Who has low mortgage rates in Maryland?
I’m looking for a primary, single-family home in for , and credit score.
Insights
Negotiate everything—rates, fees, and terms are not set in stone.

Lenders in MD likely to have high rates
We don’t accept advertising, so TrueRate can give the real lender story. We looked at 442 lenders and these lenders are likely to offer you a high rate.
Lender | Lender fees | Summary | |
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Insights
Whether a lender has high margins or is simply inefficient and passing their costs on to you, the result is the same—you’ll likely end up paying more for your home. Our data shows that if you choose these lenders you will likely regret it.

Methodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Maryland’s housing market is becoming more enticing
The shift to lower interest rates in Maryland gives buyers a real chance to get more out of their home search, especially with the diverse options Maryland has to offer.
If you’re drawn to the energy of city life, Baltimore is a standout choice. The city’s real estate market remains relatively affordable compared to other East Coast cities, making it a great spot to find a deal, especially with lower interest rates making monthly payments easier to handle. Plus, Baltimore’s historic charm and vibrant arts and food scenes make it a cool place to plant roots.
Outside of Baltimore, Maryland has a lot of variety. Places like Columbia, Annapolis, and even the suburbs of D.C. offer different lifestyles depending on what you’re after—whether it’s a quieter suburban setting, proximity to the coast, or a more family-oriented environment. Yes, the closer you get to D.C., prices go up, but with the improving interest rates, even higher-priced areas are becoming more accessible for homebuyers.
For first-time buyers, Maryland offers several state programs to help with down payments, closing costs, and even better loan terms. So if you’ve been thinking about buying your first home, this state provides the tools you need to get started without the stress of saving up for years.
Maryland’s blend of city life, scenic waterfronts, and suburban communities makes it a great option for a wide range of buyers. And with interest rates moving in a favorable direction, now is an excellent time to find your place in this diverse and dynamic state.