Timothy Kavanagh Reinhart

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
Senior Vice President
Career Started
1954 Greenspring Drive Suite 420, Lutherville Timonium, 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 Timothy Kavanagh Reinhart

Tim began his career as a Mortgage Banker in October of 1997 and has been a top producer in the mortgage industry ever since. He is ranked as a Top 1% Mortgage Originator in America and continues to focus on what he finds most important about his business - his clients. Tim’s goal is to provide the finest customer service, competitive rates and a wide array of mortgage products to meet individual needs. He has successfully provided financing for thousands of homeowners purchasing and refinancing homes over the past two decades. Tim’s team is comprised of individuals with extreme knowledge and dedication, who share his same goal to provide the ultimate customer experience. Availability and communication are just two of the key components that allow Tim and his team to provide the finest service in the industry. - Testimonials are the individual experiences of those who have used our services. Main Street Home Loans does not provide incentives for testimonials or reviews.

Timothy's Reviews

4.9 Stars - 120 Reviews
Buying - Towson, Maryland July 2018
"Professional, attentive, thorough. A kind person who was a pleasure to conduct business with. As well as his excellent support staff."
Refinance - Perry Hall, Maryland December 2017
Buying - Baltimore, Maryland December 2017
"A well-oiled machine, everything moved very smoothly and Dawn kept me in the know all along. "
Buying - Lutherville Timonium, Maryland February 2018
"I purchased my home with him and just refinanced with him also. He and his staff are very helpful and keep you informed through the whole process. "
Refinance - Parkville, Maryland February 2018
"My fiance and I were referred to Tim through a co-worker as we searched for our first home, located in the Canton neighborhood of Baltimore. Tim brings a wealth of knowledge & experience to the Baltimore real estate market, and his partnership with Paul DiBari provided a fantastic 1-2 punch. Tim is incredibly knowledgeable in his craft, while staying calm and thorough in his approach. As a first-time buyer with a ton of questions, Tim showed incredible patience in working with us for almost two years before we found the perfect home. Tim was quick to respond to any questions I had. I would highly recommend Tim to anyone and look forward to working with him again in the future."
Buying - Baltimore, Maryland March 2018
"Tim and his team at First Home Mortgage have been GREAT! Highly Reccomend to anyone looking for a home loan. "
Buying - Keymar, Maryland April 2018
Buying - Alexandria, Virginia June 2018
"They made the process very smooth and stress-free!!"
Buying - Cockeysville, Maryland August 2018
"Dawn and DJ were awesome to work with!! "
Buying - Owings Mills, Maryland August 2018
"Easy, efficient, helpful, friendly!"
Buying - Severna Park, Maryland August 2018
"Tim worked closely with us as we purchased our home. This is our second experience with Tim during a purchase. It is reassuring that full service personal connections are made during such transactions!"
Buying - Brookeville, Maryland September 2018
"Tim and his team are AWESOME! We had a somewhat unique situation and Tim kept the ball rolling despite some really slow players on the other end. I would recommend Tim and First Home to everyone. "
Buying - Felton, Pennsylvania April 2018
"Tim and his team are great. They go above and beyond to make sure everything goes smoothly. "
Buying - Baltimore, Maryland October 2018
"Tim was very helpful and made the process of buying our home smooth and seamless. "
Buying - Bel Air, Maryland December 2018
"Tim was extremely patient and beyond available for us whenever we had a question. Everything Tim did truly made us feel he had our best interest in mind. "
Buying - Edgewater, Maryland April 2019
"Great team, great rate, amazing communication! "
Buying - Lutherville Timonium, Maryland May 2019
Buying - Avondale, Pennsylvania June 2019
"Tim is excellent, and I recommend him to anyone who will listen. He's extremely responsive, easy to work with and explains any questions I have. Wouldn't work with anyone else. "
Buying - Baltimore, Maryland June 2019
Buying - Lutherville Timonium, Maryland June 2019
Buying - New Windsor, Maryland June 2019
Buying - Baltimore, Maryland July 2019
"They were very responsive to our every question. They were also very thorough in their responses."
Buying - Lutherville Timonium, Maryland July 2019
"Honest and trustworthy"
Refinance - Millersville, Maryland July 2019
"Fast, friendly service"
Buying - Sparks Glencoe, Maryland July 2019
Buying - Baltimore, Maryland August 2019
"Great experience. Very informative. Supported us through the entire process."
