HousingWire Daily The opportunities in the Texas housing market
Nov 19, 2025
Erin Dee, COO of Interlink Mortgage and president of the Texas Mortgage Bankers Association, discusses the evolving Texas housing market. She highlights the challenges of affordability driven by rising rates, wages, and insurance costs. Erin contrasts market trends across major cities like Austin, Dallas, and Houston, emphasizing unique growth in population and jobs. She advocates for resilient construction and innovative zoning to enhance affordability while addressing weather-related insurance concerns. Erin also shares insights on legislative advocacy and forecasts a market correction ahead.
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Affordability Is Texas’s Core Housing Problem
- Affordability is the biggest challenge for Texas lenders and mirrors a national problem.
- Rising costs from wages, rates, and insurance squeeze homeownership across communities.
Insurance Claims Drive Premiums Higher
- Insurance costs are rising because Texas leads the nation in claims from storms, hail, and wildfires.
- Lack of rate caps keeps competition but drives premiums up, hurting affordability.
A Tale Of Two Texas Homeowners
- Erin described two distinct homeowner cohorts: pre-2020 buyers sitting on strong equity and recent buyers facing declines.
- Her own February 2023 purchase in Austin illustrated the leveling and localized value drops.