LINTHICUM, MD, April 25, 2024 – NFM Lending and its family of lenders have announced today that it is a 2024 Top Workplaces Culture Excellence honoree. Top Workplaces Culture Excellence awards recognize organizations that excel in specific areas of workplace culture. NFM was recognized in five categories:
Innovation: This award celebrates organizations that have embedded innovation into their culture and create an environment where new ideas come from all employees.
Work-Life Flexibility: This award celebrates organizations that offer their employees options in how and where they work and managers who care for their employees’ concerns.
Compensation & Benefits: This award celebrates organizations that provide employees with not only material rewards but also appreciation for their work.
Leadership: This award celebrates organizations whose leaders inspire confidence in their employees and the company’s direction. These leaders understand customers’ needs, which front-line employees hear every day.
Purpose & Values: This award celebrates organizations that have embedded their mission and values into their culture and are efficient in their work to bring it into reality.
“I am thrilled to share that our NFM Family of Lenders has been recognized for Culture Excellence by Top Workplaces,” said Stephanie Herring, Chief Human Resources Officer at NFM Lending. “This accolade reflects our collective effort to build an environment where passion, dedication, and innovation are at the forefront. It is a true testament to our unwavering commitment to not just meet, but exceed, the highest standards of workplace culture. Congratulations to every member of our team who plays a part in making our company a remarkable place to work!”
Top Workplaces awards are determined by feedback from a research-backed employee engagement survey. Energage, a purpose-driven organization that develops solutions to build and brand Top Workplaces, distributed the survey used to determine recognition in the Culture Excellence program. The Top Workplaces program has a 17-year history of surveying and celebrating people-first organizations nationally and across 60 regional markets.
“Earning a Top Workplaces award is a badge of honor for companies, especially because it comes authentically from their employees,” said Eric Rubino, Energage CEO. “That’s something to be proud of. In today’s market, leaders must ensure they’re allowing employees to have a voice and be heard. That’s paramount. Top Workplaces do this, and it pays dividends.”
About NFM Lending
NFM Lending is a full-service residential mortgage lender licensed in 49 states and the District of Columbia. We have a team of more than 1000 employees nationwide dedicated to a superior customer and business partner experience. The company was founded in Baltimore, Maryland, in 1998 by David
Silverman and his wife, Sandy, who are still involved in running the company. NFM Lending and its companies include Main Street Home Loans, BluPrint Home Loans, Elevate Home Loans, and Element Home Loans. They attribute their success in the mortgage industry to their steadfast commitment to customers and the community.
For more information about NFM Lending, visit www.nfmlending.com, like our Facebook page, or follow us on Instagram.
LINTHICUM, MD, April 19, 2024 – NFM Lending and Main Street Home Loans (a division of NFM Lending) are proud to announce that the Maryland Mortgage Program (MMP) has recognized them as Gold Tier lenders. This prestigious acknowledgment underscores their commitment to providing exceptional mortgage solutions to Maryland homebuyers.
The Maryland Mortgage Program is renowned for its 30-year fixed-rate home loan solutions tailored for eligible homebuyers purchasing in Maryland. MMP stands out due to its competitive loan terms and unique portfolio of financial incentives, including down payment and closing cost assistance, which significantly benefit many new homebuyers.
NFM Lending and Main Street Home Loans received this honor, demonstrating a deep understanding and exceptional ability to administer MMP loans. This recognition as a Gold Tier Lender place them at the forefront of over 100 approved mortgage lenders capable of expertly guiding homebuyers through the home purchasing process with customized loan packaging solutions.
Bob Tyson, President and COO of NFM Lending, expressed his enthusiasm about the recognition, stating, “We are thrilled to be acknowledged by the Maryland Mortgage Program as a Gold Tier Lender. This accolade is a testament to our dedicated team’s hard work and our commitment to providing valuable financing options to Maryland residents. Our goal is to continue making home ownership accessible and affordable, and our status as a Gold Tier Lender enhances our ability to do so.”
Nick Mautino, Sales Manager from NFM Lending and Kyndle Quinones, Branch Manager from Main Street Home Loans accepted the honor.
