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
Alicia Harkowa
Senior Home Loan Consultant
NMLS# 698954
C: 443 250 5489
aharkowa@mainstreethl com
LoansByAlicia com
Licensed in MD, VA, DE , & PA
Alicia Harkowa Senior Home Loan Consultant
PROFESSIONAL SUMMARY
As an experienced loan officer licensed since 2006 my team and I are available to guide your clients through one of the most important decisions of their life Living in Centreville on the Eastern Shore of MD since 2004, and growing up in Baltimore, I lend on both sides of the bridge Whether purchasing their first home, an investment home, refinancing or just need mortgage advice, Harkowa Home Team can help
When you are sending your client to us, you can assure that they are being pre-approved the correct way. Letters from me mean that your clients have had all documents verified, including credit, income, assets and have been put through automated underwriting. If your client isn't quite ready we will put them on a path to get them there and keep you in the loop along the way
Our clients and agents are kept up to date throughout their loan process so you will never have to wonder what is going on We pride ourselves in communication and accessibility Smooth transactions are my teams #l goal
CONTACT INFO
Susanne Zipp
Loan Partner
NMLS# 2282594
C: 410.533.8213
szipp@mainstreethl.com
LoansByAlicia.com
We are participating in FHA, VA, Conventional, USDA, Chenoa Grant and Maryland Mortgage Program Down Payment Assistance programs. With In-house processing, underwriting and closing we get your loans done quickly and efficiently We can get your clients loan underwritten prior to finding a property to help close even quicker Work with a local lender that is able to get things done!!
Let me show you how working with Main Street Home Loans and specifically the Harkowa Home Team can help you in your business
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.
MEET US IN SEVERNA PARK, MD
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
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
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
Non-Warrantable Condos: Renovation Loans:
* 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
* 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
AnneArundelCounty acdsinc.org/housingresources/homebuyers/mortgage-assistance upto$50,000indownpaymentassistanceincomebased(firsttimehomebuyer)
CityofRockville hcii.org/r-e-a-c-h upto$12,000ofinterestfreeloanrepayableover7 years 100%FinancingFHAProduct
443 250 5489 | aharkowa@mainstreethl
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