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Find the Best Mortgage Lenders in Baltimore, MD

While a loss of industrial jobs slowed progress in Baltimore, the city is back on the rise. For residents looking to buy a home in the city’s growing real estate market, finding a reliable mortgage lender to help purchase your dream home is the first step. We researched the best mortgage lenders in Baltimore to guide your decision.

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    Overall satisfaction rating
    • USDA loans
    • Online home buying guide
    • Mortgage calculator
    • Available in Baltimore

    Learn about your home loan options!

    (866) 815-0655 Read More
    Overall satisfaction rating
    • FHA loans
    • Online prequalification
    • VA loan plans
    • Available in Baltimore

    This direct lender is a division of Bank of Oklahoma Financial. It uses the latest technology like an online automated application system to help clients get the money and information they need as efficiently as possible.

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    Federal Hill Mortgage
    • Stated income loans
    • Jumbo purchase loans
    • Fix & flip loans
    • Conventional loans
    904 Light St.
    Baltimore, MD 21230
    (800) 551-9198
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    Coastal Lending Group
    • Reverse mortgages
    • Online rate comparison
    • Adjustable mortgage
    • 203(k) loans
    3600 O'Donnell St., Ste. 1F
    Baltimore, MD 21224
    (410) 404-4875
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    Secured Funding Corporation
    • M-F: 9am - 5pm
    • Closed Sat and Sun
    • securedfundingcorporation.com
    3500 Boston St.
    Baltimore, MD 21224
    (443) 885-0060
    TJC Mortgage
    • M-F: 8am - 7pm
    • Closed Sat and Sun
    • mainstreetlenders.com/baltimore-md-mortgages
    300 E Lombard St.
    Baltimore, MD 21202
    (410) 261-4888
    Equity Mortgage Lending
    • M-F: 8am - 5pm
    • Sat: 8am - 1pm
    • Closed Sun
    • equitymortgagelending.com
    66 Painters Mill Rd., Ste. 202
    Owings Mills, MD 21117
    (410) 321-7800
    Bayshore Mortgage
    • M-F: 9am - 8pm
    • Sat: 9am - 6:30pm
    • Closed Sun
    • bsmfunding.com
    1920 Greenspring Dr., Ste. 140
    Timonium, MD 21093
    (410) 882-1777
    Trius Lending
    • M-F: 8am - 6pm
    • Closed Sat and Sun
    • triuslendingpartners.com
    6960 Aviation Blvd., Ste. E
    Glen Burnie, MD 21061
    (410) 766-8850
    Academy Mortgage Corporation
    • M-F: 8:30am - 5:30pm
    • Closed Sat and Sun
    • academymortgage.com/branch/glenburnie
    15 Sudbrook Ln.
    Baltimore, MD 21208
    (443) 898-4090
    Residential Mortgage Services
    • M-F: 8am - 7pm
    • Closed Sat and Sun
    • rmsmortgage.com
    6300 Blair Hill Ln., Ste. 302
    Baltimore, MD 21209
    (443) 921-2400

    How to choose a mortgage lender in Baltimore

    Baltimore Skyline

    It’s an ideal time to buy a home in Baltimore—rent is steadily increasing, and there are many houses on the market. Housing prices are still lower than the national average, but they have been rising for a few years and are attracting the attention of investors worldwide.

    The median home price has increased by 33 percent in the last two years. Market experts predict housing values will continue to rise by at least 10 percent in 2019, which makes purchasing a house in Baltimore an excellent investment. An increase in area healthcare, life sciences and cybersecurity businesses joining the steady economic support from the Port of Baltimore bodes well for the city’s growth.

    The median home value in Baltimore is $170,119. However, in the city’s most popular neighborhoods, like Federal Hill, Guilford and Charles Village, houses are going for twice that. When it comes to return on investment, single-family homes offer the best value, but investors are keeping a keen eye on area townhomes, which have seen an 11.3 percent increase in value during the past year.

