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.
Matthew Prehn
Patricia Vargas Kathryn
Michael Jenkins
Rosh Hashanah Rosh Hashanah
Togher
Danak
Marisa DelZoppo Vivian Garcia Kim Howell
MARKETING REMINDER
GeneralMarketingTurn-Times
ExistingFlyer customization
OpenhouseFlyers Requestsaredueby Wednesdayby5pm SocialMediasupport individualpage management Brandedsocialmedia content
NewHireOnboarding
DirectMailand/ordigital ADs
BrandNewDesignfor Flyer/SocialMedia
NewMarketingMaterials
Customflyercreations
Postcard,booklets, Presentationbranding Translationservices
Eventplanning/SWAG/ signage
CustomApparel
PersonalBrandguides Videorequest
Turn-timesmayvarybasedonprojectscope.Reviewofrequestsmustbeprovidedwithin48 hoursofreceipt,otherwisetheprojectwillbeclosedoutandmarkedcompleted.
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
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
Jon Wald
Kaitlyn Linane
Meredith Bolton
Trent Riggs
rian Coleman
Dave Tra
GREAT QUALIFIERS
Karen D.
Sal Savastano
David Licciardi
Ashley Donovan
Wendy Posada
Health&
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
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 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
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.
