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Home › Baltimore, MD
Whether you are purchasing an investment property, refinancing a commercial building, or expanding your business in Baltimore, Maryland, you need a commercial mortgage lender who can move quickly and say yes when others say no. Commercial Loans of Texas has funded millions in commercial loans across Maryland since 1998 — with no upfront fees and decisions in as little as 48 hours.
Don't show enough income on your tax returns? Our stated income program uses the property's value and your assets to qualify. Perfect for self-employed borrowers and investors throughout Baltimore and Maryland.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Baltimore, Maryland.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Baltimore property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Baltimore business needs capital for equipment, payroll, expansion, or inventory, our working capital loans provide fast access to funds — without the red tape of traditional bank financing.
Serving Baltimore and all of Maryland. Our loan officers understand Maryland commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Baltimore and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Maryland with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Maryland commercial real estate is driven by federal government and contractor demand throughout the Washington suburbs, the Baltimore port and industrial base, biotechnology and life sciences along the I-270 corridor, and healthcare and university employment statewide.
Maryland taxes rental and business income and adds county-level income taxes on top. State and county transfer and recordation taxes are substantial and materially affect both acquisition and disposition economics.
Maryland foreclosure runs through a court-supervised process. Transfer and recordation costs are high enough that they should be modeled explicitly on both ends of a hold, not treated as a rounding error.
General information about the Maryland market, not legal or tax advice. Confirm specifics with your own counsel and accountant before closing.
No upfront fees • No obligation • Decision in 48 hours
Mon–Fri 8 AM–6 PM CT | Baltimore, Maryland | Direct Lender Since 1998
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