Buying - Gwynn Oak, Maryland August 2019
"Tim was great! The entire process was seamless. Would highly recommend."
Buying - Perry Hall, Maryland August 2019
Refinance - Baltimore, Maryland October 2019
Refinance - Alexandria, Virginia October 2019
"We have had the pleasure of working with Tim twice now. Tim worked closely with us when we purchased our first home. And most recently, Tim helped us refinance our mortgage. Tim is an expert and is always looking out for your best interest."
Refinance - Annapolis, Maryland October 2019
"Tim is the absolute best at what he does! I am very pleased and will contact him again!!!"
Refinance - Monkton, Maryland November 2019
Refinance - Edgewater, Maryland November 2019
"Great service, wonderful people."
Refinance - Baltimore, Maryland November 2019
"I found Tim Reinhart through my realtor. I was immediately impressed with his knowledge and willingness to be of help. He also took as much time as I needed to explain how things work and guided us through the process. When my son and his wife were looking for a mortgage and just weren't happy with the treatment they were receiving from the bank I referred Tim to them and they were immediately impressed. Tim was even able to offer them a way out of paying the PMI that nobody had even suggested before. If you need someone to help you get a mortgage I highly recommend Tim Reinhart and his staff. It was a joy to work with them."
Buying - Kingsville, Maryland December 2019
Buying - Seven Valleys, Pennsylvania December 2019
"Knowledgeable , kept in touch through mortgage process"
Refinance - Fawn Grove, Pennsylvania February 2020
"Tim was extremely helpful and made our home buying process a breeze. We are first-time buyers and Tim was able to provide answers to all of our questions. I have and will continue to recommend Tim and Main Street Home Loans to anyone who needs a home loan."
Buying - Phoenix, Maryland February 2020
Refinance - Selbyville, Delaware March 2020
Buying - Baltimore, Maryland March 2020
"Tim and the associates at Main Street Home Loans did a fantastic job being there for me during the home buying process. They were exceptional during the closing process which occurred in the middle of the COVID-19 outbreak. My wife and I can't thank you enough for the support your team gave us!"
Buying - Cockeysville, Maryland March 2020
"always took time to explain and made sure I understood process"
Refinance - Towson, Maryland March 2020
Refinance - Towson, Maryland April 2020
"Tim is the ultimate professional. Timely, honest, kind, and has a great pulse for the current market rates. Will absolutely continue to recommend Tim to those looking to buy a home first-time, or those looking to refinance."
Refinance - Baltimore, Maryland April 2020
Refinance - Cockeysville, Maryland April 2020
Buying - Ocean City, Maryland May 2020
"Fantastic customer service!! The whole buying process went very smoothly!"
Buying - Manchester, Maryland May 2020
"Helpful, practical and proactive."
Buying - Lutherville Timonium, Maryland May 2020
"Tim and his team are the best. I have done 4 loans with Tim and wouldn't go to anyone else."
Refinance - Chester, Maryland May 2020
"They were helpful, patient, and took the time to explain things to me."
Buying - Baltimore, Maryland May 2020
"Tim was very responsive and answered all of my questions. His team was on top of things every step of the way."
Buying - Bethany Beach, Delaware October 2021
Refinance - Reisterstown, Maryland June 2020
"Tim and his team were fantastic! They were very efficient in responding to our questions. Debra went out of her way to call us a couple of evenings after we emailed with questions so she could help us understand parts of the settlement process. Tim contacted us immediately when the settlement company made an error, and he corrected it right away. I would definitely recommend Tim and his team!"
Buying - Towson, Maryland June 2020
"Tim and his team were extremely knowledgable and helpful during our home buying process, especially considering the logistical difficulties around doing all this during a pandemic."
