who has been practicing law in Falmouth since 1995. She is a self-described “wash-ashore” living on Cape Cod for 30 plus years. Joanne grew up in South Boston, and graduated from the University of Chicago and Boston College Law School. Attorney O’Sullivan has primarily been a sole practitioner for the past 20 years. She is married with 2 adult children who live out of state for job opportunities. Ms. O’Sullivan joined the FHT Board of Directors in 2009 and has served in various capacities, currently as vice president.
Director, Addie Drolette, is a Falmouth native and makes her home in East Falmouth. Most of Addie’s professional career has been spent serving the mortgage financing needs of the community of Falmouth. She is presently a Senior Residential Loan Officer with Martha’s Vineyard Bank.