Incentive Based Solutions to Homeowner Affordability

Increasing regulatory restrictions and requirements will not solve consumer affordability challenges.

This paper discusses market-based approaches that benefit many industries and homeowners.

The Crisis By The Numbers:

$1.4T in disaster damages (2015-2024)

190 billion-dollar disasters

30% insurance premium increase

25% of homes in high-risk zones

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TMBA President 20+ Years Experience Industry Expert

What You'll Discover

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Data-Driven Insights

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Proven Solutions

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Actionable Strategies

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Industry Intelligence

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Future-Proof Planning

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Cost-Saving Tactics

About the Author: Erin Dee

Chief Operating Officer, InterLinc Mortgage

2025-2026 President, Texas Mortgage Bankers Association

With over 20 years in mortgage lending and servicing, Erin brings deep expertise in operations, risk management, and capital markets. She holds an M.B.A. in Finance and co-hosts the popular "Basis Points" podcast.

This whitepaper represents months of collaboration with industry stakeholders and reflects insights from the TMBA Resiliency Roundtable held in Austin, bringing together thought leaders from across the housing and insurance industries.

Don't Wait for the Next Disaster

While others struggle with rising costs and failing government solutions, you can be prepared with market-driven strategies that work.