Derek Halsey Schwarz

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.
Equal Housing Opportunity
Job Title
Division Senior Vice President
Career Started
201 International Circle, Cockeysville, Maryland
For updated license info and work history visit  NMLS Consumer Access
Reviews are independently sourced by LENDAID from closed loan customers to ensure true, unbiased feedback of the loan officer's customer experience.

About Derek Halsey Schwarz

Division Senior Vice President Testimonials are the individual experiences of those who have used our services. Main Street Home Loans does not provide incentives for testimonials or reviews.

Derek's Reviews

4.9 Stars - 116 Reviews
"Derek and his team were professional, courteous, and a pleasure to do business with. They were readily available to answer questions and quick to process the transaction."
Buying - Lutherville Timonium, Maryland December 2017
"First Home Mortgage and Derek Schwarz are awesome. Everyone at First Home Mortgage were professional , friendly and couldn't be more helpful!"
Buying - North East, Maryland December 2017
"Everyone that I worked with was extremely professional, friendly and knowledgeable. The team worked very hard to make sure my loan was approved in a very short time frame. I would recommend them to anyone who is looking to buy or refinance. "
Buying - Reisterstown, Maryland December 2017
"Top notch service from beginning to end. Thank you!"
Buying - Havre De Grace, Maryland January 2018
"The entire team did an amazing job for our family throughout the mortgage process. Thank you!"
Buying - Fallston, Maryland January 2018
"Derek is wonderful and on top of everything and everything goes smoothly. I would tell anyone needing a loan to go to Derek. "
Buying - Bel Air, Maryland February 2018
Buying - Bel Air, Maryland March 2018
"Derek, and First Home, were INCREDIBLE. I actually had lending lined up with another vendor, but was referred to Derek by our Realtor. From the start he was much more responsive than our other lender, even answering questions in the evening during "crunch time." He worked hard to get us a good rate, even without having 20% to put down. I would HIGHLY recommend First Home to family, friends, and colleagues."
Buying - Bel Air, Maryland March 2018
"Derek and his team were first class, easy going and made sure I was prepared and in the know. "
Buying - Fallston, Maryland April 2018
"We were well taken care of by Dawn and she was amazing ! Took care of everything and was very professional and kind and caring ! Will recommend First Home to any of my friends and family ! "
Buying - Port Deposit, Maryland May 2018
"Bar none, the best lender(s) in the area. My wife and I have used Derek twice now, with two different companies, and both times he has been the best!"
Buying - Parkville, Maryland May 2018
"Very helpful and honest!"
Buying - Parkville, Maryland August 2018
"We had the best experience with Derek Halsey and First Home Mortgage! Service was excellent and it was so easy to communicate with everyone to get things done. I would highly recommend Derek and First Home Mortgage to everyone! "
Buying - Forest Hill, Maryland August 2018
Buying - Abingdon, Maryland September 2018
"Derek was always there when i had a question and was always willing to help."
Buying - Stevensville, Maryland October 2018
"I primarily worked with Dawn Poulos who was the ultimate professional. The last time I purchased a home was 25 years ago, and of course regulations had changed. She walked me through the entire process taking care to explain what was needed and why. Her attention to detail and hands-on service was very much appreciated."
Buying - Elkridge, Maryland December 2017
"Derek and his team are professional, courteous, and prompt. They made the mortgage process seamless and smooth!"
Buying - Port Deposit, Maryland December 2017
"I have been doing business with Derek for years. He has always gone above and beyond to help me. He is the only person I have and will continue to do business with in regards to my mortgage."
Refinance - Havre De Grace, Maryland November 2018
"Time and again, Derek Schwarz and his team provide excellent, experienced service that is second to none. "
Buying - Frankford, Delaware December 2018
"Derek was great - responsive, knowledgeable and willing to advise us on many things. He was an invaluable resource for us! Highly recommend him!!"
Buying - Trappe, Maryland December 2018
"He was amazing. Worked with us 6 months prior to us being eligible for a loan. Never hesitated to answer any and all our questions."
Refinance - Forest Hill, Maryland April 2019
"Great experience! Made a complex process very easy and simple to understand. Would highly recommend."
Buying - Baltimore, Maryland April 2019
Buying - Bel Air, Maryland May 2019
Buying - Bel Air, Maryland May 2019
"Absolutely wonderful. Derek is there for any of your questions, needs, or help whenever you need it during the process. An absolutely stand up guy and the nicest they come. Would recommend Derek and Main Street Home Loans to anyone!"
