Maryland Mortgage Services
Expert mortgage broker serving communities across 5 Maryland counties. From luxury DC suburbs in Montgomery County to Chesapeake Bay waterfront in Anne Arundel — all loan programs available including FHA, VA, Jumbo, and 203(k) Renovation loans. Local expertise, competitive rates, and fast pre-approvals statewide.
Browse by County
Explore mortgage services across Maryland's premier counties — from DC's luxury suburbs to Chesapeake Bay waterfront communities.
Montgomery County
20+ communities
Top-ranked schools, DC metro access, and thriving biotech corridor. Bethesda, Rockville, Potomac, Chevy Chase, Germantown.
Median Price Range: $500K - $2M+
Howard County
10+ communities
Consistently ranked among the best places to live in America. Columbia, Ellicott City, Clarksville, and planned communities.
Median Price Range: $450K - $1.5M+
Baltimore County
15+ communities
Diverse suburban communities surrounding Baltimore with excellent value and strong amenities. Towson, Catonsville, Timonium.
Median Price Range: $300K - $900K
Anne Arundel County
15+ communities
State capital region with Chesapeake Bay waterfront living, boating lifestyle, and Naval Academy. Annapolis, Severna Park, Crofton.
Median Price Range: $400K - $1.2M+
Prince George's County
15+ communities
Affordable DC-area living with strong government employment and growing development. Bowie, College Park, Laurel.
Median Price Range: $350K - $700K
Popular Maryland Markets
Explore mortgage services in Maryland's most sought-after communities, from luxury DC suburbs to Chesapeake Bay towns and planned communities.
Bethesda
Montgomery County
Median: $1.1M
Rockville
Montgomery County
Median: $575K
Columbia
Howard County
Median: $475K
Ellicott City
Howard County
Median: $575K
Annapolis
Anne Arundel County
Median: $525K
Silver Spring
Montgomery County
Median: $500K
Towson
Baltimore County
Median: $400K
Germantown
Montgomery County
Median: $425K
Bowie
Prince George's County
Median: $450K
Potomac
Montgomery County
Median: $1.2M
Chevy Chase
Montgomery County
Median: $1.3M
Clarksville
Howard County
Median: $800K
All Loan Programs Available in Maryland
From first-time homebuyers to luxury estate purchases, we offer 14 loan programs to match every budget and scenario across Maryland.
Why Buy a Home in Maryland?
Maryland offers an exceptional combination of career opportunities, top-ranked schools, and diverse lifestyles that make it one of the most desirable places to live on the East Coast. Here's why homebuyers choose the Old Line State:
DC & Baltimore Access
Maryland offers unparalleled access to two major job markets. Montgomery County communities like Bethesda and Silver Spring are just 20-30 minutes from downtown Washington DC via Metro. Baltimore is accessible from Howard and Baltimore Counties in 20-40 minutes. The MARC commuter rail, Metro system, and major highways (I-270, I-95, US-50) provide multiple commute options. Work in the nation's capital while living in Maryland's suburban comfort.
Top-Ranked Schools
Montgomery County Public Schools is one of the highest-performing large school districts in America, with schools in Bethesda, Potomac, and Chevy Chase consistently ranked nationally. Howard County Public Schools in Columbia, Ellicott City, and Clarksville rank among the top districts in Maryland. Anne Arundel County offers strong schools in Severna Park and Annapolis. Maryland invests heavily in education, producing graduates who attend top universities nationwide.
Strong Economy
Maryland's economy is anchored by federal government employment, defense contracting, biotech, cybersecurity, and healthcare. The NIH campus in Bethesda, Fort Meade's NSA headquarters, and the Johns Hopkins network drive high-paying jobs throughout the state. The I-270 Technology Corridor in Montgomery County hosts major biotech and pharmaceutical companies. Government employment provides exceptional job stability, making Maryland one of the most recession-resistant housing markets in the country.
Chesapeake Bay Lifestyle
Anne Arundel County and the Eastern Shore offer iconic Chesapeake Bay waterfront living. Annapolis, the sailing capital of the US, provides world-class boating, seafood, and coastal charm. Waterfront properties range from historic Annapolis townhomes to expansive bay-front estates. Enjoy crabbing, sailing, kayaking, and waterfront dining. Maryland's unique position between the Bay and DC creates a lifestyle that blends professional ambition with coastal relaxation.
High Household Income
Maryland consistently ranks among the top states for median household income, driven by federal employment, defense contracts, and the biotech sector. Howard County and Montgomery County regularly appear among the wealthiest counties in America. This economic strength translates to strong property values, excellent public services, and well-maintained communities. High incomes support robust housing demand, making Maryland real estate a reliable long-term investment.
