DSCR Cash Out Refinance Maryland

Introduction

Maryland real estate investors have a powerful tool available that most traditional lenders won’t tell them about. If you own a rental property in the state — whether in Baltimore City, the Montgomery County suburbs, the Annapolis waterfront, or the Eastern Shore — and you’ve built equity through appreciation or principal paydown, a DSCR cash-out refinance can unlock that capital without requiring a single pay stub, W-2, or tax return. Lendmire’s DSCR investor loan programs qualify borrowers entirely on rental income, making them the go-to solution for Maryland investors whose portfolios don’t look simple on paper.

The Debt Service Coverage Ratio framework evaluates whether a property’s gross monthly rent covers its monthly debt obligation. That’s it. No personal income review, no employment verification, no DTI calculation. For Maryland investors managing multiple properties, operating through LLCs, or simply running their finances in a way that minimizes W-2 income, DSCR underwriting is a fundamentally more accessible path to pulling equity from existing assets.

Lendmire is a nationwide mortgage broker (NMLS# 2371349) working with real estate investors across 40 states. This guide covers everything Maryland investors need to know about DSCR cash-out refinancing — from qualification requirements to specific market strategies across the state’s most active investment corridors.

What Is a DSCR Loan?

Understanding what is a DSCR loan is the first step for any Maryland investor evaluating this product. DSCR stands for Debt Service Coverage Ratio — a single metric that determines whether a property generates enough rental income to cover its own mortgage payment. The calculation is straightforward:

DSCR Formula: Monthly Gross Rent ÷ PITIA = DSCR Ratio

PITIA = Principal + Interest + Taxes + Insurance + Association Dues

DSCR of 1.00 = rent exactly covers the payment
DSCR above 1.00 = property cash-flows positively
DSCR below 1.00 = rent does not fully cover payment (limited options available)

For a DSCR cash-out refinance in Maryland, the standard minimum is 1.00. Some programs accommodate sub-1.00 scenarios with tighter FICO and LTV requirements. Short-term rental income is reduced by 20% before the calculation to account for vacancy and seasonality — a program-specific adjustment that applies to Chesapeake Bay, Ocean City, and Annapolis STR properties. The defining advantage: no personal income documentation is required at any point in the process.

Why Maryland’s Market Makes DSCR Cash-Out Refinancing a Strong Strategy

Maryland’s economy is one of the most recession-resistant in the country, anchored by federal government employment, defense contracting, and healthcare systems that collectively employ hundreds of thousands of workers across the Baltimore-Washington corridor. This employment base doesn’t fluctuate with private sector cycles the way most regional economies do — it creates persistent, year-round rental demand from workers who need quality housing near their jobs. For real estate investors, that translates to low vacancy, strong lease renewal rates, and predictable cash flow that underpins the DSCR calculation.

Property values across Maryland’s primary investment markets have appreciated meaningfully over the past several years. Montgomery County, Howard County, and Anne Arundel County all saw sustained appreciation driven by the same federal employment demand that keeps rents high. Baltimore City’s revitalization corridors — Hampden, Federal Hill, Locust Point, and Remington — produced equity gains for investors who moved early. Even secondary markets like Frederick, Hagerstown, and the Eastern Shore communities saw price appreciation as buyers and renters spread westward and eastward from the core metro areas.

That appreciation creates opportunity. An investor who purchased a Rockville single-family rental in 2019 or an Ellicott City duplex in 2020 is likely sitting on equity that, when accessed through a DSCR cash-out refinance at up to 75% LTV, can fund the next acquisition entirely. No sale required. No capital gains triggered. No personal income documentation needed. The equity does the work — and a DSCR lender like Lendmire provides the mechanism to put it back to work.

