MSHL 2025 Newsletter

M IN STREET In Case You Missed It A Few Reasons To Celebrate Birthdays & Work Anniversaries

Marketing Updates Main Street’s Finest Great 8 Winners!

Health & Wellness Facts & Recipe Highlights

MSHL | ISSUE 9

IN CASE YOU MISSED IT Please remember the VA REQUIRES invoices for EVERY FEE paid by the Veteran, including all Title Fees.

The VA does not accept the Closing Disclosure (CD) as sufficient documentation. Per Guidelines, they specifically require an itemized invoice for Title/Escrow fees, presented on the company’s letterhead, with a detailed breakdown of each fee and its corresponding amount for every file. For example, we must provide invoices for items such as Septic Inspection, Lender’s Coverage Premium, Title Search Fee, Recording Fees, Tax Stamps, Homeowner’s Insurance, Property Taxes, and the Title Owner’s Premium.

New Product Announcement: NFM DSCR. Live NOW! New in-house DSCR product offers simpler underwriting guidelines and better pricing.

Non-QM margins apply Find guidelines in NFM Non-QM section These programs have been retired: HomeReady First (aka Home Buy Assist 3k and 6k) Loans had to have been closed/funded by 6/13 BorrowSmart Access Loans had to have been closed/funded by 5/9 Home Possible BorrowSmart Loans had to have been locked by end of the day on August 15th New Tax Transcript Vendor – Halcyon: Now Available Available on 09/05/25 Halcyon will be providing Tax Transcript services for NFM and divisions.

Halcyon Training is available on Paycom Learning and has been assigned to all Processors.

The training is also available for all other roles and can be self-assigned.

To see resources about Halcyon including borrower guides visit the Halcyon Tax Transcripts Resources page on INSITE. New NFM VOIE Service is now live!

The new service is now available on the NFM VOIE Upload screen in Encompass.

By uploading Paystubs and W-2s using the form you will: Automatically calculate income Receive Representation and Warranty for both Income and Employment with Freddie Mac Obtain a 10-day closing VOE For additional information please view the job aid provided in the most recent Corporate Bulletin.

Reminder: NFM DBA Update On July 1, 2025, the NMLS effectively changed the company name from NFM, Inc. to NFM Lending, LLC. *This name change applies to ALL Marketing as well. Please update any content you share to include: Main Street Home Loans, dba NFM Lending, LLC.

SEPTEMBER S

T

M Labor Day

W

1

Michelle McCormick

8

9

Chris Jordan

15

5

6

10

11

12

13

19

20

Margaret Graziano

Lauren Gessner Steven Linane

17

18

Patricia Vargas

Beth Kearns

22 Rosh Hashanah 23 Rosh Hashanah 24

Nick Anthony Travis Vollmerhausen

28

4

16

Tonya Schwarz

21

S

Leah Danak

Kathryn Diperna Maria Marin Taryn Morthland

14

F

3

2

Lucy Togher

7

T

Marisa DelZoppo

29

Vivian Garcia

25

Kim Howell

26

Matthew Prehn Thomas Molloy

30

Michael Jenkins

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

Happy Anniversary Amy Flaherty

David Boswell

Emily Butzner

Eric Stillwell

Ming Huo Chiu

Kevin Wamsley

Joey Hair

Matt Pfeiffer

27

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

3-7+ Business Days

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

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. - 5:00 p.m. EST 2-hour Response

Use the Wrike Marketing Request Form

MARKETING UPDATES MONTHLY MARKETING EFFORTS: REMINDER Did you miss our Monthly Marketing Efforts? All our monthly efforts, social media calendar, and updated flyers are accessible at any time on Insite.

Visit the MSHL Insite page > Departments > Marketing Let’s Get Social! Newsletter can now be found on Insite!

COMING SOON Our new MSHL Store is set to launch THIS month! Have an item you love or wish was available? Let us know!

Email us at marketing@mainstreethl.com and we’ll work to stock our selection with all your favorites.

DISCLAIMERS On July 1, 2025, the NMLS effectively changed the company name from NFM, Inc. to NFM Lending, LLC. *This name change applies to ALL Marketing. Please update any content you share to include: Main Street Home Loans, dba NFM Lending, LLC.

