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

Apply for a Home Equity Loan

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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.

Great team of people who are fast and efficient. I have had several loans and every time I return they treat me with respect and fairness.

Wayne Espeut

12/02/2021

Had the paperwork all set, explained all the charges, etc. Fast & efficient. Reasonable rate considering my financial situation.William Mable is the man!

Daniel Edwards

11/27/2021

Had the paperwork all set, explained all the charges, etc. Fast & efficient. Reasonable rate considering my financial situation.
William Mable is the man!

Daniel Edwards

11/26/2021
Chris and William were both so kind and patient. The entire process was so simple compared to what I expected. I applied and within hours I had a check in hand for exactly the amount I asked for. Thank you Bay Country for providing service to people with less than perfect credit. This really saved me!!!

Katherine Baer

11/16/2021

Bay Country has been very good. The Staff are friendly, kind and willing to help you in all ways. I definitely recommend this Financial Service for any need you may have. They commit to customer satisfaction. Thank you

Linda Scott

11/15/2021

Excellent service!!! Thank you!!!

ayana jones

11/12/2021
I’m very pleased with the service here. Simple, fast and helpful!

KAJ Alicia

11/03/2021

My representative was friendly, fast and very professional! She treated me as a valuable customer. They will always be my source for a loan.

Monica Brunson

10/30/2021

Awesome customer service

Mark proctor

10/30/2021
Staff was friendly and professional. Will definitely use again and recommend!

monee hill

10/29/2021

The loan process was easy. The staff was very friendly and professional which made for an enjoyable visit

Fran Jackson

10/26/2021

Very professional and gave me the details needed to receive what I needed.

CYPHER_Cookie o.o

10/22/2021
They helped me save money by giving me a lower interest rate

Alicia Lyles

10/13/2021

The staff at Bay country are very professional and efficient.

Ramsey Johnson

10/09/2021

Chris was my loan officer. I could not have met a better Gentleman. He was very professional and quick but took the time to explain everything very well and in detail. He honestly took the edge off because I was a little skeptical about the whole process. Everything went Great however the bottom line is to pay the loan back as fast as possible to avoid paying alot of high interest. Period. I will definitely recommend this company. Job well done Bay Country Finance.

Tieknee Wood

10/02/2021
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

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Home Equity Loans