Maryland's Most Trusted Hard Money Lenders

We provide fast, reliable financing solutions for real estate investors.

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Our Hard Money Loan Programs

Fix & Flip Loans

Ideal for investors aiming to purchase, renovate, and resell properties for profit.

Fix & Hold Loans

Designed for investors looking to acquire and renovate rental properties to build long-term wealth.

Bridge Loans

Short-term financing for gaps between transactions or to quickly seize investment opportunities.

Non-Recourse Loans

Suitable for self-directed IRA investors seeking to leverage real estate investments without personal guarantees.

Commercial Loans

Limited document, short-term funding on most commercial asset types in Maryland and surrounding areas.

Multi-Family Loans

Fast turnaround and limited document funding on both vacant and occupied multi-family investment properties.

TESTIMONIALS

What Our Clients Are Saying

"Great lender to work with on a flip. I also love their educational stuff and networking opportunities as a client. Very helpful for new investors and old!"

Joseph

Baltimore, MD

"We've used HMB for several real estate purchases. They listened to my specific needs and understood the importance of our transactional deadlines. I highly recommend them."

Vipin

Rockville, MD

"The folks at HMB are great! They were able to approve the loan, complete the closing within a tight time-frame, and disburse the escrow funds promptly."

Greg

Howard County, MD

Hard Money FAQs

What credit score do I need for a hard money loan?

Hard money lenders have no minimum credit score because they focus more on property value and overall real estate projects.

Although borrowers with lower scores may still qualify for a loan, you can expect higher rates and larger down payments if credit is low.

How hard is it to get a hard money loan in Maryland?

Getting a hard money loan in Maryland is relatively easy compared to traditional financing since the approval process is based more on the property’s value or viability of the overall project than credit and income history.

Most lenders will require down payment funds, a clear exit strategy to repay the loan, and typically have higher interest rates than banks (e.g., 12-14%). The approval process and overall transaction are usually much faster than a bank (ex.. a few days instead of a few weeks)

How do I find a hard money lender in Maryland?

When choosing a hard money lender in Maryland, compare their reputation, location, and loan terms. Referrals from other investors are a great way to find hard money lenders or private lenders.

Most lenders attend real estate investor groups. Including the Real Estate Investing Incubator Meetup Group. Mortgage Brokers also work with direct lenders, Real Estate Agents, and Title Companies.

How quickly can I get a hard money loan in Maryland?

One of the greatest things about a hard money loan is the speed at which you can get one. Approvals typically happen within 24 hours, and settlements can occur in less than a week. Many loans we close are within a few business days.

However, remember that the lender has due diligence and underwriting to conduct depending on the overall project. This may include property inspections, ordering and inspecting title work, and drafting lender documents.

Depending on the circumstances, this could take anywhere from a few hours to a week, but in a rush situation, we can speed up the process to accommodate you.

How much down payment do I need for a hard money loan?

The down payment for hard money lenders typically ranges from 10% to 40% of the property’s purchase price. The exact amount depends on the overall project, the borrower’s creditworthiness, experience, and overall property value.

Hard money lenders focus more on the overall project than the borrower’s credit history.

What is the average interest rate on a hard money loan?

The average interest rate for Maryland hard money lenders typically ranges between 12% and 15%, depending on the loan-to-value (LTV) ratio, down payment amount, borrower’s experience, credit scores, and market conditions.

These rates are higher than banks or traditional lenders because hard money loans are short-term and funded with private capital.

Why HMB?

We're Local: Decades of experience in Maryland and headquartered in Columbia since 2007.
Truly Private: Actual private capital that can close loans fast. Often in as little as one day.
We Move Fast: In-house underwriting and quick decision-making.
We're Flexible: And we're easy to work with.
Our Process: No appraisals. No tax returns and no red tape.
Our Experience: Funded over 4000 loans for thousands of local real estate investors.

Hard Money 101

Deal or No Deal? Should I Buy This Property?

Do your due diligence and be disciplined when investing in real estate. Stick to 65% LTV, accounting for all costs, and target a 20% profit, will increase your chances of success and mitigate potential risks in the flipping market.

How To Get A Hard Money Loan with Jason Balin

Jason explains what a hard money loan is, who hard money lenders are, and how they underwrite loans, emphasizing the accessibility of these loans for real estate investors even for those with less-than-perfect credit or limited cash.

How to Get A Private Commercial Loan

Understanding private lenders’ valuation methods, risk tolerances, and due diligence requirements can help investors secure funding for commercial projects that may not qualify for a conventional commercial bank loan.