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Coffee...because Mondays happen. Top Headlines... Experience.com formerly SocialSurvey: How This Tech Company is Creating the Future of CX Notarize Offers Free Notarizations to Eliminate Racial Covenants Sales Boomerang Prescriptive Scenario Series & How Each Can Support Retaining Your Clients... Rate-and-Term | Cash-out | FHA MI Removal Thought Leadership... Vice Capital Markets Principal, Chris Bennett: There's No 2-Minute Warning for Rate Shocks, Even with the Fed at Zero Bound Blog... Plaza Home Mortgage FHA 203(k) Standard & Limited Renovation Loan Program Details Maxwell eBook: Top 6 Areas Where Lenders Should Invest in 2021 Freddie Mac: 3 Affordability Trends The Mortgage Community Should Watch LoanLogics: Put MERS® Compliance on the Calendar (Infographic) Arch MI Housing Policy: Racial Equity Makes 'Cents' Personnel Announcements... Notarize Welcomes Will St. Clair as VP of Strategy & Development Media... (VIDEO) Black Knight's Empower: Compete Harder HousingWire Housing News podcast: Total Expert's Sue Woodard on Why the Customer is the Real Hero (VIDEO) Sales Boomerang, Stephen Barton - Eustis Mortgage Testimonial | $50MM in Purchase Volume Events... HousingWire Spring Summit 2021 - March 4th Notarize Rewired for Real Estate - April 7th
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Do you need that morning, and maybe afternoon, coffee? Here's your chance to win more of it! Top Headlines... Forbearance Volumes Drop Below 2.7MM for First Time Since April 2020 Planet Home Lending President & CEO, Michael Dubeck Recognized in Progress in Lending 2020 Lending Luminary Award Winners Blog... MQMR Weekly FAQ - The New URLA PHOENIX: Early Buyout (EBO) Considerations for GNMA Servicers Black Knight FREE eBook: Mitigate HOA Lien Risk & Improve Due Diligence Total Expert FREE eBook: 4 Strategies to Strengthen Customer Relationships Maxwell Blog: How Biden's CFPB Nominee Will Shake Up the Mortgage Industry Triserv: Do You Use Encompass, ClosingCorp or Reggora? Personnel Announcements... Total Expert Welcomes SaaS Veterans Ilene Vogt at CRO & Rebecca Martin as CMO Media... Maxwell Clear to Close podcast: Building a Company for the Long Term with PRMG Chief Lending Officer, Kevin Peranio Events... HousingWire Spring Summit 2021: March 4th Rewired for Real Estate presented by Notarize: April 7th Take our quiz for a chance to win a $25 Starbucks gift card!
More chances to win free coffee? Now that's an attention grabber! Top Headlines... More Power for Going Big in 2021 - Reintroducing Plaza Home Mortgage's Jumbo Correspondent Offering Download Black Knight's FREE White Paper: Choosing the Right Loan Origination Software Freddie Mac Q4 & Full 2020 Financial Results Sales Boomerang Ushers in a New Era of 'Smart' Borrower Retention with the Release of 'Prescriptive Scenarios' Black Knight Month-End Update Series - January End of January Sees Reduction of 45K Forbearance Plans, Overall Recovery Remains Stalled Deferred Payments During Forbearance Beginning to Erode Equity Positions The Current Low Inventory Phenomenon & Its Domino Effects on Market Conditions Blog... MQMR Weekly FAQ: Internal Audit - Policies & Procedures Arch MI PolicyCast: Interview with North Carolina Senator, Thom Tillis - Government Can Help, Hinder Aspiring Homeowners FBX Informa's Membership Advantage Tools Assists Credit Union Clients Compare Lending & Deposit Rates vs. Bank State Averages Personnel Announcements... Certified Credit Adds Industry Vet Roy Stocking as VP of Strategy & Business Development First American Docutech Announces Promotion of Emily Shapiro to Chief Operating Officer Media... (NEW PODCAST) Fresh Takes by Total Expert - Brittany Hodak: The State of Consumer & Employee Experience Events... SimpleNexus Presents SNUG 2021: Feb 22 - 24 HousingWire Spring Summit 2021: March 4th MeridianLink 2021 User Forum: April 19 - 22 Take our quiz for a chance to win a $25 Starbucks gift card!
