The FHFA has released the 2025 Area Median Income (AMI) values, and both Fannie Mae and Freddie Mac have issued guidance on system updates. Reference the Corporate Bulletin from 5/16/25 for guidance and instruction.
For any questions on AMI configuration or post-lock handling, please contact the Pricing Desk
REMINDER: Changes to Affordable/Equitable Lending Programs:
These programs are being retired:
Home Possible BorrowSmart
Update: Loans have to be locked by end of the day on Thursday, July 3rd
HomeReady First (aka Home Buy Assist 3k and 6k)
Loans must be closed/funded by 6/13
BorrowSmart Access
Loans had to have been closed/funded by 5/9
Notice
for
Non-Permanent Residents:
FHA transactions effective with casefile assignments on and after May 25, 2025 FHA is eliminating eligibility for Non-Permanent Resident Borrowers
NFM requires the completion of the citizenship portion of section 1a on the Uniform Residential Loan Application (URLA), including on FHA non-credit qualifying streamline refinance transactions.
NFM must determine the residency status of the Borrower(s) based on information provided on the mortgage application and other applicable documents US Citizens, Permanent Resident and Citizens of the Federated States of Micronesia, the Republic of the Marshall Islands, or the Republic of Palau are the only acceptable residencies permitted with casefiles assigned on and after May 25, 2025. USDA has already announced that they will not longer accept applications for nonpermanent residents.
GUS findings will reflect this, provided correct information is provided
Reminder: Total Expert Training 6/4- 1pm. Details to register were sent in the last Marketing Update email on 5/29/25.
RETR- NOW AVAILABLE!
1.Visit https://retr.app/
2 Click “Start Free Trial”
3 Sign up using your company email and NMLS number
BACK BY POPULAR DEMAND Road to the Dominican Republic
GREAT QUALIFIERS
Hyatt Zilara Cap Cana is the newest all-inclusive resort exclusively for adults in the beautiful gated community of Cap Cana. Located on the sought-after shores of Juanillo Beach in the Dominican Republic, Hyatt Zilara Cap Cana is a tropical paradise where guests can indulge in all-inclusive luxury surrounded by local culture, magnificent ocean views and incredible amenities like sprawling infinity pools with swim-up bars, a water park with a lazy river and slides, floating swim-up suites, 12 unique restaurants and bars, a world-class fitness center and so much more. Luxurious inclusions and welcoming staff ensure a vacation at Hyatt Zilara Cap Cana will exceed guests’ expectations in every way imaginable.
Health&Wellness
ALZHEIMER'S AND BRAIN AWARENESS MONTH
June is recognized as Alzheimer’s and Brain Awareness Month to bring attention to and spread the word about Alzheimer’s disease and other dementia-related conditions Sccording to the Centers for Disease Control and Prevention (CDC), as many as 5 8 million Americans were living with Alzheimer’s disease Currently, Alzheimer’s is ranked as the sixth leading cause of death among U S adults The number of people who live with Alzheimer’s doubles every five years after the age of 65. In more than 90% of cases of Alzheimer’s, symptoms do not show until after age 60. In 2018, the total cost for health care for those with dementia and Alzheimer’s disease was estimated to be $277 billion.
TOP-FIVE WORKING SIGNS FOR ALZHEIMER’S
1.Memory loss that disrupts daily life
2.Challenges in planning or solving problems
3.Difficulty completing familiar tasks at home, at work, or at leisure
4.Confusion with time or place
5.Trouble understanding visual images and spatial relations
MAIN STREET KITCHEN & BAR
A REFRESHING SUMMER BITE
Perfect for a quick lunch or light dinner on a busy pool day!
CAPRESE PANINI
INGREDIENTS
1 Ciabatta Roll or 2 Slices of Sourdough Bread
2 Slices of Fresh Mozzarella Cheese
2-3 Tomato Slices
Handful of Fresh Basil Leaves
2 Tablespoons of Olive Oil
1 Tablespoon of Balsamic Glaze Salt and Pepper, to Taste
INSTRUCTIONS
1 Slice the ciabatta roll in half Brush the outside of the bottom half with 1 tablespoon of olive oil and place it on a hot panini press or grill pan.
2. Layer the fresh mozzarella, tomato slices, and basil leaves on the bread Drizzle with balsamic glaze and season with salt and pepper to taste.
3. Brush the top half of the ciabatta roll with the remaining olive oil and place it over the sandwich. Close the panini press or press down with a heavy pan, cooking until the bread is golden brown and the mozzarella begins to melt.
4.If using a grill pan without a press, flip the sandwich once the bottom is toasted to grill the other side.
WATERMELON CRUSH
INGREDIENTS
⅓ Cup Pureed Watermelon
2 oz Vodka
1 oz Triple Sec
3 oz Lemon-Lime Soda
Watermelon and Mint for Garnish
INSTRUCTIONS
1. Add the watermelon to a blender or food processor and pulse until smooth. Strain the mixture to remove any seeds.
2 Fill a glass with crushed ice Add the watermelon juice, vodka and triple sec and stir. Top with soda, some fresh watermelon and mint.
Pride Month is an annual celebration held in June to honor the LGBTQ+ community. It recognizes the impact LGBTQ+ individuals have had on history, promotes equal rights, and celebrates sexual and gender diversity. Win a prize by being the first to respond with your answer to marketing@mainstreethl.com!
