THE MAINSTREET EXPERIENCE
OUR MISSION
Create a superior work life for our employees and their families, provide a custom and precise home loan experience for those who entrust us with the financing of their homes, and maintain superior relationships with referral partners who rely on us to provide best in class service to our mutual clients
SUPPORT
Eachofourdepartmentoffers unparalleledsupporttoensurethatour teammembershavetheresourcesthey needtobesuccessfulatMainStreet
BranchSupport
Branch support is FAST! We live up to our core value of Speed to Respond and make every effort to reply in minutes. Branch support is our frontline and gateway to the entireorganization,allowingeachbranchto sustainmaximumefficiency.
AgencyFixedRatePrograms
10-30YearFixedandHighBalance
6-and12-MonthExtendedLockoptions
1-0,2-1,3-2-1BuydownsAvailable LockAndShop60-and90-dayoptions
DirectAgencySeller-Servicer
ManufacturedHomes
FinancedPropertiesfollowAgencyGuidelines HomeReady/HomePossible RequiresanApprove/EligibleAUS HomestyleRenovationLoansReferralOption In-houseRenoDraws
RenoSpecialisthandlesthereferrals
FamilyFirstMortgageProgram
PurchaseahomeforagingparentsasPrimary Residence
Purchaseahomeforhandicappedordisabled childrenasPrimaryResidence
Minimumcreditscore:500-AUSApprove/Eligible orLPAccept
MinimumcreditscoreHighBalance:640
Minimumcreditscore580-ManualUW Extenuatingcircumstancesfor shortenedseasoningconsidered ProgramsFixedRate–15-30Year FixedandHighBalanceOptions
6-and12-MonthExtendedLockoptions 1/0,2/1BuydownsAvailable FHAStreamline
Scoresdownto580
NoScoreRequirementforNFM-to-NFMserviced loans
ProductsSpotlight
Purchaseorrefinanceandrollthecostsof updates/repairsintoonemortgage
Loanamountbasedonthehomesvalueafter improvements Licensedcontractorhandlesthework
Minimumcreditscore:500AUS“Approve/Eligible” orLP“Accept”
VAJumbo:640to$1M;640to$15M
Minimumcreditscore580-ManualUW Extenuatingcircumstancesforshortened seasoningconsidered CashoutrefinancemaxLTV90% Programs:
15-30yearFixedandHighBalance/Jumbo options
ExtendedLockoptionsavailable 1/0,2/1,3/2/1Buydownsavailable VAIRRRL
Scoresdownto580
NoScorerequirementforNFM-to-NFMserviced loans
NoAVMandunlimitedLTVoptions
Minimumcreditscore:startingat660NFMJumbo Program–Delegated–VeryAggressivelyPriced Non-Delegatedoptionsavailable LTV’supto90%atthistime
JumboExpress–AutomatedUnderwriting(AUS) options
JumboLoanoptionsupto$5M
NFMPlatinum Aggressivelypriced$400ktoconformingloan limits
Optionsavailableupto$5M AdditionalJumbooutletsforcompetitivepricing
Upto97%financing
ManufacturedandModularHomes
HUDREO
HUDwithRepairEscrows
FHA203KRenovationLoans(FullandStreamline)
Approvedwithmanystatehousingfinance agencies
Minimumcreditscore:500Purchaseand RefinancePrograms:
FixedRate
30YearFixed 1/0,2/1Buydownsavailable
ITIN
Noratio
Constructiontoperm Mixeduseand5-10units
BankStatements
JustMissed 1099Qualifier Non-WarrantableCondo ForeignNationalLLC
Zerodownpayment¹ 1015%financing² FHAloan Allbuyers(notjustfirst-time)
2ndHomeARMdownto$50k AgencyARMoptions–Pricingcanvary dependingonmarket
Arevolutionaryalternativetoatraditional mortgage
Afirst-positionHELOCwithanembedded checkingaccount
Availableforprimary,secondary,and nonowner-occupiedhomes
Loanamountsupto2milliondollars
AlternativeoutletforGSEeligibleloans
LowerLLPA’scomparedtoGSE’s
UtilizeAgencyAUSforcreditunderwriting
Great outlet for Second Homes and Investment Properties
Usecurrenthomeequitytobuyanewhome beforesellingtheoldone
Allowsbuyerstomakeanon-contingentofferon anewhome
Buildsinfundsforpreparingoldhouseforsale Coverspaymentonoldmortgageforupto6 monthsuntilitsells
$3,000 lender credit to be used towards down paymentorclosingcosts
ConventionalLoanProgram
Brokered“HELOCinabox”solutionwithfastaccess tohomeequitythroughdigitalprogram Creditfrom680 Loanamountsupto$350,000 2ndhomeCLTVupto75% InvestorCLTVupto70% Noteligibleforapiggyback NFM2ndmortgageandHELOC 680FICO
Upto250Kcloseended HELOCsupto300K
Owneroccupied: 8999%CLTV-250K 80%CLTV300K 70%CLTV350K
2ndhomes: 80%250K 70%300K
Fastandeasyrefinanceonpurchaseloansduring theperiodthepledgeisoffered Nolenderfees Appraisalreimbursed
Marketing Se
DivisionMarketingCoordinator jlexpong@mainstreethlcom DivisionSocialMediaCoordinator smeyer@mainstreethlcom
FromContentcreationtodesign,ourteam workswithyoudirectlytoensurethatyour aremetandwearecreatingunique thatyoucanuseinyourmarket
alMediaSupport
unewtomarketingonsocialmediaor gfornewwaystogrow?Checkoutthe ntlibraryforresourcesonhowyoucan dyourbusinessusingsocialmedia.
