Talking About Mortgages and Millennials with Lindsey Johnson
Welcome back Wine and Dime Listeners! In this episode I have the distinct pleasure of talking to UMSI President Lindsey Johnson. Lindsey and I chatted about range of topics such as the 20% down payment myth, the housing market crash, her time working on Senate Banking Committee’s National Security and International Trade and Finance (NSITF)Subcommittee, and as the title of the show suggests, millennials and mortgages. We even got around to talking about one of her favorite wines. Check out the show notes below for all some additional information on some of the topics we discussed. So, sit on back, pop open a bottle of your favorite beverage, and enjoy the show!
Lindsey Johnson
@LINDSEYUSMI
@USMI_INFO
BIOGRAPHY
Lindsey Johnson currently serves as President of U.S. Mortgage Insurers (USMI). USMI is the nation's leading private mortgage insurance association. comprised of five of the six U.S. mortgage insurance companies in the country. As President of USMI. Lindsey works with member companies to advance the value of private mortgage insurance (Ml) to borrowers and taxpayers and to promote a sustainable housing finance system backed by private capital.
Lindsey previously served as a Director on PWC's public policy team. Prior to joining PWC, Lindsey was a former member of the Senate Banking Committee staff as the Republican Staff Director for the Senate Banking committee's National Security and International Trade and Finance (NSITF) Subcommittee, and as a Senior Policy Advisor to Senator Mark Kirk (R-lllinois), focusing on noteworthy banking, housing finance reform. and insurance legislation.
Lindsey also served as Director for the Federal Horne Loan Bank of Atlanta for seven years. representing the Bank in D.C. at the highest levels of government during several key legislative reforms that impacted the Bank including the Housing and Economic Recovery Act of 2008 and Dodd-Frank Act. Lindsey began her career in D.C. working with former House Republican Conference Chair J.C. Watts in the private sector. She received an MBA from Georgetown University. Lindsey also serves as a Director on the Board, and immediate past-president of Women in Housing and Finance (www.whfdc.org), is a Director on the Board for Habitat for Humanity Northern Virginia, and an Advisory Board Member for the Georgetown University McDonough School of Business Advisory committee.
ABOUT USMI
U.S. Mortgage Insurers (USMI®) is dedicated to a housing finance system backed by private capital that enables access to housing finance for borrowers while protecting taxpayers. Mortgage insurance offers an effective way to make mortgage credit available to more people. USMI is ready to help build the future of homeownership.
As policymakers focus on the need to create a strong, stable housing finance system, today’s mortgage insurance (MI) industry is well positioned to ensure access to home ownership while protecting taxpayers. MI enables broader access to homeownership, including for first time homebuyers, by protecting against credit losses.
USMI members are focused on ensuring that creditworthy borrowers continue to have access to affordable and sustainable mortgages within a well-functioning U.S. housing finance system.
Five of the six active U.S. mortgage insurance companies – Essent, Genworth, MGIC, National MI, and Radian – are the founding members of USMI. The organization is open to all active U.S. MI companies.
Click Image to “Get the Facts About Low Down Payment Options”
Quilceda Creek
Cabernet Sauvignon
Paul Golitzin, Director of Winemaking, comments:
We are pleased to announce the private release of our 2016 Quilceda Creek Cabernet Sauvignon Columbia Valley. 2016 marks the 38th vintage of Quilceda Creek since its founding in 1978. Since the beginning, our family has been singularly focused on the pursuit of world-class Cabernet Sauvignon.
The 2016 vintage was stellar due to warm summer growing conditions and cool temperatures in the fall, which extended hang-time and developed complex aromatics and flavors. Winemaker Paul Golitzin describes the wine's texture as luxurious, with layer upon layer of rich and concentrated crème de cassis, blackberry and black plum fruit coating the palate with a deep, memorable impact. Nuances of violet, anise, leather, dark chocolate, black truffle and minerals can also be found in this incredibly pure wine of great power and finesse. It will drink well on release and over the next 2-3 decades.
THIS EPISODE WAS PRESENTED BY
Amy Irvine
AND IN COLLABORATION WITH
The Seneca Lake Wine Trail