    Best neighborhoods to purchase property in Baltimore

    Up-and-coming neighborhoods with quality housing at affordable prices have the best potential for value growth. The most well-known of these neighborhoods is Hampden, which has a median home value of $234,500, a number that is continuing to rise.

    Some of the best neighborhoods for first-time buyers are:

    • Glen
    • Waverly
    • Hollins Market
    • Patterson Park

    Affordable hot spots for single professionals and families:

    • Charles Village
    • Brewer’s Hill
    • Butcher’s Hill

    For the lowest home prices in up-and-coming neighborhoods, check out Glen, Waverly and Hollins Market. The more expensive Charles Village and Brewer’s Hill neighborhoods are also on the rise. Millennials and young professionals alike love the nightlife, culture, restaurants, shopping and history in these neighborhoods.

    Home prices in Patterson Park are a little higher, but residents love this safe, friendly and diverse community, which is nestled next to a 155-acre city park and within walking distance of nightlife, restaurants and cultural activities. With all the new jobs in surrounding areas, it’s only a matter of time before everyone discovers this hidden jewel.

    Butcher’s Hill is also popular among young families who are choosing to trade the city’s nightlife for parks, community and architectural beauty.

    With more than 200 neighborhoods in Baltimore proper and dozens of hip enclaves, it’s tempting to dive head-first into the search for your new home, but don’t start the search for your dream home just yet.

    Finding the right mortgage in Baltimore

    If you’re serious about purchasing a home, the first thing you need to do is check your credit score, then get pre-approved for a mortgage. There are a variety of mortgages and housing programs available to Baltimore residents.

    Mortgage companies in Baltimore have a variety of options for homebuyers, including:

    • Conventional loans: The most common type of loan, conventional loans may require higher credit scores and larger down payments than other options. Conventional loans can either be fixed-rate or variable-rate loans.
    • FHA loans: The Federal Housing Administration backs these loans. Homebuyers with lower credit scores may qualify for these loans, but the loan does require mortgage insurance.
    • FHA 203(k) loan: These loans are also backed by the Federal Housing Administration but are intended for use on homes that require renovation. They allow you to put the purchase and renovation cost of your home into one loan.
    • HUD loans: These loans are backed by the Department of Housing and Urban Development and can be a good option for people with lower incomes.
    • VA loans: VA loans are low-cost loans that have no down payment. They’re offered to veterans, members of the armed forces and surviving spouses by the Department of Veterans Affairs.

    The home you choose and your situation will determine which type of mortgage will work best for you. Your mortgage lender will work with you to find the right loan to take advantage of Baltimore’s housing market and avoid skyrocketing rent for good.

    Mortgage Lenders Reviews


    AmeriSave offers online quotes in seconds, giving you multiple loan options with no hidden fees. The company also protects your privacy by providing your quote without requiring contact information. Baltimore customers say AmeriSave’s staff is helpful and patient, and many say they saved money by working with the lender.

    AmeriSave (866) 815-0655


    HomeDirect assigns each customer a mortgage banker dedicated to assisting them through every step of the mortgage process from application to loan servicing. The company is a division of BOK Financial and offers cutting-edge technology and low rates. Baltimore homebuyers rate HomeDirect highly for its easy application process.


    Federal Hill Mortgage

    Federal Hill Mortgage is a one-stop shop for prospective homebuyers, providing both mortgage loans and financial advice on questions like how much you can afford to spend on a home. Baltimore customers say the service at Federal Hill Mortgage is exceptional, making every aspect of the home buying process enjoyable and easy.

    Federal Hill Mortgage

    Coastal Lending Group

    Coastal Lending Group takes a common sense approach to mortgage loans to help customers get the best mortgages possible and save time, money and hassle along the way. Customers in Baltimore appreciate the individualized care they received from Coastal Lending Group and say the employees are dedicated and helpful.

    Coastal Lending Group