Maryland mortgages made easy*
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Speak to a Maryland
Mortgage Specialist.
Call (410) 499-5446
Mortgage Specialist.
Call (410) 499-
Maryland Mortgage Learning Center.
2. Connect with a loan officer
3. See the financing options that are available for your mortgage needs!
1. Complete the online quote form
The quote request process is simple!
Wether you are first time home buyer or a borrower looking to
refinance your Maryland mortgage it is important to keep up-to-date
with what is going on within the Maryland mortgage industry.
We provide regular updates on the markets
and available average mortgage rate
information from our MarylandLending.com
homepage.
This section is designed to educate you and
give you some details about mortgages
available within Maryland.
We cover loan limits and loan types available.
refinance your Maryland mortgage it is important to keep up-
We provide regular updates on the markets
and available average mortgage rate
information from our MarylandLending.com
homepage.
This section is designed to educate you and
give you some details about mortgages
available within Maryland.
We cover loan limits and loan types available.
This section is dedicated to Maryland Mortgages and
is designed to assist borrowers with general information
about loans, rates and limits to Maryland Home loans.
is designed to assist borrowers with general information
about loans, rates and limits to Maryland Home loans.
30 year
15 year
10 year
1 year ARM
3 year ARM
5 year ARM
7 year ARM
10 year ARM
15 year
10 year
1 year ARM
3 year ARM
5 year ARM
7 year ARM
10 year ARM
Common Terms
Conventional Maryland Mortgage
Limits from 2010 broken down by
Maryland counties and Cities:
Allegany $417,000
Anne Arundel $560,000
Baltimore County $560,000
Calvert $729,750
Caroline $417,000
Carroll $560,000
Cecil $420,000
Charles $729,750
Dorchester $417,000
Frederick $729,750
Garrett $437,500
Harford $560,000
Howard $560,000
Kent $417,000
Montgomery$729,750
Prince George’s $729,750
Queen Ann’s $560,000
St. Mary’s $417,000
Somerset $417,000
Talbot $443,750
Washington $417,000
Wicomico $417,000
Worchester $437,500
Baltimore City $560,000
Limits from 2010 broken down by
Maryland counties and Cities:
Allegany $417,000
Anne Arundel $560,000
Baltimore County $560,000
Calvert $729,750
Caroline $417,000
Carroll $560,000
Cecil $420,000
Charles $729,750
Dorchester $417,000
Frederick $729,750
Garrett $437,500
Harford $560,000
Howard $560,000
Kent $417,000
Montgomery$729,750
Prince George’s $729,750
Queen Ann’s $560,000
St. Mary’s $417,000
Somerset $417,000
Talbot $443,750
Washington $417,000
Wicomico $417,000
Worchester $437,500
Baltimore City $560,000
Maryland 2011 FHA Mortgage Loan
Limit broken down by Maryland
Counties and Cities
Allegany $271,050
Anne Arundel $560,000
Baltimore $560,000
Baltimore City $560,000
Calvert $729,750
Caroline $271,050
Carroll $560,000
Cecil $420,000
Charles $729,750
Dorchester $271,050
Frederick $729,750
Garrett $437,500
Harford $560,000
Howard $560,000
Kent $343,750
Montgomery $729,750
Prince George's $729,750
Queen Anne's $560,000
St. Mary's $400,000
Somerset $328,750
Talbot $443,750
Washington $377,500
Wicomico $328,750
Worcester $437,500
Limit broken down by Maryland
Counties and Cities
Allegany $271,050
Anne Arundel $560,000
Baltimore $560,000
Baltimore City $560,000
Calvert $729,750
Caroline $271,050
Carroll $560,000
Cecil $420,000
Charles $729,750
Dorchester $271,050
Frederick $729,750
Garrett $437,500
Harford $560,000
Howard $560,000
Kent $343,750
Montgomery $729,750
Prince George's $729,750
Queen Anne's $560,000
St. Mary's $400,000
Somerset $328,750
Talbot $443,750
Washington $377,500
Wicomico $328,750
Worcester $437,500
Please Note - We strive to keep the information on this site up-to-date but that is not always possible It is important that you consult a licensed
Maryland mortgage loan officer for accurate information regarding your specific mortgage situation. Utilize this site as a tool but not as an
absolute statement of rules and guidelines for mortgage loans. Please review our privacy policy and user agreement.
absolute statement of rules and guidelines for mortgage loans. Please review our privacy policy and user agreement.
