Home Equity Loans

If you own your home, you may be able to borrow funds based on the equity you’ve accumulated.

As the best home equity loan company in Maryland, Bay Country Financial Services offers fixed-rate options to consolidate debt or pay for home improvements. Approved loan amounts to qualified borrowers are based on a primary Maryland residence and subject to the Appraised Value less any first mortgage balance and are subject to our normal credit criteria.

NMLS No. 194784

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The minimum and maximum period for repayment are 12 – 72 months. The maximum Annual Percentage Rate (APR) is 18 -24%. Your terms vary based on personal information like credit history, income, expenses, debts and acceptable collateral. As an example, if you borrowed $5,000 with a 23.99% APR and 48-month term, your payments would be $179.80 per month. This example is based on an average customer with good credit.

The Greatest Compliment Our Clients Can Give is the Referral of Their Friends and Loved Ones.

I was very pleased with your customer service.

catherine lee

9/17/2021

Very understanding worked with me they understand times hard at the moment definitely showed me they care and wanna help ease the stress

Kevin Hill

8/30/2021

The entire staff was courteous and professional. William was especially helpful. He was very knowledgeable and patient with me. He answered any and all questions thoroughly yet concisely.

Gerald Bemrick

8/27/2021
If you are in need of a small loan call them. Amber was very professional and extremely organized. We are repeat customers and highly recommend them

Anita Abbott

8/24/2021

The staff in the office is very friendly (Jennifer). I would definitely recommend Bay Country. Their professionalism shows on how they care for their customers. Thank you!! Danielle

Instructor Danie

8/20/2021

Excellent customer service at all times! The staff are always friendly and professional

Dwain Johnson

8/18/2021
I had a great experience with Bay Country. It was a quick and no hassle process. I would definitely recommend them to my family for their financial needs.

Yvette Shelton

8/17/2021

The gentlemen that approved the loan was very nice. The lady that I completed my paperwork with was also nice. Third loan with this company and it is always a good experience. Thank you Bay Country.

Shannon Gough

8/17/2021

It did not take no time very friendly professional will share the great experience with other. I had an answer with in minutes. Thanks you all so much keep up the great work for helping.

Kimberly Hebron

8/03/2021
Always there when you need em

The Lapel Show BJJ and MMA NEWS

7/13/2021

Everyone was professional at the Easton location and I will be using them again!!!

Jarrell Whaley

6/26/2021

The staff was very professional, every detail was explained I was in and out within a hour.

Hazel Barnes

6/25/2021
The team was great and very helpful! I would recommend.

Arthur Page

6/16/2021

Thanks so much, great place, good people. There when you need them.

Lisa Cook

6/08/2021

Started off a little rough on my part but they really really helped me out

Tia Hughes

5/20/2021
Each person that I met was very professional and friendly and there was hardly any waiting time. My loan officer was knowledgeable and friendly.

TCA Rezy

5/05/2021

I have never been turned down by them.Good place to do business with!!!!!!

barbara griffin

4/02/2021

Chris was very professional and knowledgeable. We were in and out in no time.

Gary Liebrich

3/28/2021
My wife and I have had a several loans thru Bay Country and its always been a pleasant, professional experience. The only reason this isn't a 5 Star response is because they don't have the ability for customers to pay online. That convenience would be major.

Antwon Grant

3/18/2021

I have had several loans from the Glen Burnie office. My experiences have been pleasant. The team members are professional even when there is a problem. They are easy to work with and they find solutions to your needs. Customer for life! Christie was great to work with on my most recent loan. The young lady at the reception area is always friendly and welcoming.

Derek Wilson

3/07/2021

I have had several loans from the Glen Burnie office. My experiences have been pleasant. The team members are professional even when there is a problem. They are easy to work with and they find solutions to your needs. Customer for life!

Derek Wilson

3/06/2021
I been dealing with this company for years it’s the best everyone works here is friendly they get u in and out and they work with you with payments I give bay country 10 stars.

Quanita Thompson

2/10/2021

They have been so kind and helpful since our first loan!!!

Carlos Spriggs

2/04/2021

Chris was very knowledgeable and answered my questions. This is my second loan and I highly recommend Bay Country.

Robyn Miller

1/28/2021
Johnnie was excellent. It was like we were old friends and it was my first time speaking with her. Very professional and got me approvedquick. I met Chris when I came in to sign my papers, and he was excellent as well. All the staff in this branch are very professional and courteous. Thank you

Lucy Powell

1/23/2021

My experience is always the best totally appreciated at a time of need for me quick and done happy holiday to everyone there

Elsie Brooks

12/24/2020

My agent was great. Very helpful and compassionate to my financial need. She always sends me little notes as a thinking of you and makes herself available to me if needed. The process was easy and seamless. I would recommend this company to family and friends who may find themselves in difficult financial constraints.

Mrs Capricorn

12/18/2020
Excellent customer service at all times!

Dwain Johnson

12/11/2020

Thank you William for your great service, and a Special Thank you to the manager Tom for making it happen😁

Felicia Wade

12/11/2020

I am in the process of rebuilding my credit and they approved me for a auto loan of like $7000; which I am very thankful for. My payments are very low which I love and I easily make my half payment each week, my only con is that they do not report on my credit report . Overall I’ve had no issues with this bank and I can’t wait to pay off my loan ! 😁

Ajia Dashawna

11/25/2020

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Home Equity Loans