Key Benefits of DSCR Cash-Out Refinancing in Maryland

No personal income verification — qualification is based entirely on the Maryland property’s gross monthly rent versus its PITIA payment, not W-2s, tax returns, or pay stubs
LLC and entity ownership fully supported — subject to lender program eligibility — preserving the liability protection structure most Maryland portfolio investors use to hold rental assets
Up to 75% LTV on cash-out refinance for qualifying 1-unit properties (700+ FICO, DSCR ≥ 1.00, loans ≤ $1,500,000), with 70% available for 2–4 unit Maryland properties
Shorter seasoning than conventional — DSCR programs require only 6 months ownership before cash-out refinance, versus 12 months under Fannie Mae guidelines
STR-friendly — Maryland’s Chesapeake Bay waterfront, Ocean City corridor, and Annapolis sailing community qualify under DSCR programs using a 20% reduction to gross STR income
No cap on financed properties — Maryland investors holding more than 10 rental units have no viable conventional path; DSCR programs have no such limit (program dependent)
Closings in as few as 15 days — essential in Maryland markets where rate locks, bridge loan payoffs, and competitive acquisition timelines require operational speed

Thinking about investment properties in Maryland? Lendmire’s specialists work with investors across the country — no W-2s, no tax returns, just the property’s numbers. Call us at 828-256-2183 or apply online to see what you qualify for.

DSCR Loan Requirements for Maryland Properties

Credit Score Thresholds

640 FICO minimum — DSCR ≥ 1.00, loans up to $3,000,000 (purchase transactions only at 640–659)
660 FICO minimum — most refinance and cash-out transactions, including Maryland properties
700 FICO minimum — first-time investors
680 FICO minimum — interest-only loans on 1–4 unit properties
Sub-1.00 DSCR: 660 FICO minimum; options narrow significantly below 680

LTV and Loan-to-Value Limits

DSCR ≥ 1.00: up to 80% LTV on purchases (700+ FICO, loans ≤ $1,500,000)
DSCR < 1.00: up to 75% LTV on purchases (700+ FICO, loans ≤ $1,500,000)
Cash-out refinance: up to 75% LTV (700+ FICO, DSCR ≥ 1.00, loans ≤ $1,500,000)
2–4 unit properties and condos: max 75% LTV purchase / 70% LTV refinance
Condotel: max 75% LTV purchase / 65% LTV refinance
Rural Maryland properties: max 75% LTV purchase / 70% LTV refinance

DSCR Ratio Parameters

Standard minimum: DSCR ≥ 1.00 for cash-out refinance
Sub-1.00 DSCR available with restrictions: 660–700 FICO, reduced LTV
Loans under $150,000: DSCR 1.25 minimum required
Short-term rental properties: gross rents reduced 20% before DSCR calculation

Eligible Property Types in Maryland

Single-family residences (attached and detached), PUDs, 2–4 unit residential properties
Condos (warrantable and non-warrantable), condotels, modular and pre-fab homes
Mixed-use: commercial space must not exceed 49.99% of total building area
Maximum lot size: 5 acres for 1–4 unit / 2 acres for mixed-use

Loan Amounts

1–4 unit properties: $100,000 minimum / $3,500,000 maximum
2–4 unit mixed-use: $400,000 minimum / $2,000,000 maximum
Condotel: $150,000 minimum / $1,500,000 maximum

Loan Terms Available

30-year fixed, 40-year fixed
5/6 ARM, 7/6 ARM, 10/6 ARM (30-day SOFR index)
Interest-only available — 10-year I/O period; 680 FICO minimum required
40-year term available combined with interest-only option

Reserve Requirements

Standard: 2 months PITIA on the subject property
Loans above $1,500,000: 6 months PITIA
Loans above $2,500,000: 12 months PITIA
Cash-out proceeds may be used to satisfy reserve requirements on 1–4 unit properties (not mixed-use)

DSCR vs. Conventional Investment Loans in Maryland

Maryland investors frequently compare DSCR and conventional Fannie Mae financing when evaluating a cash-out refinance. The differences are substantial. Understanding DSCR vs conventional investment loans comes down to six core contrasts that affect whether most experienced Maryland investors can even qualify conventionally — and whether doing so makes strategic sense if they can.

Conventional requires full income documentation and DTI underwriting — DSCR does not. Maryland investors who are self-employed, managing multiple rentals, or whose tax returns are structured to show minimal taxable income often cannot qualify conventionally, regardless of portfolio strength.
Conventional prohibits LLC ownership — DSCR fully supports LLC and entity closing, subject to lender program eligibility. Most Maryland portfolio investors hold properties in LLCs for liability protection; conventional lending forces them out of that structure to close.
Conventional seasoning: 12 months from note date to note date before cash-out eligibility — DSCR seasoning: 6 months minimum. This 6-month window is critical for Maryland investors who purchased with bridge or hard money financing and need to refinance into long-term DSCR debt.
Conventional caps at 10 financed properties total — DSCR has no cap (program dependent). Maryland investors beyond 10 properties have no conventional path; DSCR is the only scalable option.
Both programs cap cash-out at 75% LTV for a qualifying 1-unit investment property — the ceiling is the same on this specific point.
Conventional requires 6 months PITIA reserves on every financed property — DSCR requires only 2 months on the subject property. For a Maryland investor with 8 financed properties, that conventional reserve requirement can tie up hundreds of thousands of dollars in idle capital.

