REALTOR GUIDEBOOK
REALTOR REFERENCE GUIDE
VA Funding Fee* (Purchases)
mortgage history
REALTOR REFERENCE GUIDE 2026
Seller Contributions
Debt to Income Ratio
Our TOP PRIORITY 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.
Our
CONTACT INFO
Kyndle Quinones
VP/Branch Manager
NMLS# 156081
C: 443.254.0381 kyndle@mainstreethl.com www.kq4u.com
Licensed in
DC, DE, FL, GA, MD, NC, PA, SC, VA
KYNDLE QUINONES
VICE PRESIDENT / BRANCH MANAGER
MISSION
Our mission is to build strong, lifelong relationships one client at a time by offering value added service that will exceed your every expectation. We are truly passionate about our profession, and the result is that nearly 100% of our business is generated by referrals from satisfied clients, trusted financial advisors and the most experienced agents in the area
ACCOMPLISHMENTS
Kyndle has surpassed $1Billion in production since entering the industry in 2001
Main Street Great 8 Finalist 2025
Main Street Great 8 Finalist 2024
Main Street Circle of Excellence Honoree 2023 and 2024
Top 300 Female Originators in America Scotsman Guide 2019-Present
Top 1% Mortgage Originators in America 2013-present
Mortgage Executive Magazine
Top 1% Scotsman Guide Award Recipient 2017-present
MAIN STREET HOME LOANS
Main Street Home Loans is dedicated to remaining an innovative industry leader by providing our clients and business partners with exceptional service and open communication throughout the loan process, working together as a passionate and reliable team, and supporting the communities we serve.
Main Street Home Loans always places honesty, integrity, and ethics at the highest level of importance and these practices are reflected in our company values.
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
Loan Programs aren’t
one size fits all, but we’ve got something in every size!
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:
* 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
Extended Rate Lock Program:
*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
Renovation Loans:
* 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
Contact me to learn more about the variety of options we offer!
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
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