Talk to Our Team About Your Maryland Move
Program and regulatory figures verified September 25, 2026. Details change; confirm your scenario with us.
Tell us where you are buying and what you are leaving behind. That is enough to start.
What helps us answer quickly
- The Maryland county or Baltimore City where you are buying, since it sets the conforming limit.
- Where the departing home sits, since that jurisdiction's recordation tax rate applies if you borrow against it.
- The departing home's full payment, including taxes, insurance and any association dues.
- The current assessment on the home you are buying, not the seller's tax bill.
- Whether the departing home is listed, under contract, or neither.
What happens next
Our team reviews it and reaches out shortly. We will tell you which of the three structures fits, what the departing home does to your ratio, whether the recordation tax makes the equity route the wrong one for you, and what reserves to expect.
Before you call, the structures page and the Maryland guide cover most of the ground. The two tax questions are on the recordation tax page and the homestead reset page.
Frequently asked questions
What information should I have ready?
The Maryland jurisdiction you are buying in, where the departing home sits, that home's full payment including taxes and insurance, the current assessment on the home you are buying, and whether the departing home is listed, under contract or neither.
How soon will someone get back to me?
Our team reviews every Maryland scenario and reaches out shortly, usually with a read on which of the three structures fits, what the departing home does to your ratio, and what reserves to expect.
Do you lend across all of Maryland?
Yes, Maryland statewide across all 24 jurisdictions. Note that the conforming loan limit differs: $832,750 in 19 of them, $1,249,125 in Montgomery, Prince George's, Frederick and Charles, and $1,209,750 in Calvert.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content about financing, not a loan commitment and not legal, tax, or real estate advice. Maryland recordation tax rates are set by each county and Baltimore City, and the Homestead Tax Credit is administered by the State Department of Assessments and Taxation; your county finance office, your CPA or a Maryland attorney, and your real estate agent each handle their own part. Loans are subject to borrower and property qualification.