Episode 45: Recapping Texas' 89th Legislative Session

What exactly is mortgage insurance, when is it required, and how can it affect your monthly mortgage payment? In this episode of TSAHC’s On the House podcast, Sarah Ellinor, TSAHC's Senior Manager of Homeownership Programs, is joined by, Angela Bujnoch from Essent Guaranty to break down the basics of mortgage insurance, how it’s priced, the differences between conventional PMI and FHA mortgage insurance, and how borrowers may eventually cancel their coverage. We also discuss how mortgage insurance can work alongside down payment assistance and Mortgage Credit Certificate programs to help make homeownership more affordable.

In 2025, TSAHC opened the doors to new possibilities for Texas families, through the many housing and training programs we provided. Listen to our interview with TSAHC President David Long as he reflects on both our impact in 2025 and our plans for the year ahead.  

What will 2026 mean for the rental and multifamily housing market?In this episode, we explore the rental and multifamily housing forecast for 2026 with Khayree Duckett of Dominium Apartments and Megan Lasch of O-SDA Industries. We discuss how shifting capital markets, lower tax credit pricing, construction slowdowns, rent growth expectations, and more are shaping development decisions across Texas. Tune in for insights on what housing professionals should be watching and how the multifamily landscape may change in the year ahead. 

The path to homeownership is evolving, and 2026 will be no exception. This episode is Part Two of a two-part conversation where we continue our discussion with Jed Guenther (Lakeview Loan Servicing), John Hudson (H&M Mortgage), and Christy Gessler (Texas REALTORS®). In this second half, the conversation shifts to the policy environment shaping housing, how AI is influencing the market, and key predictions for what lies ahead in 2026. Listeners will walk away with a clearer understanding of what to expect and how to prepare for the housing market in 2026. 

The path to homeownership is evolving, and 2026 will be no exception. This episode is Part One of a two-part conversation where we sit down with Jed Guenther (Lakeview Loan Servicing), John Hudson (H&M Mortgage), and Christy Gessler (Texas REALTORS®) to break down what buyers can expect. In this first half of the conversation, we dig into interest rates, insurance, inventory, and other market fundamentals. With these insights, listeners get a practical look at the challenges and opportunities homebuyers may face in 2026. Stay tuned for Part Two! *This discussion was recorded on December 10, 2025. 

The legislative session may be over, but the conversation is just getting started. In this episode, we break down Texas’ 89th Legislative Session with Bryan Tony (Dallas Housing Coalition) and Todd Kercheval (Kercheval & Associates), exploring the legislative progress made for affordable housing and what it means for the future of housing policy in Texas. 

In honor of TSAHC’s 30th anniversary, we’re sitting down with someone who’s been there nearly every step of the way. In this special anniversary episode, host Michael Wilt speaks with David Long, President of the Texas State Affordable Housing Corporation (TSAHC), to reflect on 30 years of impact, growth, and innovation. From the organization’s early beginnings to its current role in expanding housing opportunities across Texas, David shares stories, milestones, and insights from his decades of leadership — offering a look at where TSAHC has been and where it’s headed next. 

What does it take to turn a vision for supportive housing into a place people can call home? In this episode, Michael Wilt sits down with Sally Gaskin, Founder and President of SGI Ventures, to talk about Cady Lofts, a newly opened supportive housing development in Austin, Texas. Sally shares the story behind the project, the challenges and successes along the way, and how Cady Lofts will serve some of Austin’s most vulnerable residents. 

Mireille Hernandez and her husband love Fort Worth and knew they wanted to buy a home there. Their parents live close by, and it was very important to them to raise their two children close to their grandparents. Mireille learned about TSAHC’s home buyer programs through her lender Stacy Lynn Schriever, Branch Manager and Senior Loan Officer with Highlands Residential Mortgage. With Stacy’s help, they stuck to a strict budget to overcome credit challenges, qualify for TSAHC’s assistance, and become homeowners. In today's episode, we chat with Mireille and Stacy about how they navigated the home buying process together.

Interest rates are an important factor to consider for any loan since they help you determine the cost of borrowing money. And, because buying a home is one of the most major financial decisions that most average Americans ever make, mortgage interest rates are even more worthy of our time and attention. In this episode of On the House, we brought in John H.P. Hudson with H & M Mortgage Group to take a look at a couple ways that home buyers can save money on their mortgage.