December 2025 Newsletter by mainstreethomeloans

IN CASE YOU MISSED IT

FHA Waiver of “Important Notice to Homebuyers” Requirement

Effective as of November 19th, FHA is waiving its policy requiring mortgagees to provide borrowers with Form HUD-92900-B, Important Notice to Homebuyers. This change is intended to streamline processes and reduce administrative burdens for lenders by eliminating a redundant and outdated form. The waiver is effective for cases not yet endorsed. Mortgagees must still comply with all other disclosure obligations under existing statutes and regulations.

We encourage you to review the official waiver located on HUD’s Housing Waivers webpage.

REMINDER: Knock Bridge Loan Plus

Knock is adding a new product to its bridge loan lineup

Departing property mortgage payoff: Knock can now pay-off your client’s existing 1 mortgage st

Eliminate contingencies and help clients compete with cash buyers

Maximum bridge loan: $1M

Maximum CLTV: 75%

Not available in all states. List of states is available on Insite.

Additional VA benefit:

By paying off the departing home mortgage, VA benefits previously used may be reinstated by the VA with a One Time Restoration with application directly to the VA and applied to the new purchase Marketing Materials Available in Total Expert: For Single and Co-Branded PDF Flyers on Total Expert: Go to

Total Expert > Print Marketing > Create New > Search: “Knock”

REMINDER: Flyhomes Bridge Loan Offerings

Flyhomes brokered bridge loan program offer four products that empower your borrowers to make noncontingent offers by reducing DTI, unlocking downpayment assistance and buying with cash-like offers.

General Information

95% LTV bridge lending up to $2.5M. FICO down to 640.

Primary, Secondary, and Investment properties.

Min. = $200,000 / Max. = $2.5M.

Interest rates are subject to change and will vary based on market conditions and borrower qualifications

See product guidelines for more information

“Buy Before You Sell with Guaranteed Backup Contract”

A simple, non-loan purchase contract on the departing residence

“Buy Before You Sell with Instant Equity”

A short-term home equity loan that allows buyers to access the equity in their current home “Buy Before You Sell with Cash Offer”

A bridge loan that turns your client’s offer into a non-contingent, cash-equivalent offer “Cash Offer”

A purchase bridge loan that can turn your borrowers offer into a non-contingent, cash-equivalent offer Guidelines and available states included can be found on Insite Marketing Materials Available in Total Expert: For Single and Co-Branded PDF Flyers on Total Expert: Go to Total Expert > Print Marketing > Create New > Search: “FlyHomes”

For more information, see the product announcement email sent on 11/7/25

MARKETING REMINDER

ExistingFlyer customization

OpenhouseFlyers Requestsaredueby Wednesdayby5pm SocialMediasupport individualpage management Brandedsocialmedia content

NewHireOnboarding

CRMDatabaseIntegration BusinessCards Review&order-24 hours;Production& shipping-3-5business days

DirectMailand/ordigital ADs

BrandNewDesignfor Flyer/SocialMedia

NewMarketingMaterials Customflyercreations

Postcard,booklets, Presentationbranding Translationservices Eventplanning/SWAG/ signage CustomApparel

PersonalBrandguides Videorequest

MARKETING UPDATES

Marketing Training - Box + Bestow - Automated Closing Gifts

Automatically send memorable closing and milestone gifts (directly from your Total Expert account) without lifting a finger.

Closing gifts

Realtor touches

In process gifts

Recruiting gifts

This seamless solution can help you stand out, boost referrals, and create lasting client relationships.

Reach out to marketing@mainstreethl.com to review the Recording

Keep an eye out for new content in Total Expert

New content is added often to Total Expert and available for use with your branding, any time

Here are a few recent topics that have been added:

Fall/winter home maintenance checklist

VA Loan general product flyer

5 advantages to homeownership

Home Equity usage

Using your 401k for a down payment

Breaking down your credit score

Family Home Mortgage

NFMGPT Updates:

Are You Ready to Respond to Refinances?

