Baltimore Mortgage Broker
Baltimore, Maryland Mortgage Rates & Broker Services
Buying or refinancing in We compare rates from 20+ wholesale lenders to find your lowest rate. Local MD expertise, Baltimore County knowledge, pre-approval in 24 hours.
$832,7502026 conforming limit (Baseline)
MD licensedNMLS #2134550
24 hrsPre-approval turnaround
20+ lendersShopped for your file
Baltimore Mortgage Quick Facts
Baltimore County uses the standard baseline conforming amount. Here's the snapshot of the Baltimore, MD mortgage market.
$832,750
2026 Conforming Limit
(Baseline)
(Baseline)
$235K
Median Home Price
(Baltimore Metro)
(Baltimore Metro)
580K
Population
(Baltimore)
(Baltimore)
9 states
Where OnPoint is Licensed
(incl. Maryland)
(incl. Maryland)
Why Use a Mortgage Broker in Baltimore
Baltimore sits at Maryland's baseline conforming ($832,750), with median home prices well under that. Strong FHA + DPA market; rowhome rehabilitation activity uses FHA 203(k); first-time buyer activity supported by Baltimore City DPA programs.
Local MD Knowledge
Baltimore County conforming limits, Maryland-specific programs (DPA, USDA where applicable), and lender preferences for local property types.
20+ Wholesale Lenders
We shop your specific file across 20+ wholesale lenders to find the lowest rate that actually closes — not a teaser quote.
24-Hour Pre-Approval
Real pre-approval letter in 24 hours so you can submit competitive offers in the Baltimore market without delay.
Loan Programs Available in Baltimore
Every loan type used in the Baltimore, MD market — we match your file to the lender and program with the best pricing for your scenario.
FHA
3.5% down with 580+ FICO. Strong choice for first-time buyers.
Learn more →Conventional
Standard Fannie/Freddie loans for buyers with 3-20% down and 620+ FICO.
Learn more →VA
Zero down for veterans and active-duty service members. No PMI ever.
Learn more →Non-QM
Bank Statement, DSCR, ITIN, and other alternative-doc programs.
Learn more →
Free · 24-Hour Turnaround
Get Your Baltimore Mortgage Quote
A licensed Maryland loan specialist will call within 24 hours with rate pricing matched to your file. No credit pull on the first call.
Got it. We’ll be in touch within 24 hours.
A Maryland loan specialist will call you with pricing matched to your file.
☎ (877) 870-0007The Baltimore Pre-Approval Process
Three steps to pre-approved and offer-ready.
1
Quote Request
Free analysis. No credit pull on the first call. We confirm your Baltimore scenario and target rate.
2
Pre-Approval
24-hour turnaround with a real pre-approval letter you can submit with offers in the Baltimore market.
3
Close in 21-30 Days
Standard close timing for most Baltimore purchase loans. Refi typically 21-35 days.
Baltimore Mortgage FAQ
What's the 2026 conforming loan limit in
Baltimore is in Baltimore County, which falls under the Baseline conforming tier at $832,750. Loans above that amount are jumbo and priced separately by wholesale lenders.
Is OnPoint Mortgage Pro licensed in
Yes. OnPoint Mortgage Pro is licensed in 9 states including Maryland. Our NMLS ID is #2134550. We close loans in Baltimore and across the entire state.
How fast can I close a mortgage in
Purchase loans in Baltimore typically close in 21-30 days. Refinances (especially FHA Streamline and VA IRRRL) close in 14-21 days. We coordinate with Baltimore-area title companies and appraisers to keep timelines tight.
Do you offer VA loans in
Yes. We close VA loans across Maryland for active-duty service members, veterans, and surviving spouses. See our VA loan guide for current rates, eligibility, and the IRRRL streamline refinance program.
What's the minimum down payment for a Baltimore mortgage?
VA: 0% down for eligible veterans. FHA: 3.5% with 580+ FICO. Conventional: 3% for first-time buyers, 5% standard. Non-QM and DSCR programs vary. We model all options at quote time for your Baltimore scenario.
Get Your Baltimore Mortgage Quote in 24 Hours
Free analysis from a licensed Maryland mortgage specialist. No credit pull on the first call. Rate comparison from 20+ wholesale lenders.
☎ (877) 870-0007Mon-Fri 8am-7pm PT · Sat 9am-3pm PT · Licensed in 9 states · NMLS #2134550
Terms & Conditions: Baltimore mortgage rates and program availability shown are illustrative. Actual rate depends on credit profile, debt-to-income, property type, occupancy, loan amount, and current market conditions at lock time. Baltimore is in Baltimore County, Maryland, with a 2026 conforming loan limit of $832,750 (Baseline). Loans above that are jumbo and priced separately. Subject to credit and program approval. OnPoint Mortgage Pro is a licensed mortgage broker; NMLS #2134550. Equal Housing Lender.