Meet the Authors

Shelley Callaghan

Shelley Callaghan - MGIC Sr. Marketing Program Manager

Shelley joined MGIC in the mid-80s and currently serves as a Senior Marketing Program Manager. She is primarily responsible for MGIC's online and classroom technical training programs.

Through the years, she’s worn many different hats, including managing an MGIC Underwriting Service Center and working on MGIC's national Field Operations team. Her technical savvy is built on her extensive, practical experience and drives the value she places on a strong technical foundation.

Geoffrey Cooper

Geoffrey Cooper - Vice President Product Development

Geoff Cooper is Vice President – Product Development at Mortgage Guaranty Insurance Corporation (MGIC).

With over 28 years of experience in the mortgage and banking industries, Geoff has been with MGIC for 19 years in various positions, from leading the Company’s affordable lending efforts to overseeing its community bank strategy. He is also past Director of Single Family at Wisconsin Housing & Economic Development Authority, and served as Policy Advisor to the Wisconsin Commissioner of Banking.

Margaret Crowley

Margaret Crowley - MGIC VP Marketing and Customer Experience

Margaret Crowley is Vice President of Marketing & Customer Experience at MGIC. She and her team are responsible for developing and executing marketing strategies to support the field sales team and business partners nationwide. In addition, Margaret leads MGIC’s Customer Experience efforts. Margaret has been with MGIC for over 30 years and held a variety of technology and marketing positions.

Margaret holds a bachelor’s degree in business from Alverno College.

Sean Dilweg

Sean Dilweg - MGIC Sr. VP Government Relations

Sean is currently Senior Vice President of Government Relations at Mortgage Guaranty Insurance Corporation (MGIC). In his role, he leads one of the largest mortgage insurer’s regulatory and political relations in Washington and the states. He actively works on federal legislation regarding GSE and FHA reforms. Sean joined MGIC from CUNA Mutual Group where he most recently served as the President of CMG Mortgage Insurance Company. He successfully brought the mortgage insurance business through a three-year turnaround and a sale transaction in February of 2014 to launch Arch MI.

Sean served as the Insurance Commissioner for Wisconsin from 2007 to 2011, overseeing the regulation of all insurance in the state including health, life, mortgage and bond insurers through one of the worst financial crises in U.S. history. In this role, he was the Receiver for Ambac Assurance and was responsible for overseeing the de-risking of the Ambac Assurance Corporation located in New York City, the second largest financial guarantee insurer in the nation. He was an active member of the National Association of Insurance Commissioners (NAIC) serving on a variety of committees including the Financial Condition Committee and the Securities Valuation Office which is involved in a number of aspects of insurance company finances and securities.

Sean currently serves as an Independent Director for Kroll Bond Rating Agency (KBRA) in New York. He also serves as a Director, Finance Chair and Treasurer for the Physicians Plus Insurance Company in Madison.

Mr. Dilweg earned his Bachelor of Arts degree from Lawrence University and his Master of Business Administration from the University of Wisconsin – Madison. He is married with 2 children and resides in Milwaukee, Wisconsin.

Carrie Edwards

Carrie Edwards, Special Education Teacher

Carrie Edwards has been a cross-categorical special education teacher for 25 years. She is most energized by finding solutions for her students that make learning easier and bring smiles to their faces. Her students are her absolute favorite part of her job and she’s missing them like crazy these days! Carrie is married to Vance Edwards, Marketing Program Director at MGIC and mom to Hailey, 22, a college senior and Trevan, 17, a high school senior. They all enjoy playing games, hiking, and traveling.

Vance Edwards, CMB

Vance Edwards, CMB - MGIC Marketing Program Director

Vance Edwards joined MGIC in 1999 and currently serves as MGIC's Marketing Program Director. Among Vance’s responsibilities is heading up MGIC’s Marketing Promotions Team which oversees MGIC sales training efforts, marketing of MGIC programs and co-branding efforts with MGIC customers.

In addition, Vance leads MGIC initiatives with Realtors and consumers, especially first-time homebuyers. He has spoken numerous times to Realtors® and loan originator audiences on topics including: first-time homebuyers, QM, economic overview, mortgage industry, and sales skills.

Vance lives in Menomonee Falls, Wisconsin with his wife Carrie and children Hailey and Trevan.

Vance is a certified FICO professional and earned a Certified Mortgage Banker ("CMB") designation from the MBA.

MGIC, featuring Antoine Thompson

Antoine Thompson, National Executive Director of NAREB

Antoine Maurice Thompson is a native of Buffalo, New York. A graduate of SUNY Brockport with a dual bachelors’ degree in History and African and Afro-American Studies, Thompson also studied at the University of Ghana in Ghana, West Africa. He is the recipient of an Honorary Doctorate of Laws Degree from Medaille College.