Buying - Abingdon, Maryland May 2019
"Great experience. Great service."
Buying - Bel Air, Maryland May 2019
"Derek Schwarz and his team at Main Street Home Loans are the best! Derek has handled many of my real estate transactions to date. He and his team are very professional and made the process extremely easy. They answered all of my questions promptly and kept me well informed along the way. I wouldn't want to use anyone else."
Refinance - Laurel, Maryland June 2019
"Professional and responsive, he consistently explains the complex components with clarity and tact. A client for over 15 years, I appreciate having a trusted partner in property transactions. Exceptional staff keep us all on track!"
Buying - Towson, Maryland June 2019
Buying - Phoenix, Maryland July 2019
"Derek has done mortgages for use for many years now and is outstanding."
Refinance - Sparks Glencoe, Maryland August 2019
"Derek was very informative and on top of all steps throughout the loan process. The individuals that assisted him in his office were great, easy to work with, and willing to answer questions even at odd hours or on weekends. Any typographic errors were resolved quickly and never caused a delay in our mortgage process. Highly recommend Derek and his team."
Buying - Joppa, Maryland August 2019
"Derek was accessible to me anytime I had a question. Always there to fully explain my options and what would be in my best interest. I would highly recommend!"
Buying - Lothian, Maryland August 2019
"Problem solvers, proactive communicators, and making sure I felt secure about the terms early and often. Great job!"
Buying - Jersey Mills, Pennsylvania September 2019
"Derek and his staff provided excellent advice and made the transaction run smooth particularly since this home purchase was conducted from out of state."
Buying - Sykesville, Maryland September 2019
"Derek and his team were all over every detail"
Buying - Ocean City, Maryland October 2019
"I have used Derek and Main Street for all three of my houses, Derek is absolutely the best"
Buying - Jarrettsville, Maryland October 2019
"Excellent company to work with. Clear, honest, and available. They help to make an arduous process go very smoothly."
Buying - Perry Hall, Maryland October 2019
"Very good"
Buying - Stewartstown, Pennsylvania October 2019
Buying - Parkville, Maryland November 2019
"Derek and all of his associates were extremely pleasant and helpful!!"
Buying - Abingdon, Maryland November 2019
"Very knowledgeable & precise on his calculations!"
Buying - Bel Air, Maryland November 2019
Buying - Oakland, Maryland December 2019
"Derek was extremely helpful and explained things to me in a way I could understand. He answered all of my questions. As a first time home buyer, this was very important to me."
Buying - Catonsville, Maryland February 2020
"Derek was fantastic. Not only was he extremely knowledgeable, but he was nimble and dynamic in how he handled the short timeframe for which I needed my loan. He was ALWAY available for any questions and quickly alleviated any concerns I had when they popped up...and most of those items had nothing to do with him or Main Street. If I left him a voicemail, he got back to me quickly, and was very responsive to email. Derek made a tough situation less challenging for me and I would not have made it through using anyone else. I recommened him to EVERYONE I know who is thinking about refinancing!"
Refinance - Catonsville, Maryland February 2020
"Love working with Derek! Super friendly and knowledgeable about everything I needed help with. The process was quick and painless with Derek."
Buying - Abingdon, Maryland March 2020
"Derek is the best at his job, he makes the very stressful act of getting a mortgage and moving as painless as possible. Derek is as thorough as one can be and always shoots you straight and there isn't another person I will ever get a mortgage through. My lender, my friend."
Buying - Middle River, Maryland March 2020
"awesome, quick, efficient & very professional highly recommend"
Refinance - Ocean City, Maryland March 2020
"Derek is amazing! That is all I need to say."
Refinance - Monkton, Maryland March 2020
"He is the absolute best. Used him many times and refer everyone I know to him."
Refinance - Monrovia, Maryland April 2020
"They got my loan done in a very short period of time and they have the best response when you have questions. Everything is always done right now and you get prompt answers to questions. They explain everything so you can understand and they make the whole process run smooth without any hiccups. Even if there is a problem, they'll find a way to solve it. I would recommend Derek and Main Street Home Loans to anyone."
Buying - Freeland, Maryland May 2020
"Highly trusted and knowledgeable"
Refinance - Perry Hall, Maryland May 2020
"Derek was very responsive in returning emails and calls. He helped me get an excellent rate for my house."
