May 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 5

REMINDER Members 1st CU Construction to Perm / One Time Close Training is required and will be posted on INSITE Highlights include the following: 95% LTV up to current maximum conforming loan limit Minimum term 15 years / Maximum term 30 years Owner-occupied Fannie Mae product with investor overlays MI required for 80.01% LTV and above No self-builds permitted - licensed contractors only Construction cannot begin until after the settlement/closing Not available in CA, DC, TX, HI, AK Pricing: Jumbo margins apply Rate sheet will be posted on INSITE on the Secondary page To lock a loan, please contact pricing@nfmlending.com

RETR LAUNCH Effective May 31 we are moving to RETR, the leader in agent transaction/contact data and market intelligence. NFMEdge will no longer be available after 5/31.

Follow the instructions below to get your free 35 day trial. For those already using Edge, you will have access to both starting immediately.

If you currently have a RETR account under your company email – you get the trial period free-- just log back in using this link: https://retr.app/Account/Login.

The charge for RETR starting June 1 will the same as the edge--$50 per month.

If you’ve never had a RETR account: 1. Go to: https://retr.app/ 2. Click: “Start Free Trial” button 3. Register using your company email RESOURCES: RETR Demo: https://demo.retr.com Video Library of Recent Features: https://new.retr.com

TRAININGS Total Expert Marketing Training – May 7th at 1pm ET Cybersecurity 2025 Training – Due 06/06/25

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Cinco De Mayo

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Ryan Garvey

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Melissa Wright

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Michael Giordano Mother’s Day

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Austin Manno

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Kaitlyn Linane

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Matthew Zink

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Pete O’Donnell

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Memorial Day

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Wendy Posada

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JD Teitelman

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Jeffrey St. Clair

Karen Dulmage

Jeffry King

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Linda Black

24

Justin Del Giudice

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DJ Farrell

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

Tatiana Sabella Gina Smith Laura Lord Maria Marin

MARKETING REMINDER Please review the turn time below for Marketing requests ALL marketing and video 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 Video request

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 Darran Anthony Neil Bourdelaise Karen Dulmage

Kyndle Quinones

Dave Licciardi

John Savastano

Jon Wald

Nate Hartseil

Trent Riggs

Sal Savastano

Wendy Posada

Carolyn Flitcroft

Alicia Harkowa

Kaitlyn Linane

Meredith Bolton

MORTGAGE EXECUTIVE Kyndle Quinones

Nate Hartseil

Trent Riggs

Karen Dulmage

Alicia Harkowa

Dave Licciardi

Meredith Bolton

Wendy Posada

Neil Bourdelaise

Kaitlyn Linane

Jon Wald

Carolyn Flitcroft

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S R LIFIE

B. Neil

n D. Kare

a H. Alici

R. Trent

le Q. Kynd

S. John

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Jon W

B. dith Mere

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s & h W t s l e a ell n e

MAY IS MENTAL HEALTH AWARENESS MONTH Mental Health Awareness Month was established in 1949 to increase awareness of the importance of mental health and wellness in Americans’ lives and to celebrate recovery from mental illness. For more than 20 years, the Substance Abuse and Mental Health Services Administration (SAMHSA) has recognized Mental Health Awareness Month (MHAM) every May to increase awareness about the vital role mental health plays in our overall health and well-being and provide resources and information to support individuals and communities who may need mental health support.

KEY FACTS ABOUT MENTAL HEALTH IN THE U.S.?

Despite progress in mental health initiatives, more than 30 million people in the U.S. still lack access to comprehensive, high-quality care. These statistics highlight the ongoing need for Mental Health Awareness Month and the importance of bringing attention to this disparity:

1 IN 5

U.S. adults experience mental illness each year.

1 IN 6

U.S. youth have a mental health condition, but only half receive treatment.

high school students seriously considered 2 2 % Of suicide in the past year.

MAIN STREET KITCHEN & BAR CELEBRATE WITH RECIPES FOR THE ENTIRE FAMILY Spice up your celebration with these festive Cinco de Mayo recipes!

CHURRO CUPCAKES INGREDIENTS (CUPCAKES) 1 1/2 cups all-purpose flour 1 1/2 cups cake flour 1 tablespoon baking powder 1/2 teaspoon salt 1 tablespoon ground cinnamon 1 cup (2 sticks) unsalted butter, room temperature 1 3/4 cups sugar 4 large eggs, room temperature 2 teaspoons vanilla extract 1 1/4 cups milk

INGREDIENTS (TOPPING) 4 tablespoons butter, melted 1/4 cup granulated sugar 1 teaspoon ground cinnamon

INGREDIENTS (FROSTING) 1/2 cup (1 stick) butter, softened 1 (8 ounce) cream cheese, softened 1/2 teaspoon vanilla extract 1 teaspoon ground cinnamon 5 cups confectioners' sugar 1 tablespoon milk (if desired)

INSTRUCTIONS 1. Preheat oven to 350 degrees.