Buying - Cockeysville, Maryland June 2020
Buying - Lutherville Timonium, Maryland June 2020
"Very good..This is my second go round and I was impressed both times .Tim is very professional and he goes that extra mile to make certain everything is to your likens!!!👍🏻👍🏻👍🏻"
Refinance - Reisterstown, Maryland July 2020
"Timothy and his team made the experience very easy. Kudos to the team as they communicated often from the start through finish keeping us informed of each phase and answered all questions promptly. "
Buying - Millersville, Maryland August 2020
Refinance - Parkville, Maryland August 2020
"1st class, well run operation from start to finish. "
Buying - Ocean City, Maryland August 2020
"Very knowledgeable and always available. "
Buying - Towson, Maryland August 2020
"This was our third time working with Tim and his team. They are beyond AMAZING and professional. Everything was prepared as Tim reviewed with us verbally and exactly as he had detailed. Our settlement was quick, all documents were accurate, and we felt prepared due to the impeccable preparation from Tim and his team. "
Refinance - Westminster, Maryland April 2021
"Overall, the process was professional, timely and complete."
Buying - Baltimore, Maryland April 2021
"Tim and Main Street homes makes the process easy and really tries to minimize the paperwork effort. "
Refinance - Phoenix, Maryland September 2020
"Great explanation of everything - upfront about best rate and APR available. "
Buying - Lutherville Timonium, Maryland September 2020
"Exceeded my expectations and always available to answer any questions."
Refinance - Phoenix, Maryland September 2020
"Tim has assembled a great team. I've purchased 5 homes and this was easily the best experience I've enjoyed. Each person on the team did their job perfectly. No last minute stress. This is what house buying is supposed to be."
Buying - Odenton, Maryland September 2020
"positive experience with them"
Buying - Lutherville Timonium, Maryland September 2020
"I've worked with Tim and his team a few times over the years on my home mortgage transactions. They offer first class service. Extremely organized and diligent."
Refinance - Towson, Maryland October 2020
"Tim was awesome. Always super responsive and informative. It was a huge pleasure working with him and his team! Their knowledge, efficiency, and work ethic was a breath of fresh air. I would definitely work with them again."
Refinance - Upper Marlboro, Maryland November 2020
"Tim and the loan processors (Debra, Caryn, Dajuana) have been amazing to work with. From start to end they were on top of everything, super informative, approachable, and easy to contact. "
Buying - Windsor Mill, Maryland November 2020
"Tim was a wealth of knowledge and quick to respond to the questions we had. He had a pre-approval done for us on a Saturday!"
Buying - Hampstead, Maryland November 2020
"I have refinanced my home many times over the last 18 years and I only trust Tim and his team. They are very helpful, prompt and reliable."
Refinance - Owings Mills, Maryland November 2020
"Extremely efficient!! "
Refinance - Severna Park, Maryland December 2020
"easy flow of information"
Refinance - Reisterstown, Maryland December 2020
"Great communication and timely follow through!"
Refinance - Reisterstown, Maryland December 2020
Buying - Silver Spring, Maryland January 2021
"Tim balances both friendliness and professionalism. Quickly understands his clients needs and has a very approachable team. "
Buying - Owings Mills, Maryland January 2021
"I was referred by my nephew who is a realtor. I was pleased with the efficiency of my refinance."
Refinance - Centreville, Maryland January 2021
"In all my dealings with Tim Reinhardt, he has provided top tier communication, service, and expertise. I've recommend them highly"
Refinance - Reisterstown, Maryland January 2021
"Tim and his staff were very professional, courteous and resourceful."
Refinance - Cockeysville, Maryland January 2021
"Almost all very good. Received wrong message about need to wire funds which was not needed as this was a refinance which took me half a day of wasted effort."
Refinance - Newark, Delaware January 2021
"Tim is the best! He was ALWAYS available to quickly answer my questions."
Buying - Owings Mills, Maryland January 2021
"Saving me money with the highest professionalism!"
Refinance - Severna Park, Maryland February 2021
"Tim was extremely helpful and knowledgeable about each step of our refinance process. Always took the time to ensure each question was answered. We would not hesitate using him again in the future."
Refinance - Towson, Maryland February 2021
"Timothy Reinhardt and his staff were very supportive in helping me step by step gather all I needed for refinancing. They gave guidance and were quite patient when I had difficulty downloading important information. I appreciated the personal feedback and phone calls when I was stuck. "
Refinance - Fallston, Maryland February 2021
"Always professional and easy to reach."
Refinance - Annapolis, Maryland February 2021
"It was a easy and comfortable process to refinance my mortgage loan. The team was very helpful and quick to respond to all questions."
Refinance - Pikesville, Maryland March 2021
"Very simple and went smooth"
Buying - Sparrows Point, Maryland March 2021
"Tim is very professional. All of his team members are great. Very satisfied with their service. "
Buying - Baltimore, Maryland March 2021
"Profesional, truthful, and kind everything you need when buying a house!"