As a first time home buyer in Maryland you establish how much you can afford by utilizing
the mortgage calculators and then verify your maximum loan limit using the charts above
for your specific Maryland location.
Now you need to determine your down payment amount.
If you plan on using 20% of the purchase price as your initial down payment you should
consider a conventional purchase mortgage
If you determine that a 3% down payment is more viable for you then you may consider
using a FHA mortgage.
Now you need to collect the documents required to qualify for a Maryland Mortgage.
These pieces of information are needed by the lender in order to help determine your
ability to financially qualify for a mortgage in Maryland. Review the specific documents
needed for a purchase mortgage at our Maryland purchase mortgage learning center.
Once you determine your documentation, loan amount and loan type desire for
purchasing a home in Maryland, it is a good idea to review your credit score. Typically,
a score of 620 or higher is preferred for borrowers whom wish to receive a home loan
in Maryland.
the mortgage calculators and then verify your maximum loan limit using the charts above
for your specific Maryland location.
Now you need to determine your down payment amount.
If you plan on using 20% of the purchase price as your initial down payment you should
consider a conventional purchase mortgage
If you determine that a 3% down payment is more viable for you then you may consider
using a FHA mortgage.
Now you need to collect the documents required to qualify for a Maryland Mortgage.
These pieces of information are needed by the lender in order to help determine your
ability to financially qualify for a mortgage in Maryland. Review the specific documents
needed for a purchase mortgage at our Maryland purchase mortgage learning center.
Once you determine your documentation, loan amount and loan type desire for
purchasing a home in Maryland, it is a good idea to review your credit score. Typically,
a score of 620 or higher is preferred for borrowers whom wish to receive a home loan
in Maryland.
Now that you have covered there steps you are ready to request rate quotes for a
Maryland purchase mortgage.
Maryland purchase mortgage.
If you are a current home owner and you desire to refinance you Maryland mortgage you
should review tour income information. You can see the documents that Maryland
Mortgages typically require at our refinance Maryland mortgage learning center.
Now you need to determine wether you have equity within your home. Equity is the
difference between you Maryland’s home current value and the amount you owe on
you home.
A simple calculation can help. Take the current amount you owe and divide it by
the Maryland market value of your home .
Example:
Current Maryland mortgage balance owed $195,000
Divided by
Maryland property value $300,000
This equals a and LTV of 65%. Typically, in Maryland, Mortgage lenders will refinance
a loan up to 80% LTV. The 80% LTV limit is guideline but it can change based on certain
situations. You should get a quote from a local Maryland mortgage loan officer to what
LTV is available for you.
Once you determine your documentation, loan amount and loan type desire for
refinancing your home in Maryland, it is a good idea to review your credit score.
Typically, a score of 620 or higher is preferred for borrowers whom wish to receive a
home loan in Maryland.
should review tour income information. You can see the documents that Maryland
Mortgages typically require at our refinance Maryland mortgage learning center.
Now you need to determine wether you have equity within your home. Equity is the
difference between you Maryland’s home current value and the amount you owe on
you home.
A simple calculation can help. Take the current amount you owe and divide it by
the Maryland market value of your home .
Example:
Current Maryland mortgage balance owed $195,000
Divided by
Maryland property value $300,000
This equals a and LTV of 65%. Typically, in Maryland, Mortgage lenders will refinance
a loan up to 80% LTV. The 80% LTV limit is guideline but it can change based on certain
situations. You should get a quote from a local Maryland mortgage loan officer to what
LTV is available for you.
Once you determine your documentation, loan amount and loan type desire for
refinancing your home in Maryland, it is a good idea to review your credit score.
Typically, a score of 620 or higher is preferred for borrowers whom wish to receive a
home loan in Maryland.
Now that you have covered there steps you are ready to request rate quotes for a
Maryland refinance mortgage.
Maryland refinance mortgage.
Many home buyers search for Maryland mortgages and are not sure were to begin. If
you visit our How much can I afford mortgage calculator page you can determine a
general loan amount you can qualify for you based on your income and down payment
available. Once you determine your loan amount you should review the general loan
limits within Maryland. This will help you determine what price point of a house you
can afford.
A standard Maryland Conventional and Maryland FHA mortgage loan limits are broken
down below:
you visit our How much can I afford mortgage calculator page you can determine a
general loan amount you can qualify for you based on your income and down payment
available. Once you determine your loan amount you should review the general loan
limits within Maryland. This will help you determine what price point of a house you
can afford.
A standard Maryland Conventional and Maryland FHA mortgage loan limits are broken
down below:
