914-629-1278 Apply Now

Your local mortgage expert, ready when you are.

I'm excited to be part of a team built on a family-first culture, where every voice matters. Whether you're buying your first home or your next one, I'll help you find the right financing — and keep you informed every step of the way.

Licensed in DC, DE, FL, MD, PA, VA

Get Pre-Qualified

No obligation. I'll follow up personally.

Meet Your Loan Officer

21 years in mortgages. One person who'll actually pick up the phone.

  • 21 years in the mortgage industry
  • Branch Manager & VP, leading a team of 13
  • Local roots — Towson & the Timonium area
  • A real person, not a call center
How It Works

Three steps. Zero guesswork.

I'll walk you through each one personally.

Apply Online
Get Approved
Close Your Loan

Apply online

Our focus on technology bridges the gap between online and in-touch. Complete all loan application steps electronically from your preferred location, compliantly and securely.

Plan Ahead

Run your own numbers

Five quick calculators to explore payment, rent-vs-buy, refinancing, loan comparisons, and affordability — then bring your real numbers to me for an accurate quote.

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Total Monthly Payment
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Loan Amount: $—
Principal & Interest$—
Monthly PMI$—
Property Tax$—
HOA Fees$—
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Estimate only. PMI is a simplified estimate based on down payment and credit tier — actual mortgage insurance depends on your loan program and lender.

Rental Assumptions
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Purchase Assumptions
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Buying Could Save You
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over the full loan term
Total cost to rent$—
Net cost to own$—

Estimate only. Net cost to own excludes principal paid down (assumed recovered as home equity) and assumes rent and home value stay flat. Excludes maintenance.

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Loan One
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Loan Two
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Difference Over the Loan Term
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Loan One — Monthly Payment$—
Loan Two — Monthly Payment$—

Estimate only. Principal, interest, and closing costs only — excludes taxes, insurance, and HOA.

Current Loan
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New Loan
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New Estimated Payment
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New Loan Amount: $—
Current Monthly Payment$—
Monthly Savings$—

Estimate only — excludes taxes, insurance, and program-specific fees.

Buyer Information
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Loan Information
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Lending Ratios
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Estimated Purchase Price
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Principal & Interest$—
Property Taxes$—
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Monthly Payment$—

Estimate only — the most restrictive of your loan-to-value, housing, and debt-to-income ratios sets your affordability ceiling. Actual approval depends on full underwriting.

The Reviews Are In
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Ready When You Are

Let's talk about your next move.

Whether you're buying your first home, your next home, or refinancing — I'll walk you through your options and keep you informed every step of the way.

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Call or Text914-629-1278
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Emailjwald@mainstreethl.com
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Office1954 Greenspring Dr, Timonium, MD 21093
Get Pre-Qualified →