How Much House Can You Afford in Maryland? A Broker’s Honest Answer

The median Maryland household earns about $102,900 a year (source: U.S. Census Bureau, American Community Survey 2024) — the third-highest median household income in the country. At today’s wholesale rates, that income qualifies for roughly a $347,000 home with 10% down in a typical Maryland county. The median Maryland home price is $433,570 (source: Maryland REALTORS®, April 2026 Market Update). The typical Maryland household can afford about 80% of the typical Maryland home — the best affordability ratio in OnPoint’s entire nine-state license footprint.

The rule: in Maryland, your max home price is about 3.4x your gross annual salary with 10% down, no other monthly debts, and today’s wholesale rates in a county outside Baltimore City. With 20% down and clean credit, push it to 4.0x. Maryland’s high median income carries you further than the headline multiplier suggests — but the math compresses in two places: Baltimore City’s 1.40% effective property tax (the highest in the state) and the Montgomery County / Prince George’s County DC-metro premium, where home prices push you into the $1,249,125 high-balance conforming window faster than you’d expect.

What follows is the math, a salary-by-salary table for Maryland buyers, what the national calculators miss, and how to get a number you can offer on a home with.

Quick answer: Multiply your gross annual salary by 3.4 for a realistic Maryland max home price at 10% down in a typical county. Stretch to 4.0x at 20% down. Drop to 3.2x in Baltimore City, where the 1.40% effective property tax rate (the highest in Maryland) compresses your front-end DTI. In Montgomery and Prince George’s Counties, the high-balance conforming window goes up to $1,249,125 — the same federal high-cost ceiling as NoVA, LA, and the Bay Area.

On This Page

• How Much House Can I Afford in Maryland by Salary?
• How Much More House Do You Get With a Wholesale Broker Rate?
• How Do Lenders Actually Decide What You Can Afford?
• What Are the DTI Limits for Conventional, FHA, and VA Loans?
• Why Is Home Affordability Different in Maryland?
• How Does Your Down Payment Change What You Can Afford?
• What Do National Calculators Get Wrong About Maryland?
• What Are the Most Common Maryland Affordability Questions?
• How Do You Get a Real Affordability Number Instead of an Estimate?

How Much House Can I Afford in Maryland by Salary?

Assumptions: 30-year fixed at today’s wholesale conventional purchase rate (~5.75% as of May 2026, source: Mortgage News Daily), 10% down, Maryland property tax 1.0% effective (typical Montgomery, Howard, Anne Arundel, Frederick, Carroll, Charles counties; Baltimore City runs 1.40%; Talbot 0.56%), Maryland homeowners insurance ~0.45% of home value annually (mid-Atlantic, limited natural disaster exposure outside Eastern Shore), no HOA, no other monthly debts, 28% front-end DTI cap. Four levers move your number in Maryland: rate, down payment, debts, and which jurisdiction you’re buying in (Baltimore City vs. county vs. DC-metro high-balance).

Two things to notice. The median Maryland household ($102,900) qualifies for about $347,000 of home, which lands at 80% of the statewide median home price of $433,570 — the best affordability ratio of any state OnPoint is licensed in. That’s because Maryland’s median income is the third-highest in the country, while Maryland home prices sit in the middle of the pack. And the 2026 conforming loan limit in Maryland is $832,750 baseline, but jumps to $1,249,125 in Montgomery County and Prince George’s County — the two DC-metro jurisdictions FHFA classifies as high-cost. The full 2026 Maryland loan limits live on the /mortgage-maryland/ page.

Run your exact numbers (your rate, your down payment, your county, your debts) in our Maryland mortgage affordability calculator. It’s tuned for Maryland’s property tax variation across the 24 jurisdictions and the high-balance conforming reality in the DC suburbs, not national averages.

How Much More House Do You Get With a Wholesale Broker Rate?

The table above uses OnPoint’s current wholesale conventional purchase rate of ~5.75%. The national average retail rate reported by Mortgage News Daily is 6.67%. That 0.92% gap between what a retail bank quotes and what a wholesale broker can access doesn’t sound like much, until you see what it does to your max home price.

Same monthly payment, more house:

Or same house, lower monthly payment:

That’s not a marketing claim. It’s the math of the rate you’re offered. A retail bank quotes from one rate sheet: its own. A wholesale broker sends your file to 20+ wholesale lenders and brings you back the comparison. The rate that wins your file is almost always lower than the rate a single retail desk would have quoted, because wholesale lenders compete for your business in a way no retail bank ever will.