Congratulations to Julie Shipley from Celebrity Home Loans for winning last week's prize! Are you ready to take the crown this week? Top Headlines... SimpleNexus Accelerates Momentum with 1 in 8 US Mortgages Passing Through Platform in 2020 Powering the Future of Construction Finance, Built Technologies Raises $88 MM in Series C Funding Round LoanLogics Launches HMDA Automation Tools Where Do I Begin with URLA? Fannie Mae's Redesigned 1003 Lender Readiness Checklist MERS eNotes Increase 261% in December Black Knight December 2020 Mortgage Monitor Report Scotsman Guide - LBA Ware Feature: Increased Volumes Keep Delivering Stout Paydays for Originators & Processors Thought Leadership... Black Knight President of Origination Technology, Rich Gagliano: Fierce Competition Boosts Need for Advanced Customer Experience in Origination Technology Blog... CDWL - 10 Best Practices to Improve Your Month End Close Check out Maxwell's QuickApply Tool! Built Blog: Who is Built? Maxwell: 4 Ways Technology Will Disrupt the Mortgage Industry in 2021 & Beyond Total Expert Joins Forces with Market Leaders to Fuel Customer Relationships PHOENIX: December Market Snapshot Report ActiveComply: Fair Lending & Social Media Media... NEW Podcast! Fresh Takes by Total Expert featuring Chief Customer Officer, Sue Woodard Events... Webinar: LBA Ware presents Michael Frantantoni's 2021 Mortgage Industry Outlook - Feb 11 @ 1 pm EST Virtual Event: SimpleNexus Presents: SNUG 2021 - Feb 22- 24 Our network isn't just full of great services, it is also brimming with wonderful places to work. Join us in congratulating the following lender members and partners within the network for being recognized by Top Workplaces USA 2021!
AnnieMac Home Mortgage Apex Home Loans Associated Bank Equity Prime Mortgage Evolve Bank & Trust Family First Funding Fannie Mae First National Bank George Mason Mortgage GVC Mortgage Johnson Financial Group Mountain West Financial PRMG Tidewater Mortgage Services Union Home Mortgage Take our quiz for a chance to win a $25 Starbucks gift card!
Congratulations to Kimberly Wachtel from Inlanta Mortgage for winning last week's prize! Are you ready to take the crown this week? Top Headlines... Deputy Head Secretary of HUD, Brian Montgomery: Outgoing Political Appointees Deserve Recognition First American Docutech: Reflections on eClosings in 2020 - A Strange Saga of Progress & Learning Mortgage Coach Presents the Top 10 Training Scripted Videos From 2020 LBA Ware Issues Q4 2020 Loan Compensation Report, Including 2020 Loan Originator Commission Trends FullCircle Placements President & Founder, Dan Greiner: How This Entrepeneur is Trying to Disrupt the Executive Search Model Reduce Repurchase Losses with Plaza's Certified Loan Program CBC Mortgage Agency Expresses Support for HUD's DACA Policy Update Blog... Arch MI Capital Commentary: A New Beginning Blend: 2020 Year in Review - Helping Lenders Thrive in the Face of 2020's Challenges Case Study: Check Out the Power of Built's MSP Integration with Black Knight New Maxwell eBook: Maxwell: Top 6 Areas Where Lenders Should Invest in 2021 Fannie Mae Listing of Integrated Vendor Partners Filled with TMC Preferred Partners Capacity & Credit Union Times Webinar Recap: How to Create Better Member & Agent Experiences MQMR Weekly FAQ: Amendments to the ATR/QM Rule Personnel Announcements... Notarize Welcomes Larry D'Angelo as President and CCO LoanLogics Names Drew Milburn SVP for Correspondent Lending Ryan Zanin Leaving Fannie Mae's Board to Become Its CRO ICYMI: SimpleNexus Names Richard Jackman VP of Marketing Media... LoanLogics B-Logics New Podcast Series: Frictionless Mortgage B2B Commerce Arch MI PolicyCast: Are You Ready for a Fair Lending Revival? CMBA Connect Episode Features LBA Ware Founder & CEO, Lori Brewer Events... Webinar: LBA Ware Hosts Michael Fratantoni's 2021 Mortgage Industry Outlook - Feb 11th @ 1 pm EST Webinar: Prescriptive Scenarios with SalesBoomerang - Feb 1 @ 1 pm EST Take our quiz for a chance to win a $25 Starbucks gift card!
