Hard Money Lenders Maryland

Fast Maryland Hard Money Loans
Ready to close in less than a week

  • Interest rates 10 – 12.75%
  • Credit score 650+
  • Loan-to-Cost Up to 90%
  • No income verification
  • Get approved online in 5 minutes
  • Instant proof of funds letter
  • Interest only payments
Get Approved Online
Maryland Image

Need financing for your upcoming real estate project? Get approved for a hard money loan in 5 minutes using our online application

Need funding fast? Look no further than New Silver. New Silver has the perfect selection hard money loans for property investors in Maryland.

New Silver has a variety of different hard money loan products available to suit the needs of any real estate investor. Run by a team of experienced real estate professionals, our loans are ideal for real estate investors in Maryland.

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Loan Programs


Fix & Flip

For house flippers hoping to purchase a fixer upper to renovate and resell in Maryland. Interest rates from 10 – 12.75%, Loan-To-Cost up to 90%, with loan terms up to up to 24 months. Hard Money Refinance Loans also available.

  • Get up to $5,000,000
  • Interest rate 10 – 12.75%
  • Origination fee from 1.375%
  • Up to 100% construction
  • More info
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30-year rental loans for stabilized rental properties. Ideal for investors hoping to acquire an investment property. Interest rates from 7.5, loan-to-purchase price up to 80%. Built for buy and hold investors that purchase rental properties.

  • Get up to $3,000,000
  • Interest rate 7.5
  • Origination fee 2-3%
  • 30-year fixed rate
  • More info
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Ground Up

Designed for residential builders, our ground up construction loans can finance up to 90% Loan-to-Cost (LTC). Interest Rates from 10 to 13.25%

The perfect solution for builders in Maryland that need quick access to capital to fund construction costs.

  • Get up to $5,000,000
  • Interest rate 10 - 13.25%
  • Origination fee from 1.375%
  • Up to up to 24 months
  • More info
Get Approved Online

Fast Closing Hard Money Loans In Maryland

Getting a traditional loan is a slow, drawn-out and exhausting process. At New Silver, our hard money loans are designed for real estate investors that value speed, efficiency and transparency. Offering house fix-and-flip, fix-to-rent and cash out refinance loans, our team of experienced real estate experts are available to get you capital and assist you with any hiccups that may come up along the way.

New Silver is one of the best Maryland Hard Money Lenders. As licensed real estate investment professionals, we know what real estate investors need: quick and easy online applications, terms of up to twenty-four months and most of all, fast loan closing and attractive rates. At New Silver, we specialize in hard money loans for single-family residential, but we can also cater to multi-family and commercial real estate projects. Contact our Maryland hard money lending team today to find the best loan fit for your next real estate project.

Ultimately, if you need fast closing hard money loan from of the best Maryland hard money lenders,  New Silver is the perfect partner for you.

New Silver lends in these cities:

  • Aspen Hill
  • Baltimore
  • Bel Air South
  • Bethesda
  • Bowie
  • Catonsville
  • Columbia
  • Dundalk
  • Ellicott City
  • Essex
  • Frederick
  • Gaithersburg
  • Germantown
  • Glen Burnie
  • Hagerstown
  • North Bethesda
  • Odenton
  • Potomac
  • Rockville
  • Severn
  • Silver Spring
  • Towson
  • Waldorf
  • Wheaton

Maryland Housing Market Overview

Average Home Value


1-Year Home Appreciation


2 Bedroom Rent


Average 4 Bedroom Rent


Homes In Maryland Are Worth More Than The US Average The average home value in the US is approximately $328,745, while the average home value in Maryland is $382,154. This is a difference of about $53,400.

Higher home values can be advantageous for house flippers, because it increases the potential gross profit that an investor can make when executing a fix-and-flip deal. Provided you are able to identify a poorly maintained home with plenty of potential, there is every reason to consider buying an investment property in Maryland. The competition isn’t quite as high as other states in the US, and home values have been increasing steadily year-on-year since 2015.

Properties Have Only Appreciated By 3.8% Over The Last Year: One slight concern with the Maryland housing market is that homes have only appreciated by 3.8% over the last 12 months. This is considerably lower than the US average of 8.7%.

One of the main issues is that the US real estate market is starting to flatten out after 3 years of intense growth driven by the under supply conditions of the covid-19 pandemic.

Median Home Price by MSA

MSA Name Median Home Price 1-Year Appreciation 3-Year Appreciation
Baltimore $390,600 5.5% 24.6%
Cumberland $136,600 -4.5% 29.7%
Hagerstown $275,500 8.6% 41.2%

Maryland Real Estate Market Analysis

Baltimore Is Best For Equity Growth: The Median house price in Baltimore is $390,600. This is more than double the median price in Cumberland ($136,600) and $115,000 more than the median house price in Hagerstown.

