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Alicia Harkowa - Certified Down Payment Grant Provider

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As an experienced loan officer of going on 18+ years I available to guide your clients through one of the most important decisions of their life. Let's face it, besides marriage and the birth of our children, home buying ranks up there with them as "life" changers. Whether they are purchasing their first home, an investment home, refinancing or just need mortgage advice, I can help.


When you are sending your client to me, you can assure that they are being preapproved the correct way. Letters from me mean that clients have been credit, income and asset approved, they have also been run through automated underwriting to assure that letter is good. If your client isn't quite credit ready I 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 in the loop the entire process using our mobile app, you will never have to worry about wondering what is going on.


We are participating in USDA, FHA, VA, Conventional, Homer Ready & Home Possible, FHLB Grant, CDA. With in-house processing and underwriting we get your loans done quickly. 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 myself can help you with your business.


Main Street Home Loans is a Division of NFM, Inc. dba NFM lending, NFM NMLS 2893. NFM Lending is a full-service direct lender.

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