First Time Home Buyers



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Home Mortgage Loans in Maryland.

Whether you are a first time home buyer or trading up to a larger home, we work to find the best Maryland home mortgage solution for you. Constantly surveying the hundreds of mortgage lenders as well as anonymously testing their staff, we are always aware of the conditions of the home loan market as well as the lenders involved in it.

Best Lender For Maryland Home Mortgage Loans

Unfortunately, the subprime mortgage crisis has caused dramatic changes in the lending climate. Many lending institutions have suffered tremendous losses and as a result have tightened their lending standards drastically. Whereas it used to be very, very easy to meet the requirements in order to get approved, it is now much more difficult with most lenders. When searching for a home mortgage loan in Maryland, it is important to find one that not only offers the lowest rates, but also has not tightened lending standards to the point that only a tiny percentage of applicants will qualify. At the top of our list right now is ING DIRECT Maryland Home Mortgage. They have the lowest rates, a free and easy online application, and they have not been severely hurt by the subprime mortgage crisis.  They are still approving the majority of applications for Maryland home mortgage loans.

Maryland Overview & Statistics

State Overview

Maryland is located in the Mid Atlantic region of the United States. Historically it was part of the Chesapeake Bay Colony where planters cultivated tobacco as a cash crop dependent on slave labor. It is comparable in size to the European country of Belgium. According to the most recent information provided by the U.S. Census Bureau, as of August 2007, Maryland is now the wealthiest state in the United States, with a median household income of US$65,144, ahead of New Jersey which had previously held that title.

It was the seventh state to ratify the United States Constitution and bears two nicknames, the Old Line State and the Free State. Its history as a border state has led it to exhibit characteristics of both the Northern and Southern regions of the United States. Generally, the rural Western, Southern and Eastern Shore regions of Maryland reflect a Southern culture, while densely-populated Central Maryland — radiating outward from Baltimore City and the Washington Beltway — exhibit characteristics of the Northeast.

Maryland has wide array of climates for a state of its size. It depends on numerous variables, such as proximity to water, elevation, and protection from colder weather due to downslope winds.

The eastern half of Maryland lies on the Atlantic Coastal Plain, with very flat topography and very sandy or muddy soil. This region has a humid subtropical climate, with hot, humid summers and a short, mild to cool winter. This region includes the cities of Salisbury, Annapolis, Ocean City, and southern and eastern greater Baltimore.

Sunset over a marsh at Cardinal Cove, on the Patuxent River. Beyond this region lies the Piedmont which lies in the transition between the humid subtropical climate zone and the humid continental climate zone, with hot, humid summers and moderately cold winters where average annual snowfall exceeds 20 inches and temperatures below 10F are annual occurrences. This region includes Frederick, Hagerstown, Westminster, Gaithersburg and northern and western greater Baltimore.

Extreme western Maryland, in the higher elevations of Allegany County and Garrett County lie completely in the Humid continental climate due to elevation (more typical of inland New England and the Midwestern U.S.) with milder summers and cold, snowy winters. Some parts of extreme western Maryland possess the cool summer Humid continental climate, with summer average temperatures below 71 F.

Maryland Home Mortgage Loan Resources

Listed below are a variety of resources relating to Maryland home mortgage loans.

Maryland First Time Home Buyers Grants

Maryland First Time Home Buyer Programs

Baltimore Home Mortgage 

     Baltimore Home Mortgages


Housing Not Yet At Bottom
 Real Estate continues to lose value. One expert predicted the subprime financial crisis in 2008 and is now calling for an Economic Depression in 2011 -2012. Learn how he is helping others protect and greatly increase their wealth in spite of the financial crisis. Read more>>>

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