ustTechnology
eravarietyofonlinetoolstoenhance asemanagement,leadgeneration,and gocontentsharing.Inadditionto yingleaddatainaneasy-to-usePower hboardformat,wealsoofferone-ononsultations,webinarsandtrainingsto ougetstarted portDayOneandBeyond youjoinMainStreet,youwillexperience lsupportofourMarketingClient es.Wearededicatedtoguidingyou, galongsideyou,andensuringprompt nsesthroughoutyourmarketing rdingjourney.Weprovidetailored supporttohelpyouhitthegroundrunning. You’llhaveaccesstoone-on-oneconsultsfor personalizedadviceandstrategicalignment ofyourmarketingefforts Elevateyouronline presencewithsocialmediacoachingand captivatingcontent.Ourbrandcontentlibrary includesvaluableresourceslikeesignatures, businesscards,andI’veMoved announcements.Enhanceyourmarketing skillsatyourownpacewith24/7availableondemandcoursesandengagingmonthlylive trainingsonthelatestmarketingtrendsand bestpracticestoaccomplishyourgoals Our Marketingteamisheretoempoweryouto achievemarketingexcellence,andtogether, we’llpavethewayforyoursuccess.
Establishyourbrand. Expandyourexpertise. Boostyourbusiness.
PrintMarketing
Ourmarketingteamoffersawiderangeofcustomprintmarketingthat canbeco-brandedwithourrealtorpartners.Weoffermonthlypop-bys, postcards,doorhangers,magnets,productflyers,openhouseand paymentgridflyers,addesigns,etc Allaredonein-houseatyour convenience!Noneedtooutsource
PromotionalProducts
Nevermissanopportunityagaintopromoteyourbusiness!Yourinhousemarketingteamcanhelpyoudesignandordercreativemarketing swagwithyourbranding Thisincludesbutnotlimitedto: Apparel&Accessories-withyourownlogooronanyofyourfavorite brands!
Banners
Pens
Waterbottles
Stressballs
Koozies
Calendars ANDMORE!
QRCodes
WecreateacustomQRcodeforanyoccasion.Fromdigitalbusiness card,contactcard,website,directtext,wifi,email,socialmean-you nameit!TheQRcodescanbeplacedonphysicalbusinesscards,open houseflyers,postcards,etc.
VideoOfferings
AtMainStreetwehaveaninhousevideographertohelpoursalesteam andtheirrealtorpartnerscreatecontentfortheirsocialmediaplatforms. Bookatimeslotwithourin-housevideographer!Togetherwecancreate stateoftheartco-brandedvideosforourclientsandtopostonallofour socialmediaplatforms.Herearesothingswecanfilmtogether: Videosonnewandcurrentproducts-statespecificprograms,loan products,etc
Promovideosonupcomingevents
Monthlysegmentswherewetalkaboutupdatesinthemarket Recapvideosofaneventwehaveco-hosted Interviewswithothersinourindustry-homeinspectors,title companies,etc.
TranslationServices
Wehavetheabilitytocreatemarketingmaterials,provideloan applications,andtranslatedocumentsinanylanguages
UNDERWRITING
What sets Main Street Home Loans apart from our competitors?
Chris Chris
Bell Bell
DivisionUnderwritingManager
Lessthan2-hourresponseontheUW ScenarioDeskemailduringnormalbusiness hours.
Lessthan“48hourturntimes”forinitial decisionsforthepast3yearsonagency conformingloans.
Abilitytocallyourloanfilewithyour underwriterforanyquestions
AutomationOptimizationforfast,accurate approvalsusingtheEllieMaeEncompass Platform.
Agencydirectunderwriting. OptimizationforDay1Certainty/AIM utilization(ReducedDocumentation)
ExpertinLoanBeamIncomecalculationsfor complexself-employedfiles/multiplerental properties.
CLOSING
What sets Main Street Home Loans apart from our competitors?
Jen Jen
Wells Wells
DivisionCLosingManager
Ourclosingdepartmentisquick,efficientand effectiveinmakingeverytransactionsmooth andtimely.
Dedicatedclosersworkwithsalestomake ensurealldataandinformationisaccurate priortoclosingday.
Weprovideopen,effectivelinesof communicationalways.
Promptresponsetimesarethegoalandwe haveestablishunparalleledrelationshipswith partners.
Convenient,hasslefreeE-Closings.