A chance to win more coffee as you enjoy your third cup of coffee of the day? Yes, please. Top Headlines... Blend Raises $300MM in Series G Funding Round to Accelerate the Future of Banking Triserv Appraisal Management Solutions Announces Integration with ClosingCorp Black Knight Launches Seller Digital Correspondent Platform Total Expert 2020 Awards Roundup: The Customer Wins Big! MGIC Has the Tools to Be Your Resource For Growing Your Referral Partner Network in 2021 Personnel Announcements... Kristin Messerli Joins SocialSurvey as VP of Mortgage Sales Blog... MQMR Weekly FAQ: Freddie Mac - Use of Power of Attorney Capacity: A Fast But Uncertain Start to 2021 Sales Boomerang: Hidden Costs of Acquiring A Borrower | Borrower Retention Matters Maxwell: What Will Incoming Biden Administration Mean for the Mortgage Industry? Media... Arch MI PolicyCast: Servant Leadership at HUD with Brian Montgomery SocialSurvey TMC Member Video Testimonials Maxwell Clear to Close podcast: 2021 Mortgage Lending Resolutions Events... SimpleNexus Presents SNUG 2021 - February 22 - 24, 2021 2020 is now officially in the books. While it was a perilous year for many globally, domestically it was an incredible year for the US mortgage lending industry and the 215+ members of The Mortgage Collaborative.
These last few months, we've been talking about a slow and modest drop off for closed loan units and new applications, and that's what we continued to see in December. Let's start with the data on closed loan units. September 2020 was the pinnacle. Most lenders will look back at that month as their busiest closing month of the year and for many, in the history of their company. Closed loan units fell by 2% in October, another 8% in November, and here in December we were down just 1% from the prior month. So looked at another way, closed loan volume in December was down 11% in total from the September peaks our lender members saw. 76% of December closed loan units were on conventional loans, down 2% from November's 78% total. Government closings represented 20% of December volume, up 2% from November's 18% total. The refi % share was down 7% from November, but still accounted for 51% of all December closed loans. Here's a look at the TMC Benchmark purchase/refi mix (closed loan units) since the pandemic started: May - 42% purchase/58% refinance June - 51% purchase/49% refinance July - 58% purchase/42% refinance August - 55% purchase/45% refinance September - 51% purchase/49% refinance October - 51% purchase/49% refinance November - 42% purchase/58% refinance December - 49% purchase/51% refinance Applications fell off a little more than closings in December, down 10% from November's new application totals (off the heels of a 7% drop the month prior), portending a 10-15% drop off in closed loan units in the winter months to come. 78% of new December applications were on conventional loans, 17% on government products, and 5% on all other products. Operational efficiency bettered in December, ending a four-month trend of waning efficiency that we started to see on August closed loans. The number of closed loan units closed per full-time processor in December increased to 13.9 from 13.2 the month prior, with the peak for 2020 being 17.2 on June closings. Closed loan units per full-time underwriter increased to 44.3 from 41.9 the month prior with the 2020 high of 54.8 in this area also coming in June. Closed loan units per full-time closer increased to 52.2 on December closings from 51.0 in November. The high water mark here was also in June, coming in at 64.9 that month. The average loan originator closed 7.8 loans in December, up from 7.5 in November. That average was in the low 8's all summer before peaking at 8.6 in September. LO comp came in at an average of exactly 100.0 bps in December, up from 99.3 bps on November closings. The average "app date to clear to close date" time frame continued to rise in December, hitting an all-time TMC Benchmark high of 47.4 days. Let's take a look at how this number escalated throughout the year: July 37.2 August 39.5 September 42.8 October 43.4 November 45.3 December 47.4 After peaking in the summer, and subsiding in the fall, average salaries paid to processors, underwriters, and closers ticked up this month. On average, processors in our network were paid $54,800 annually in November, while underwriters came in at $88,400 and closers at $58,100. The average cost per closed loan unit our members paid for their loan origination system came in at $117 in December, down from a 2020 high of $124 the month prior. We also saw decreases in the average cost per closed loan for point-of-sale systems to $53 and for CRM's at $108. The average non-third party lender fees charged by our members on December closed loans was $1,119 on conventional loans, $1,035 on government, and $1,282 on all other products. 50% of this month's participants in TMC Benchmark were IMB's and 50% were depositories. 42% originate under $500M a year in annual volume, 23% originate between $500M-$1B, and 35% originate over $1 billion per year in annual production. Rich Swerbinsky President & Chief Operating Officer The Mortgage Collaborative Top Headlines...
