Mortgage lender in Montgomery County, MD

Buying in Montgomery County

Montgomery County, with its county seat in Rockville, takes in Rockville, Bethesda, Silver Spring, Gaithersburg, Germantown, Potomac and Wheaton. Montgomery 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

$1,249,125 (high-cost area)

2026 FHA limit

$1,249,125 (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. Montgomery County is designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Montgomery County sits inside the Washington, DC metropolitan high-cost area, so its conforming limit is the FHFA ceiling of $1,249,125 rather than the national baseline of $832,750. That matters: a loan that would be jumbo elsewhere in Maryland can still be a conforming loan here, with conforming pricing and guidelines.

Montgomery County, Maryland: federal jobs, high-cost limits and condominiums

Montgomery County is the Maryland side of the Washington suburbs, and it is the most expensive county we lend in. Bethesda, Chevy Chase and Potomac are the top of the market, with loan amounts that run past even the FHFA high-cost ceiling into jumbo. Rockville, the county seat, Silver Spring, Wheaton, Kensington and Takoma Park are established neighborhoods on the Red Line with a mix of older singles, townhouses and condominiums, and Gaithersburg, Germantown, Clarksburg and Olney along I-270 are where the newer townhouse and single-family construction has gone.

Federal employment and its contractors dominate the county's economy, and that shapes the files we see: stable salaried income, verifiable through the standard process, often paired with a condominium or townhouse as the first purchase. Condominiums bring association documents, budgets, owner-occupancy ratios and FHA project approval status into the approval, and we review them before the offer. The county also runs its own Moderately Priced Dwelling Unit program with resale and income rules that a lender has to work within, and we will tell you when a property falls under it.

Steve Umansky, NMLS #61764, is our licensed Maryland originator and handles Montgomery County files personally from our Southampton, Pennsylvania office, by phone, secure portal and e-signature, 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 jumbo financing here and will point you to the state program when it is the better fit.

Montgomery County by the numbers

Median home value

$640,300 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.87% of home value a year: median tax bill $5,539 on a median value of $640,300 (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

Germantown, Silver Spring, Gaithersburg, Bethesda (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $640,300. The 2026 one-unit conforming loan limit here is $1,249,125 and the FHA limit is $1,249,125.

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 Montgomery County buyers ask

Conforming limit shown is the 2026 FHFA figure for Montgomery 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.