For a Maryland investor holding properties in LLCs, showing primarily rental income rather than wages, and managing a growing portfolio past 5 or 6 units, conventional refinancing is frequently unavailable or impractical. DSCR underwriting is purpose-built for exactly this investor profile.

Maryland Investment Market Deep Dive: DSCR Cash-Out Strategies by Region

Baltimore City: Equity in the Rowhouse Corridors

Baltimore City’s residential investment landscape is defined by its signature rowhouse stock — tightly packed, historically significant, and increasingly valuable as neighborhood revitalization has spread from the Inner Harbor outward into communities like Hampden, Remington, Charles Village, and Locust Point. Investors who acquired rowhouses in these corridors three to seven years ago often purchased at prices that now look strikingly affordable relative to current market values, and the equity gap between purchase price and current appraised value is substantial.

DSCR cash-out refinancing in Baltimore City allows investors to access that appreciation without selling. A rowhouse generating $2,200 in monthly rent with a post-refinance PITIA of $1,700 produces a DSCR of 1.29 — well above the 1.00 minimum and easily qualifying for up to 75% LTV cash-out. Investors can use those proceeds to acquire additional rowhouses in emerging corridors like Station North or Greenmount West, compounding the portfolio using equity already inside the portfolio. Johns Hopkins Hospital, University of Maryland Medical Center, and Morgan State University anchor tenant demand in these corridors.

Montgomery County: Federal Employment and Premium Rental Demand

Montgomery County is Maryland’s wealthiest and most populous county, stretching from Bethesda and Silver Spring near the D.C. border northward through Rockville, Gaithersburg, and Germantown. Federal agency employees, defense contractors working at facilities throughout the county, and technology and biomedical firms concentrated along the I-270 corridor create a tenant pool with high and stable incomes. Vacancy rates for well-maintained single-family rentals and condos in this market are historically low.

For DSCR cash-out refinancing purposes, Montgomery County’s sustained price appreciation makes properties acquired even five years ago candidates for meaningful equity extraction. A Gaithersburg single-family rental appraised at $580,000 with a $280,000 balance — acquired for $420,000 in 2020 — could support a cash-out refinance up to $435,000 (75% LTV), generating over $150,000 in deployable capital with no income documentation required. That capital funds a second county property or an entry into Baltimore City’s value-add market.

Howard County: The Corridor Between Baltimore and Washington

Howard County, centered on Columbia and Ellicott City, sits at the intersection of the Baltimore and Washington metros and benefits from proximity to both employment centers. Leidos, Northrop Grumman, Amazon Web Services, and the National Security Agency in Fort Meade employ a substantial workforce that draws renters into Howard County’s suburban communities. Columbia’s planned community structure, with walkable village centers and consistent demand from young professionals and families, supports strong long-term rental fundamentals.

Ellicott City and Columbia investors who acquired between 2018 and 2022 have seen meaningful appreciation and are well positioned for DSCR cash-out refinancing. The key is confirming that post-refinance PITIA keeps the DSCR ratio at or above 1.00 — achievable in most Howard County scenarios given the premium rents the market commands. The cash proceeds from a Howard County refinance can be deployed into a lower-priced Baltimore City acquisition, creating geographic diversification within a DSCR-managed portfolio.

Anne Arundel County: Fort Meade, Annapolis, and the Bay

Anne Arundel County is anchored by three distinct demand drivers: Fort Meade and the NSA complex in Odenton, the state capital in Annapolis, and the Chesapeake Bay waterfront corridor that attracts both long-term residents and short-term renters. Fort Meade’s workforce — military personnel, government civilians, and a massive contractor community supporting NSA and U.S. Cyber Command — generates a rental market with notably low vacancy and strong lease renewal patterns. Properties within reasonable commuting distance of Fort Meade in Glen Burnie, Severn, and Crofton carry occupancy profiles that support DSCR ratios well above 1.00.

