April 2025 Newsletter

M IN STREET In Case You Missed It Holidays & Events You’ll want to mark your calendar!

A Few Reasons To Celebrate Birthdays & Work Anniversaries

Marketing Updates Main Street’s Finest Scotsman Guide Honors!

Health & Wellness Facts & Recipe Highlights

MSHL | ISSUE 4

REMINDER: Recent FHFA directive now impacts some programs at Fannie and Freddie. Below are relevant dates for programs that are impacted.

Known Impacted ProgramsThese program are being retired: 1. HomeReady First (aka Home Buy Assist 3k and 6k) DU must be run and receive the HomeReady First message on or before 4/5 Loans must be closed/funded by 6/13 2. BorrowSmart Access (this is NOT HomePossible BorrowSmart) Counseling calls to HPF must be completed on or before 3/31 Loans must be closed/funded by 5/9 3. HomePossible VLIP Loans must be closed/funded by 5/9 Programs we expect to be impacted are listed below, but as of this email, it is business as usual for those products.

1. HomeReady VLIP 2. HomePossible BorrowSmart

FHA Notice for Non-Permanent Residents NFM is aware of the update posted in HUD ML25-09 that prohibits FHA financing to non-permanent residents, effective for case numbers assigned on or after May 25, 2025.

NFM is not taking immediate action as we still have two months before this takes effect. We hope this will be updated or rescinded as FHA receives commentary from the industry.

If the change does take effect in its current form, NFM will follow the HUD timeline. However, it's business as usual until this plays out.

Please note that Fannie Mae and Freddie Mac have not adjusted their guidelines as of 3/27/2025.

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Joey Hair Lyla Kintzler

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13

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Alicia Dagesse Kathrine Thunem

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5

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Carolyn Flitcroft

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Sharee Awwal

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Kathleen Lauman

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Kelcey Morange Chanon Gough

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DJ Dixon Kathy Mateo

Tax Day

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Amy Flaherty Cindy Stanley Earth Day

Easter

27

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Nate Hartseil

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Kristin Tongarm

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Valentina Escolar

*Please note- store credits issued for birthdays expire each year so be sure to take advantage of them yearly!

Caren Keyes Erica Campbell Michelle McCormick James Blackwell Brian Grabowski Joshua Zapata Taryn Morthland Andrew Liciardi

26 Jocelyn Landaverde

MARKETING REMINDER Please review the turn time below for Marketing requests ALL marketing requests are to be made through WRIKE

General Marketing Turn-Times 24-48 hours Existing Flyer customization Open house Flyers Requests are due by Wednesday by 5pm Social Media support individual page management Branded social media content New Hire Onboarding

48-72 hours CRM Database Integration Business Cards Review & order- 24 hours; Production & shipping- 3-5 business days Direct Mail and/or digital ADs Brand New Design for Flyer/Social Media

3-7+ Business Days New Marketing Materials Custom flyer creations Postcard, booklets, Presentation branding Translation services Event planning/ SWAG/ signage Custom Apparel Personal Brand guides

Turn-times may vary based on project scope. Review of requests must be provided within 48 hours of receipt, otherwise the project will be closed out and marked completed.

Questions & Support

Need Custom Marketing?

marketing@mainstreethl.com M-F, 8:30 a.m. - 6:00 p.m. EST 1-hour Response

Use the Wrike Marketing Request Form

SCOTSMAN GUIDE TOP ORIGINATORS

Darran Anthony

Neil Bourdelaise

Karen Dulmage

Kyndle Quinones

Jon Wald

Sal Savastano

Alicia Harkowa

David Licciardi

Nate Hartseil

Wendy Posada

Kaitlyn Linane

John Savastano

Trent Riggs

Carolyn Flitcroft

Meredith Bolton

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s & h W t s l e a ell n e STRESS AWARENESS MONTH Stress Awareness Month has been held every April since 1992 to raise awareness of the causes and cures for our modern-day stress epidemic.

It is the time when we have an opportunity for an open conversation on the impact of stress. Dedicated time to removing the guilt, shame, and stigma around mental health. To talk about stress, and its effects and open up about our mental and emotional state with friends, families, colleagues, and professionals.

During this annual thirty day period, health care professionals and health promotion experts across the country will join forces to increase public awareness about both the causes and cures for our modern stress epidemic.

STRESS MANAGEMENT TECHNIQUES 1. Engage in Physical Activity: Exercise releases endorphins, which have mood-boosting effects.

Aim for at least 30 minutes of moderate-intensity exercise most days of the week.

2. Practice Relaxation Techniques: Deep breathing exercises, meditation, and yoga can help calm the mind and reduce stress hormones.

3. Get Enough Sleep: Sleep deprivation can worsen stress levels. Aim for 7-9 hours of quality sleep per night.

4. Set Boundaries and Say No: Learn to say no to requests that overload you or conflict with your priorities.

5. Take Breaks: Take short breaks throughout the day to do something enjoyable, such as listening to music, reading, or spending time with loved ones.

6. Connect with Others: Social support is crucial for stress management. Spend time with friends, family, or join a support group.

MAIN STREET KITCHEN & BAR A TRADITION UNLIKE ANY OTHER Can’t make It to Augusta this month? You can still eat like you are with these iconic Masters recipes

PIMENTO CHEESE SANDWICHES INGREDIENTS ¼ cup cream cheese, room temperature ½ cup mayonnaise ½ cup sour cream ¼ tsp garlic salt 2 cups shredded cheddar cheese ½ cup freshly shredded Parmesan cheese ½ cup diced pimentos

INSTRUCTIONS Whip cream cheese until smooth.

Add in mayonnaise, sour cream, and garlic salt.

Whip until smooth.

Stir in remaining ingredients.

Cover and refrigerate 30 minutes, or until ready to serve.

Spread on your favorite white bread

THE AZALEA INGREDIENTS 1 part lemon juice 2 part vodka 1 part pineapple juice splash grenadine, add until desired color is reached

INSTRUCTIONS Mix all ingredients together and serve. Garnish with lemon slices, if desired.

Refrigerate mixture until ready to serve.

Have a recipe you would like to share with MSHL? Email to marketing@mainstreethl.com!

CULTURE CORNER ARAB AMERICAN HERITAGE MONTH National Arab American Heritage Month was recognized in April 2021 by President Joe Biden, with the U.S. Department of State, some members of Congress and 37 governors issuing proclamations supporting the month. Arab American Heritage Month recognizes the achievements of Arab Americans. Across the country, cultural institutions, school districts, municipalities, state legislatures, public servants, and non-profit organizations issue proclamations and engage in special events that celebrate Arab American community’s rich heritage and numerous contributions to society. www.edib.harvard.edu

Trivia: Which first lady is credited with sponsoring the first annual Easter egg roll on the White House lawn?

a) Martha Washington b) Mary Lincoln

c) Lucy Hayes d) Eleanor Roosevelt

Win a prize by being the first to respond with your answer to marketing@mainstreethl.com!