February MSHL Newsletter

M IN STREET February 2024

In Case You Missed It Stay In the know

Holidays & Events You’ll want to mark your calendar!

A Few Reasons To Celebrate Birthdays & Work Anniversaries

Marketing Updates Main Street’s Finest Circle of Excellence and current Elite 8 Qualifiers

Health & Wellness Facts & Recipe Highlights

MSHL | ISSUE 2

POTENTIAL REFINANCE OPPORTUNITIES As you begin reaching out to clients for potential refinance opportunities, be sure to double check the early payoff date. See below for where to easily find this in Encompass

NFM Online Loan Application: New Features Available The January maintenance release of the NFM Online Application includes new features to assist Loan Originators with next steps.

SoftPull Report ID is now included on the SoftPull email sent to the Loan Officer.

This will save time as the LO no longer needs to go to the Encompass eFolder to open the SoftPull credit report to obtain the Report ID. The intent of this messaging is to avoid unnecessarily ordering tri-merges, as NFM has an 80% fall out prior to disclosing, and only a 7% fall out once a file is disclosed/sent to processing.

Trainings: NFM Guideline Training The NFM Guideline Training course is designed to learn NFM guidelines.

The next 4 session course is 02/07/24 – 02/28/24, noon to 1:00 pm est.

Mandatory for Underwriters, LP1, LP2 and Processors that have not previously completed the course. Optional for all others.

Live attendance is required. Recorded classes are not available.

1098 Statements IRS Reporting for 2023 Year end 1098 statements were emailed to the borrowers on January 30, 2024, and are also being sent via mail.

Tax1099.com emailed documents electronically on behalf of NFM with an originating email address of noreply@tax1099.com with a subject line of “Document Retrieval Portal.”

Borrower Econsent is required as a part of this electronic delivery. Borrowers may opt in to receive electronic delivery or opt out to receive paper form.

A username and password are required to access 1098.

The username is the borrower’s email, and the password are the first 4 letters of first name and last 4 of social.

MARKETING UPDATES REMINDER: Help @mainstreethomeloans get to 1000 followers on Tiktok! We’re currently at 904.

Be sure to engage with our posts after following! Be sure to tag @mainstreethomeloans on Tiktok/IG for us to follow you, repost your videos, and increase engagement.

ENCOURAGING IDEA SHARING: SUBMIT A WRIKE REQUEST WITH YOUR WITH A DETAILED DESCRIPTION OF WHAT YOU NEED HELP WITH.

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Caryn Niles Christine Steadman

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Derek Evans

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Valentines Day Erin Bowman

Susanne Zipp

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Kelcey Morange Brienne Bryan Chanon Gough Christine Steadman Debbie Weber Dera Atwell Jane Malone Janice Griffin

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David Campagnone

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Colin Long Jennifer Lang Schiff

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Skye Meyer

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Happy Anniversary John Caliri Kimberly Howard Lucy Togher Marisa Delzoppo Ryan Garvey Christopher Jordan Ramon Feliz Travis Vollmerhausen

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David Campagnone Caryn Niles Colin Long DJ Dixon Jennifer Richetelli Michael Plummer Patricia Vargas Jen Wells

Kimberly Howell Seana Pertangelo Vivian Garcia Zachary Wicks Margaret Graziano Josh Fowler

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

CULTURE CORNER BLACK HISTORY MONTH Black History Month is an annual celebration of achievements by African Americans and a time for recognizing their central role in U.S. history. Also known as African American History Month, the event grew out of “Negro History Week,” the brainchild of noted historian Carter G. Woodson and other prominent African Americans. Since 1976, every U.S. president has officially designated the month of February as Black History Month. Other countries around the world, including Canada and the United Kingdom, also devote a month to celebrating Black history.

The Black History Month 2024 theme, “African Americans and the Arts,” explores the key influence African Americans have had in the fields of "visual and performing arts, literature, fashion, folklore, language, film, music, architecture, culinary and other forms of cultural expression."

Did you know? The NAACP was founded on February 12, 1909, the centennial anniversary of the birth of Abraham Lincoln. www.blackhistorymonth.gov

LUNAR NEW YEAR Lunar New Year is one of the most important celebrations of the year among East and Southeast Asian cultures. Chinese Lunar New Year’s Day is celebrated every year on the first day of the traditional lunisolar Chinese calendar, typically occurring between January 21 and February 20. This year, it falls on February 10 and it is the year of the Dragon.

China’s Lunar New Year is known as the Spring Festival or Chūnjié in Mandarin, while Koreans call it Seollal and Vietnamese refer to it as Tết.

Tied to the lunar calendar, the holiday began as a time for feasting and to honor household and heavenly deities, as well as ancestors. The New Year typically begins with the first new moon that occurs between the end of January and spans the first 15 days of the first month of the lunar calendar —until the full moon arrives.

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2024 CIRCLE OF EXCELLENCE Stay tuned to wee who will conquer this year’s Circle of Excellence!

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*in the event of a tie on the final standings for units, the LO with the largest volume closed will win

TESTIMONIAL HIGHLIGHT Mellisa Holt, Pinehurst, NC “Mellisa was a complete ROCKSTAR! I sent my clients to her, because I had previously worked with Main Street Loans and was extremely pleased with the service I received. This loan needed to be fast-tracked, as my clients changed their purchase from cash to financing at the last minute.

