Mellisa
IN CASE YOU MISSED IT
Introducing a SMARTER way to Refinance… TitleAssist Refi is here!
TitleAssist Refi is an innovative program that will waive the lender’s title insurance policy requirement for qualified refinances – saving the borrower hundreds to thousands of $$!
Details:
The TitleAssist Refi Program offers a waiver of a lender’s title insurance policy for eligible loans, available on select conventional DU refinance transactions.
This initiative promotes equitable and sustainable access to home ownership and meaningfully reduces closing costs for all consumers while providing a streamlined closing experience.
Fannie Mae loans only Refinances only: Limited Cash Out Refi (LCOR); Cash Out Refi (COR)
Other exclusions apply (e.g., Max LTV 80%). Please review the TitleAssist Refi Job Aid on Insite for other exclusions and more information.
Encompass will flag loans that qualify (receive the DU message).
Encompass Services will be enabled to allow title and closing services ordering through the provider, Doma SmartFees will be updated to include Doma’s product and fees
Please see the map below, which shows the states where it is currently offered.
MARKETING REMINDER
ExistingFlyer customization
OpenhouseFlyers Requestsaredueby Wednesdayby5pm
SocialMediasupport individualpage management Brandedsocialmedia content
NewHireOnboarding
CRMDatabaseIntegration BusinessCards Review&order-24 hours;Production& shipping-3-5business days
DirectMailand/ordigital ADs
BrandNewDesignfor Flyer/SocialMedia
NewMarketingMaterials
Customflyercreations
Postcard,booklets, Presentationbranding Translationservices Eventplanning/SWAG/ signage CustomApparel PersonalBrandguides Videorequest
Turn-timesmayvarybasedonprojectscope.Reviewofrequestsmustbe providedwithin48hoursofreceipt,otherwisetheprojectwillbeclosedoutand markedcompleted.
MARKETING UPDATES
Marketing October Training - Box + Bestow - Automated Closing Gifts
Learn how to automatically send memorable closing and milestone gifts (directly from your Total Expert account) without lifting a finger.
Join us to learn how this seamless solution can help you stand out, boost referrals, and create lasting client relationships.
Date: Wed, October 8th, 2025
Time: 1 p.m. ET (12 p.m. CT / 11 a.m. MT / 10 a.m. PT)
Link to register: https://us06web.zoom.us/meeting/register/8J2OfGERjyuBDNxqdd7Jg#/registration
Keep an eye out for new content in Total Expert
New content is added often to Total Expert and available for use with your branding, any time
Here are a few recent topics that have been added:
Fall/winter home maintenance checklist
VA Loan general product flyer
5 advantages to homeownership
Home Equity usage
Using your 401k for a down payment
Breaking down your credit score
Family Home Mortgage
NFMGPT Updates:
Are You Ready to Respond to Refinances?
With the Encompass Assistant on NFMGPT, you can instantly generate detailed Refinance Reports. Don’t miss out on this essential tool start using the Refi Report on NFMGPT today to help your clients and grow your business!
From the Encompass Assistant, enter the proposed New Rate in the FHA, VA, Conv and Conv nonowner fields.
Enter a Threshold and hit Enter
e g : If you pick a 6 00% New Rate and a Threshold of 0 50, the report will show closed loans with rates over 6 50%
You can review the report on screen or download to Excel
Watch this short video for more
Questions? Visit the NFMGPT Knowledge Center for tips, tricks, and FAQs
Want personalized help? Email us at training@nfmlending.com for one-on-one training
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
Sal Savastano
rian Coleman
Dave Tra
David Licciardi
Ashley Donovan
Wendy Posada
Karen D. Jon W.
Carolyn Flitcroft
GREAT QUALIFIERS
Kaitlyn L.
Alicia H. Davidt.
Health& Health&
BREAST CANCER AWARENESS MONTH
Breast Cancer Awareness Month is observed every October to raise awareness about breast cancer, promote early detection, support those affected by the disease, and fund research for a cure. During this month, individuals, organizations, and communities around the world come together to share information, encourage screenings like mammograms, and honor survivors and those who have lost their lives to breast cancer The pink ribbon, a widely recognized symbol, represents solidarity and hope. Events such as walks, fundraisers, educational campaigns, and public displays of pink aim to empower people with knowledge and inspire action in the fight against breast cancer.
HAVE YOU SCHEDULED YOUR MAMMOGRAM YET?
Click here to find where to get a mammogram near you
www.accessdata.fda.gov
EARLY DETECTION SAVES LIVES
While routine mammograms are extremely Important, so are at-home self breast exams. If you find a lump or other change in your breast, make an appointment with a doctor or other healthcare professional Don't wait for your next mammogram to see if the change you found Visit the link below for how to perform a self breast exam
how to perform a self breast exam
MAIN STREET KITCHEN & BAR
PUMPKIN-NUTELLA SWIRL QUICK BREAD
INGREDIENTS
2 cups (240 g ) all-purpose flour
1 tsp. baking soda
1 tsp. ground cinnamon
1 tsp. pumpkin pie spice
1/2 tsp. baking powder
1/2 tsp. kosher salt
2 large eggs
1/4 cups pumpkin puree
3/4 cup (150 g.) granulated sugar
1/2 cup vegetable oil
1/4 cup buttermilk
1 tsp pure vanilla extract
1/2 cup Nutella
INSTRUCTIONS
1 Preheat oven to 350° and grease a 9"x5" loaf pan with cooking spray In a medium bowl, whisk flour, baking soda, cinnamon, pumpkin pie spice, baking powder, and salt until combined.
2.In a large bowl, whisk eggs, pumpkin puree, granulated sugar, oil, buttermilk, and vanilla until smooth. Add dry ingredients and fold with a rubber spatula until just combined. Transfer 1 cup batter to a small bowl and stir in Nutella.
3. Using an ice cream scoop or measuring cup, place about 1/4 cup pumpkin batter in one corner of prepared pan. Place about 1/4 cup Nutella batter directly next to it. Repeat alternating scoops of batter to cover bottom of pan; the mixture will resemble a checkerboard pattern. Repeat with remaining batter to form a second layer.
4.Place the end of a chopstick or skewer into batter and drag back and forth across batter. Rotate pan 90° and drag back and forth across batter again
5 Bake bread until a tester inserted into the center comes out clean, 60 to 65 minutes Let cool 15 minutes Carefully remove bread from pan, transfer to a wire rack, and let cool completely
HOT TODDY INGREDIENTS
¾ cup water
1 ½ ounces whiskey
2 to 3 teaspoons
honey, to taste
2 to 3 teaspoons
lemon juice, to taste
1 lemon round
1 cinnamon stick (optional, for garnish)
INSTRUCTIONS
1.In a tea kettle or small saucepan, bring the water to a simmer. Pour the hot water into a mug.
2.Add the whiskey, 2 teaspoons honey and 2 teaspoon lemon juice. Stir until the honey has disappeared into the hot water. Taste, and add 1 teaspoon honey for more sweetness, and/or 1 teaspoon more lemon juice for more zing
3 Garnish with a lemon round and cinnamon stick (if using) Enjoy!