Thompson began his career in public service as a Legislative Assistant for the Buffalo Common Council Central Staff. In January 2001, he was unanimously appointed to the Buffalo Common Council and served for 5 years before being elected to the New York State Senate in 2006, representing Buffalo and Niagara Falls for four years.

In 2012, Thompson was appointed Executive Director of the Buffalo Employment & Training Center (BETC). In April 2015, he became the Executive Director of the National Association of Real Estate Brokers (NAREB), the largest organization of African American real estate professionals in the United States.

Thompson has received various awards, which include the NYS Solar Industries Association Legislator of the Year, the NYS Environmental Advocates the Legislator of the Year Award, the WNY Climate Action Coalition Leadership Award, Buffalo Audubon Society Government Award for Leadership and Conservation, Citizen Action of New York- Progressive Leadership Award, the Black Chamber of Commerce Business Advocate Award and the Buffalo Branch NAACP – Medgar Evers Civil Rights Award. In 2021, he was ranked on the Swanepoel Power 200 as one of the Most Influential Leaders in the Real Estate Industry in the U.S.

Antoine is a partner in Creative PMO Solutions. He is also a licensed real estate agent in New York State. Antoine is a member of First Baptist Church of Glenarden, fiancé of Tracey Webb and the father of Deja L. and Joseph A. Thompson.

MGIC, featuring Lisa Rice

Lisa Rice, National Fair Housing Alliance President & CEO

Lisa Rice is the second President and CEO of the National Fair Housing Alliance (NFHA), the nation’s only national civil rights agency solely dedicated to eliminating all forms of housing discrimination. NFHA is also the trade association for over 200 member organizations across the country that work to eliminate barriers in the housing markets and expand equal housing and lending opportunities. NFHA provides a range of programs to affirmatively further fair housing including community development, neighborhood stabilization, training, education, outreach, advocacy, consulting and enforcement initiatives.

Ms. Rice has helped to lead major enforcement initiatives that have resulted in expanding equal housing opportunities for millions of people. Those cases involved addressing algorithmic bias, discrimination against people who are deaf or hearing impaired, unfair lending policies impacting pregnant women, sexual harassment, lending and insurance redlining practices, steering in the real estate sales market, rental discrimination and racial disparities in the maintenance and management of Real Estate Owned properties.

She played a major role in helping to establish the Consumer Financial Protection Bureau which was established under the Dodd-Frank Wall Street Reform and Consumer Protection Act and the establishment of the Office of Fair Lending and Equal Opportunity within the CFPB.

Ms. Rice is a member of the Leadership Conference on Civil and Human Rights Board of Directors, Center for Responsible Lending Board of Directors, JPMorgan Chase Consumer Advisory Council, Mortgage Bankers Association's Consumer Advisory Council, Freddie Mac Affordable Housing Advisory Council, Urban Institute’s Mortgage Servicing Collaborative, Quicken Loans Advisory Committee. She also serves on the Bipartisan Policy Center Civil Society Advisory Council on Artificial Intelligence and FinRegLab’s Machine Learning Advisory Board.

MGIC, featuring Tim Scott

U.S. Senator Tim Scott

As a leader on tax reform, education and job training, and innovative ideas to reinvest in our nation’s distressed communities, U.S. Senator Tim Scott brings a unique perspective to the United States Senate.

Senator Scott grew up poor, in a single parent household in North Charleston, SC. He watched his mother work 16-hour days as a nurse’s assistant to keep him and his brother afloat. As a freshman in high school, Tim nearly failed out. But then he met his mentor who shared life-changing ideas and the basic principles of business with Tim. Through hard work, education, innovation and the discipline his mother gave him, he began the process of turning his life around. Tim graduated from Charles Southern University and eventually built his own successful small business.

Tim developed a mission to positively affect the lives of a billion people. That led him to public service, where he was elected to Charleston County Council, the South Carolina House of Representatives, the United States House of Representative and the United States Senate.

Since joining the Senate in 2013, Tim has been a national leader on efforts to bring opportunity to every American family. During his time in office, he has been a tireless advocate for creating more opportunities for families living paycheck-to-paycheck and helping children who are mired in poverty have access to quality education. His signature legislation creating Opportunity Zone was passed as part of the 2017 tax reform package and has the potential to bring billions of dollars of private investment to distressed communities across the country. Tim also plays a critical role in issues regarding workforce development, education and diversity.

Tim has served on the Senate Finance Committee; the Senate Committee on Health, Education, Labor and Pensions; the Senate Committee on Banking, Housing & Urban Affairs; the Senate Committee on Small Business and Entrepreneurship; and, the Senate Special Committee on Aging.

