Alicia Harkowa

NMLSID#
698954
Company
MAIN STREET HOME LOANS a Division of NFM Lending
Participating lenders have agreed to a LENDAID code of conduct relative to transparency and independent customer surveys.
Certified
Equal Housing Opportunity
Job Title
Sales Manager/ Senior Home Loan Consultant
Career Started
2006
Website
www.loansbyalicia.com
Address
479 Jumpers Hole Rd Suite 404, Severna Park, Maryland
For updated license info and work history visit  NMLS Consumer Access To claim your profile, ask questions or get more information contact us

25 LENDAID Certified Reviews

Reviews are independently sourced by LENDAID from closed loan customers to ensure true, unbiased feedback of the loan officer's customer experience.
Certified

About Alicia Harkowa

As a loan officer since 2006, I am dedicated to guiding your clients through one of the most important financial decisions of their lives. Homeownership is a major milestone, and I take pride in helping clients move forward with clarity and confidence. Whether purchasing a first home, investing, refinancing, or seeking mortgage advice, I provide knowledgeable, reliable support every step of the way. When you refer a client, you can trust they are pre-approved the right way. My letters reflect a full review of credit, income, and assets, and each file is run through automated underwriting. If a client isn’t credit-ready, I create a clear plan and keep you informed. Consistent communication keep everyone updated from start to finish.

Alicia's Reviews

5.0 Stars - 25 Reviews
"Very informative and helpful "
Buying - , October 2024
"Quick and easy to get everything done and processed. Great team"
Buying - Columbia, Maryland January 2025
"We're glad to have Alicia and her team guiding us through our first home purchase. We had lots of questions and didn't understand a lot of the numbers; Alicia and her team were super responsive when providing us with answers all the way from start to finish."
Buying - Sykesville, Maryland May 2025
"The whole mortgage lending process was made easy -thanks to Alicia and her team! They guided and offered us helpful advices. Made sure we get to be informed every step of the way! "
Buying - Glen Burnie, Maryland July 2025
"She was very straight forward, answered all our questions and was easy to work with."
Buying - Jarrettsville, Maryland April 2023
"Alicia and her team were very responsive and kept the process moving. They promptly answered my questions. I would work with them again."
Buying - Owings Mills, Maryland May 2023
"Alicia and her team were always very responsive and were proactive in their services with me — a first time homebuyer. I will definitely recommend them to friends and family looking to sell, refinance, etc."
Buying - Odenton, Maryland May 2023
"I would highly recommend Alicia to anyone looking for a home lender. She was incredibly knowledgeable and helpful throughout the entire process of getting my mortgage. She took the time to understand my needs and goals, and she worked hard to find me the best possible loan terms. I also appreciated her honesty and transparency. She never sugarcoated anything, and she always made sure I knew what to expect"
Buying - Odenton, Maryland July 2023
"Alicia is the professional with a personal touch folks need when dealing with the stressful purchase journey. We are forever grateful for Alicia's expertise, insight, and patience throughout our purchase process. After moving back to the DMV during the pandemic, we began inquiring about purchasing our forever home. Alicia answered our 1,000 questions, met with us over several conference calls, and even responded to multiple text inquiries. Sadly, our move was temporarily paused as Dad's health deteriorated. Alicia remained supportive, shared information, and educated us as the market changed until we found the perfect home almost 2 years later. Alicia is truly the BEST!!! We have and will continue to highly recommend her to others buying a home."
Buying - Bowie, Maryland September 2023
"Amazing team to work with that always kept us up to date and informed! We would 100% recommend!"
Buying - Lusby, Maryland August 2023
"Working with Alicia was great! Everything went smoothly, communication was fantastic! I can't wait for my next purchase! Great experience!"
Buying - Salisbury, Maryland August 2023
"Alicia and her Team are always professional and on point. "
Buying - Cambridge, Maryland December 2023
"Alicia and team is top notch. They kept me calm through the entire loan process and explained along the way when others wouldn't. I recommend Alicia to anyone that asks me who to go through for a positive loan experience!"
Buying - Baltimore, Maryland December 2023
"Alicia, Kelly, and Genie were awesome. Communication is very important to me and this team went above and beyond. They kept me updated every step of the way. They were available to answer any questions that I had. The couple of issues that came up with getting cleared to close they had a resolution without putting any stress on me. I'm so grateful for the work they did. Anyone looking to purchase a home whether you're a first-time homebuyer or one with experience, this is the team that you want on your side. "
Buying - , January 2024
"Alicia and the team made everything easy for us as first time home buyers! They worked with us to keep everything moving as quickly as possible while doing their absolute best. They helped us with other recommendations through the process as well and all around set us up for success! I can’t thank Alicia enough, as well as all the others who helped! "
Buying - Chestertown, Maryland February 2024
"Knowledgeable about offerings that matched our need; helpful in understanding our budgets and how to maximize our home choice. "
Buying - Laurel, Maryland March 2024
"Very professional. On point with everything and communicates very well. Instructed us on every step of the way through the home buying process for the Loan. Wonderful to work with and great job. "
Buying - Pasadena, Maryland March 2024
"Very please with Mrs Alicia Harkiwa.She work very well with me letting me knw every dealtail that's was going on or about to happen. Very pleasant to talk to."
Buying - Baltimore, Maryland March 2024
"Alicia, Kelly and the entire team at Main Street Home Loans were an absolute pleasure to work with. Every question was answered promptly and efficiently-even on weekends. They were consummate professionals and made our home buying process simple and problem free! We would HIGHLY recommend Alicia and her team to our family and friends looking to purchase or refinance their home."
Buying - Severna Park, Maryland April 2024
"Extremely pleased with her work!! A plus!! Highly recommended!!"
Buying - Glen Burnie, Maryland May 2024
"Alicia is a fantastic partner. Never to busy to be available for answering questions for a client or even masterminding for the future. The RE Home group appreciates her energy to get the job done for each customer and agent on our team no matter the need or price. "
Buying - Glen Burnie, Maryland June 2024
"Alicia was amazing! She made the process smooth and very transparent. "
Buying - Glen Burnie, Maryland June 2024
"Easy to work with and answered any and all questions quickly "
Buying - Centreville, Maryland October 2024
"Alicia Harkowa was wonder she’s very good at her job and she came through with everything pertaining to this Amazing opportunity for me to own my own home thank you so much Alecia, job well done!"
Buying - , October 2024
"Alicia was extremely helpful and couldn't have made the home buying process any easier!"
Buying - Millington, Maryland October 2024

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