About NFM Lending
NFM Lending is a national mortgage lending company currently licensed in 49 states in the U.S. and Washington, D.C. The company was founded in Baltimore, Maryland in 1998. NFM Lending and its family of companies includes Main Street Home Loans, BluPrint Home Loans, Elevate Home Loans, and Element Home Loans. They attribute their success in the mortgage industry to their steadfast commitment to customers and the community. For more information about NFM Lending, visit www.nfmlending.com, like our Facebook page, or follow us on Instagram.
LINTHICUM, MD, March 20, 2023 – NFM Lending and its family of lenders have announced that they have earned the 2024 Top Workplaces USA award, issued by Energage, a purpose-driven organization that develops solutions to build and brand Top Workplaces. The Top Workplaces program has a 15-year history of surveying over 20 million employees and recognizing the top organizations across 60 markets for regional Top Workplaces awards.
Top Workplaces USA celebrates organizations with 150 or more employees that have built great cultures. Over 42,000 organizations were invited to participate in the survey. Winners of the Top Workplaces USA list are chosen based solely on employee feedback gathered through an employee engagement survey issued by Energage.
Results are calculated by comparing the survey’s research-based statements, including 15 Culture Drivers proven to predict high performance against industry benchmarks.
“Earning a Top Workplaces award is a badge of honor for companies, especially because it comes authentically from their employees,” said Eric Rubino, Energage CEO. “That’s something to be proud of. In today’s market, leaders must ensure they’re allowing employees to have a voice and be heard. That’s paramount. Top Workplaces do this, and it pays dividends.”
“We’re honored to be recognized as a 2024 Top Workplace by Energage and USA Today, reflecting our dedication to fostering a positive and inclusive culture,” said Stephanie L. Herring, Chief Human Resources Officer at NFM. “This achievement inspires us to continue prioritizing employee satisfaction and well-being as we strive for excellence.”
“This achievement would not have been possible without our incredible employees’ dedication and hard work,” said Bob Tyson, NFM President and Chief Operating Officer. “I want to thank them for their commitment to making the NFM Family of Lenders a truly great place to work.”
NFM Lending is a national mortgage lending company currently licensed in 49 states and Washington, D.C. The company was founded in Baltimore, Maryland in 1998. NFM Lending and its family of companies include Main Street Home Loans, BluPrint Home Loans, Elevate Home Loans, and Element Home Loans. They attribute their success in the mortgage industry to their steadfast commitment to customers and the community. For more information about NFM Lending, visit https://nfmlending.com/, like our Facebook page, or follow us on Instagram.
LINTHICUM, MD, January 2, 2024 – NFM Lending is honored to have been named a Top Workplace by Scotsman Guide for 2024. This is Scotsman Guide’s inaugural year hosting the award and the first time NFM has won it. According to Scotsman Guide, a Top Workplace is a company that has exceptional achievements in operations, benefits, corporate culture, philanthropy, and DEI commitment. Although the Top Workplaces feature is not a ranking like Scotsman Guide’s other awards, NFM Lending was included in the Editor’s Picks category along with 15 other companies.
“We are immensely honored to be named a ‘Top Workplaces 2024’ by Scotsman Guide, a testament to our unwavering commitment to fostering a workplace culture that values excellence, collaboration, and innovation,” said Gene DiPaula, Vice President of Communication at NFM. “This recognition reflects every team member’s dedication and hard work, and we are proud to be acknowledged by the leading resource for mortgage loan originators. As we continue to prioritize a thriving work environment, this accolade inspires us to reach even greater heights in delivering outstanding service to our customers and cultivating a workplace where success is celebrated together.”
The company and its loan originators have received numerous accolades from Scotsman Guide over the years for excellence in lending and record sales numbers. NFM has made the Top Mortgage Lenders list for five years and is among the top 30 lenders nationwide.
NFM Lending is proud of this new recognition and is thankful to everyone in the NFM Family of Lenders for their contributions.
About NFM Lending
NFM Lending is a national mortgage lending company currently licensed in 49 states in the U.S. and Washington, D.C. The company was founded in Baltimore, Maryland in 1998. NFM Lending and its family of companies includes Main Street Home Loans, BluPrint Home Loans, Elevate Home Loans, and Element Home Loans. They attribute their success in the mortgage industry to their steadfast commitment to customers and the community. For more information about NFM Lending, visit www.nfmlending.com, like our Facebook page, or follow us on Instagram.