The median Maryland household earns $102,900 and qualifies for $25,000 more home at wholesale. Or it saves $237 a month on the same home, which is $85,320 the retail borrower pays that the wholesale borrower doesn’t. That’s the cost of not comparison-shopping.

How Do Lenders Actually Decide What You Can Afford?

Two ratios. That’s the whole game.

Front-end DTI (the 28% rule). Your total housing payment (principal, interest, property tax, homeowners insurance, HOA dues, condo/townhouse fees, and mortgage insurance) cannot exceed roughly 28% of your gross monthly income. That’s PITI. It sets your max house price.

Back-end DTI (the 36% rule). Your total monthly debt (PITI plus car loans, student loans, credit-card minimums, child support, alimony) cannot exceed roughly 36% of your gross monthly income. This is where existing debt eats your house budget.

Each loan program sets its own DTI ceiling (the next section breaks them down). What doesn’t change across programs: when your back-end DTI is the binding constraint, every $100 of monthly debt costs you roughly $14,500 of house at today’s Maryland county rates. Pay down a $500/mo car payment before you shop and you unlock roughly $72,000 more house on the same income.

The 3.4x rule isn’t magic. The 28% cap times 12 months equals 3.36 annual income worth of housing payments. Subtract Maryland’s tax-and-insurance overhead (about 1.45% of home value per year in a typical county, before HOA) and divide by the 30-year mortgage factor at today’s ~5.75% wholesale rate, and you land at home price = 3.4x gross income. If rates climb a full point to 6.75%, the multiplier compresses to ~3.0x. With 20% down and no PMI, it stretches to 4.0x. In Baltimore City where the effective property tax hits 1.40%, the same math drops to 3.2x. That’s it.

What Are the DTI Limits for Conventional, FHA, and VA Loans?

The 28/36 baseline is the textbook rule. The actual ceiling depends on which loan program is underwriting your file. Three programs cover the vast majority of Maryland purchases, and each has a different ceiling, which means the same income produces a different max house price depending on which loan you use.

Fannie Mae (Conventional)

• Front-end DTI: Not strictly enforced. 28% is the traditional benchmark guideline.
• Back-end DTI: Normally capped at 36%, but can go up to 45% with strong credit and reserve requirements. Under Fannie Mae’s Desktop Underwriter (DU) automated underwriting, the absolute maximum is 50% (source: Fannie Mae Selling Guide, Section B3-6-02, Debt-to-Income Ratios).

For Maryland buyers, the DU 50% ceiling is the lever that turns a “no” into a “yes” on Montgomery County and Howard County files where the high-balance conforming window forces tighter ratios. The stretch comes with conditions: 700+ FICO, 6-12 months of reserves, low LTV, clean housing history. Below those compensating factors, expect DU to cap you closer to 45%.

FHA (Federal Housing Administration)

• Front-end DTI: Officially set at 31%.
• Back-end DTI: Officially capped at 43%. The FHA’s TOTAL Scorecard automated underwriting approves DTIs of 50% to 57% when the borrower has strong compensating factors: high credit score, large cash reserves, residual income, or a documented history of carrying similar housing payments (source: HUD Handbook 4000.1, Section II.A.5.d, Qualifying Ratios).

FHA loans are heavily used in Maryland’s affordable jurisdictions (Baltimore City, Cumberland, Hagerstown, Salisbury, parts of Prince George’s County, Charles County, St. Mary’s County) because the higher DTI ceiling stretches qualifying income on lower-priced homes. The Maryland FHA loan limit follows the conforming ceiling at $524,225 baseline and $1,209,750 in Montgomery and Prince George’s Counties, so the program reaches further up the price scale than most Maryland buyers realize.

VA (Department of Veterans Affairs)

• Front-end DTI: None. The VA does not consider or require a front-end housing ratio.
• Back-end DTI: The VA generally prefers a back-end DTI of 41%. However, DTIs of 50% and higher are routinely approved when the borrower exceeds VA’s residual income standard by 20% or more, because VA underwrites primarily to residual income (the net monthly cash left after all obligations), not to DTI (source: VA Lenders Handbook 26-7, Chapter 4, Section 4.07, Income Analysis).