Jodie Jodie Anthony Anthony
DivisionClosingSupervisor
TECHNOLOGY
PutTechToWorkforYourBusiness
MainStreetoffersawiderangeoftechnologysolutionsthataredesignedtogrow yourbusinessandmakeyouareliable,informativesourceforyourassociates
AtMainStreet,webelieveinusingtechnologytohelpenhancetheloan experience.YourrighttochoosewhatyouuseisabigpartoftheMainStreet experience.
SimpleNexusallowsyoutopreformcomplexmortgage calculationswithasimpleinterface,andaccurateresults. Shareyourcustomizedapplicationlink,review applications,issuepre-approvalletters,providesecure documentuploadandevenproviderealtimestatus updatesonloanfileswithclientsandRealtors.
DivisionSeniorVicePresident, ITLead Derek Schwarz
Saygoodbyetotime-consuming,mobile-unfriendly,andcost-drivenPDF worksheets.WithMisely,asoftwareproprietarytoMainStreet!,creatingand deliveringprofessionalmortgageoptionpresentationsiseffortless,nomatteryour locationordevice.It'stimetoembracethemobileexperienceconsumersexpect whilestayingaheadofthecurve—yourpeersarealreadytransitioningtothis cutting-edgetechnology.Beyondthemobile-friendlyexperienceisanopportunityto elevateclienttrustandloyaltywithadditionaltoolsthatemphasizeLifeEvent expenseplanningandwealth-buildingstrategiesoverthecostofthemortgage.
Benefits
MainStreetofferstraditionalandnontraditionalbenefitsandperkstoitsemployees.Welookat thehealthofouremployeesasawhole-mindbody,andwell-being.
Varietyofhealthcareplans
Retirementbenefits
Travelandrecreationalbenefits
Discountsonselecttechandgadgets
Studentscholarships
Fertilitysupport andmore! Allbenefitsareofferedtoregularemployees whoarescheduledtowork30hoursormore eachweek.Temporary,limited-termand seasonalemployees(includinginterns)may participateintheretirementplansand EmployeeAssistanceProgram.Benefits becomeeffectiveonthefirstofthemonth followingorcoincidingwith30daysof employment
Note:Formoredetailsregardingbenefits, pleasecontactyourMainStreetrecruiter.
Onboarding& TransitionProcess
MainStreet’sonboardinggoalsinculdeasmoothtransitionandwelcomingatmospherefor allnewrecruitswhiletheyareimmersedintheFairwayculture.Everynewteamisdifferentin theirstructure,cultureandexperience,andtheMainStreetonboardingteamunderstands thisandwillcustomizetheonboardasneeded.
Anonboardingpointteammemberisassisgnedtoeachnewteamtohelpstrategizeand executetheentiretransitionplan
Theonboardingtransitionprocessusuallytakesabout120days,andtheMainStreet onboardingteammakestheprocessaseasyaspossible,givingnewteammatesthe opportunitytofocusontrainingandacclimatingtoMainStreet.
Support
Thereisendlesssupportfrompre-hiretoretire!Ourcorporatedepartmentshave dedicatedonboardingspecialiststhatunderstandsthenatureoftransitioning toanewteam.Wehaveweeklyonboardingcallssoalldepartmentscan provideupdatesandallowthenewmanagertoaskquestions
Growth& Development
Mike Farrell
DivisionExecutiveVicePresident,
SalesCoaching
ThegoalofeveryMainStreeteventisto provideadditionaltrainingandinsightsandto encourageourteammemberstogrow
ManagersMeeting
SalesRallyConference
Powerful Coaching
Xispersonalizedleadershipandsales coachingfromtop-producingMainStreet loanofficersandbranchmanagerswhonot onlyknowMainStreet’ssystemsandtools,but alsounderstandthecriticalaspectsofhelping youachieveyourgoals
Masterminds
ExcellerateInterviews
Transformative Training
MonthlySalesTrainings
ContinuingEducationcourses
OneonOnecoaching
Building Community
Karen Dulmage
AreaManager,VicePresident CommunityLead
MAINSTREET CARES
TheMainStreetCaresprogramaimsto supportlocalcausesthathaveagreat impactonthecommunitiesweserve. Ourcharitableendeavorsaregeared towardshelpingUnitedStatesveterans andtroops,childrenandfamiliesin need,andthoseeffectedandimpacted byAlzheimersdisease.
WhyMainStreet?
“MainStreetHomeLoanstrulyvaluestheopinions,insightsandideas broughtforthbytheiremployees.Itisaworkplacewhereallthoughts, opinionsandnewideasareencouragedandappreciated.“
“MainStreetHomeLoansboastsatrueteammentalityworkplace. Everyoneistheretohelp–fromuppermanagementallthewaydown. Thewholeteambendsoverbackwardstohelpeachothergetloans doneaccurately,efficiently,andsmoothly–it’sthekeytooursuccess asacompany!”
“MainStreetHomeLoansisafamily–Ouremployeestrulycareabout eachother’swellbeing,notjustascolleagues,butaspeoplewith outsidelives,families,andinterests.Manyofouremployeeshave workedtogetherforyearsorevendecades!”
FromMainStreet ToYourStreet