Cultural Attractions
Maryland residents enjoy world-class museums, performing arts, and historic sites. The Smithsonian museums, Kennedy Center, and National Mall are a short Metro ride from Montgomery County. Baltimore's Inner Harbor, National Aquarium, and Oriole Park at Camden Yards offer urban entertainment. Historic Annapolis and the US Naval Academy provide colonial charm. Diverse dining scenes, farmers markets, festivals, and vibrant downtowns in Bethesda, Silver Spring, and Columbia round out the cultural experience.
Maryland Mortgage FAQs
What counties in Maryland do you serve?
We serve communities across five Maryland counties: Montgomery County (Bethesda, Rockville, Potomac, Chevy Chase, Germantown, Silver Spring), Howard County (Columbia, Ellicott City, Clarksville), Baltimore County (Towson, Catonsville, Timonium), Anne Arundel County (Annapolis, Severna Park, Crofton), and Prince George's County (Bowie, College Park, Laurel). Our coverage spans from luxury DC suburbs to affordable family communities throughout central Maryland.
What loan programs are available in Maryland?
All 14 loan programs are available throughout Maryland: Conventional (3% down), FHA (3.5% down), VA ($0 down for veterans), USDA ($0 down in eligible rural areas), Jumbo (for luxury properties), 203(k) Renovation, HomeReady, Home Possible, Refinance, HELOC, Reverse Mortgage, HomeFundIt, All In One, and HomeStyle Renovation loans. Maryland's proximity to military installations makes VA loans especially popular.
What is the median home price in Maryland?
Maryland home prices vary significantly by county and community. Montgomery County ranges from $500K to $2M+ (Bethesda averages $1.1M, Potomac $1.2M, Chevy Chase $1.3M). Howard County ranges from $450K to $1.5M+ (Ellicott City averages $575K, Clarksville $800K). Baltimore County averages $300K-$900K (Towson $400K). Anne Arundel County ranges from $400K to $1.2M+ (Annapolis averages $525K). Prince George's County offers more affordable options at $350K-$700K.
How long is the commute from Maryland suburbs to Washington DC?
Maryland offers excellent DC commutes via Metro, MARC Train, and major highways. Bethesda and Silver Spring are 20-30 minutes to downtown DC via the Red Line. Rockville and Germantown reach DC in 30-45 minutes via I-270 or Metro. Columbia and Ellicott City offer 35-50 minute commutes via I-95 or the MARC Camden Line. Bowie and Crofton connect via US-50 in 30-45 minutes. Annapolis to DC is typically 45-60 minutes via US-50/I-97.
Are VA loans popular in Maryland?
Yes, VA loans are extremely popular in Maryland due to the state's proximity to major military installations and federal agencies. Fort Meade (Anne Arundel County), the Naval Academy (Annapolis), Joint Base Andrews (Prince George's County), Aberdeen Proving Ground, and the National Institutes of Health (Bethesda) all bring significant veteran and active-duty populations. VA loans offer $0 down payment and no PMI, making them an excellent option for eligible Maryland homebuyers.
What are the best school districts in Maryland?
Maryland has outstanding school districts. Montgomery County Public Schools is one of the largest and highest-performing districts in the nation, with schools in Bethesda, Potomac, and Chevy Chase consistently ranked among the best. Howard County Public Schools ranks among the top in Maryland with excellent schools in Columbia, Ellicott City, and Clarksville. Anne Arundel County offers strong districts in Severna Park and Annapolis. Baltimore County features quality schools in Towson and Timonium.
Do I need a jumbo loan for homes in Bethesda or Potomac?
Many homes in Bethesda (median $1.1M), Potomac ($1.2M), and Chevy Chase ($1.3M) exceed the conforming loan limit and may require jumbo financing. However, Maryland is in a high-cost area, so the conforming loan limit is higher than the national baseline. Jumbo loans typically require 10-20% down, credit scores of 700+, and additional cash reserves. We specialize in jumbo mortgages for Maryland's luxury DC-suburb markets and can help determine the best program for your price range.
What makes Maryland a good place to buy a home?
Maryland offers an exceptional combination of advantages: proximity to both Washington DC and Baltimore job markets, top-ranked school districts (Montgomery County is nationally recognized), a strong economy driven by government, defense, biotech, and cybersecurity sectors, Chesapeake Bay waterfront lifestyle, one of the highest median household incomes in the nation, world-class cultural attractions, diverse housing from affordable suburbs to luxury estates, and strong long-term property appreciation driven by federal employment stability.
Ready to Buy Your Maryland Home?
Get pre-approved today and start your journey to homeownership in Montgomery, Howard, Baltimore, Anne Arundel, or Prince George's County. Expert guidance, competitive rates, and fast approvals across all Maryland communities.
Licensed mortgage broker serving Maryland • NMLS #1577754 • All loan programs available • Fast 24-48 hour pre-approvals