MGIC, featuring Tony Thompson

Tony Thompson, NAMMBA Founder & CEO

J. Tony Thompson, CMB, is the founder & CEO of the National Association of Minority Mortgage Bankers of America (NAMMBA), an organization dedicated to increasing the engagement of women, millennials and minorities with the Mortgage Bankers Association at the local, state and national level. Since its inception in 2016, NAMMBA has grown to over 25 chapters and 3,000+ members nationwide.

Tony has more than 15 years of experience, leading and building high-performance sales teams. As the founder/CEO of NAMMBA, Tony’s vision is to create a platform in which women, millennials and minorities can connect, grow and become leaders in the mortgage industry while providing a platform to recruit and train the next generation of mortgage professionals.

Tony received his B.S. from South Carolina State University in Business Administration and an MBA from Webster University. In 2011, he received his Certified Mortgage Banker (CMB) designation from the Mortgage Bankers Association. Tony is also a graduate of the MBA Future Leaders Program.

Over the last several years, he has been recognized and featured in many industry publications for his dedication to the community and the mortgage industry. Finally, Tony serves on the board of directors for several non-profit organizations and is a member of Omega Psi Phi Fraternity, Inc.

Danny Garcia-Velez

Danny García-Vélez, VP Business Development

Danny García-Vélez joined MGIC in June 2017 as a Senior Marketing Program Manager. Under his direction, his team developed and executed MGIC’s community lending efforts, including researching, designing and implementing business and marketing strategies across the customer channels of Credit Unions, Community Banks and Housing Finance Agencies. In August 2020, Danny was promoted to MGIC Vice President of Business Development.

Prior to joining MGIC, Danny was the Vice President of Programs and Counseling for the Homeownership Preservation Foundation (HPF), a national nonprofit that provides financial coaching and counseling to at-risk consumers through the Homeowners Hope Hotline. Danny managed the organization’s operations and relationships with mortgage servicers, investors, GSEs and government.

He lives in Wauwatosa, Wisconsin with his wife, three children and one dog.

Garrett Hartzog

Garrett A. Hartzog, Policy and Industry Relations Director

Garrett A. Hartzog joined MGIC in 2016 and is currently a Policy and Industry Relations Director. His work here has cut across organizational boundaries, including establishing a channel to insure seasoned loans on a bulk basis, supporting MGIC’s public policy and government relations work, and evaluating new product and partnership opportunities. Since 2004, Garrett has held a variety of Mortgage Insurance related roles at PMI Mortgage Insurance, Bank of America, and the Federal Housing Finance Agency (FHFA). He earned his Master of International Business Studies from the Darla Moore School of Business at the University of South Carolina, where he was in the German track and focused on coursework in Finance and Marketing. Garrett also holds a Bachelor of Science in Business Administration from the McDonough School of Business at Georgetown University, with a major in Finance and minors in Computer Science and Theology.

Jim Honeck

Jim Honeck - Inside Sales Manager

Jim Honeck first joined MGIC in 1989 and returned in 2017 and currently serves as MGIC’s Inside Sales Manager. Among Jim’s responsibilities are heading up MGIC’s Inside Sales Team, Vendor Due Diligence, Marketing of MGIC programs and the RFP process. Jim has been in the mortgage insurance industry for 27 years and has held a variety of positions in sales and marketing.

Tom LaMalfa

Tom LaMalfa, President, TSL Consulting

Tom LaMalfa is a 35-plus-year veteran mortgage-market analyst and researcher. He has done pioneering work in the areas of secondary markets, wholesale mortgage banking, mortgage brokerages, financial benchmarking and GSE reform. He may be reached by e-mail at

Tom Laposki

Tom Laposki - MGIC Product Implementation Program Manager Sr.

Tom has been with MGIC for 30 years and currently serves as MGIC’s Product Implementation Program Manager Senior. Prior to this role, Tom worked as a Compliance Manager in Claims, where his responsibilities included heading up corporate efforts to investigate and track fraud and misrepresentation on MGIC business.

In addition, Tom leads initiatives to train and bring awareness of fraud issues to the company through participation and attendance of MBA fraud conferences and panel discussions.

Tom received his degree from the University of Wisconsin - River Falls in Business Administration and Speech Communications. He lives in Franklin Wisconsin with his wife Kris and two daughters.

Craig Lonsinger, CCUE

Craig Lonsinger - MGIC Business Ops Technology Director

Craig is the MGIC Business Ops Technology Director, and previously held the position of Senior Marketing Program Manager. He and his team were responsible for developing and implementing business and marketing strategies that leverage MGIC’s organizational strengths and innovation to support our field sales organization and partners nationwide.

