The Hard Money Lender
Maryland Investors
Keep Coming Back To
No last-minute term changes. No missed closings. No runaround.
4,000+ loans funded · 19 years in business · 70% repeat borrower rate.
As Featured In
Why Maryland Investors Choose Us
If the Lowest Rate Is Your Only Priority,
We'll Tell You That Upfront.
We're not the cheapest hard money lender in Maryland. National lenders like Kiavi or Lima One may quote you a lower rate.
What they can't promise is that the number on your term sheet is the number at your closing.
We fund every loan from our own balance sheet — no capital partners who can back out three days before settlement, no third-party appraisals that blow up your timeline, no loan officer who's never seen a flip reading terms off a rate sheet.
When we commit, we close. That's the only reason 70% of our borrowers call us back.
"The HMB team were great to work with throughout the whole process. I would recommend their company to anyone looking for a lender that can help you close a deal quickly and efficiently. Looking forward to working with them again."
— Donald Robinson
The Long Game
By Deal 3, You're Not Starting Over.
We Already Know Your Business.
Faster Underwriting
We've seen how you evaluate deals. By your second and third loan, we know your playbook — and the process reflects that.
Less Documentation
Every deal we fund together is one fewer to verify from scratch. The paperwork gets lighter over time.
More Flexibility
Cross-collateralization, bridge financing, multiple properties at once — complex deals that most lenders simply can't do.
A Team That Answers
Dave and the team are reachable by phone and text. Not through a portal. Not by ticket. Call them directly.
"Working with Dave and Teri was sincerely a great pleasure. They cared for my needs not only professionally and efficiently, but also understood my timelines and the importance it all meant to me. I had timelines and they made sure they were met. I would earnestly recommend them to anyone without hesitation. 1st Class."
— Marc Mintz
Real Deals. Real Borrowers.
What Maryland Investors Say
After the Closing Table
"Dave and his team went above and beyond to help us close a deal in less than 48 hours after we had issues with our previous hard money lender. We cannot thank them enough. Dave was informative and always just a phone call or text away. Will definitely be working with them in the future — 100,000% recommend."
Linda Liang
Virginia
"Dave responded within 30 minutes of me hitting the 'send' button. He was VERY informative on what needed to be done to complete the transaction. Your expeditious, informative response was greatly appreciated."
Al Stith
Alexandria, VA
"Dave Bauer was straight forward from the start. Teri and the team were diligent and flexible in resolving issues. We got it done. Look forward to working with them again on future projects."
Filipe Dias
"The process was smooth and professional. The communication worked seamlessly and was easy to use. I would highly recommend Hard Money Bankers. The turn-around time can't be beat, especially when timing is of the utmost importance."
Sherri Harris
The Process
Three Steps. No Surprises.
Call or Schedule
Tell us about the deal. We'll give you a same-day term sheet. No obligation, no runaround. Need to close fast? Say so — we'll tell you immediately whether we can make it happen.
We Evaluate the Property
No third-party appraisal. We pull our own comps and know Maryland values. Entirely in-house — no outside committee, no delays waiting on a vendor to schedule a site visit.
Close When Title Is Ready
As fast as one business day. The terms on your term sheet are the terms at closing — not approximately, not subject to a final review. Those terms.
We've been lending in Maryland since 2007. We know the neighborhoods, the ARVs, and what a fundable deal looks like. Our job is to get you to the closing table — not to find reasons to stall.
Questions Active Flippers Ask Us
Straight Answers. No Runaround.
Yes. Call us directly: 240-896-4370. We issue same-day term sheets and can close in as little as one business day once title work is ready. If your current lender has backed out or stalled, that's a scenario we handle regularly — about 20% of our monthly volume is exactly this situation.
National lenders sell their loans on the secondary market — which forces third-party appraisals, rigid underwriting boxes, and capital partners who can pull out before your closing. We fund entirely from our own balance sheet. No outside capital, no appraisal requirement, no committee. What's on your term sheet is what's at your closing table.
We're a collateral-based lender. Deal quality matters more than your credit score. We use what we call the 4 C's — Collateral, Character, Capacity, Credit — with collateral doing about 95% of the work. Imperfect credit is not a dealbreaker.
Our loans are interest-only, typically at 13% with 3 points, on 12-month terms (extendable). We lend up to 70% LTV on single-family residential. We're not the cheapest option — we're priced to deliver certainty. The rate on day one is the rate at closing.
No. We do our own in-house property evaluation using local comparables and, when needed, a property visit. This is a major reason we can close fast — we're not waiting on a third-party vendor to schedule and deliver a report that can derail your timeline.
Extensions are available. We're not looking for reasons to call a loan — a successful exit is good for both of us. If your timeline shifts, talk to us early and we'll work through it together.
Yes. By deal two or three, we know how you evaluate properties, how you manage rehabs, and what structures work for you. That means faster underwriting, less documentation, and more flexibility on complex deals. 70% of our borrowers come back. There's a reason for that.
Get Started
Not Ready to Call? Schedule a Time.
Pick a time that works for you. A member of our Maryland team will reach out to talk through your deal — no pressure, no runaround.
Most of Our Borrowers Called Once
and Kept Calling.
Start with one deal. We've been in Maryland since 2007 — we're not going anywhere.