LINTHICUM, MD, November 15, 2023 — NFM Lending is pleased to announce the opening of a new branch led by Branch Manager Kenneth Ufret. Pending licensing finalizations, the branch will be located in Cherry Hill, NJ. The NFM Lending branch will focus on expanding NFM’s flexible and powerful lending platform to better serve community families with exceptional customer service. NFM Lending offers Conventional, FHA, VA, USDA, FNMA, Jumbo, and many other loan options to fit every borrower’s needs.
The branch’s goal is to continue to provide the same commitment and dedication to borrowers, ranging from first-time homebuyers to seasoned buyers looking for their next home, a second home, or investment properties.
“In this changing market, I went with a company that has the products and programs needed to meet any buyer’s needs, along with a reputation for superior customer service,” said Ufret.
“We are very excited to have Ken join our team in the Philadelphia market,” said Branch Manager Jeffrey Rice. “Ken brings over 30 years of experience in real estate and mortgage financing, and he is a well-respected and proven leader in the community. Ken will us help grow NFM in the Philadelphia area in the years to come.”
Ufret is currently seeking qualified Mortgage Loan Originators for full and part-time positions.
NFM Lending is a national mortgage lending company currently licensed in 49 states and Washington, D.C. The company was founded in Baltimore, Maryland in 1998. NFM Lending and its family of companies includes Main Street Home Loans, BluPrint Home Loans, Elevate Home Loans, and Element Home Loans. They attribute their success in the mortgage industry to their steadfast commitment to customers and the community. For more information about NFM Lending, visit www.nfmlending.com, like our Facebook page, or follow us on Instagram.
LINTHICUM, MD—December 12, 2023— NFM Lending is proud to announce it was named a Top Workplace by The Baltimore Sun. NFM Lending has received this honor for twelve consecutive years. The publication held the Top Workplaces awards ceremony on December 7, 2023, at the Grand Lodge of Maryland in Hunt Valley, MD.
Out of 155 Baltimore-area businesses, NFM Lending ranked #10 for companies with 150-399 employees. Each year, the Baltimore Sun distributes a survey to employees of Baltimore area workplaces. The survey analyzes job satisfaction and engagement of employees along with the values and organizational health of the company.
“We are immensely honored to be recognized as a ‘Top Workplace’ by the Baltimore Sun,” said NFM President and Chief Operating Officer Bob Tyson. “This accolade is a testament to the exceptional dedication and talent of our incredible team at the NFM Family of Lenders. Our success is a direct result of the hard work and commitment of each employee, who consistently contributes to our vibrant and positive workplace culture. We take great pride in fostering an environment where innovation, collaboration, and excellence thrive. This achievement is a reflection of our collective efforts, and we remain committed to maintaining a workplace that empowers and inspires every member of our NFM family.”
NFM Lending prides itself on its exceptional culture. The company fills the employees’ work environment with encouragement and teamwork, building a positive workplace that rewards commitment and performance. Management encourages employees to voice their questions and concerns, which are addressed promptly and appropriately. In addition, managers often surprise staff members for their birthdays, and the company holds contests, holiday celebrations, and other initiatives to encourage collaboration and show employees their appreciation.
NFM Lending is consistently recognized for its exceptional company culture. These awards include Top Workplace USA by Top Workplaces and Energage, Top Mortgage Employer by National Mortgage Professional Magazine; Top Workplace by the Washington Post; and ‘Best Mortgage Companies to Work For’ by National Mortgage News. NFM Lending is proud of these accomplishments and its team’s work to make it a Top Workplace.
About NFM Lending
NFM Lending is a mortgage lending company currently licensed in 49 states and Washington, D.C. The company was founded in Baltimore, Maryland in 1998. NFM Lending and its family of companies includes Main Street Home Loans, BluPrint Home Loans, Elevate Home Loans, and Element Home Loans. They attribute their success in the mortgage industry to their steadfast commitment to customers and the community. For more information about NFM Lending, visit www.nfmlending.com, like our Facebook page, or follow us on Instagram.
With the oldest turning 26 this year, most Gen Z’ers aren’t quite ready for homeownership — but a burgeoning set of this young generation plans to buy in the next few months, NFM Lending found.
How can lenders target and capture the latter? We can sum up the most effective strategy with one word: Influencers.
In the last decade, social media influencers revolutionized how companies reach their target audiences. In return, this spawned a new generation of consumers who are too savvy for traditional marketing methods.