Based on these data points, investing in Baltimore could be a great play for long term rental investing, especially if you are focused on growing the equity of your investment property.

Hagerstown Is A Hot Market: Of the major metropolitan areas in Maryland, Hagerstown is currently experiencing the best period of growth. The 1-year appreciation rate is 8.6%, while the 3-year appreciation rate is 41.2%. Both of these metrics are notably better than the respective figures in Baltimore and Cumberland.

Steer Clear of Cumberland: If there is a market in Maryland to avoid at this moment in time, it is almost certainly Cumberland. The median home price is only $136,600, which leaves for little room for profit margin if you are a house flipper.

In addition, the median house price has decreased by 4.5% over the last year, which is bad news for long term property investors. In other words, the market conditions in Cumberland don’t cater to house flippers or buy-and-hold investors at this particular moment in time.

Maryland Real Estate Investor Associations

Reasons to Fund Your Investment Property with New Silver

It doesn’t matter if you are a buy and hold investor, a house flipping specialist or a real estate developer. New Silver is one of the highest-rated hard money lenders in Maryland with a selection of real estate loans perfectly matched to meet your real estate investing needs. Unlike a conventional mortgage which can take ages to complete, our hard money loans can be approved online in less than 5 minutes, with an instant proof of funds letter to help you secure the purchase. We are ready to help you solve your real estate investment needs, with extremely fast hard money lending solutions.

Frequently Asked Questions

Yes. New Silver is a private lender that offers short term loan products for house flipping projects, but we also have 30 year rental property loans for investment properties. We also cater to real estate entrepreneurs hoping to build multi-family apartments with our new construction loans.

Yes, New Silver is a private money lender that provides asset-based loans at scale. With asset-based lending, the underwriting process can be more lenient than conventional lenders. This is because the underlying value of the asset is more important than the financial background of the investor when setting the terms of a private money loan.

As a result, the financing and credit score requirements of private hard money lenders are less stringent, income verification is not needed and the debt-to-income ratio of the borrower doesn’t matter. Plus, we can get you approved and closed with a private money loan within 7 days.

Yes. We offer ground-up construction loans for real estate developers that build single family (1-4 unit) residential properties.

The main reason hard money loans have higher interest rates than traditional loans is because of the risks involved in the transaction. Unlike a residential home purchase, a fix and flip project could run over budget or the real estate market could take a turn for the worse, making the property difficult to sell quickly.

In other words, you could potentially lose money with a fix and flip. This risk is applicable to the borrower and the lender. The higher interest rate compensates for this risk, which most conventional lenders are unwilling to take on. Hard money lenders effectively fill the gap, using an asset based lending model to fund real estate deals.

The origination fee (loan points) for fix and flip loans is usually between 2-3%, but this varies with each deal and the hard money lender you choose to work with. To calculate the expected monthly payments of a hard money loan, it is best to use our hard money loan calculator.

On this point, it is also worth noting that the monthly payment of all New Silver hard money loans work on interest only payments. This helps reduce the cash flow burdens of Maryland real estate investors while the project is underway. Interest only payments are one of the best benefits that you can unlock by working with a reputable hard money lender like New Silver.

In short, yes. While the credit requirements of a hard money loan are not as stringent as a traditional lender, we do review the credit history of all our borrowers. If you’re worried about bad credit, it is best to look at our hard money loans product page to see if New Silver is a good fit for your needs.

You should find that our interest rates are lower than other private money lenders in Maryland. In addition, we don’t require income verification during the credit history check.

  1. House Flipping Loan – Designed for house flippers
  2. Rental Property Loan – 30 year loan for investment properties
  3. Construction Loan – For new residential building projects
  4. Personal Loan – Private loans for whatever you need

Right now, we do not specialize in commercial hard money loans. With that being said, our maximum loan amount should be big enough to cover both residential and commercial projects.

New Silver is one of the top hard money lenders in Maryland and we can fund projects ranging from 1 to 50 units. In addition, if you are hoping to purchase a commercial building that exceeds 50 units, we can connect you with one of our partners in order to get the capital you need to execute the deal.

Yes. Our fix and flip loans can act as a bridge loan for real estate investors with a loan term ranging from 6 to 24 months in duration. More information can be found on the loan product page, together with the maximum loan amounts available.

It is also worth confirming that a hard money loan is effectively a bridge loan, but with the express purpose of helping real estate investors flip houses.

Where We Lend

Hard Money Loans Across The US

Apply for a loan at New Silver today!

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