M IN STREET Marketing Team pon g

llet Courti e i r r a C

ex Joy L

Marketing Director

Senior Marketing Specialist

Skye M

ey er

Digital Marketing Coordinator

L a u re

n er n Gess

Marketing Intern

2025 CIRCLE OF EXCELLENCE The 2025 Circle of Excellence Qualifiers have done $20M in Volume or 70 Units Darran Anthony Neil Bourdelaise Kyndle Quinones Karen Dulmage Nathan Hartseil Alicia Harkowa

Jon Wald Kaitlyn Linane Meredith Bolton Trent Riggs Brian Coleman Dave Travers

Sal Savastano David Licciardi Ashley Donovan Wendy Posada

EAT R G

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S R LIFIE

B. Neil

n D. Kare

le Q. Kynd

. lyn L Kait

R. Trent

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Bob O

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Jon W

V. icia Patr

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

WORLD ALZHEIMER’S MONTH World Alzheimer’s Month, observed every September, is a global campaign dedicated to raising awareness, challenging stigma, and supporting the millions of people and families affected by Alzheimer’s disease. It serves as a reminder of the importance of early diagnosis, education, and compassion while honoring the memories of those we’ve lost and standing in solidarity with those still fighting. By coming together, we can spread understanding, offer hope, and inspire action in the journey toward a world without Alzheimer’s.

DID YOU KNOW? Over 7 million Americans are living with Alzheimer's.

By 2050, this number is projected to rise to nearly 13 million.

About 1 in 9 people age 65 and older has Alzheimer's.

Health and long-term care costs for people living with dementia are projected to reach $384 billion in 2025 and nearly $1 trillion in 2050.

The lifetime risk for Alzheimer's at age 45 is 1 in 5 for women and 1 in 10 for men.

MAIN STREET KITCHEN & BAR GAMEDAY JALEPEÑO POPPER DIP

INGREDIENTS

2 (8 oz) packages cream cheese, softened 1 cup mayonnaise 6–8 slices of bacon, cooked crispy and crumbled 4–6 fresh jalapeños, seeded and finely chopped 1 cup shredded cheddar cheese ½ cup shredded mozzarella cheese ¼ cup diced green onion

INSTRUCTIONS 1.Preheat oven and prep: Preheat your oven to 350°F. Spray an 8x8-inch casserole dish with nonstick cooking spray.

2.Make the dip base: In a large mixing bowl, beat the softened cream cheese until smooth. Add the mayonnaise, sour cream, cheddar cheese, mozzarella cheese, chopped jalapeños, bacon, and green onion. Mix until everything is well combined.

3.Transfer to dish: Spread the dip mixture evenly into the prepared casserole dish.

4.Prepare the topping: In a small bowl, combine the crushed crackers (or panko), Parmesan cheese, and melted butter. Mix with a fork until the crumbs are moistened.

5.Add and bake: Sprinkle the topping evenly over the dip mixture. Bake for 20–30 minutes, or until the dip is hot and bubbly and the topping is golden brown.

6.Serve warm: Let the dip cool for a few minutes before serving. Serve with tortilla chips, crackers, or toasted baguette slices.

CHEESY SAUSAGE DIP INGREDIENTS

2 tablespoons olive oil 12 ounces ground beef sirloin 8 ounces dry-cured Spanish chorizo, finely chopped 2 pounds processed cheese (such as Velveeta), cubed 2 (14-oz.) cans diced tomatoes and green chiles (such as Rotel) 1/2 teaspoon crushed red pepper Tortilla scoops, for serving

INSTRUCTIONS 1. Heat oil in a large skillet over medium-high. Add beef and chorizo; cook, stirring often to crumble beef, until browned, 6 to 7 minutes. Transfer meat to a plate lined with paper towels; drain 5 minutes. Transfer to a 6-quart slow cooker; stir in cheese, tomatoes-and-chiles, and crushed red pepper. Cover and cook on HIGH, stirring occasionally, until cheese is fully melted and sauce is smooth, about 1 hour. Turn slow cooker to WARM; serve with tortilla scoops.

TOUCHDOWN PUNCH INGREDIENTS

2 ½ oz prosecco 1 ½ oz pineapple juice ½ oz rum (spiced or white) ¾ oz orange juice ¾ oz lemon juice ¼ oz grenadine

INSTRUCTIONS

1. To a cocktail shaker add the rum, orange juice, lemon juice, grenadine, and pineapple juice, along with a handful or ice cubes.

2. Shake until chilled and frothy, add to a glass then top with prosecco.

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

Trivia: What states don’t have an NFL team?

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