Today, we here at Peak Personal Finance are looking at the best home loans in Maryland.

These rates assume a credit score of at least 700, a down payment and/or equity of up to 20%, and cash on hand for any fees or other costs associated. Rates are ranked by annual percentage rate (APR), a closer indication of actual interest paid.

30 Year Fixed Best Home Mortgage Rates in Maryland
American Lending Group offers a 4.753% APR (4.5% interest) with 2 points and a $1,495 fixed fee on a 30 day lock in. Reducing this to 0.5 points raises the APR to 4.873%.

Mortgage Capital Associates offers a 4.851% APR (4.625% interest) with 2 points, $950 in fixed fees, and a 30-day lock in period.

EverBank has a 4.859% APR (4.625% interest) with 2 points and $1,095 in fees with a 30-day lock in.

15 Year Fixed Best Mortgage Rates in Maryland
Best home mortgage rates for this term are at JBL Mortgage with a 4.382% APR (4.25% interest) with no points and $1,454 in fees. There is a 30-day lock in for this rate.

AAXA Discount Mortgage has a 4.413% APR (4.25% interest) at this term as well with low fees based on 1 point. A 30-day lock is also offered. The rate can increase to 4.429% APR and have a fixed fee of $599 as well.

American Lending Group has a 4.461% APR (4.25% interest) with 0.5 points and $1,495 in fees with a thirty day lock in.

5/1 Adjustable Rate Mortgage (ARM) Best Home Loans in Maryland
If an ARM is best for your situation, the best mortgage interest rates are currently at Avant Lending Group with a 3.289% APR (3.875% interest) with no points and a fixed $995 in fees. A 30-day lock in is available.

American Lending Group offers a 3.313% APR (3.875% interest) with no points and fixed fees of $1,495 and 30-days lock in.

JBL Mortgage has a 3.58% APR (3.75% interest) with 1 point and fees of $1,454 and a 30-day lock in.

Your situation will vary, of course. Talk to your financial adviser and your mortgage broker to find the deal that’s best for your situation and needs.