Maryland has a substantial veteran population — over 350,000 veterans — anchored by Fort Meade and the National Security Agency complex (Anne Arundel), Naval Support Activity Bethesda and Walter Reed (Montgomery), the US Naval Academy (Annapolis), Joint Base Andrews (Prince George’s), Naval Air Station Patuxent River (St. Mary’s), and Aberdeen Proving Ground (Harford). VA loans require zero down payment, accept higher DTI than any other program, and don’t price-penalize jumbo loans inside VA limits. A VA-eligible buyer in Maryland can frequently afford 15-25% more house than the same buyer using a conventional or FHA loan on the same income — particularly valuable in Anne Arundel County around Fort Meade, where home prices have pushed up sharply on cyber-and-defense workforce growth.

Why Is Home Affordability Different in Maryland?

National calculators use national averages. Maryland isn’t an average state. Five reasons the numbers move.

Property tax varies more between jurisdictions than in any state OnPoint covers. Maryland’s effective property tax rate ranges from 0.56% in Talbot County (Eastern Shore) to 1.40% in Baltimore City — a 2.5x spread within one state. Most counties (Montgomery 0.89%, Howard 1.05%, Anne Arundel 0.85%, Frederick 1.10%, Charles 1.05%) cluster around 0.85-1.10%. Baltimore County runs 1.03%. The Maryland state property tax of 0.112% gets added on top of every county. This means the same $400K home costs $2,240/yr in Talbot, $4,000/yr in Montgomery, and $5,600/yr in Baltimore City — a $3,360 annual swing on identical home value. The jurisdiction on your settlement statement matters more in Maryland than almost anywhere else.

Maryland income tax is high, including the county piggyback. Maryland has a graduated state income tax topping out at 5.75%, PLUS a mandatory county income tax (the “piggyback”) running 2.25-3.20% depending on jurisdiction. Combined top rate: 8.00-8.95% — among the highest in OnPoint’s nine-state license footprint, second only to California’s 13.3%. A $200,000 W-2 earner in Montgomery County pays roughly $4,000-$6,000 more annually in state-plus-county income tax than the same earner in Virginia, and $14,000-$18,000 more than in Texas or Florida. DTI math runs on gross income; your life runs on net. Stress-test the number against your real take-home pay.

Montgomery and Prince George’s Counties are the DC-metro high-balance window. The 2026 conforming loan limit in Montgomery County and Prince George’s County is $1,249,125 — the federal “high-cost” ceiling matching Los Angeles, the Bay Area, NoVA, and Manhattan. The median Montgomery County home price hit $660,000 in April 2026. Frederick is at $510,000. Prince George’s at $450,000. Cross $832,750 in any other Maryland county and you’re in the jumbo market; in Montgomery and PG, you have a $416,000 high-balance window before jumbo kicks in. The county code on your file changes which lenders compete for you.

Recordation and transfer taxes are real and not in the calculator. Maryland levies a state recordation tax of $5.00-$12.50 per $1,000 of consideration (varies by county, roughly 0.5-1.25%) plus a state transfer tax of 0.5% and a county transfer tax of 0.5-1.5%. Total combined: roughly 1.5-3% of the purchase price at closing in many jurisdictions. On a $500,000 purchase, that’s $7,500-$15,000 in Maryland-specific closing costs the national calculator doesn’t model. First-time homebuyers get a partial state transfer tax exemption (reducing it from 0.5% to 0.25%), but the recordation and county lines are still in play.

Maryland Homestead Tax Credit caps year-over-year assessment increases. Once you file the Homestead Tax Credit Application (a one-time submission to SDAT), Maryland caps the year-over-year increase in your taxable assessment at 10% for state purposes, with most counties setting their own caps even lower (Montgomery caps it at 10%, Howard at 5%, Anne Arundel at 2%, Prince George’s at 4%, Baltimore City at 4%). This protects long-term homeowners from assessment shock when local markets surge — but the cap only kicks in after you file. As a first-year owner, you pay full assessed value. File the Homestead application within your first year of ownership to lock in future-year protection.

How Does Your Down Payment Change What You Can Afford?

The same buyer hits different max prices depending on how much they put down. The reason isn’t “less to borrow.” It’s that small down payments add mortgage insurance (PMI on conventional, MIP on FHA), and that monthly premium eats your front-end DTI cap.

