Hard Money Loans in Baltimore, Maryland

How Can we help?

(703) 405-6548

Invest in Baltimore County, MD Real Estate

More than just a cornerstone of Maryland’s economy, Baltimore County is a prime destination for real estate investors. From suburban single-family homes to urban multifamily developments, this region offers diverse and financially attractive opportunities. With a growing population, expanding infrastructure, and proximity to major employment centers like Baltimore City and Washington, D.C., investing in Baltimore County real estate can provide steady rental income and long-term appreciation.

Whether you’re flipping properties in Towson, rehabbing rentals in Dundalk, or funding a new construction project in Owings Mills, the Baltimore County real estate market is competitive and the timing is critical when it comes to making a move quickly on investments. That’s where HardMoney Company comes in.

Why Invest in Baltimore County, MD?

Baltimore County offers a balance of suburbia and urban accessibility, making it attractive to both homeowners and renters alike. Here’s why local and out-of-state investors continue to be drawn to the Baltimore area area:

  • Strong Rental Demand: With a large population of students, healthcare professionals, and federal employees, the demand for rentals is consistent and growing.
  • Diverse Housing Stock: With everything from post-war charmers to sleek new townhomes, the county delivers property options for nearly every investment style.
  • Strategic Location: Easy access to I-695, I-83, and MARC train stations connects Baltimore County to the entire D.C. Baltimore corridor.
  • Local Revitalization:Ongoing redevelopment initiatives and targeted economic incentives—such as tax credits, grant programs, and zoning flexibility—are transforming designated areas of the county into lucrative opportunities for investors. These measures ease acquisition and redevelopment challenges, allowing investors to reposition underperforming properties into profitable, revenue-producing investments.
  • Affordability Compared to Major Metros: Compared to nearby markets like Washington, D.C., property prices are more accessible—giving investors more room to scale.

Baltimore County Hard Money Loans – How We Can Help

At HardMoney Company, we specialize in providing fast, flexible hard money loans designed for real estate investors like you, unlike traditional lenders that may not see the potential in unconventional opportunities.

We offer:

  • Quick closings (as fast as 5-7 days) so you can act on opportunities without delay.
  • Asset-based lending, meaning we focus on the property’s value, not your credit score.
  • Local market insight, because we understand what it takes to succeed in Baltimore County.
  • Direct access to real people, not call centers—so you get answers when you need them.

Whether you’re acquiring, renovating, or refinancing, we make it easier to execute your strategy.

How to Fix and Flip a Property Quickly with Hard Money Financing Do Your Research Begin the process by researching the type of financing that’s available to you, the kinds of repairs you’re able to take on, and the properties available in your area and budget. Find a Property Once you’ve conducted your research, seek out a real estate agent to help you find a property that will work for you. Tour the properties, learn more about the repairs needs, find licensed contractors, and then prepare to make an offer on the one you like best. Secure a Loan There are several financing options available: traditional loans, private loans (such as hard money loans), and alternative financing such as crowdfunding. Private financing, in particular, is a fast and efficient way to obtain financing without needing to jump through a lot of hoops. It’s a great option for people who need funding quickly or may be credit challenged. Find Your Contractor Reach out to a few local contractors in your area that specialize in the type of work you need to do on your property. Secure an estimate and select the contractor that will do the best work for the most reasonable price. Renovate Your Property Begin your renovation process. This can take anywhere from a few weeks to a few months, so be patient and continuously check in with your contractor and their crew to ensure that everything remains on schedule. Stage and Sell the Property Once the renovations are complete, it’s now time to decorate the property and list it so you can finally reap the benefits of your investment!

Types of Hard Money Loans We Offer in Baltimore County, MD

We provide several tailored loan programs to meet your investment goals:

  • Fix and Flip Loans – Ideal for purchasing undervalued homes, renovating them quickly, and selling for profit.
  • Bridge Loans – Short-term funding to bridge the gap between buying a new property and selling your existing one.
  • Rental Property Loans – For refinancing or acquiring long-term rental units with steady cash flow.
  • New Construction Loans – Build from the ground up with our streamlined financing process.
  • Multi-Family Loans – Scale your portfolio with funding for duplexes, triplexes, and small apartment buildings.
  • Commercial Hard Money Loans – For warehouses, retail spaces, and other non-residential real estate assets.

Partner with HardMoney Company for Baltimore County, MD Investments

We’re a family-owned, relationship-focused lender that understands the speed and flexibility today’s investors need. When you work with HardMoney Company, you’re not just getting a loan—you’re gaining a team that’s committed to helping your projects succeed.

From Pikesville to Parkville, Essex to Catonsville, we’re here to help you move fast and invest smarter in Baltimore County real estate. Ready to get started? Contact us today to discuss your project and see how we can help you scale your investment strategy with confidence.

Free Loan-Application Process

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, 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

We can customize your hard money loan to best fit your needs in Maryland.

Hard Money Loan Amounts We Offer in Maryland

We typically offer loan amounts from $50,000 to $5,000,000 in Maryland. If your project requires an amount that is outside this range, please reach out to our team to discuss.

(571) 568-5828

Contact Us

Feel Free to Contact us to Discuss Your Needs

You may utilize our quick apply form to initiate the process, and we will contact you with next steps. If you're an existing HMC customer, you may go straight to the full online application if you wish to expedite the process. And, contact us if you have any questions.

Home 3 Contact Form

Our Maryland Loan Team

Our friendly and professional staff are available to answer any questions or comments about our loans. Interested in a hard money loan for your business in Maryland? Call today!

Jerry Bouchard

Owner / Partner

Steve Stoney

Senior Loan Officer