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(703) 405-6548
HardMoney Company provides short-term, asset-based hard money loans to real estate investors buying, renovating and refinancing property in Baltimore County, from Towson and Catonsville to Dundalk, Essex and Owings Mills. We fund fix and flip, bridge, multi-family and commercial projects from $50,000 to $5,000,000, and we can close in as little as 5 to 7 days. As a family-owned direct lender, you deal with the people who make the decisions. We lend for business purposes only, never on owner-occupied homes.
Reviewed by Jerry Bouchard, Owner / Partner
Why Real Estate Investors Are Buying in Baltimore County
Baltimore County wraps around Baltimore City on three sides, but it is a separate jurisdiction with its own permitting and rental rules. It mixes older inner-ring suburbs, waterfront communities on the Chesapeake Bay and newer growth areas along I-795, so investors can find everything from post-war brick homes and duplexes to townhomes and small apartment buildings.
Demand is supported by employers and institutions such as Towson University, UMBC, the Social Security Administration headquarters in Woodlawn and the Tradepoint Atlantic logistics hub in Sparrows Point. I-695, I-83, I-95 and I-795 connect the county to Baltimore City and Washington, D.C., which keeps it on the radar for both renters and first-time buyers.
Baltimore County Communities Where Investors Are Active
- Towson: The county seat and home to Towson University, with steady rental demand. Rental licenses near campus can be limited, so see the rules below.
- Dundalk and Essex: East-side communities with post-war rowhomes, duplexes and cottages, lower entry prices and a deep pool of renovation candidates.
- Catonsville and Arbutus: Established west-side neighborhoods near UMBC and I-695 with strong resale demand.
- Parkville and Perry Hall: Northeast suburbs with single-family homes and townhomes that are popular with first-time buyers.
- Owings Mills and Pikesville: Northwest growth areas along I-795 and the Metro SubwayLink, with newer townhomes and room for infill construction.
Hard Money Loans We Offer in Baltimore County
Every deal is different, so we match the loan to the project. Our most common programs in Baltimore County are:
Fix and Flip Loans
Buy a dated or distressed home, fund the renovation and sell for a profit. We look at the after-repair value and your scope of work, not just the purchase price.
Bridge Loans
Short-term financing to close quickly on a new property before you sell or refinance another one, or to buy time while you line up permanent financing.
Multi-Family Loans
Funding for duplexes, triplexes and small apartment buildings across the county.
Commercial Hard Money Loans
Loans for retail, office, warehouse and mixed-use property, from Towson’s commercial core to the industrial east side.
What to Know Before You Invest in Baltimore County
Baltimore County has its own rules, separate from Baltimore City. Building them into your budget and timeline up front protects your profit.
Rental Licensing
Baltimore County requires rental properties to be registered and licensed before a tenant moves in. Licenses run for three years and must be renewed. Short-term rentals, such as Airbnb or Vrbo units, must be registered as well, and properties with seven or more units follow a separate registration path.
Rental Limits Near Towson University
The county has a Neighborhood Preservation District covering neighborhoods within one mile of Towson University’s main campus. New rental licenses can be restricted where 30 percent or more of homes are already rentals, so confirm license availability before you buy near campus with a rental exit in mind.
Lead Paint Rules for Older Homes
Maryland requires rental units built before 1978 to be registered with the Maryland Department of the Environment and to meet lead risk reduction standards. If your exit is a rental and the home is older, budget for lead work and certification as part of your renovation.
Baltimore County vs. Baltimore City
Baltimore County and Baltimore City are separate jurisdictions. A Towson or Dundalk property follows Baltimore County permitting and rental rules, not the city’s. If you invest in both, see our Baltimore City hard money loans page for city rules.
How Our Baltimore County Hard Money Loan Process Works
- Apply online. Our quick apply form takes a few minutes and is free.
- Tell us about the deal. Share the address, purchase price, scope of work and your exit plan.
- Get a decision. Our owners review the property and your plan directly, so you get a clear answer fast.
- Close in as little as 5 to 7 days. Once title and paperwork are in, we move to closing.