3% down (conventional first-time buyer, or 3.5% FHA). Best for buyers conserving cash. PMI runs $80-$200/month per $100K borrowed. PMI drops off at 20% equity on conventional; FHA MIP stays for the life of the loan unless you refinance out. Lowest down payment, lowest max house price. Both Fannie Mae HomeReady and Freddie Mac Home Possible work alongside Maryland Mortgage Program (MMP) DPA.

5% down. A middle path. Less PMI than 3%, still preserves cash. Common for Maryland buyers using bank-statement programs or non-QM. This is also the tier where the Maryland Mortgage Program (MMP) stacks most cleanly. MMP’s 1st Time Advantage 6000 and Flex 6000 loans provide $6,000 in DPA as a 0%-interest deferred second mortgage. Stack with Partner Match (employer, builder, community, or higher-education matching contributions of up to $2,500), the Maryland HomeCredit Mortgage Credit Certificate (a federal tax credit of up to 25% of mortgage interest paid annually), and the SmartBuy 3.0 program (which lets borrowers carrying student debt fold up to $20,000 of that debt into the first mortgage at the home loan’s rate). The total DPA stack on a Maryland purchase can reach $25,000-$35,000 of true assistance — among the most generous combos in OnPoint’s nine-state footprint.

10% down. Where the 3.4x rule lands. PMI is smaller and drops off sooner. Most Maryland buyers without family help land here.

20% down. No PMI. Max house price climbs to ~4.0x salary. The hardest number to reach in Montgomery, Howard, and Anne Arundel Counties where median prices push past $500K. On a $660,000 Montgomery County home, that’s $132,000 in cash plus closing costs (and Maryland closing costs run higher than most states — budget $20K-$30K for transfer-and-recordation on a purchase that size). This is where MMP’s stacked DPA programs become a real lever for high-priced county purchases.

The bigger point: in Maryland, your monthly payment moves more than your max house price across these tiers. Going from 5% to 20% down on a $434,000 home cuts PITI by $500-$700/month. That’s not from a smaller loan alone. It’s killing PMI and shrinking principal-and-interest at the same time.

What Do National Calculators Get Wrong About Maryland?

Run the same scenario through Zillow, NerdWallet, and our Maryland-tuned calculator. National calculators get Maryland in the ballpark for typical county purchases (MD averages aren’t wildly different from national), but four real gaps remain.

They blur Maryland’s 24-jurisdiction property tax spread. Maryland goes from 0.56% (Talbot) to 1.40% (Baltimore City). National calculators pull a state-average rate of about 1.09% — close to median but materially wrong for Baltimore City buyers (your real max house price is 5-7% lower than the calculator says) and Eastern Shore buyers (your real max is 4-6% higher than the calculator says).

They miss the high-balance conforming window in Montgomery and Prince George’s. The 2026 conforming limit in most of Maryland is $832,750. In Montgomery and PG it’s $1,249,125. National calculators show a smooth pricing curve where Montgomery’s reality is a step function: rates are best up to $832,750, slightly higher in the high-balance window ($832,750 to $1,249,125), and jumbo above $1,249,125. A buyer at $250K combined Montgomery salary is often making decisions in that high-balance window without the calculator flagging it.

They ignore Maryland transfer-and-recordation taxes. Maryland’s closing-cost stack adds roughly 1.5-3% of the purchase price at closing. On a $500K Maryland mortgage, that’s $7,500-$15,000 in MD-specific closing costs the national calculator doesn’t model. It doesn’t change your max-house-price math, but it changes how much cash you need at the table.

They miss the county piggyback income tax. Maryland’s state-plus-county income tax tops out at 8-8.95% combined — compared to a national average closer to 4-5%. The national calculator’s “monthly net income” estimate is too high for Maryland by about $400-$700/month at the $150K-$200K salary tier. That means the calculator’s max-house-price answer for Maryland is technically correct on the DTI gross-income math, but stress-tests poorly against Maryland take-home reality.

Worked example. Buyer at $200K Montgomery County salary, 10% down, today’s wholesale rate. National calculator: about $650,000. Maryland-tuned math: about $675,000 max, but with the high-balance conforming window opening at $832,750, the buyer often stretches to $750K-$800K with strong reserves — gaining $100K of Montgomery County house that the national calculator never modeled.

What Are the Most Common Maryland Affordability Questions?