Black Knight Expands its Expedite Close Platform SimpleNexus Secures $108MM in Series B Funding to Transform the Homeownership Journey into a Seamlessly Connected Experience Plaza Home Mortgage's New Agency Express: Faster Turn Times & Now Lower Pricing Arch MI HaMMR Housing and Mortgage Market Review Winter 2021: How Affordability is Strengthening Home Sales Triserv Appraisal Management Predictions for a Hot Winter Blend Expands Digital Lending Platform with Freddie Mac Partnership FBX: Welcome to the New Financial Benchmarking & Omnichannel Experience PHOENX Monthly Snapshot - November 2020 Thought Leadership... MQMR President & Co-Founder, Mike Steer: A New Year, A New Regulatory Attitude? Black Knight President, Rich Gagliano: Enhancements to Expedite Close Further Digitize the Closing Table Blog... Black Knight's FREE White Paper: Choosing the Right Loan Origination Software Trinity Oaks Mortgage Expands Customers Relationship with Total Expert Notarize's 2020 Year in Review: What Americans Notarized in 2020 Capacity: Top 10 Reasons to Automate Your Loan Processes ActiveComply: How to Stay off the Front Page Arch MI's Encompass Integration Helps Streamline Your MI Order Process Maxwell Blog: What Will the Incoming Biden Administration Mean for the Mortgage Industry? Personnel Announcements... SimpleNexus' Suzy Djilas Wins 2021 Utah Business SAMY Award for Sales Professional of the Year CBC Mortgage Agency Promotes Miki Adams to President Certified Credit Reporting Announces the Addition of Senior Account Executive, Jeff Stewart Certified Credit Reporting Announces the Addition of Account Servicing Manager, Catelynn Johnson Media... (Video): How Lenders Will Benefit from the Black Knight's Acquisition of Optimal Blue: HousingWire CEO, Clayton Collins & Black Knight, President of Secondary Marketing Technologies, Scott Happ During last week's TMC Team strategic planning meeting for 2021, we all shared our favorite recipes that we used during 2020 that helped get us through the year. Instead of hogging these delicious concoctions to ourselves, we wanted to share it with the rest of our TMC Family! In this post you can find:
If you end up making some of these recipes, let us know how it went. Enjoy! Jim Park: Lemon Ricotta Pancakes 1 ½ cups all-purpose flour 1 Tbs baking powder 3 Tbs sugar ½ tsp salt 1 cup milk 1/2 cup ricotta cheese 2 eggs 1 tsp vanilla extract 2 Tbs fresh lemon juice 1 Tbs fresh lemon zest 2 Tbs butter for cooking OPTIONAL FOR SERVING Extra ricotta, lemon zest, powdered sugar & blueberries
Rich Swerbinsky: Sunday Sauce & Meatballs First things first. Open a good bottle of wine to get the morning started. Making sauce is a perfectly acceptable reason to tie on a little Sunday morning buzz. You’ll use wine in the sauce recipe & need to give it a little time to breath anyway. We all know food is funner to prepare & eat when drunk. I like dry sweet Italian wines in my sauce, a nice Chianti or Sangiovese. You’ll want to get started about 10-11 AM if you want to eat at around 5 PM. You’ll need about 45 minutes to an hour to get it going, then another 45 minutes or so to make and fry the meatballs a couple hours later. To get things started, in a large stockpot, sear and brown desired meat in Extra Virgin Olive Oil. You can use Italian sausage, pork chops, or western style ribs. The browned meat gives the sauce a lot of flavor and provides the base. I usually use some hot Italian sausage and a few FAT bone-in pork chops. The bone adds flavor. The meat will stay in the sauce for the duration. Thinner chops or ribs will