2. Line standard muffin tins with paper liners.

3. Whisk together both flours, baking powder, salt and cinnamon.

4. With an electric mixer on medium-high speed, cream butter and sugar until fluffy.

5. Add eggs, one at a time, beating until each is incorporated, scraping down sides of bowl as needed.

6. Beat in vanilla.

7. Reduce speed to low.

8. Add flour mixture in three batches, alternating with two additions of milk, and beating until combined after each.

9. Fill each cupcake liner three-quarters full.

10. Bake 20 minutes.

11. Transfer tins to wire racks to cool completely before removing cupcakes.

12. Top with cinnamon sugar crunchy topping and cinnamon cream cheese frosting.

13. Refrigerate until ready to serve. Set out 20 minutes before serving

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

MAIN STREET KITCHEN & BAR INSTRUCTIONS FOR CINNAMON SUGAR TOPPING 1. In a small bowl melt butter.

2. In another small bowl combine the sugar and cinnamon.

3. When cupcakes are completely cooled brush melted butter on the tops and dip into the cinnamon sugar mixture.

INSTRUCTIONS FOR CINNAMON CREAM CHEESE FROSTING 1. In a medium bowl, beat butter and cream cheese until light.

2. Mix in vanilla and cinnamon; add confectioners' sugar 1 cup at a time until all is incorporated.

3. If the frosting gets too thick, add milk a few drops at a time until it reaches desired consistency.

BIRRIA INGREDIENTS 4 pounds beef chuck roast, cut into 3-inch chunks 10 guajillo chiles 5 ancho chilies 3 arbol chilies 2 Roma tomatoes 1 white onion, quartered 6 garlic cloves, unpeeled 2 cups low-sodium beef broth

2 tablespoons apple cider vinegar 2 teaspoons kosher salt 1 teaspoon ground black pepper 1 teaspoon ground cumin 1 teaspoon dried Mexican oregano ½ teaspoon ground cloves ½ teaspoon ground cinnamon ¼ teaspoon ground ginger 3 bay leaves

INSTRUCTIONS 1. Deseed and simmer the chilies. Slice the stems off the chilies and shake out the seeds. Then, give them a quick rinse to remove any dust or dirt from the outside. In a medium pot, add the Guajillo chilies, Ancho chilies, and Arbol chilies. Cover completely with water and bring to a simmer over medium heat.

Simmer for 15 minutes, until the chilies have softened.

2. Roast the veggies. While the chilies are simmering, add the tomatoes, onion, and garlic cloves to a quarter sheet pan. Broil them for 4 to 6 minutes, until lightly charred.

3. Make the sauce. Transfer the chilies and 1 cup of the remaining water to a high-powered blender.

Remove the garlic from it's peel and add it to the blender along with the tomatoes, onion, broth, vinegar, cumin, oregano, cloves, cinnamon, and ginger. Blend on high for 1 to 2 minutes, until completely smooth.

4. Slow cook the birria. Place the beef chunks in the slow cooker. Pour the birria sauce on top, and add the bay leaves. Use tongs to gently mix it all together. then cover. Cook on low for 8 to 9 hours, or on high for 4 to 5 hours. The beef should be tender and fall apart easily when shredded with a fork. If it doesn't shred easily, cook it a bit longer.

5. Shred the meat and combine it with the sauce. Discard the bay leaves. Remove the beef to a cutting board and use two forks to shred it. Place the shredded beef back in the slow cooker, stir it, and let it absorb the liquid (aka consommé).

CULTURE CORNER ASIAN AMERICAN AND PACIFIC ISLANDER HERITAGE MONTH Asian American and Pacific Islander Heritage Month began in 1977 as a smaller tenday celebration in May, and grew into a month-long observance in 1990. The month commemorates the resilience and legacy, traditions, and culture of Asians, Asian Americans, Native Hawaiians, and Pacific Islanders across the United States. John F. Kennedy once said: “Our attitude towards immigration reflects our faith in the American ideal.” The American ideal is to recognize the rich cultural diversity of our nation and honor the contributions of all immigrants. Through traditional and social media, in theaters, museums, and parks, various events are organized to draw attention to Asian American and Pacific Islander culture. www.edib.harvard.edu

Trivia: Which three horse racing championships make the Triple Crown?

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