Annapolis adds a waterfront premium layer, with sailors, naval academy community members, and state government employees competing for a limited housing inventory that keeps rents elevated. DSCR cash-out refinancing in Anne Arundel County works best for investors who have held properties long enough to build meaningful equity — typically three or more years given the strong appreciation in this corridor — and want to recycle that equity into a second Maryland acquisition without personal income documentation.

Eastern Shore: Waterfront, STR, and Year-Round Rental Demand

Maryland’s Eastern Shore encompasses a diverse set of investment profiles. Ocean City and Ocean Pines attract investors focused on short-term rental income during peak summer season, with occupancy rates and nightly rates that generate strong gross income even after the DSCR program’s 20% reduction for STR properties. St. Michaels, Easton, and Cambridge draw a year-round waterfront lifestyle market of retirees, remote workers, and second-home buyers who increasingly rent before purchasing, supporting long-term rental demand in these communities.

Eastern Shore investors who purchased before the post-2020 coastal property surge often have significant equity positions, particularly in Ocean City condos and waterfront single-family homes that appreciated sharply when remote work accelerated demand. A DSCR cash-out refinance up to 75% LTV on a qualifying 1-unit STR property (using 80% of gross rental income for DSCR calculation) can generate substantial capital to redeploy into a mainland Maryland rental or a second coastal property. LLC closing is supported — subject to lender program eligibility — allowing investors to maintain their entity structure throughout.

Frederick and Western Maryland: Growth Markets Along I-270

Frederick County has been one of Maryland’s fastest-growing markets for the better part of a decade, driven by population spillover from Montgomery County as buyers price out of the D.C. suburbs and move west along the I-270 corridor. Fort Detrick, a major Army medical and research installation, anchors Frederick’s employment base alongside a growing biotech and life sciences sector. Downtown Frederick’s revitalized historic district draws young professionals who rent before buying, supporting a strong long-term rental market for investors who positioned early.

Hagerstown in Washington County offers a lower entry point with improving fundamentals tied to logistics, distribution, and healthcare employment along the I-81 corridor. For DSCR cash-out purposes, Frederick properties acquired three to five years ago have often appreciated 25% to 35%, creating equity positions that support meaningful cash-out refinance proceeds. Investors in Hagerstown are increasingly using DSCR financing as a mechanism to acquire additional units without personal income verification — particularly useful for investors whose rental income structure makes conventional qualification difficult.

Short-Term Rental and Airbnb Opportunities in Maryland

Maryland’s coastal geography and proximity to major population centers create a compelling STR investment market, particularly along the Chesapeake Bay and in the Ocean City corridor. DSCR loans for Airbnb and short-term rentals accommodate STR income with a 20% gross rent reduction applied before the DSCR calculation — reflecting vacancy risk — while still qualifying many waterfront and resort properties that generate strong seasonal revenue.

Ocean City properties command some of the highest summer nightly rates on the East Coast; even after the 20% STR income reduction, the DSCR calculation on qualifying properties can meet or exceed the 1.00 minimum threshold required for cash-out refinancing
Annapolis and the Chesapeake Bay waterfront support a year-round STR market tied to boating, sailing events, and tourism that reduces the seasonal income gap that purely summer-dependent markets face — strengthening the DSCR calculation on an annualized basis
Maryland STR investors can hold qualifying properties in LLCs and refinance at up to 75% LTV on 1-unit properties — subject to lender program eligibility and confirmed DSCR ratio on adjusted rental income — using cash-out proceeds to fund additional coastal or mainland acquisitions

Example DSCR Scenario: Maryland Single-Family Rental

Consider a Maryland investor who owns a single-family rental home in Rockville, Montgomery County — purchased in 2021 and now substantially appreciated.

Property type: single-family residence (3-bedroom, 2-bath)
Current appraised value: $620,000
Existing mortgage balance: $310,000
Monthly rent: $3,500
Estimated monthly PITIA after cash-out refinance: $3,100
DSCR calculation: $3,500 ÷ $3,100 = 1.13 DSCR
Maximum cash-out refinance at 75% LTV (1-unit): $465,000
Cash-out proceeds after retiring existing balance: approximately $155,000

The Rockville property’s DSCR of 1.13 clears the 1.00 minimum comfortably, and the 75% LTV ceiling is well within program guidelines. No W-2s, no tax returns, no personal income documentation is required — the property’s monthly rent qualifies the loan. LLC and entity ownership is welcome, subject to lender program eligibility. The $155,000 in cash-out proceeds could fund a down payment on a second Montgomery County rental, an Eastern Shore STR acquisition, or an entry-level Baltimore City rowhouse purchase.

