# Maryland Home Loans in 2025: The Top Options I Use Every Week
By Adam Chubbuck
Navy Veteran | Top 1% Maryland Realtor | Team Alpha Charlie – Douglas Realty
300+ families helped | $100M+ closed
After 300+ Maryland closings, here are the loan programs my buyers actually use most:
1. **VA Loans** – 0% down, no PMI, best rates. Still #1 for military in Anne Arundel & Harford.
2. **FHA Loans** – 3.5% down, flexible credit. Perfect for first-timers in Baltimore City, Dundalk & PG County.
3. **Maryland Mortgage Program (MMP)** – Up to $20K–$30K in free/down-payment help. Stack it with VA/FHA for almost $0 out of pocket.
4. **USDA Loans** – 0% down in parts of Carroll, Harford, and northern Anne Arundel (Millersville, Gambrills).
5. **Conventional** – 3–20% down. Best rates when credit is strong (Howard County & newer builds).
6. **SmartBuy 3.0** – Maryland pays off up to $50K of your student loans at closing.
7. **Construction & 203k Renovation** – One loan to buy + fix aging homes in Glen Burnie, Brooklyn Park & Essex.
8. **Non-QM / Bank Statement Loans** – For self-employed & investors who don’t show income the “normal” way.
There’s no single “best” loan — only the best one for YOU right now.
I work with 15+ Maryland lenders who specialize in these programs so my clients get faster approvals and better terms.
Ready to see which loan (or combo) saves you the most money?
