Migdaliz Bernier

Background

About Migdaliz Bernier

As a seasoned leader in housing and mortgage lending, I bring extensive experience in developing and implementing policies for mortgage insurance programs, managing direct loan programs, and guiding teams to achieve strategic goals. Currently serving as the Director of the Home Mortgage Insurance Division at the Federal Housing Administration (FHA) in the U.S. Department of Housing and Urban Development (HUD), I oversee the creation and revision of key policy documents, including Mortgage Letters and policy Handbooks, and lead efforts to address industry challenges and enhance program effectiveness. My career includes roles at the U.S. Department of Agriculture’s Rural Development, where I directed the Origination and Processing Division of the Single Family Housing Guaranteed Loan Program. There, I achieved record loan obligations and optimized processing workflows through strategic policy development and resource management. I have a proven track record in policy formulation, regulatory compliance, and team leadership. My experience encompasses drafting and implementing new regulations, coordinating with industry stakeholders, and establishing training programs to ensure staff proficiency and policy adherence. My commitment to improving housing finance programs and enhancing homeownership opportunities drives my work, supported by a strong background in analyzing program performance and managing complex projects.