Gen Z’ers view their favorite content creators as trusted peers and expect products to be authentic and personalized to their individual needs. They prefer to receive information through videos, on apps like YouTube and TikTok.
Sixty percent of the app’s users are Gen Z, providing a well-stocked pool of potential new loan applicants. To tap into it, NFM Lending launched an in-house influencer division in January 2022, led in part by Scott Betley, otherwise known as @ThatMortgageGuy on TikTok, Instagram, Facebook and YouTube.
In just a year and a half since, NFM Lending expanded to 16 in-house influencers, creating increasingly popular informative and entertaining videos.
Betley grew his fanbase to more than 1 million followers across all platforms as of this post’s publish date as a testament to their efficacy. He’s clocked more than 10 million views to his most popular videos — several of which compare the plight of Gen Z’ers saving for down payments to Boomers enjoying homes they bought affordably in the 1980s.
One of the talented creators recruited for NFM’s in-house influencer team is Jordan Nutter, aka @ANutterHomeLoan, whose satirical yet educational posts elicit genuine belly laughs. Jordan has over 240k followers across all platforms and hundreds of thousands of views on her videos. She is best known for her phone call reenactments inspired by real-life conversations with her clients. Jordan has immersed herself in the division’s success and was promoted to become its Vice President earlier this year.
How does NFM’s strategy stand out from other mortgage companies? NFM Lending takes its strategy a step further than its competitors. When visiting an influencer’s profile, users are guided to an optional intake form where they can share their financial statuses, contact information and how soon they plan to buy.
“It’s the roadmap to their homebuying journey,” NFM Lending Managing Director Gregory Sher explains. “The ‘Timeframe to Purchase’ field sets the clock in motion and allows us to create workflows to help the consumer accomplish their goal.”
NFM Lending’s clever method is the mouth of a funnel that narrows as it nurtures users deeper into the mortgage landscape. From 30.7 million TikTok views from Gen Z users in July 2023 (up 21.8% from June), NFM Influencers generated 1,401 leads. These became 24 prequalification applications and, finally, 20 loan originations. Of these leads, 941 asked for a real estate agent introduction.
Beyond creating leads and loan applications, the intake form provides data sets that offer unique insights into the behaviors and circumstances of Gen Z homebuyers.
Based on the numbers collected between July 2021 and 2023, we learned that:
Nearly all Gen Z respondents currently rent and plan to own
NFM Lending data confirms that most of this younger generation is headed toward homeownership for the first time. Of the 2,191 Gen Z’ers who shared their current ownership through our intake form in that timeframe, 93.9% were renters. Similarly, 99.4% of 2,575 said they’d use their mortgages to buy homes, rather than to refinance or build.
But with rents at record highs, we’re in a historically difficult time for renters to save for down payments. In July 2023, the national median rent was $2,038, which equals a whopping 75% of Gen Z’s median income of $32,500. That makes it especially tough for them to set aside piles of cash, but to put 20% down for the median U.S. home price of $416,100, they’d need to stack up $83,220.
Of 922 respondents who revealed the value of their assets, including savings, to NFM Lending, just 5.3% had more than $40,000. Most had less than $10,000 (70.5%) and the rest had $10,000-$40,000 (24.2%).
Fortunately, down payment assistance programs can help, as can mortgage products that require less than 20% down. Take, for example, the NFM Zero Down Flex, which has no income cap and offers 100% financing for conventional loans.
And as Gen Z learns to navigate their unique circumstances, a burgeoning set is ready to buy.
One-third of Gen Z respondents expect to buy in 3-6 months
While 87% of respondents to a Gen Z Planet study said they’d love to own homes one day, the dream feels out of reach for many. A Freddie Mac survey found that 34% of Gen Z’ers worry they’ll never afford to buy places of their own, with insufficient credit history, lack of stable income and student loan debt cited as their primary obstacles.
And yet, of the 1,920 Gen Z’ers who shared with NFM Lending how soon they plan to buy homes:
27.1% said they expect to in 3-6 months
25.9% selected 1-3 months
23.9% responded 6+ months
23.1% put ASAP
Altogether, 53% of the Gen Z TikTok users who offered their information to NFM Lending planned to buy homes within six months. But does that mean their incomes qualify for mortgage loans? Our data is promising.