With the Encompass Assistant on NFMGPT, you can instantly generate detailed Refinance Reports. Don’t miss out on this essential tool start using the Refi Report on NFMGPT today to help your clients and grow your business!

From the Encompass Assistant, enter the proposed New Rate in the FHA, VA, Conv and Conv nonowner fields

Enter a Threshold and hit Enter

e g : If you pick a 6 00% New Rate and a Threshold of 0 50, the report will show closed loans with rates over 6 50%

You can review the report on screen or download to Excel

Questions? Visit the NFMGPT Knowledge Center for tips, tricks, and FAQs. Want personalized help? Email us at training@nfmlending.com for one-on-one training.

2025 CIRCLE OF EXCELLENCE

The 2025 Circle of Excellence Qualifiers

$20 Million in Volume or 70 Units

Karen Dulmage

Brian Coleman

Meredith Bolton

Ashley Donovan

Kaitlyn Linane

Nathan Hartseil

Sal Savastano

Karen

Dave Travers

Mike Plummer

Kyndle Q.

Patricia Vargas

John Savastano

Jon W. Trent R.

Carolyn Flitcroft

Pete O’Donnell

David Licciardi

Wendy Posada

Mike Farrell

Kathleen Lauman

Paul Nagel

Bob O’Connell

QUALIFIERS

Brian Grabowski Alicia Harkowa

Norm Tucker Patricia Vargas

Health& Health&

STAY HEALTHY DURING THOSE FAMILY GATHERINGS

The holidays are all about connection, laughter, and spending time with the people we love but with busy schedules and big gatherings, it’s also a time when staying healthy matters most. A few simple habits can help keep everyone feeling their best: wash hands often, stay hydrated, and keep snacks balanced with fruits and veggies

If you’re feeling run-down, give yourself permission to rest. And most importantly, focus on what truly matters—sharing joy, protecting one another, and making heartfelt memories that last long after the season is over

HOLIDAY SELF-CARE

The holidays are the busiest time of the year, take time for yourself and the ones you care about. Wind down after a long day of decorating, cooking, or baking with a cheesy holiday rom-com or your favorite book. Get enough sleep to provide energy for the next day. The holidays only come around once a year, so give yourself the time to be present

MAIN STREET KITCHEN & BAR

DELICIOUS TREATS THE WHOLE FAMILY WILL ENJOY

SANTA’S FAVORITE BROWN BUTTER CHOCOLATE CHIP COOKIES

INGREDIENTS

2 sticks unsalted butter cut into tablespoons

2 cups all-purpose flour

2 tablespoons heavy cream, half-and-half, or whole milk

2 teaspoons Diamond Crystal kosher salt

1 teaspoon baking soda

¾ cup packed dark brown sugar

¾ cup granulated sugar

2 large eggs, cold from the refrigerator

1 tablespoon vanilla extract

10 ounces semi-sweet chocolate bits or (5 ounces bittersweet chocolate disks, half coarsely chopped, 5 ounces of milk chocolate disks, half coarsely chopped)

INSTRUCTIONS

1 Using a skillet, brown 1 stick of butter over medium heat

2 Transfer browned butter to a large bowl Let cool for a few minutes then add the remaining stick of butter Whisk well until mixture is smooth Whisk in the cream

3 Add both sugars and whisk until smooth Then add in the eggs and vanilla; whisk some more!

4 In a separate bowl, sift flour and baking soda then add the 2 teaspoons of salt

5 Stir dry ingredients then once well combined, carefully add to wet ingredients Fold in flour mixture then whisk batter until you don’t see any bits of flour

6 Fold in chocolate chips Chill dough for 15- 20 minutes Then remove from fridge and portion out the dough for 2nd round of chilling. Using an ice cream scooper, scoop the dough (1 scoop = 1 cookie). Place on a lined baking sheet. Cover with plastic wrap and place in fridge for 12 -24 hours.

7.Once you’re ready to bake cookies, take another lined baking sheet and add 4-6 cookies per sheet.

8.Bake at 350 until golden for about 12 minutes. Remove from oven and let cool.