Can I afford a $300K house on a $75K salary in Maryland?

Workable in most of Maryland. A $75K Maryland salary at 10% down qualifies for roughly $253,000 in a typical county. Stretching to $300K on $75K takes either 20%+ down (~$60K cash), zero other debts, top-tier credit, or an MMP DPA stack with Partner Match plus an FHA loan with DU compensating factors. In the affordable Maryland jurisdictions (Baltimore City, Cumberland, Salisbury, Hagerstown, parts of Frederick, eastern Prince George’s, southern Charles, St. Mary’s, Cecil), $300K homes still exist. With FHA at 3.5% down, a 640+ FICO, and the MMP $6,000 DPA plus $2,500 Partner Match, the math gets close to workable.

What salary do you need to afford a $400,000 house in Maryland?

About $119,000 in gross income at 10% down, today’s ~5.75% wholesale rate, no other debts, in a typical Maryland county (1.0% property tax, 0.45% insurance). Add $400/mo of car-and-card debt and you need closer to $134K. In Baltimore City with the 1.40% property tax, the same $400K home requires $128K+ gross. $400K homes in typical Maryland live across Howard County’s outer ring (Ellicott City, Columbia), Anne Arundel’s northern suburbs, Frederick proper, Carroll County (Westminster, Eldersburg), Harford County (Bel Air), Charles County (Waldorf, La Plata), and Baltimore County’s northern suburbs. Conforming, no jumbo penalty.

How much house can I afford in Maryland with a $200,000 salary?

About $675,000 at 10% down in a typical Maryland county, today’s ~5.75% wholesale rate, MD-typical taxes and insurance. With 20% down, climb to about $785,000. In Baltimore City, the $200K salary drops to about $580,000. At $675K you’re still under the $832,750 conforming limit everywhere in Maryland, so the full lender pool is in play. In Montgomery and PG, you have headroom into the $1,249,125 high-balance window. The $200K-salary tier puts you squarely in target range for Bethesda’s outer ring, Silver Spring, Rockville, Gaithersburg, Howard County’s Columbia and Ellicott City, Anne Arundel’s Crofton/Severna Park/Pasadena, Annapolis proper, and Frederick’s upmarket Worman’s Mill and Linganore areas.

How much do I need to make to afford a $500,000 house in Maryland?

About $148,000 in gross income at 10% down in a typical Maryland county, or about $126,000 at 20% down. $500K homes are common across most of Montgomery County’s outer ring (Gaithersburg, Germantown), Howard County’s outer Columbia and Elkridge, Anne Arundel County (Severna Park, Crofton, Pasadena), Frederick proper, Annapolis non-waterfront, the entry-level Bethesda condo market, and Eastern Shore destinations like Ocean City and Easton. Still under the $832,750 conforming loan limit, no jumbo penalty.

I make $100,000 a year. How much house can I afford in Maryland?

About $338,000 at 10% down in a typical Maryland county. With 20% down and no other debts, push to about $395,000. If your $100K is W-2 with strong job tenure and $25K+ in reserves, some lenders will stretch back-end DTI to 45-50% and get you to $395K-$420K. The median home price across Baltimore City’s Mt. Vernon and Hampden, Carroll County, Harford County’s outer ring, eastern Prince George’s, Charles County, St. Mary’s, Cecil, Caroline, Dorchester, and Wicomico Counties sits at or below $338K.

Should I buy at my maximum approval amount?

No. Your maximum approval is the lender’s risk tolerance, not your life budget. The lender doesn’t price your retirement contributions, your kids’ activities, your car maintenance, your future vacations, or the year you took a pay cut. Most Maryland households should target 75-85% of the lender’s max approval. Particularly in Montgomery, Anne Arundel, and Prince George’s Counties, federal-government shutdowns and contracting-cycle pauses are real income-disruption risks for the meaningful share of working households tied to federal employment, defense contracting, NIH/FDA, NSA, or the Naval Academy.

How Do You Get a Real Affordability Number Instead of an Estimate?

Calculators get you in the ballpark. Two things get you a number you can offer on a home with.

Pre-approval, not pre-qualification. Pre-qualification is a 5-minute self-reported estimate. Useless. Pre-approval is a real underwriter reviewing your real W-2s, real tax returns, real credit pull, real assets, and real debts, then issuing a written letter you can submit with an offer. In a Maryland seller’s market — Montgomery County, Howard County, and the Annapolis-area Anne Arundel especially — a listing agent reads your pre-approval letter before they read your offer. A pre-qualification letter gets your offer thrown out.