Nearly 75% of Gen Z respondents earn $50,000-$150,000
NFM Lending found that most Gen Z respondents made enough money to satisfy lender requirements. Of the 858 respondents who shared their incomes:
74.6% had an annual household income of $50,000-$150,000
23.2% earned less than $50,000
2.2% made more than $150,000
In terms of credit, of 1,129 respondents, 40.7% said they had an Excellent score, while 47.4% reported a Good one. And though nearly 12% admitted to having a low score, data showed that was more likely due to their lack of credit than being irresponsible with payments.
“In other words, they need more open trade lines such as credit cards that show a good pay history,” Sher says.
Being that they’re just setting off in their adulthood, it’s understandable that Gen Z’ers need some guidance while establishing themselves financially.
91.8% of Gen Z respondents asked for a real estate agent introduction
As first-time homebuyers, this young generation could use assistance navigating the housing market.
Traditionally, the path to homeownership involved finding a real estate agent who recommended a lender from their carefully curated Rolodex. Lately, however, that sequence started to flip. Many homebuyers today start off by shopping for a lender to see which loans they qualify for.
Through its intake form, NFM Lending reaches buyers in the infancy stage of their journeys, long before they’re ready to meet with a real estate agent. Of the respondents who shared their status of hiring a pro for their search, 84.1% of 2,178 said they didn’t yet have an agent and 91.8% of 756 respondents welcomed an introduction to one.
This change in the process allows loan officers to send prepped homebuyers to real estate agents with warm handoffs. They can source their personal directories and the roster of talented folks at Clever Real Estate, an NFM Lending partner, to suggest the pro that might work best with each buyer.
However, it also gives loan officers a new level of responsibility. They must effectively explain terms and concepts, like credit history and down payment assistance, to buyers who may be new to hearing them.
“As a result of where Gen Z’ers are in the process — super early — working with a lender that excels in financial literacy has never been more important,” Sher notes.
Indeed, most Gen Z’ers aren’t quite ready to buy their first homes, but with its influencer strategy and intake form, NFM Lending is prepared to support them when they are. In the meantime, our data provides unique insights to inform the greater mortgage industry on the best ways to do so.
LINTHICUM, MD, November 7, 2023 — NFM Lending, a leading mortgage company, is excited to announce a significant rebranding effort for one of its core divisions. The company’s Influencer Division will now be known as The Creator Collective, reflecting a strategic shift to more accurately represent the innovative work being done by this dynamic group of social media pioneers.
The name change from Influencer Division to The Creator Collective is more than just a semantic shift; it’s a reflection of the division’s evolution and the multifaceted nature of their contributions. In the digital age, these individuals do far more than merely “influence” others. They are content creators and educators who hold the key to financial empowerment. They particularly play a vital role in helping Gen Z homebuyers, who prefer to receive information through videos on apps like YouTube and TikTok, navigate the complexities of the mortgage process.
This rebranding acknowledges the dedication and creativity of each member of The Creator Collective. These individuals invest significant time and effort in crafting valuable, informative, and engaging content related to the mortgage industry. They are true creatives, with distinctive styles and unique niches that set them apart not only from each other but also from online creators in other sectors.
The Creator Collective is committed to producing content that empowers and educates potential homebuyers. They craft insightful narratives, offer expert advice, and use their creativity to demystify the home-buying process. As a result, they are increasing financial literacy, making it more accessible to a broader audience, especially Gen Z buyers, a burgeoning set of prospective homebuyers.
This rebranding effort underscores the true essence of the division’s mission. The name The Creator Collective better signifies the work they are doing and the significant value they bring to online content in the mortgage industry. By embracing this new name, NFM Lending is reaffirming its commitment to innovation in social media and excellence in mortgage lending.
NFM Lending is excited to embark on this new chapter with The Creator Collective and looks forward to the continued impact and inspiration they will bring to the world of homeownership and mortgage education.
For more information about NFM Lending and The Creator Collective, please email TheCreatorCollective@nfmlending.com.
About NFM Lending
NFM Lending is a national mortgage lending company currently licensed in 49 states and Washington, D.C. The company was founded in Baltimore, Maryland in 1998. NFM Lending and its family of companies include Main Street Home Loans, BluPrint Home Loans, Elevate Home Loans, and Element Home Loans. They attribute their success in the mortgage industry to their steadfast commitment to customers and the community. For more information about NFM Lending, visit www.nfmlending.com, like our Facebook page, or follow us on Instagram.
