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Baltimore metro · MarylandMortgage lender in Anne Arundel County, MD
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in Maryland and makes purchase and refinance loans in Anne Arundel County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for Maryland. For 2026 the one-unit conforming loan limit here is $832,750 and the FHA limit is $747,500.
Reviewed by Steve Umansky, Sr. Branch Manager, NMLS #61764,
From Annapolis to Crofton: what changes locally, what does not, and how to find out in fifteen minutes what you actually qualify for.
Buying in Anne Arundel County
Anne Arundel County, with its county seat in Annapolis, takes in Annapolis, Glen Burnie, Severna Park, Odenton, Pasadena and Crofton. Anne Arundel County files are handled personally by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Maryland, from our Southampton, PA office.
- 2026 conforming limit
- $832,750
- 2026 FHA limit
- $747,500 (one-unit, set by HUD)
- Above that
- Jumbo pricing
- Closing handled by
- title company or attorney
- State housing agency
- Maryland Mortgage Program (Maryland DHCD) (not a participating lender)
- Your officer
- Steve Umansky, NMLS #61764
2026 limits for a one-unit property. Anne Arundel County is not designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.
The 2026 baseline conforming limit is $832,750 nationally, and that is the figure that applies in Anne Arundel County. Loans above it are jumbo, which means tighter reserves and different pricing.
Anne Arundel County: Annapolis, Fort Meade and the waterfront
Anne Arundel County stretches from the Baltimore suburbs of Glen Burnie, Pasadena and Severna Park down through Annapolis, the county seat and state capital, to the rural south county around Edgewater, Deale and Shady Side. Crofton, Odenton, Gambrills and Severn in the west of the county have grown around Fort George G. Meade and the National Security Agency, and VA financing is a large share of what we do here. Annapolis and the Broadneck and Severna Park peninsulas are the premium markets, with waterfront and water-privileged communities on the Severn, Magothy and South rivers.
Water is the county's defining lending question. Waterfront and near-water addresses often sit inside mapped flood zones, so we pull the FEMA determination and price flood insurance before you write the offer, and older waterfront cottages bring condition items into the appraisal. South county properties are frequently on private wells and septic systems that require testing, and some addresses fall inside USDA's eligible area. Anne Arundel is in the Baltimore metropolitan area, where the conforming baseline applies rather than the Washington high-cost ceiling.
Steve Umansky, NMLS #61764, is our licensed Maryland originator and handles Anne Arundel County files personally from our Southampton, Pennsylvania office, with the closing at a Maryland title company. Stellar is not currently a participating lender for the Maryland Mortgage Program's bond and assistance products; we offer conventional, FHA, VA and USDA financing here and will point you to the state program when it is the better fit.
Anne Arundel County by the numbers
- Median home value
- $467,900 (Census Bureau, ACS 2020–2024, table B25077)
- Typical property tax
- About 0.85% of home value a year: median tax bill $3,957 on a median value of $467,900 (Census Bureau, ACS 2020–2024, table B25103)
- Transfer tax
- State transfer tax of 0.5% of the price; county recordation tax is separate and varies (Maryland Code, Tax-Property § 13-203)
- Largest communities
- Glen Burnie, Severn, Odenton, Annapolis (Census Bureau, ACS 2020–2024, table B01003)
The county median home value is $467,900. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $747,500.
Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.
Closing and programs in Maryland
Closings in Maryland are typically handled by a title company or attorney. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Maryland page. Property taxes are set locally; we take the figure from the tax record for the address.
Questions Anne Arundel County buyers ask
Does Stellar Mortgage lend in Anne Arundel County, MD?
Yes. Stellar Mortgage Corporation is licensed in Maryland and lends throughout Maryland, including Anne Arundel County. Steve Umansky, NMLS #61764, is our licensed originator for Maryland and works Maryland files from our Southampton, PA office.
What is the 2026 conforming loan limit in Anne Arundel County?
For 2026 the one-unit conforming limit in Anne Arundel County is $832,750, the FHFA baseline. Loans above that are jumbo, which brings tighter reserve and credit requirements. FHA limits are set separately by HUD and are usually lower; we check both for the property address before quoting.
Is there down payment assistance for first-time buyers in Anne Arundel County?
Maryland's housing agency, Maryland Mortgage Program (Maryland DHCD), runs the state's bond and assistance programs. Stellar is not currently a participating lender for those, and we say so up front. What we offer Anne Arundel County first-time buyers: conventional loans with low down payment options for qualifying buyers, FHA loans with a low down payment, VA loans with little or no money down for eligible service members and veterans, and USDA financing with little or no money down where the address qualifies. Sellers can contribute to closing costs, and gift funds from family are allowed. If an agency program is the better fit for you, we will tell you.
How fast can I get pre-approved to buy in Anne Arundel County?
Once we have your application, credit, and the documents on our checklist, most buyers have a letter within one to two business days. If you have already found a home in Annapolis or anywhere else in Anne Arundel County and are writing an offer, tell us on the form and we prioritize the file.
What is the 2026 FHA loan limit in Anne Arundel County?
For 2026 the FHA limit for a one-unit home in Anne Arundel County is $747,500, set by HUD. The conforming loan limit is $832,750. Limits for two- to four-unit properties are higher.
Who pays the transfer tax in Anne Arundel County?
The state transfer tax is 0.5 percent of the price. For a first-time Maryland home buyer purchasing a principal residence it is 0.25 percent and must be paid by the seller. County recordation tax is separate and varies; the rest is divided as the contract says.
Conforming limit shown is the 2026 FHFA figure for Anne Arundel County. FHA limits and state agency caps are set by HUD and Maryland Mortgage Program (Maryland DHCD) and change periodically. Verify on the official source. Not a commitment to lend.
Get pre-approved in Anne Arundel County
Three quick steps, about a minute. No Social Security number, no pay stubs. Steve calls you back, usually the same business day.
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“You were always professional, responsive, patient, and helpful, and you made what could have been a stressful process feel smooth and easy.”Yelda A., North Wales, PA · verified review on Experience.com
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