Buying - Halethorpe, Maryland March 2021
"Tim and his team got the loan done where another lender couldn't."
Refinance - Hampstead, Maryland March 2021
"Wonderful, simple, honest. Transparent. "
Buying - Hanover, Pennsylvania May 2021
"Always outstanding service from everyone in the process from beginning to completion."
Refinance - Columbia, Maryland May 2021
Buying - Hanover, Pennsylvania June 2021
"Extremely knowledgeable- responsive and creative. Have worked with Tim now four times and will do it again. "
Refinance - Towson, Maryland July 2021
Refinance - Lutherville Timonium, Maryland July 2021
"Timothy Reinhart was a pleasure to work with! I haven't actually bought a house before and he helped me immensely. I'm so grateful to have been able to work with Tim!"
Buying - Baltimore, Maryland August 2021
"Tim and team were very nice, helpful and compassionate through the whole home buying experience. I will highly commend them."
Buying - Reisterstown, Maryland August 2021
"Timothy and team made the process very easy. "
Buying - Westminster, Maryland August 2021
"Great to work with, he explains everything well. He made it and easy process."
Buying - Manchester, Maryland August 2021
"I simply could not have asked for a better team and easier process. Tim and his team were awesome from start to finish."
Buying - New Windsor, Maryland October 2021
"Professional and stayed in communication during our refinance. Handled all aspects with confidence and competence."
Refinance - Westminster, Maryland October 2021
Refinance - Towson, Maryland December 2021
"Well first off he's a downright stud, second off I rate Tim based off of his team and all of them were phenomenal. "
Buying - Westminster, Maryland February 2022
"Great customer service. Explained everything. Keep me informed."
Buying - Essex, Maryland March 2022
"Mr. Reinhart kept me informed throughout the process. He was efficient at providing documents that required my action. He was also highly responsive to my questions. The entire team was knowledgeable and supportive. Great experience. "
Buying - Pikesville, Maryland March 2022
"Readily available to answer questions Kept us updated throughout our loan process "
Buying - Millersville, Maryland May 2022
"Tim and his team (Debbe and DJ) are the best! They have helped me with all my refinancing in the past and I highly recommend them to anyone else. "
Refinance - Owings Mills, Maryland June 2022
Buying - Mechanicsville, Virginia June 2022
Buying - Lutherville Timonium, Maryland June 2022
"They were extremely helpful. It was our first time buying a home, and they walked us through every detail so everything was ready and went through on time. "
Buying - Parkville, Maryland July 2022
Buying - Hampstead, Maryland September 2022
"Tim and his team were amazing. They were prompt and efficient with helping us secure our new home. They moved us through the process in a rapid manner that allowed us to get our dream home."
Buying - Monkton, Maryland November 2022
"Tim and his team were excellent and guided us through every step of the process patiently and politely "
Buying - Towson, Maryland May 2023
"Very knowledgeable and easy to work with "
Buying - York, Pennsylvania July 2023
"Tim and his team have been amazing to work with. As first time home buyers they have been super support through this whole process and we’re always available to answer our questions. I would recommend Tim and team to everyone! "
Buying - Felton, Pennsylvania September 2023
"Tim was very responsive and explained everything perfectly. He was a pleasure to work with!"
Buying - York, Pennsylvania August 2023
"If I could do 10 stars I would! Tim and his team have been nothing but amazing to us, not one time did they steer us wrong and have been 110% translucent, honest, and quick during our months of working together. It didn’t matter what time of the day or night it was, Tim and his team were always quick with answers and preparing us for the next steps, we can’t thank them enough!"
Buying - Felton, Pennsylvania September 2023
"Tim was always receptive to calls no matter the time. As first time homebuyers we had a lot of questions and he and his team were there every step of the way helping us and making sure every aspect was there and always kept us in the loop. We reached out to him for this home and his team hopped on to help immediately. Our next home will be financed through the team. "
Buying - Rosedale, Maryland October 2023
"Tim and his team are everything we have ever wanted in a lender. We are new to the area and he walked us through every step with compassion and understanding. His team was also very effective in communication and were always ready and able to answer all of my questions. You guys have a customer for life! Thank you again for everything! "
Buying - Gambrills, Maryland April 2024

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