Craig is a 1992 graduate of the University of Pittsburgh, and over the past 23 years he has held management, sales, and marketing roles within the lending and insurance industries. Previously, Craig supported our partnerships in Western New York as an MGIC Senior Account Manager.

Craig is passionate about developing solutions that support the success of our partnerships. He currently resides in Wisconsin with his wife Michelle and daughter Lauren.

Sal Miosi

Sal Miosi - President and Chief Operating Officer

Sal Miosi joined MGIC in 1988 and is currently the President and COO of MGIC. Prior to being appointed to that role, he served as MGIC's Executive Vice President–Business Strategies & Operations from 2017 to 2019, Senior Vice President–Business Strategies & Operations from 2015 to 2017 and its Vice President of Marketing from 2004 to 2015. Before then, he held a variety of leadership positions in the technology, sales and marketing divisions after joining the company in 1988. He holds an MBA from Marquette University and a bachelor's degree from UW-Milwaukee.

Mike Mueller

Mike Mueller - MGIC Business Partner Relationship Manager

Mike Mueller currently serves as an Business Partner Relationship Manager and works to improve and optimize MGIC’s partner relationship efforts with lenders and the service providers that lenders use. Mike currently also serves as the co-chair of the MISMO Mortgage Insurance Work Group and has been involved with data standards development for over 20 years.

He holds a BS from UW-Milwaukee, focused in Real Estate. He resides with his wife and son in Grafton, Wisconsin.

Tim Riemer

Tim Riemer – MGIC Product Development Sr. Program Manager

As a member of MGIC’s Business Intelligence (BI) Team, Tim Riemer plays a lead role in mortgage market surveillance and analysis which informs product development efforts. His 16 years in the residential mortgage industry consist of 15 years with MGIC in Marketing and Product Development, plus 4 years as an originator in southeast Wisconsin and northeast Illinois. Tim holds a BS in Finance and Economics from the University of Wisconsin – La Crosse.

Lloyd San

Lloyd San - Retired MGIC Mortgage Market Manager

A 30-year mortgage industry veteran, retired in 2021, Lloyd San served as Mortgage Market Manager for Mortgage Guaranty Insurance Corporation (MGIC). Overseeing a national effort, he was responsible for managing all client-related capital market activities in the areas of bulk and correspondent loan referrals, investor introductions, structured products, whole loan sales, as well as product and personnel introductions.

In addition, he is chairman of the California Mortgage Bankers Association, Secondary Marketing Executive Committee and also serves on the Western Secondary Conference Committee.

A graduate of San Diego State University in California, Lloyd received his MBA in Financial Management from National University. He also holds a California Real Estate Broker’s License.

Patrick Sinks

Patrick Sinks - Former MGIC Chief Executive Officer

Patrick Sinks was MGIC’s Chief Executive Officer from March 2015 to July 2019. He also served as the company’s President and Chief Operating Officer from 2006 to 2015, and held senior executive positions with MGIC for more than five years before then.

Mr. Sinks earned his MBA from the University of Wisconsin – Milwaukee, holds a Bachelor of Science degree in accounting from Mary College, and completed the Advanced Management Program at Duke University’s FUQUA School of Business.

Zak Stoiber

Zak Stoiber - MGIC Digital Marketing Specialist

Zak Stoiber joined MGIC in 2014 and serves as MGIC's Digital Marketing Specialist. Zak's focus is content creation in the form of writing, editing and research on all topics mortgage industry related. His primary goal is to raise awareness and increase education among mortgage professionals through MGIC's digital channels.

In 2012 he received a Bachelor of Arts degree in Communication Arts from the University of Wisconsin - Madison and resides in Milwaukee, Wisconsin.

Harper Wong

Harper Wong - Senior Account Manager

Harper Wong has been in the lending industry since 1991 and joined MGIC in 1998 where she currently serves as a Senior Account Manager. Based in Northern California, Harper has spent over twenty years focused on cultivating sustainable homeownership and educating lenders, originators and industry partners regarding low down payment options.

Mike Zimmerman, MBA

Mike Zimmerman - MGIC Sr. VP Investor Relations

Mike is the Senior Vice President of Investor Relations at MGIC Investment Corporation. In this role, he is responsible for managing a comprehensive investor relations and corporate communications strategy that is designed to manage the company's reputation, as well as educate and update investors and media about the company's operating results and strategies.

Mike joined MGIC in 1995 in the Capital Markets department and has over more than 30 years of broad-based mortgage banking experience. He has authored several articles about the mortgage industry and has spoken at National MBA conferences, Regional MBA conferences, Bank Administration Institute and the Institute for International Research conferences.

He holds an MBA from the Keller Graduate School of Management and a degree in Business Administration from St. Ambrose University.