Buying - Rockville, Maryland June 2020
"Great!! Effortless! Trustworthy!"
Buying - Baltimore, Maryland June 2020
"Derek was very responsive and processed our refi very quickly. I would recommend him to others."
Refinance - Fallston, Maryland July 2020
"Professional, knowledgeable and top notch operation from top to bottom."
Refinance - White Marsh, Maryland July 2020
"Derek and his team are amazing. This is the second time we have used him. He is very knowledgeable, quick to respond, and very thorough. Excellent communication throughout the process. "
Refinance - Bel Air, Maryland July 2020
"Excellent experience. Quick response to all questions. All handled online except for closing. Very easy process. "
Refinance - Lutherville Timonium, Maryland July 2020
"Derek was efficient and honest. When we first reached out to him, he ran the numbers and told us exactly what we needed to do to get where we wanted to be. He reached back out to us three months later ( the original agreed amount of time) and we got started on financing for a new house. He answered our calls and emails at all times ( seriously if I send an email late on Sunday I didn't expect a reply till Monday) and even called us after everything was done to check up on us. "
Buying - Sparrows Point, Maryland July 2020
"Excellent "
Refinance - Midlothian, Virginia August 2020
"I've been in the real estate business for over 20 years and I've worked with many good lenders. Derek Schwarz however is better than good, he sets himself apart with service, experience and dedication to his clients and their agents that is second to none. "
Refinance - Frankford, Delaware September 2020
"Incredibly friendly, smart, and a fantastic communicator! Highly recommend Derek for your next loan. Derek and his team walk you through every step of the process and make sure you understand everything so that there are no surprises. 10/10 experience!"
Buying - Bel Air, Maryland September 2020
"I have done business with Mr. Schwarz and his staff on 3 occasions. I have found them to be honest, customer focused and efficient. I have and will continue to recommend them to my friends and family. "
Refinance - Sherwood, Maryland September 2020
"Always working for you! "
Refinance - Fallston, Maryland September 2020
"Answered all of our questions and is very knowledgeable."
Refinance - Fallston, Maryland October 2020
"They are on top of everything & keep things moving smoothly & timely. "
Refinance - Baldwin, Maryland October 2020
"They took great care of us at a very busy time in the mortgage industry. Derek and his team were able to get our refinance through in a shorter time frame than anticipated."
Refinance - Rosedale, Maryland October 2020
"Very smooth and easy process!"
Refinance - Cockeysville, Maryland October 2020
Buying - Bel Air, Maryland June 2021
"2 nd or third working with Derek. Always a great experience . I will definitely use him again in the future "
Refinance - Abingdon, Maryland November 2020
"Derek is very efficient, knowledgable and communicates well."
Buying - Bel Air, Maryland November 2020
"Derek was always available and is extremely knowledgeable about what solution would be the best for our situation"
Buying - Bel Air, Maryland November 2020
"Know Derek is trust worthy. Have known him for35 plus years"
Refinance - Baldwin, Maryland November 2020
"The experience working with Mr. Schwarz and Main Street was 100% positive. They made the process quick and efficient. Always providing clear and concise instructions for us, and communicating in a timely fashion. "
Refinance - Bel Air, Maryland December 2020
"Derek and his staff are very knowledgeable, friendly, and helpful. The entire process was extremely fast and easy compared to refi's I've done in the past."
Refinance - Forest Hill, Maryland January 2021
Refinance - Fallston, Maryland January 2021
Refinance - Baldwin, Maryland January 2021
"Professional, Curtious, Extremely educated and informative with clear concise details on every aspect of the process which really helped tremendously to understand every aspect of the loan process, with time frame, costs, and what to expect in a genuinely friendly and respectful mannerism. "
Refinance - White Hall, Maryland January 2021
"I have used Derek previously to buy a home. His service before was exceptional. I would continue to use Derek as my home lender."
Buying - New Oxford, Pennsylvania January 2021
"Derek was very helpful throughout the entire process. Was always available and contacted me often during the process."
Refinance - Hanover, Pennsylvania January 2021
"Quick, seamless, prompt, and smooth process"
Refinance - Parkton, Maryland January 2021
"Just all around good at what he does and very helpful he is the only lender I will use"
Buying - Havre De Grace, Maryland January 2021
"He is quick, honest and makes it happen! "
Buying - Havre De Grace, Maryland February 2021
Refinance - Perry Hall, Maryland March 2021
"Derek is all about customer service. He took the time to explain the process in detail and got back to me on every question."