This is exactly how many investors scale using DSCR loans across Maryland.

Ready to run the numbers on your next Maryland investment property? Lendmire closes DSCR loans in as few as 15 days — no income docs, no W-2s, and LLC ownership is welcome (subject to lender program eligibility). Reach out today at 828-256-2183 and let’s get started.

DSCR Refinance Options for Maryland Investors

Maryland investors have access to two core refinance paths under DSCR programs. The first is rate-and-term refinancing, which restructures an existing loan’s rate, term, or payment structure without pulling cash out. The second — and more commonly used for portfolio growth — is the cash-out refinance, which accesses equity above the new loan’s LTV ceiling as deployable capital. Lendmire provides detailed guidance on cash-out refinance options for investment properties that apply specifically to Maryland’s market conditions and property types.

The seasoning advantage of DSCR refinancing matters particularly for Maryland investors who acquired using bridge loans, hard money, or private lending. Under DSCR program guidelines, a minimum six-month ownership period is required before a cash-out refinance — compared to twelve months under conventional Fannie Mae rules. That six-month threshold allows Maryland investors to acquire, stabilize, and refinance on an accelerated cycle, compressing the time between acquisitions and reducing the period that expensive short-term capital sits on the balance sheet. Explore the full spectrum of investment property refinance options to identify which path best fits your Maryland portfolio strategy.

Rate-and-term refinancing is the right tool when an investor’s priority is improving cash flow rather than pulling equity. Shifting from a higher-rate bridge loan or an ARM product into a 30-year or 40-year fixed DSCR loan reduces PITIA, which improves the DSCR ratio and creates more reliable monthly cash flow. Interest-only options, available with a 680 FICO minimum, can further reduce PITIA during the early years of ownership — a useful lever for Maryland investors managing the transition from value-add to stabilized rental.

The equity recycling model that defines disciplined DSCR investing looks like this in a Maryland context: acquire a Baltimore City rowhouse or a Montgomery County SFR using a DSCR purchase loan, allow rental income and market appreciation to build equity over several years, refinance at 75% LTV to extract cash, use that cash as the down payment on the next property, repeat. Each Maryland property in the portfolio becomes the seed capital for the next acquisition — without ever injecting new personal savings or triggering a taxable sale event.

For Maryland investors managing larger portfolios, the reserve advantage of DSCR programs is equally important. Conventional lending requires six months PITIA reserves on every financed property — a reserve burden that can lock up enormous amounts of capital across a ten-property portfolio. DSCR programs require only two months PITIA on the subject property, freeing working capital that Maryland investors can keep in deployment rather than sitting idle as lender-required reserves.

Why Maryland Investors Choose Lendmire

Lendmire was recognized as a Scotsman Guide Top Mortgage Workplace in 2026 — a reflection of the team’s operational standards and commitment to investor-focused execution. For Maryland investors, that recognition translates into a lending partner who understands the Baltimore rowhouse market, the Montgomery County premium, the Fort Meade corridor, and the Eastern Shore STR landscape, rather than approaching every state with a generic underwriting template.

Lendmire works with investors across 40 states — including active coverage across all of Maryland’s primary and secondary investment markets
Closings in as few as 15 days — essential for Maryland investors with bridge loan payoff deadlines, rate lock expirations, or competitive acquisition timelines tied to cash-out proceeds
No income documentation — W-2s, tax returns, pay stubs, and employment verification are not part of DSCR underwriting; only the property’s cash flow is evaluated
LLC and entity ownership supported — subject to lender program eligibility — so Maryland investors can close in the LLC structure they’ve already established
Loan amounts from $100,000 to $3,500,000 — covering Baltimore City entry-level rowhouses through Montgomery County premium single-family rentals
Interest-only and 40-year term options available for Maryland investors focused on maximizing cash flow while maintaining qualifying DSCR ratios

Lendmire is a great option for DSCR loans, offering flexible solutions for real estate investors across the country.

Frequently Asked Questions

What is the minimum credit score for a DSCR loan?

