Education Committee

What we Do

The Education committee's goals are to help provide relevent information to the industry and partner with our member companies to help provide oppurtunities for all members.  

  • Focusing on training individuals that are new to the industry
  • Trying to partner with other industry organizations to provide our members with different perspectives and knowledge that they wouldn’t be exposed to working in their office daily
  • As the industry changes, providing timely education opportunities that allow our members to navigate changes smoothly and efficiently  
  • Help everyone complete required Continuing Education in an affordable and fun manner

Upcoming Events

Education Committee

Malcolm Hollensteinsteiner, CMB, Chair
Sandy Spring Bank
[email protected]
Charlie Maykrantz, Co-Chair
Severn Bank
[email protected]
Kait Spurrier, Co-Chair
Apex Home Loans
[email protected]
Scott Phillips, Co-Chair
Embrace Home Loans
[email protected]


Malcolm Hollensteiner, CMB, has over 25 years of mortgage banking industry experience with both national and regional entities. He currently is Head of Mortgage Production at Sandy Spring Bank. Malcolm has been actively  involved with industry associations including serving as President of the MBAMW and on the Board of Directors for MMBBA. Charlie Maykrantz is a 36 year veteran of the mortgage industry, having originated all types of residential mortgage loans including Conventional, FHA/VA, Construction- Permanent, Reverse Mortgages and Community Lending Programs. He is an active member of both the Maryland Mortgage Bankers and Brokers Association (MMBBA) and the Greater Baltimore Board of Realtors (GBBR), serving on the Education Committee for the MMBBA as well as the Equal Opportunity Committee for GBBR. Charlie also instructs continuing education classes for realtors at GBBR on topics such as credit, mortgage financing and available mortgage products. He is a graduate of the University of Baltimore with a Bachelor of Science Degree in Business Management and Administration. Kait Spurrier’s goal is to provide every customer with the best possible financial solution to meet their goals while delivering the personal customer service that they deserve. In that spirit, Kait has undergone specialized training in mortgages, cashflow planning, real estate investment, and the tax planning considerations of owning a home! Kait believes your home is your greatest asset, but also your greatest liability, and she wants to provide you with the best solutions to meet your short and long-term financial goals.

Kait grew up in Baltimore County’s Hereford Zone where she played several sports, including lacrosse and track. She graduated from Towson University with a B.S. in Mass Communications with focuses in both Advertising and Public Relations. After college, Kait quickly rose to the Vice President of Marketing for a local startup company that included press experiences with Good Morning America, The Today Show, The Huffington Post, and The Baltimore Sun. After her tenure in that role, she decided to take on a new challenge in the mortgage industry helping others achieve homeownership. Originally specializing in helping Veterans purchase homes all over the country, Kait has since broadened her horizons with just about every loan program available on the market.

In her free time, you can find Kait spending time with her friends and family, boating or crabbing, enjoying a Ravens or Orioles game, trying new restaurants, running, or playing soccer on one of the downtown social leagues.

As a Maryland native with decades of experience in the mortgage industry, Scott is uniquely qualified to help all types of borrowers in the Annapolis area. He has a reputation for being honest, extremely knowledgeable, and genuinely appreciative for the trust homebuyers put in his ability to walk them through the mortgage process.

Scott was born in Montgomery County (Rockville) and currently lives in Howard County (Clarksville) with his wife of more than 20 years, and their two boys. Thankfully, he’s lucky enough to live on three acres because in addition to his human family of four, he has four dogs that are part of the family as well: a Golden Retriever, an Australian Kelpie, and two Shih Tzus. Scott loves being active — he plays basketball three times per week in a couple different leagues, goes paddle boarding in the Atlantic Ocean, and likes doing 20-mile rides on a road bike. 

Keeping with his roots in the Old Line State, Scott attended St. Mary’s College of Maryland and received a B.A. in Economics. He was the Owner and President of Clarksville Mortgage Corporation for 19 years and grew to know and love Embrace Home Loans during that time. He’s a member of the Maryland Mortgage Bankers & Brokers Association (MMBBA) and the Maryland Building Industry Association (MBIA).  

Scott loves having the ability to offer Embrace’s best-in-industry mortgage products to solve problems for his borrowers and referral partners. With a strong builder’s lender background, he enjoys focusing on new construction and values the professionalism and high standards of his team at Embrace.