#main squeeze menu

Later, Yawn found a job as the program director for dental assisting at Fortis College in Centerville so she could live in the area and spend more time in Yellow Springs. Yawn and Lee, originally from Mississippi, stumbled upon the village when Yawn was working a two-week stint at Wright-Patterson Air Force Base and was given some advice that she should visit the “little hippie community of Yellow Springs” during Street Fair, she said. Just last weekend, the store served customers from New Zealand, Argentina, Mexico, Kentucky, Indiana, Missouri and Chicago. The “Bamboozled” and “Over the Rainbow” smoothies seem to be fan favorites and the couple is surprised how far local tourists have traveled. Yawn said that so far the community has been supportive, which she described as “typical Yellow Springs.” And the couple has started to get a sense of their clientele, which Yawn said includes many bicyclists, the over-40 crowd and young people from 17 to 30. A peanut butter and chocolate smoothie is like a “liquid Reese’s bar,” she said. Of course not all menu items are equally healthy. “We’re trying to transition people into the mindset that even though these are delicious drinks, the value of nutrients you get is tremendous,” Yawn said. The difference in health value is huge, according to Yawn. Comparatively, McDonald’s “real fruit smoothies” contain added sugar, while popular smoothie chains use pre-packaged mixes. If a drink contains orange juice or pineapple juice, for example, the raw fruits are juiced on the spot and with the exception of apple cider, all of the juices are made from scratch. Whole fruits are juiced without the use of sugary additives or juice concentrates. Since it opened, Main Squeeze has been the place for smoothie purists. One 16-ounce drink can contain two beets, several stalks of celery, four oranges and one banana. The amount of fruit and vegetables that can be consumed in a smoothie or juice is almost impossible to eat, Yawn added. “We see this as more a wholesome alternative than a sweet treat,” Lee said. Lee, who drinks a shot of wheatgrass juice each day, wants to promote smoothies as complete meals, not just snacks, even though the word smoothie conjures something “soft and pleasurable,” he said, and most of Main Squeeze’s customers come in between meals. Yawn said she and her fiancé Lee have been trying to live healthier, and hope to help others do so through the juice bar. “We’re not only immersing ourselves in community, it’s a lifestyle change.” “We’re ‘finding ourselves’ in Yellow Springs,” Yawn said, referencing the local slogan. Yawn and Lee moved to Yellow Springs from Tennessee in 2010 after visiting during Street Fair and though they now live in Xenia, their heart is still in the village. “It brings in a variety of what they can eat and offers something that really no one else really offers.” “The reason I sold it and just didn’t close it is that town really needs that business,” Johnson said in a phone interview. Johnson is now food safety director for Naturipe Farms, one of the largest organic berry companies in the U.S. Johnson said she is happy to have recouped some of her investment with the sale (the juice bar itself took five years to turn a profit) while ensuring the business stays open for the good of the village. “This is great for us because we get to be here everyday and involved in the community more,” Yawn said. While Yawn has spent her career in dentistry, and Lee in chemistry, and neither has owned a smoothie shop, their love of Yellow Springs and healthy living prompted the purchase, they said. In addition to smoothies, juices and bagels, customers can now purchase strawberry and blueberry yogurt parfaits, a smoothie-on-a-stick (like a healthy popsicle) and protein bars. Yawn and Lee purchased Main Squeeze last week from owner Donna Lynn Johnson, who started the business in 2006 and moved to Santa Cruz, Calif., in January. But smoothie addicts can still get their fix at Main Squeeze, now in the hands of Xenia couple Debi Yawn and David Lee, who plan to keep the juice bar’s signature blended smoothies and freshly-squeezed juices while adding some new items to the menu and fresh energy to the business. When Main Squeeze went on sale at the beginning of the year, customers may have worried about the fate of the local juice bar.

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This week, the company rolled out what it's calling temporary rate buydowns, which will lower borrowers' interest rates by up to 2 percent for the first two years of their mortgage, according to a news release. UWM, in particular, has been rolling out initiatives to try to either help its brokers bring more business or bring more brokers under its umbrella. Rosa and Dicker said that the Pontiac-based lender stands as their primary lender for their clients, but they also do business with lenders including Home Point and Caliber Home Loans, a Texas-based mortgage lender. In its earnings report earlier this month, Home Point reported having 8,744 broker partners as of June 30, up about 2,000 from the previous year.īy comparison, UWM has 11,000-12,000 brokers within its network, according to a company spokesperson. "This creates alignment between the broker and the consumer, and the competition forces Home Point and other lenders to put their best foot forward (in terms of) price, product, and service delivery. Mortgage brokers have choices, and retail officers do not," Newman said. "This advantage is fueled by one primary driver: choice. Home Point CEO Willie Newman told analysts earlier this month that the company has been analyzing data from the federal Home Mortgage Disclosure Act, and found that in 2021, brokers working with Home Point and other wholesale lenders saved consumers an average of $9,400 over the life of a loan, generally through lower up-front costs and lower interest rates. Likewise, executives at Home Point Capital, an Ann Arbor-based wholesale lender, say they're working closely with brokers in their network and attempting to educate consumers on the benefits of working with independent mortgage brokers as opposed to direct-to-consumer retail lenders. And we feel really great about it right now and we'll continue to use that edge to help our brokers continue to win." "You have access to leverage our information, our training, our knowledge, (for brokers) to communicate in a positive way in their markets throughout America. "That's part of the partnership with UWM," Ishbia said. UWM, Ishbia said, is working to educate the brokers within its network on the ongoing changes in the marketplace so they can relay that information to their clients - the consumers who are financing homes. Speaking on an earnings call with analysts last week, Ishbia said that because of the rapid fluctuation in mortgage rates, consumers are "shopping" more, and coming to the conclusion that it's "cheaper" to go with a broker. The volatility being felt in the marketplace - and described by brokers like Dicker and Rosa - could play in their favor, according to Mat Ishbia, CEO of Pontiac-based United Wholesale Mortgage, the nation's largest wholesale mortgage lender. The "abnormal" markets years of 20, and even 2019, according to Rosa, were welcome news for consumers and mortgage lenders, but were not sustainable, the broker told Crain's. "There's definitely a normalization in the market," said Dante Rosa, the senior loan officer and owner of Dante Rosa Home Loans LLC in Macomb Township.

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Rates are now over 5 percent, clocking in an average of 5.13 percent average for a 30-year loan, Freddie Mac reported Thursday.įor some who have been around the mortgage industry for a while, the change of pace brought about by rising rates and a generally challenging real estate market in which home prices remain high is actually welcome news. Data from Freddie Mac shows that rate didn't tick back up above 4 percent until late March, which made for a home-buying and refinancing boom for all of 2021. The 30-year fixed rate mortgage hit a near record low of well below 3 percent in the tail end of 2020 when the country was in the throes of the COVID-19 pandemic. "And if there is a slowdown, capture more revenue for myself." "I focus mostly on (home) purchase, and through networking with Realtors, it seems like a good opportunity to build my own book with the higher rates right now," Dicker said. But Dicker decided that amid the challenges in the industry, it was time to set up shop on his own, something he did in early August, launching Troy-based Your Mortgage Guy LLC.