There were also other aspects of the deal that could have made the process very difficult. Mellisa got right to work, and was able to handle all the twists and turns that were thrown at her. I know from when phone calls were made and emails were received, that she worked NON-STOP- nights, weekends, sports tournaments- to make sure we were able to close ON TIME! She did an outstanding job of explaining each step as we went, kept everyone updated on the progress of the loan in real-time, and had an open line of communication with my clients and myself through the entire process. As a Realtor®, it is so important to work with a Mortgage Officer that you have full confidence in. I look forward to working with Mellisa again, soon!”

-Betsy, Lendaid

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NATIONAL PROTEIN DAY Our bodies crave protein. It’s a “macronutrient” after all. National Protein Day, on February 27, focuses on the health benefits of one of the body’s most basic building blocks.

Remember, protein helps develop bones, skin, cartilage, and blood — while promoting weight loss and increased muscle mass. It can also help us stay fit throughout all stages of life. High-protein foods include everything from salmon to pumpkin seeds. Are you getting enough? Here’s your fun guide to this crucial nutrition source.

PROTEIN IS PART OF A HEALTHY DIET Protein is an important macronutrient for your body's growth and development. How much protein one should eat depends on the person.

74% Americans believe that it is important to get enough protein at each meal.

66% 2 out of 3 of Americans feel they understand how much protein they should eat in a given meal The National Today data science team surveyed 1,000 people about their protein-eating habits!

CHICKEN IS KING

PROTEIN KEEPS US FULL

Americans' favorite protein-source is the humble chicken.

Which meals are most important to Americans as a protein source?

While lab grown protein was decidedly unpopular with our survey respondents, 30% of Americans do like to mix up their protein intake with non-meat forms of the macronutrient.

2 in 3 say that protein-packed meals leave them feeling fuller longer than other types of foods. So, to them, breakfast really is the most important meal of the day!

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800 Dinner 36.4% Breakfast 42.1%

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Lab Grown Protein

Lunch 21.5%

Try an alternative protein source or two.

Lean meats and eggs are great sources of protein, but why not branch out a bit this Protein Day. Give quinoa a try, or lentils, edamame, or even tofu. The fact is that there are tons of protein-packed foods that can be prepared in delicious ways. Expand those protein horizons.

MAIN STREET KITCHEN & BAR On February 22, we celebrate National Chili Day — a moment to pay homage to the legendary dish that brings people together, and can tear them apart. Chili is the ultimate people-pleaser, but it’s also the ultimate cook-off dish. Family recipes are guarded like crown jewels, and secret ingredients are never spoken of above a whisper. And the debates about what makes true chili — beans or no beans? —are fierce! But these are all part of what makes chili such an experience.

When chili is being served — perhaps with some chopped onions and shredded cheese on top — everyone comes to the table.

THE BEST CHILI RECIPE Serves: 8 | Time: ~ 65 minutes | www.spendwithpennies.com/the-best-chili-recipe Ingredients: 2 pounds lean ground beef 1 onion diced 1 jalapeno seeded and finely diced 4 cloves garlic minced 2 ½ tablespoons chili powder divided (or to taste) 1 teaspoon cumin 1 green bell pepper seeded and diced 14 ½ ounces crushed tomatoes canned 19 ounces kidney beans canned, drained & rinsed 14 ½ ounces diced tomatoes with juice 1 ½ cups beef broth 1 cup beer 1 tablespoon tomato paste 1 tablespoon brown sugar optional salt and pepper to taste

Directions: 1. Combine ground beef and 1 ½ tablespoons chili powder.

2. In a large pot, brown ground beef, onion, jalapeño, and garlic. Drain any fat.

3. Add in remaining ingredients and bring to a boil. Reduce heat and simmer uncovered 45-60 minutes or until chili has reached desired thickness.

4. Top with cheddar cheese, green onions, cilantro or other favorite toppings.

Notes Serving size: 1 ½ cups Beer can be replaced with extra broth.

Any ground meat will work in this recipe.

Optional toppings: sour cream, red or green onion, cheese, jalapenos, cilantro, avocado & lime wedges, tortilla chips

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

MAIN STREET KITCHEN & BAR National Kahlua Day is celebrated on February 27 every year as a tribute to one of the greatest rich, creamy, alcoholic, coffee dessert beverages — yes, it is none other than Kahlua! Did you know that Kahlua is the world’s number one coffee liqueur? People love this coffee-flavored, rum-based liqueur.

Ingredients: 1 shot of espresso 1/2 ounce of vanilla vodka 1 ounce of Kahlua 3/4 of an ounce of salted caramel simple syrup Directions 1. Shake with no ice for 20 seconds 2. Shake with ice for another 20 seconds 3. Double strain to catch any ice chips

Scan here for visual aid

BONUS TREAT On the topic of coffee liqueur- try topping your ice cream with Baileys The Original Irish Cream for a sweet, boozy treat!

Trivia: Over time, the length of February kept changing. At one point, it had as little as ___ days

a. 14 b. 29 c. 23 d. 21 Win a prize by being the first to respond with your answer to marketing@mainstreethl.com!