Derek Halsey Schwarz

MAIN STREET HOME LOANS a Division of NFM Lending
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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 - 59 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

Derek's Sample Area of Work

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