The minimum FICO score for a DSCR loan is 640 for purchase transactions with a DSCR at or above 1.00. For most cash-out refinance transactions — including Maryland properties — the minimum is 660 FICO. First-time investors require a 700 FICO minimum. Interest-only loan products require a 680 FICO minimum.

Do DSCR loans require tax returns or W-2s?

No. DSCR loans require no tax returns, W-2s, pay stubs, or personal income documentation of any kind. The only income reviewed is the subject property’s gross monthly rent. This makes DSCR refinancing particularly well-suited for Maryland investors who are self-employed, manage their income through LLCs, or whose tax returns reflect depreciation and deductions that significantly reduce apparent taxable income.

Can I use an LLC to get a DSCR loan?

Yes. DSCR programs support LLC and entity ownership — subject to lender program eligibility. This is one of the core advantages over conventional Fannie Mae lending, which prohibits LLC closing entirely. Maryland investors who hold properties in single-member or multi-member LLCs should confirm entity eligibility with their Lendmire loan officer during pre-qualification.

What is the minimum DSCR ratio required for a cash-out refinance?

The standard minimum DSCR for a cash-out refinance is 1.00, meaning monthly gross rent must at least equal the monthly PITIA payment. Sub-1.00 DSCR options exist but require 660 FICO minimum and reduced LTV. For loans under $150,000, the minimum DSCR is 1.25. Short-term rental properties in Maryland’s coastal markets use 80% of gross rental income (20% reduction applied) for the DSCR calculation.

How long must I own a Maryland property before doing a DSCR cash-out refinance?

DSCR programs require a minimum six-month ownership period before a cash-out refinance is permitted. This is a significant advantage over conventional Fannie Mae loans, which require twelve months from note date to note date before a cash-out refinance. Maryland investors who purchased with bridge financing or hard money and want to transition to long-term DSCR debt can do so as early as six months after closing.

Is Maryland a good state for DSCR cash-out refinancing?

Yes. Maryland’s combination of stable federal employment-driven rental demand, consistent property appreciation in the Baltimore-Washington corridor, and strong coastal STR fundamentals in the Chesapeake Bay and Ocean City markets makes it an excellent environment for DSCR cash-out refinancing. Investors who have held Maryland properties for three or more years are frequently well-positioned for a cash-out refinance at or near the 75% LTV ceiling.

Get Started With DSCR Cash-Out Refinancing in Maryland

Maryland’s investment property market offers a rare combination of stable federal-employment-driven rental demand, sustained appreciation, and diverse geographic opportunity — from urban Baltimore rowhouses to Chesapeake waterfront STRs to fast-growing suburban corridors in Frederick and Howard County. DSCR cash-out refinancing is the mechanism that allows investors to harvest equity from existing Maryland assets and put it back to work in new acquisitions — without income documentation, without LLC restructuring, and with a closing timeline as few as 15 days.

If you’re ready to assess what your Maryland rental portfolio can support in a cash-out refinance, explore DSCR loan options with Lendmire today. Our team works with Maryland investors at every stage — from a single SFR to a growing portfolio of 20 or more units — and can walk you through qualification, DSCR ratios, and the exact capital your properties can generate.

Whether you’re buying your first rental or your fifteenth, our team can move fast and get it done right. Don’t wait on a deal — call Lendmire now at 828-256-2183.

The right DSCR lender makes the difference between closing on time and losing the deal. Make the call today.

Disclaimer

For informational purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. All property values, rental rates, and market data referenced are approximate and based on publicly available information as of the date of publication. Lendmire is a licensed Mortgage Broker, NMLS# 2371349, Equal Housing Opportunity.

Reviewed By

Last reviewed: May 18, 2026

Brandon Miller

Founder & CEO, Mortgage Loan Originator, Lendmire LLC

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Disclosure information. Lendmire is a state-licensed mortgage brokerage under NMLS# 2371349. Lendmire is not a depository institution, direct lender, or financial advisor — all loans referenced are placed through wholesale lender partners and are subject to each lender's underwriting standards. This article is provided for general informational purposes and is not a commitment to lend, nor does it constitute financial, legal, or tax advice. Loan programs, terms, rates, and qualification standards change without notice and depend on borrower profile, property type, and the state in which the subject property is located. Equal Housing Opportunity provider. NMLS Consumer Access: nmlsconsumeraccess.org.