Episode 9: Julienne Joseph, SVP of Single Family Programs at DC Housing Finance Agency

In this episode of the Mortgage Tech Intelligence podcast, host Dee Khullar speaks with Julienne Joseph, a prominent advocate for housing policy and access to homeownership. Julienne shares her journey from loan officer to chief of staff at HUD, discussing the lessons learned from the 2008 housing crisis, the importance of engaging communities in policy-making, and the challenges faced by first-time home buyers today. The conversation also explores innovative solutions for down payment assistance, the impact of student loan debt on homeownership, and the need for collaboration across the housing ecosystem to expand access to homeownership.

Chapters

• 0:00 Introduction to Housing Policy and Advocacy
• 1:10 Julienne Joseph's Journey into Housing
• 5:01 Insights from High-Level Housing Policy Experience
• 8:20 Understanding First-Time Home Buyers' Mindset
• 12:35 Challenges in the Current Housing Market
• 13:33 The Impact of AI on Borrower Evaluation
• 15:31 The Importance of Housing Counseling
• 19:21 Educating the Next Generation of Home Buyers
• 21:47 Innovative Down Payment Assistance Programs
• 27:06 The Neighborhood Homes Investment Act
• 29:43 Impact of Student Loan Debt Recalculation
• 35:06 Empathy in Homeownership
• 38:26 Future Trends in Housing Finance
• 40:07 MTI Outro