A wholesale broker pulls a more accurate number than a retail bank. A bank’s pre-approval reflects what that bank will lend you (one underwriting box). A wholesale broker submits your file to 20+ wholesale lenders and brings back the comparison: which lender stretches DTI hardest for your scenario, which has the best high-balance conforming pricing if you’re crossing the $832,750 line in Montgomery or PG, which competes hardest for federal-employee or contractor income, which has the deepest VA loan pricing for Fort Meade and Annapolis veterans. The pre-approval number you carry into your house hunt should be the best of those 20, not the first one you got.

That’s what we do at OnPoint Mortgage Pro. Maryland-licensed (alongside California, Colorado, Florida, Idaho, New Hampshire, South Carolina, Texas, and Virginia), headquartered in Irvine, serving Maryland buyers and homeowners across Montgomery County, Howard County, Anne Arundel, Frederick, Baltimore County and Baltimore City, Prince George’s, Charles, Harford, Carroll, the Eastern Shore, and every market in between. We don’t sell one bank’s loan. We shop your file across the wholesale market and bring you the comparison sheet. The pre-approval number that lands on your phone is the one that wins for your scenario, not the one a retail loan officer happened to pull.

Model your scenario in our Maryland mortgage affordability calculator, then tell us what you’re trying to buy and we’ll send your file to 20+ wholesale lenders simultaneously. Or call us directly at (877) 870-0007. The comparison sheet comes back with the lowest total cost on a Maryland loan we re-verify is still the best one all the way to funding.

Ask any Maryland broker what your pre-approval number would be at their best 5 lenders, side by side. If they can only quote one, walk. Call us at (877) 870-0007 and we’ll show you the sheet.

See Also: Affordability in Other Licensed States

• How Much House Can You Afford in California? — CA multiplier: 3.3x at 10% down.
• How Much House Can You Afford in Texas? — TX multiplier: 2.9x at 10% down.
• How Much House Can You Afford in Florida? — FL multiplier: 3.0x inland, 2.5x coastal.
• How Much House Can You Afford in Virginia? — VA multiplier: 3.4x at 10% down with NoVA high-balance window.
• How Much House Can You Afford in Colorado? — CO multiplier: 3.3x Front Range, 2.5x WUI.
• How Much House Can You Afford in South Carolina? — SC multiplier: 3.5x inland (highest in series), 3.0x coastal.
• How Much House Can You Afford in New Hampshire? — same analysis tuned to New Hampshire’s 1.85% average property tax (Carroll 1.06% to Sullivan 2.38%), no broad state income tax, the Rockingham/Strafford Boston-metro high-cost conforming window, and NH Housing’s 4% forgivable DPA. NH multiplier: 3.1x at 10% down in a typical town.
• How Much House Can You Afford in Idaho? — same analysis tuned to Idaho’s 0.43% effective property tax (tied with CO for lowest in our series), the wildfire-WUI insurance crisis, 5.3% flat state income tax, Teton County’s Jackson-Hole-spillover high-cost conforming window, and IHFA’s repayable second-mortgage DPA up to 8% of sales price. ID multiplier: 3.6x at 10% down in Treasure Valley (highest 20%-down multiplier in our series at 4.3x), 2.8x in WUI zones.

This completes the affordability breakdown for all nine states OnPoint Mortgage Pro is licensed in.

Victor Santos, NMLS #888844, is a Senior Loan Officer and licensed mortgage broker serving Maryland buyers and homeowners. OnPoint Mortgage Pro (NMLS #2134550) is licensed in California, Colorado, Florida, Idaho, Maryland, New Hampshire, South Carolina, Texas, and Virginia. The affordability examples on this page use representative market assumptions as of May 2026 for illustration; your actual qualifying amount depends on your specific rate, credit, down payment, debts, property location, county property-tax rate and county piggyback income tax, Homestead Tax Credit filing status, HOA/condo fees, transfer-and-recordation costs, and lender. Rates change daily. See today’s rates or call (877) 870-0007 for a current quote. Run your scenario through our Maryland mortgage affordability calculator or contact us for a written pre-approval. Equal Housing Lender.