LINTHICUM, MD, October 19, 2023 – NFM Lending is proud to announce that it has received three Culture Excellence awards from Top Workplaces by Energage for the fourth quarter of 2023.
For the third consecutive year, Top Workplaces recognized NFM for its Employee Well-Being, Employee Appreciation, and Professional Development. NFM prides itself in creating a company culture where employees thrive and feel like valued family members. At the branch and corporate level, NFM promotes internal employees and offers engaging training opportunities. The company has also been honored with the national Top Workplace USA and Financial Services Industry awards each year since 2021.
“Our employees are the lifeblood of The NFM Family of Lenders,” said President and COO Bob Tyson. “The fact that our team members feel appreciated, have a great work-life balance, and have opportunities for professional growth indicates that we are on the right track to making our company a great place to work and grow together.”
The Top Workplaces program distributes a survey to the employees of each nominated company, asking them to evaluate their workplaces. The survey asks participants to rank their companies on the quality of leadership, work-life balance, pay and benefits, and more. The Culture Excellence Awards focus on key aspects of the workplace environment and are released throughout the year. NFM Lending is consistently recognized for its exceptional company culture. Other awards include: ‘Top Workplace USA’ by Energage, ‘Top Mortgage Employer’ by National Mortgage Professional Magazine; ‘Top Workplace’ by The Baltimore Sun and the Washington Post; ‘Great Place to Work’ by Great Place to Work, and ‘Best Mortgage Companies to Work For’ by National Mortgage News, and ‘50 Best Places to Work For’ by Mortgage Professional Magazine. NFM Lending is proud to have received these distinctions and is thankful for each team member within the NFM Family.
About NFM Lending
NFM Lending is a national mortgage lending company currently licensed in 49 states and Washington, D.C. The company was founded in Baltimore, Maryland in 1998. NFM Lending and its family of companies include Main Street Home Loans, BluPrint Home Loans, Elevate Home Loans, and Element Home Loans. They attribute their success in the mortgage industry to their steadfast commitment to customers and the community. For more information about NFM Lending, visit www.nfmlending.com, like our Facebook page, or follow us on Instagram.
LINTHICUM, MD, October 17, 2023 — NFM Lending is pleased to announce the opening of a new branch led by Branch Managers Dan Longman and Ken Zorovich. Pending licensing finalizations, the branch will be located in Fort Lauderdale, Florida. The NFM Lending branch will focus on expanding NFM’s flexible and powerful lending platform to better serve community families with exceptional customer service. NFM Lending offers Conventional, FHA, VA, USDA, FNMA, Jumbo, and many other loan options to fit every borrower’s needs.
“Once we started exploring companies, NFM clearly stood out,” said Longman. “Their technology, resources, and systems were second to none. What sealed the deal for us was the people we met behind the scenes. The NFM Family is truly special, and you can tell they take great pride in their work. That attitude was contagious and the reason we decided to join forces with them. We couldn’t be more thrilled with our decision and are ready to get to work for our clients!”
“I am excited to join the team at NFM Lending,” said Zorovich. “I believe in the people behind the scenes, the technology, and their vision. We are prepared to attack the next real estate market and give our clients the best chance to succeed.”
The branch’s goal is to continue to provide the same commitment and dedication to borrowers, ranging from first time homebuyers to seasoned buyers looking for their next home, a second home, or investment properties.
“Dan, Ken, and their team had no shortage of options, and they chose to come to NFM,” said Managing Director Greg Sher. “Rising tides lift all boats, and this team will surely make us better as an organization. We are excited to be working with these tenured professionals. They are an incredible cultural and production fit.”
Longman and Zorovich are currently seeking qualified Mortgage Loan Originators for full and part-time positions.
NFM Lending is a national mortgage lending company currently licensed in 49 states in the U.S. and Washington, D.C. The company was founded in Baltimore, Maryland in 1998. NFM Lending and its family of companies includes Main Street Home Loans, BluPrint Home Loans, Elevate Home Loans, and Element Home Loans. They attribute their success in the mortgage industry to their steadfast commitment to customers and the community. For more information about NFM Lending, visit www.nfmlending.com, like our Facebook page, or follow us on Instagram.