Refinance - Lutherville Timonium, Maryland March 2021
"Very responsive and a pleasure to work with "
Refinance - Bel Air, Maryland March 2021
"Easy to work with and let me know everything I needed ahead of time which made the process of buying a house go super smoothly. "
Buying - Hampstead, Maryland April 2021
Refinance - Bensalem, Pennsylvania May 2021
"Easy fast informative "
Refinance - Port Deposit, Maryland June 2021
"Great overall experience, Derek and his team were not only thorough and detailed, but also extremely responsive and informational. Couldn't be more satisfied "
Buying - Forest Hill, Maryland June 2021
"He takes the guest work and worry out of the process. Makes it seamless. 5th loan with Derek, never disappointed. Always the best rate and ahead of the curve."
Refinance - Ocean City, Maryland June 2021
Buying - Millersville, Maryland July 2021
"Derek was great. The process was smooth with no surprises. Could not have been happier with every aspect of the loan process. Thank You!"
Refinance - Fishing Creek, Maryland July 2021
"Derek is very knowledgeable, willing to answer any questions, he is professional and a gentleman!"
Buying - Bel Air, Maryland July 2021
"Derek was very responsive to all of my needs and reached out without any prompt to explain any and all issues with my loan."
Buying - Bel Air, Maryland August 2021
"I always go to Derek for my loan needs. I have full confidence in him."
Buying - Bel Air, Maryland September 2021
"Derek and his team are the absolute best. Super responsive and on top of everything. "
Refinance - Monkton, Maryland November 2021
"Very helpful and knowledgeable. Offered great guidance."
Buying - Baldwin, Maryland November 2021
"Derek is always patient and willing to answer all our questions. He was very easy to work with and was highly recommended. We have worked with him in the past and will work with him in the future if needed. "
Buying - Havre De Grace, Maryland December 2021
"Derek and the Main Street team were spectacular from start to finish! I was a first time home buyer and they helped me through everything and never felt like I was alone in the process! Would recommend to anyone looking to buy a home!!!"
Buying - Havre De Grace, Maryland February 2022
"Very helpful, professional and efficient. "
Buying - Havre De Grace, Maryland February 2022
"We worked with Derek for almost 3 years as we searched for a house and during that time he was very responsive and amazing to work with."
Buying - Aberdeen, Maryland March 2022
"We couldn't be happier with our experience with Derek and his team. Derek took the time to explain the process and answer any questions we had along the way. He explained all scenarios and gave us options when putting in offers. "
Buying - Bel Air, Maryland April 2022
Buying - Lutherville Timonium, Maryland April 2022
"Have worked with Derek and his team on a few deals now, they are awesome to work with. Always put the clients best interest first and always able to get the job done! Highly recommend them. "
Buying - Sparrows Point, Maryland April 2022
"Awesome!!!!! "
Refinance - Forest Hill, Maryland May 2022
"Derek and his team are amazing. Great, prompt communication. And they moved fast for us. Thank you!!"
Buying - Bel Air, Maryland June 2022
Buying - Dundalk, Maryland August 2022
"Very professional and helpful!"
Buying - Bel Air, Maryland June 2023
Buying - Frankford, Delaware September 2022
"Fast. Easy. No hassle, knowledgeable staff."
Buying - Middle River, Maryland October 2022
"A thousand thank you's to the entire Main Street Home Loans team for making my home buying process easy, organized, professional, and overall enjoyable! I felt supported and in good hands throughout the entire process thanks to Derek and his wonderful team!"
Buying - Baltimore, Maryland March 2023
"Have purchased and refinanced many homes and this was easily the smoothest. Even with the additional requirements of a relatively large mortgage, the process was methodical and painless."
Buying - Cockeysville, Maryland May 2023
"Derek was so easy to work with. He and his assist were available always and so knowledgeable! They made this process so much more simple! "
Buying - Ocean City, Maryland June 2023
"Derek was extremely knowledgeable, fast to respond, and organized. He made the loan application process easy. "
Buying - Virginia Beach, Virginia July 2023
"Derek is very professional, personable, and gets the job done in a timely manner. He is straightforward, and very knowledgeable. "
Buying - Abingdon, Maryland August 2023
Buying - Abingdon, Maryland March 2024

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