Credit Reports with CIC Updates for 2025: Effective for New Applications on and after January 1, 2025
The disclosed amount for credit will be updated to $225
The cost of the closed loan bundle, which include the single bureau soft pull report, trimerge hard report, unlimited credit supplements, UDN, and ScoreNavigator will be $199 + tax
At the time of closing the actual cost of the credit invoice will be reconciled on the Closing Disclosure
TWN and Experian Verifications of Income and Employment updates for 2025: Effective for New Orders On and After January 1, 2025
Experian Verify will be $60 per borrower for a 24-month look back
TWN (The Work Number) will be $68 per borrower per employment (still requires a 36-month look back, so could rise to $136/borrower)
Argyle remains at $10 per borrower per employment
TRAININGS:
NFM Guideline Training
The next 4 session course is 01/08/25 – 01/29/25, noon to 1:00 pm EST. Mandatory for Underwriters, LP1, LP2 and Processors that have not previously completed the course.
ONLINE APPLICATION ENCHANCEMENTS:
Co-Branded Applications with your realtor or builder partners are now available!
How to Get Started:
To set up a co-branded application, simply email support@nfmlending.com with the following details:
Subject: Co-Branded Loan App link Request In the Body of the email include
- Name of the link (e.g., greathomes)
- Name of the person (Great Homes)
- Email of the person (jdoe@greathomes.com)
- Headshot of the partner (optional, for a personalized touch)
Once completed, your new loan application link https://apply.nfmlending.com/app/xyzLoID/greathomes will be ready to be shared with and used by your partner.
S M T W T
Alyssa
Zapata
Andrea Denault Joseph Travers CliffordThunstrom MLK Jr Day Inauguration Day Lunar New Year
*Please note- store credits issued for birthdays expire each year so be sure to take advantage of them yearly!
NFM Family of Lenders is transitioning to a new social media compliance company called ActiveComply on February 1, 2025.
ActiveComply is an industry leader that provides social media and website monitoring built specifically for the mortgage industry. This platform will allow NFM to provide a much broader and deeper measure of employee social media monitoring and website compliance while working with loan originators to ensure their social media presence does not pose a risk to their business
Please be on the lookout for more communication around ActiveComply, including how field sales will utilize it We'll also introduce a new Vendor Management team member who will communicate when social media platform updates are needed.
2024 CIRCLE OF EXCELLENCE
Congratulations to these amazing producers for being our 2024 Circle of Excellence Qualifiers!
It’s no secret that with the new year usually comes new year’s resolutions People around the world make health and fitness goals to better themselves and create healthy change While the fresh start to the year Is surrounded by motivation, we challenge you to not do the 75 hard, participate in dry January, or train for a half marathon, unless that is, you absolutely want to and feel that it is attainable for you to do so! Our challenge for you Is to make S M A R T new year’s resolutions and goals.
CREATE A VISION
Whether your new years health and wellness goals and wellness forward or not, a great way to organize and compartmentalize your goals and resolutions are by creating a vision board! If you’re a visual person, like all of us on the Marketing Team, you also have a love for all things Pinterest
Creating a Pinterest board is not only an amazing way to visualize your goals, but you can also create it, admire it, and then close out of it and never have to look at it again! It’s an initial reminder of what your vision for the new year is, and the second you close out of it, consider it in the background and manifesting. If it’s something that you want to keep in the forefront of your life, you can also use the images saved on your Pinterest board and create a screensaver for your phone or desktop to give you that extra reminder every day
If you’re looking to create your own vision board or screensaver, we recommend using Pinterest and Canva!
MAIN STREET KITCHEN & BAR
NEW YEAR’S LUCK, ALL MONTH LONG!
BLACKEYEDPEACOWBOYCAVIAR
INGREDIENTS
15 ounce can black beans drained and rinsed
15 ounce can black eyed peas drained and rinsed
2 medium tomatoes seeds removed, diced
15 ounce can corn drained, can use 1-2 cups of fresh or frozen instead if available
15 ounce can olives drained and chopped
1 avocado pit removed, peeled, chopped
1 red bell pepper seeds and stem removed, diced
1/2 medium red onion diced
1/4 cup fresh cilantro minced
DRESSSING
1/4 cup lime juice
1 tablespoon raw honey
1 teaspoon chili powder
1 teaspoon cumin
1 teaspoon kosher salt more if desired 1/3 cup olive oil
INSTRUCTIONS
1
Make the salad: Combine all ingredients, except for those designated for the dressing in a very large bowl Toss to combine 15 ounce can black beans, 15 ounce can black eyed peas, 2 medium tomatoes, 15 ounce can corn, 15 ounce can olives, 1 avocado, 1 red bell pepper, 1/2 medium red onion, 1/4 cup fresh cilantro
2
Make the dressing: Combine all of the remaining ingredients except for the olive oil While whisking, slowly pour a thin stream of 1/3 cup olive oil in, whisking constantly, until it all has been added
Continue to whisk until fully emulsified, 1/4 cup lime juice, 1 tablespoon raw honey, 1 teaspoon chili powder, 1 teaspoon cumin, 1 teaspoon kosher salt
Combine and serve: Add dressing to the salad and toss to coat. Transfer to a clean bowl for serving, if desired. Serve immediately or refrigerate to serve later. Best if served same day. If you want to make ahead, omit the avocado and keep dressing separate until you're ready to serve. Enjoy!
CULTURE CORNER
LUNAR NEW YEAR
In 2025, the Chinese New Year begins on January 29 and ushers in the Year of the Wood Snake, a time associated with transformation, growth, and introspection Many individuals and communities, particularly Chinese communities, in the United States take part in the Lunar New Year celebrations, which can last for days Lunar New Year celebrations in the United States have, over the years, included activities and events such as:
Lunar New Year parades featuring colorful costumes, floats, firecrackers and other attractions.
Various dances, including lion and dragon dances.
Chinatown fun runs or walks. Balls and pageants. Street fairs. Firework displays.
