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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 Montgomery County, from Silver Spring and Bethesda to Rockville, Gaithersburg and Germantown. 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 Montgomery County
Montgomery County is Maryland’s most populous county and borders Washington, D.C. High home values and limited land make value-add renovations, teardown rebuilds and infill construction common strategies, and well-located properties tend to hold their value.
Demand comes from major employers including the National Institutes of Health and Walter Reed in Bethesda, the FDA’s White Oak campus and the life sciences companies along the I-270 corridor. The Metro Red Line, MARC commuter rail and the Purple Line light rail now under construction connect much of the county to D.C. and Prince George’s County.
Montgomery County Communities Where Investors Are Active
- Silver Spring and Wheaton: Older single-family homes and small multi-family buildings near the Red Line and the future Purple Line, popular for rehabs.
- Bethesda and Chevy Chase: High-value neighborhoods where teardowns and luxury rebuilds are common.
- Rockville and Gaithersburg: I-270 corridor cities with townhomes, single-family homes and steady demand from the area’s life sciences workforce.
- Germantown and Clarksburg: Newer growth areas upcounty with room for new construction.
- Takoma Park: Older homes and small apartment buildings on the D.C. line, with its own city housing rules.
Hard Money Loans We Offer in Montgomery County
Every deal is different, so we match the loan to the project. Our most common programs in Montgomery County are:
Fix and Flip Loans
Buy a dated 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, including older garden-style buildings in Silver Spring, Wheaton and Takoma Park.
Commercial Hard Money Loans
Loans for retail, office, flex and mixed-use property across the county.
What to Know Before You Invest in Montgomery County
Montgomery County has some of the most detailed rental rules in Maryland. Building them into your budget and timeline up front protects your profit.
Rental Licensing
Montgomery County requires rental housing to be licensed through the Department of Housing and Community Affairs (DHCA), which also inspects rental housing for code compliance. Some cities inside the county, including Rockville, Gaithersburg and Takoma Park, run their own rental licensing programs, so check with the city as well as the county.
Rent Stabilization
Montgomery County’s rent stabilization law took effect in 2024. It limits annual rent increases on covered units to the regional CPI plus 3 percent, with a 6 percent maximum, and landlords must give 90 days’ written notice of an increase. Units in new buildings are exempt for 23 years, and owners who complete a substantial renovation costing at least 40 percent of the building’s value can petition for the same exemption. If your exit is a rental, factor these rules into your numbers.
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.
How Our Montgomery 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 Montgomery 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.
Montgomery County Hard Money Loan FAQs
Do you offer hard money loans in Montgomery County, MD?
Yes. HardMoney Company provides fix and flip, bridge, multi-family and commercial hard money loans to real estate investors in Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery County
We also lend throughout Maryland, including Baltimore City, Baltimore County and Charles County. See all of our Maryland hard money loans.
Ready to Fund Your Next Montgomery 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