shred in the sauce when stirring it, some people like that, some don’t. When meat is browned, add a generous amount of chopped garlic (between a golf ball and tennis ball sized, depending on your love of garlic) and let it fry with the meat. The garlic will cook quickly, don’t let it burn, especially if you’ve already had a couple glasses of wine. After the garlic cooks a bit, I add about ¾ cup of red wine (see above) and 3 or 4 tablespoons of sugar. Let the meat/garlic/wine/sugar mix come back to a slow boil and add the following:
Let the sauce come to a light boil and add the following - fresh parsley, oregano, grated parmesan cheese, crushed red pepper, basil, garlic salt, pepper, and 2-3 bay leaves It’s crucial that you use fresh spices. Most spices stay good in the cupboard for a couple of years, but they lose flavor over time. If you can use fresh chopped basil and oregano … that’s only going to make the sauce tastier. Fresh parsley is a must. Of course the amounts you add of each of the above ingredients will help determine the taste. I add less than I want to and then supplement throughout. The best part of making sauce is tasting it throughout the day and tweaking the taste of it. You may have to add water through the cooking process if the sauce gets too thick. I usually end up adding another can or two of water as the sauce cooks. Remember, you can always add water to thin … but not take water out to thicken. Also, my recipe calls for more crushed tomatoes than other recipes, which inherently makes the sauce a little thicker to begin with. The sauce should be of medium consistency and you should let it cook for 4-5 hours. If you leave the lid on, the sauce will thin out. Lid off, and the sauce will thicken. I usually crack the lid for the majority of the time. Stir the sauce at least every 20-30 minutes, making sure to scrape all the goodness off the side and bottom of the saucepan as it builds up. I like my sauce a little thicker than most and go heavy on the wine, garlic, and crushed red pepper. It’s all a matter of preference and the beauty of making sauce is that you will tweak the recipe a little bit every time you make it. This will make enough for a feast, as well as enough extra to freeze for 3-4 additional meals. I fry meatballs and dump them in the sauce about 2-3 hours before it’s done. Here is the homemade meatball recipe: Buy 1 ½ lbs of the pork/beef/veal ground meat combo that they sell at all grocery stores. Add 4 large pieces of Italian bread. Before adding the bread, quickly soak the bread with water and wring out before breaking up bread pieces into the meat mixture. Add 2 eggs and all the ingredients you used to season the sauce (except wine, sugar, and bay leaves). Heavy on the garlic. Mix everything together and roll into meatballs. Fry in extra virgin olive oil until browned and dump into sauce after they cool. You will now have a plethora of meats in the sauce to serve with cavatelli (or your pasta noodle of choice) and the sauce and the rest of the loaf of the Italian bread. Feast. Sleep. Wake up and eat cold leftovers for breakfast. Kathy Acosta: Sriracha Jerk Chicken 4 chicken breasts ½ cup Sriracha 6 spoons oregano 2 spoons cumin 1 spoon cayenne pepper 2 limes ½ cup canola oil Salt & pepper
Faith Howard-Mooney: Planet Hollywood Captain Crunch Chicken 2 Cups Cap’n Crunch Cereal 1 ½ cups corn flakes 1 egg 1 cup milk 1 cup all-purpose flour 1 tsp onion powder 1 tsp garlic powder ½ tsp black pepper 2 lbs chicken breasts cut in 1 oz tenders Vegetable oil (if you want to fry). I use my air fryer.
