The state of Maryland outlined with the state flag overlaid on top of it


VA Loans in Maryland

The VA Loan is one of the most powerful tools available exclusively for military families and veterans. In Maryland, veterans and active-duty military have been taking advantage of the benefits of the VA Loan in cities such as Baltimore, Columbia, Germantown, Silver Spring, Annapolis, and Waldorf.

The cost of homes across the United States has been steadily increasing in recent years. With a $0 down payment requirement, no PMI, lower interest rates, and a more relaxed credit score requirement, the VA Loan is making homeownership a reality for more military families and veterans in Maryland now than ever before.

Median Sale Price of Homes in Maryland*







Silver Spring






Maryland Statewide Average


*Data pulled from Redfin (April 2022)


Property Taxes in Maryland

In the state of Maryland, property taxes are just below the national average of 1.07% with a rate of 1.06%, according to SmartAsset. Property tax bills must be paid by September 30th in full unless residents elect to pay semiannually. If paying in installments, payments are due in equal sums with the first payment due September 30th and the second due December 31st. There are several tax exemptions in Maryland that you may be eligible to take advantage of including for low-income seniors, disabled residents, disabled veterans, and more.

VA Disability in Maryland

Common property tax exemptions are reserved for veterans, disabled veterans, seniors over the age of 65, and more. Since these exemptions can vary by county and state and often have strict qualification standards, not every veteran or homeowner qualifies, but those that do are able to reap the benefits of significant savings.

Disabled veterans in Maryland that have a 100% service-connected disability can get a full property tax exemption on their primary residence. Since these rates can vary based on location (i.e., exemptions in Baltimore may be different from those in Silver Spring, Annapolis, or Columbia), you’ll want to contact your local municipal tax assessor’s office.

Insurance Programs in Maryland

Natural disasters can happen anytime and are often unexpected or occur suddenly which makes it critical that you and your family are sufficiently covered. The most common natural disasters in Maryland that homeowners are insured against include hurricanes, flooding, and tornadoes. The best way to ensure you’re getting the best coverage for your location; we recommend you consult with a licensed insurance company.

Military Presence in Maryland

Maryland is home to 11 military bases including some of the most powerful and large bases found anywhere in the country due to its vicinity to Washington, D.C.. Since there are almost a dozen military bases in Maryland and every branch of the military has a base in the state with the exception of the Marine Corps, thousands of veterans call it home.

VA Home Loan Volume in 2021 in Maryland*

Total Loans


Average Loan Amount


Total Loan Amount (ALL)


Total Purchase Loans


Total Purchase Loans %


Total IRRRL Loans


Total IRRRL Loans %


Total Cash-Out Loans


Total Cash-Out Loans %


*Data pulled from the Department of Veterans Affairs (April 2022)

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FAQ’s about VA Loans in Maryland

How do I buy a house in Maryland? The best way to get started is to give us a call or fill out this form to get started!

How do I find more information about property taxes and exemptions for veterans in Maryland? Click here to read more details regarding major property tax exemptions in every state.

What are the average interest rates in Maryland? Interest rates for VA Loans are often lower than the national average rates for conventional loans. Click here to learn more about interest rates.