WFC Lending

Maryland Hard Money Lender for Real Estate Investors

Direct private lender since 2004. Business purpose loans for fix and flip, rental, bridge and construction.

Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST)Broker? Register in the portal

Est. 2004
Direct private lender
Lending in 41 states

Business purpose loans only. Not for owner-occupied or consumer purposes.

Maryland statute recognizes both mortgages and deeds of trust, and a sale under either is followed by court ratification. A recordation tax applies to the principal amount of debt secured, at rates each county sets, and mechanic's liens carry a 180 day filing window. Over 3,000 miles of shoreline also make coastal flooding a documented consideration.

World's Fair Capital makes business purpose loans to real estate investors in Maryland: fix and flip, DSCR rental, bridge and ground-up construction. This page covers points that most often matter to an investor there, each checked against the statute or agency that publishes it. It is general information, not legal or tax advice, and terms for any loan are set at underwriting.

Prepared by the WFC editorial team. Facts checked against the cited sources, last reviewed 2026-10-11.

Which describes you?

I have a deal

Investor or borrower with a Maryland property.

Start Your Application

I am a broker

Place your client's Maryland deal through our portal.

See the broker program

I have a question

Talk to our team about your Maryland deal.

Call 800-590-7911

How a Maryland loan works with us

1
Start your application
Fill out a short application in our secure portal.
2
Review the term sheet
We prepare a term sheet for you to review and e-sign.
3
Underwriting
Our team works the file and sends a clear document checklist.
4
Closing
We close and fund through the title or closing agent.

What investors should know about Maryland

Deed of trust or mortgage, sale and court ratification

Maryland lets a mortgage or deed of trust authorize a sale on default or declare the borrower's assent to a decree for sale. A sale is followed by court ratification before title passes to the purchaser.

Source: Md. Code, Real Property s. 7-105, checked 2026-10-11

Security instrument

Maryland statute recognizes both a mortgage and a deed of trust as instruments that can authorize a power of sale or assent to decree.

Source: Md. Code, Real Property s. 7-105, checked 2026-10-11

Recordation tax on secured debt

Maryland imposes a recordation tax on instruments recorded with a circuit court clerk. Rates are applied to each $500 or fraction of the principal amount of the debt secured, and each county sets its own rate.

Source: Md. Code, Tax-Property s. 12-103, checked 2026-10-11

Mechanic's lien: 180 days

To establish a Maryland mechanic's lien, a claimant must file proceedings in circuit court within 180 days after the work was finished or the materials furnished.

Source: Md. Code, Real Property s. 9-105, checked 2026-10-11

Shoreline and tidal flooding exposure

Maryland Department of Natural Resources describes the state's shorelines as extending over 3,000 miles and as highly susceptible to coastal storms, sea level rise and high tide flooding.

Source: Maryland DNR Coastal Resilience Program, checked 2026-10-11

General information, not legal or tax advice. Confirm details with your own counsel or title agent.

For brokers

Placing a deal in Maryland?

Your client stays your client. We work the deal with you, not around you.

Your compensation is written into the Letter of Intent your client reviews and e-signs, before underwriting begins.

Questions on a Maryland deal? Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST).

What to send for a first look

Property address and type
Purchase price, or current value on a refinance
Loan amount requested and what it is for
Rehab or construction budget, if any
Current or expected rent on a rental
The borrower's experience and estimated credit score
Your timeline to close

Loan programs for Maryland investors

Program availability varies by property and borrower. Business purpose loans only.

Have a deal in Maryland?

Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST) or start online.

Start Your Application Request a Quote Register as a broker

Nothing on this website constitutes a commitment, approval, or guarantee of financing.

Rates, fees, terms, timelines, and program descriptions are subject to change without notice.

Any investor-related or capital discussion is not an offer to sell, a solicitation to buy, or a recommendation of any security or investment product.