Can also be fried in oil: Heat in oil in a large heavy skillet to 325. Drop coated chicken tenders carefully in hot oil and cook until golden brown and fully cooked, 3-5 minutes depending on size. Ashleigh Alexander: Pay Day Bars 1 box yellow cake mix 1/3 cup margarine 1 egg 3 cups mini marshmallows 2/3 cup light corn syrup ¼ cup margarine 2 tsp vanilla extract 1 12 oz. package peanut butter chips 2 cups chopped salted peanuts
Sarah Oldani: Hearty Chili 3 lb ground beef sirloin (we prefer to use ground sirloin but any beef will do) Any combination of ground beef, turkey, or pork works well. Sometimes I use 2 lb ground sirloin, 1 lb reg ground beef or turkey, etc. Use 2 lbs venison meat and 1 lb beef for the “Hunter’s” version of this recipe. 4 cans Hunt’s Fire Roasted Tomatoes (they’re diced-these are our personal favorite) 2 cans black beans 2 cans chili beans (not kidney) 1 can beef broth 1 green pepper (I add extra bell peppers when first making it & as we eat leftovers to keep the crunch – yellow, orange, red are yum too. 2 medium onions or 1 large onion 2 packets of brown gravy (I use low sodium version) 2 packets of chili seasoning (I use low sodium version) 2 teaspoons cumin 6 teaspoons chicken bouillon 1 cup brown sugar 1 tablespoon cayenne pepper Salt and pepper to taste Dash of Garlic powder
Angie Scarfino: Cherry Topped Cheesecake 1 package Duncan Hines yellow cake mix 2 tbsp oil 2 8 oz. pkg cream cheese, softened 1 lb., 5 oz. cherry pie fillinf ½ cup sugar 4 eggs 1 ½ cups milk 3 tbsp lemon juice 3 tsp vanilla
Ryan Carr: Mama’s Pecan Pie Pillsbury All-Ready Pie Crust (This is cheating, but it is incredibly good - find in dairy case) Or make homemade pie crust if time allows} 3 eggs 1 cup corn syrup (light or dark, I use light) 2/3 cup sugar 1/3 cup margarine or butter, melted 1 tablespoon all-purpose flour 1 teaspoon vanilla 1-1/2 cups pecan halves
Tom Gallucci: Instant Pot French Dip Subs 3-4 lb chuck roast or bottom round beef roast 1/2 tsp salt 1/4 tsp pepper 1/2 tsp onion powder 1 Tbsp olive oil 1.25 oz pkg dry au jus mix 12 oz can beer 3 Tbsp butter melted 1/4 tsp garlic powder 12 slices of provolone cheese 8 large rolls 1 Tbsp freshly chopped parsley optional
Gabriela Mendicino: Classic Ratatouille 2 pounds ripe red tomatoes (6 medium or 4 large) 1 medium eggplant (1 pound), diced into ½-inch cubes 1 large red, orange, or yellow bell pepper (about 8 ounces), cut into ¾-inch squares 1 medium-to-large zucchini (about 8 ounces), diced into ½-inch cubes 1 large yellow squash (about 8 ounces), diced into ½-inch cubes 5 tablespoons + 1 teaspoon extra-virgin olive oil, divided ¾ teaspoon fine sea salt, divided, more to taste 1 medium yellow onion, chopped 4 cloves garlic, pressed or minced ¼ cup chopped fresh basil ¼ teaspoon red pepper flakes, more or less to taste ¼ teaspoon dried oregano Freshly ground black pepper, to taste
Amy Boor: Italian Wedding Soup Meatballs (make them small, more work but worth it!) 8 oz lean ground beef 8 oz ground pork 1/2 cup fresh hearty white bread crumbs* 1/4 cup chopped fresh parsley 1 1/2 tsp minced fresh oregano 1/2 cup finely shredded parmesan (freshly shredded ideally, for the meatballs and the soup before serving) 1 large egg Salt and freshly ground black pepper 1 Tbsp olive oil Soup 1 Tbsp olive oil 1 1/4 cups 1/4-inch diced carrots 1 1/4 cups diced yellow onion 3/4 cup 1/4-inch diced celery 4 cloves garlic, minced (1 1/2 Tbsp) 5 (14.5 oz) cans low-sodium chicken broth 1 cup dry acini de pepe or orzo pasta** 6 oz fresh spinach, chopped Finely shredded parmesan, for serving
Toni Bramley: English Lemon Shortbread Strips SHORTBREAD 2 cups butter, softened 1 cup sugar 1/4 cup lemon juice 4 teaspoons freshly grated lemon zest 4 1/2 cups all-purpose flour GLAZE 1 cup powdered sugar 2 tablespoons butter, softened 2 tablespoons lemon juice GARNISH 1 tablespoon freshly grated lemon zest
Sarah VanWagnen: Buffalo Chicken Chili
I typically double the below recipe to fill the crock pot. 1 pound chicken (cooked then sliced or pulled into pieces) 15 oz canned white navy beans (drained and rinsed) 14.5 oz can fire roasted tomatoes (drained) 2 cups chicken broth 1/4-1/2 cup buffalo wing sauce 1 package ranch dressing mix 1 cup frozen corn kernels 1/2 teaspoon onion powder 1/2 teaspoon garlic powder 1/2 teaspoon celery salt 1/2 teaspoon dried cilantro 1/4 teaspoon salt 8 oz cream cheese
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Rich Swerbinsky
TMC - Chief Operating Officer Archives
March 2021
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