Why Baltimore County Investors Choose HardMoney Company
- Deal directly with the owners. No call centers and no loan committees.
- Asset-based lending. We focus on the property and your plan.
- Speed. Closings in as little as 5 to 7 days.
- Flexible loan sizes. From $50,000 to $5,000,000.
- Regional team. Our Maryland loan team works deals across Baltimore, the D.C. suburbs and Southern Maryland.
Baltimore County Hard Money Loan FAQs
Do you offer hard money loans in Baltimore County, MD?
Yes. HardMoney Company provides fix and flip, bridge, multi-family and commercial hard money loans to real estate investors in Baltimore County. Whether you are acquiring, renovating or refinancing, we make it easier to execute your strategy.
How fast can you close a hard money loan in Baltimore County?
We offer quick closings, as fast as 5 to 7 days, so you can act on opportunities without delay.
How much can I borrow with a hard money loan in Maryland?
We typically offer loan amounts from $50,000 to $5,000,000 in Maryland. If your project requires an amount outside this range, reach out to our team to discuss.
Does my credit score matter for a Baltimore County hard money loan?
Our lending is asset based, meaning we focus on the property’s value, not your credit score.
Do you make hard money loans on owner-occupied homes?
No. HardMoney Company makes business-purpose loans to real estate investors and does not lend on owner-occupied homes.
How do I apply for a hard money loan in Baltimore County?
Use our free quick apply form to start the process, and we will contact you with next steps. If you are an existing HardMoney Company customer, you can go straight to the full online application to speed things up.
Hard Money Loans Near Baltimore County
We also lend throughout Maryland, including Baltimore City, Montgomery County and Charles County. See all of our Maryland hard money loans.
Ready to Fund Your Next Baltimore County Deal?
Tell us about your property and we will get back to you quickly with next steps. Applying is free. Apply now or contact our Maryland loan team today.
Maryland Hard Money Loans: Fast & Flexible Financing
We provide hard money loans across the DC Metro area, including the key areas below:
- Annapolis, MD
- Baltimore City, MD
- Baltimore County, MD
- Bethesda, MD
- Bowie, MD
- Charles County, MD
- College Park, MD
- Columbia, MD
- Ellicott City, MD
- Fort Washington, MD
- Frederick, MD
- Gaithersburg, MD
- Germantown, MD
- Glen Burnie, MD
- Hyattsville, MD
- Lusby, MD
- Montgomery County, MD
- Ocean City, MD
- Olney, MD
- Owings Mills, MD
- Oxon Hill, MD
- Potomac, MD
- Rockville, MD
- Salisbury, MD
- Severn, MD
- Silver Spring, MD
- Towson, MD
- Waldorf, MD
Recent Deals
Silver Spring, MD | $545,000
Hagerstown, MD | $295,000
Rockville, MD | $434,000
Fort Washington, MD | $300,000 | August 2024
Alexandria, VA | Cash Out Refi | 450,000 | September 2024
Washington, DC | Cash Out Refi | $175,000 | September 2024
Lusby, MD | $215,000 | October 2024
Hyattsville, MD | $267,000 | July 2024
Silver Spring, MD | $383k
Temple Hills, MD | $272k
Washington, DC | $466k
Washington, DC | $355k
Brinklow, MD | $310,000
Silver Spring, MD | $545,000
Hagerstown, MD | $295,000
Rockville, MD | $434,000
Fort Washington, MD | $300,000 | August 2024
Alexandria, VA | Cash Out Refi | 450,000 | September 2024
Washington, DC | Cash Out Refi | $175,000 | September 2024
Lusby, MD | $215,000 | October 2024
Hyattsville, MD | $267,000 | July 2024
Silver Spring, MD | $383k
Temple Hills, MD | $272k
Washington, DC | $466k
Washington, DC | $355k
Brinklow, MD | $310,000
We can customize your hard money loan to best fit your needs in Maryland.
Hard Money Loan Amounts We Offer in Maryland
(571) 568-5828
Our Maryland Loan Team
Jerry Bouchard
