REALTOR GUIDEBOOK
REALTOR REFERENCE GUIDE
VA Funding Fee* (Purchases)
mortgage history
REALTOR REFERENCE GUIDE 2026
Seller Contributions
Debt to Income Ratio
Our TOPPRIORITY is to make our client’s home loan experience as simple and seamless as possible by providing:
• Competitive Rates
• Great variety of loan programs
• In-house processing for quick turnaround times
• Dedicated underwriting for seamless communication
• Ability to solve potential issues upfront
I am backed by a strong team, rich with experience and knowledge in the industry
Ourgoalistoprovideplatinum-levelservice,andtomaketheprocess quickandefficientwithouteverlosingfocusonwhatmattersmost: OURCLIENTS’COMPLETESATISFACTION!
Pleasevisitwww.mainstreethomeloans.comformoreinformation
TOP10REASONSTOCHOOSE
Longevity
We’reanawardwinning, residentialmortgagelender. Mortgagesisallwedo,andwe havebeeninthebusiness since2019.
Flexible
Ourloanprocessisstreamlinedto allowforquickturntimesandoffers flexibleunderwritingguidelines
Smooth
Wehavededicatedprocessing andunderwritingtoensurea seamlessloanprocess.
Available
Wekeepopenlinesof communication,making sureeveryoneisinformed frombeginningtoend.
Culture
Ourcompanyhasstrongfamily valueswhicharethefoundation ofoursuccess
Local
We’remorethanjustyour mortgagelenders;we’realsoyour neighbors!Wehaveadeep understandingofourlocalmarket.
Service
Sinceourfounding,wehave committedourselvestoproviding ourclientswithexceptionalservice
Competitive
Wehavecompetitiveliveinterest ratesandawidevarietyofloan programs.
EasyApplication
Ourinterview-styleapplicationis availableinSpanishandfeatures documentuploadandautomated touchpointsforconvenience
Co-Marketing
Wehavethetechnologyand resourcestocreatebeautiful compellingco-marketing materials
Please note that the pre-qualification does not constitute a commitment or a loan approval, but is instead a preliminary assessment of your
credit
sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is
lend.
is
to
of
application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements Not
Offers
and are subject to change at
time without notice MLO licensing information MD 156081; FL LO-14087; GA 156081; DE MLO-156081; NC I-179173; VA MLO-18468VA; PA 25376; DC ML0156081; SC MLO – 156081 MLO licensing information: MD 698954; PA: 98478; DE ML0-698954; VA MLO63656VA; DC ML0698954; FL # LO124161 Main Street Home Loans is a Division of NFM, Inc dba NFM Lending, NFM NMLS 2893 Main Street Home Loans is licensed by MD # 5330; FL # MLD174 and MLD795; GA #17414;
Loan Programs aren’t
Having niche programs is one thing, getting them to closing on time is another Main Street Home Loans has you covered! Explore the variety of products we have that are outside the box of regular financing option, yet still allow us to provide the same great service
Super Jumbo Loans:
* Loan amounts up to $20 million
* Great for self employed borrowers
2-1 Buydown Program
Build Now & Save Enjoy reduced mortgage payments during the first 2 years in your new home
Non-Warrantable Condos: Renovation Loans: Extended Rate Lock Program:
* Purchase or Refinance
* Primary, Second, Investment Homes
* No PMI required
Non-QM Products:
Financing solutions for the nontraditional borrower
* Investor Cash Flow Options
* Bank Statement
* Asset Qualifier
*Available for Conventional, FHA & VA
*6 or 12 month lock options
Bridge Loan:
*Able to present non contingent offers
*Flexibility on payment options for bridge loan to help borrowers manage monthly mortgage payments
* FHA 203K
* Conventional Homestyle
* VA Rehab
5% down Multi Unit:
*Great option for 2-4 unit owner occupied properties
*Buy your home using rental income to build equity
Maryland Options for MarylandOptionsfor
DOWNPAYMENTASSISTANCE
MarylandMortgagePrograms
mmp.maryland.gov
$6,000downpaymentassistance(DPA)
3/4/5%oftheloanamountasDPA
Homeability-disabledonlyorcaregiverupto25%ofthe salesprice
Flex$6,00DPA-forsecondtimehomebuyers(3%loan alsoavailable)
HouseKeysforEmployees-additional$2,500 SmartKeysforEmployees-additional$1,000ifproperty islocatedwithin10milesofwork
SmartBuy3.0-upto$20,000inforgivenstudentloan debtorupto15%ofthesalesprice,whicheverisless. conventionalloanonly
3%downpayment-canuse$6,000DPAtowards Downpayment,or6%ofthe1stmortgage(onlyfor borrowerwhosequalifyingincomeis50%orlessof Areamedianincome)
MontgomeryCountyHomeownershipProgram-upto $25,000foremployees(whenfundsavailable)
GreenbeltHomeAdvantage
DundalkRenaissanceProgram dundalkusa.org/grants-programs 20loansavailablethisyear
$5,000forgivableloan
HowardCounty-SettlementDownPayment LoanProgram
howardcountymd.gov/dhcd-sdlp
$4,300-$40,000availabledependingonhousehold income
HarfordCountyHometownHeroes
harfordcountymdgov/2672/hometown-heroes
BaltimoreCityIncentives
dhcdbaltimorecitygov/hho/homeownershipincentives
Mostare5yearforgivableloanswithzerointerest BaltimoreCityEmployeeLoan-$5,000 FirstTimeHomebuyerIncentiveProgram-Upto$10,000 plusanadditional$5,000forcertainconditions(e.g., purchasedthehometheyhaverentedandoccupiedfor atleast6months,haveadisability,orhaveahousehold memberwithdisability Anextra$10,000isavailablefor propertiespurchasedinImpactInvestmentAreas VacantstoValue-$10,000forregisteredvacant propertiesontheV2Vsite
BuyingintoBaltimore-$5,000forparticipantsofthe trolleytour(3timesayear).
LiveNearYourWork(LNYW)-Citymatchesupto$2,500 oftheemployercontributionsthatparticipates(grant, notrepayable)
employermustparticipateintheprogram thisisagrantnottoberepaid
CityofRockville hcii.org/r-e-a-c-h upto$12,000ofinterestfreeloanrepayableover7 years
AnneArundelCounty
acdsinc.org/housingresources/homebuyers/mortgage-assistance upto$50,000indownpaymentassistanceincomebased(firsttimehomebuyer)
100%FinancingFHAProduct
require to apply for a 1st and 2nd mortgage. MLO licensing information MD 156081; FL LO-14087; GA 156081;
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