I have an investment property in PG county and am trying to refinance it. However, someone told me that PG county charges property transfer tax even for refinancing (not new buy). Does the state charge transfer tax too? how about other counties like Montgomery and Howard? Thanks for anwsering

By: choicefinance.net
In: Uncategorized
124points

qui

i am a first time home buyershouldi pay for transfer tax and also what is the difference between title searc and title exam,im being charge for both,should i be thanks g

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Answer #1

The short answer is that your friend is correct. Investment properties and 2nd homes charge taxes on your mortgage in Prince George's county.
There is only State Recordation Tax in Montgomery and Howard.

I utilize this website to keep track of the different tax rates in the different counties – http://www.eaglequotes.com/titleagents/default.as…

You can use this to play around with different scenarios in different Maryland, DC, and Virginia areas. In the end though, this is a question for a title company so you should reach out to one of your choosing to be certain how taxes will be treated in the different jurisdictions. Call me directly if you'd like a specific quote on your individual situation. I can be reached at 301.517.5434.

Answered By: Eric Strasser Level Rating

42points

Answer #2

The most important thing to me is that when it's a refinance on an investment or 2nd home you get hit with the tax from zero to the new loan amount. If you live in the home it's from the old loan to the new loan and fairly minor. It's $5.00 per thousand if my memory serves but consult with a title attorney to be certain. I use this site as a quick reference. http://www.choicefinance.net/maryland-closing-cos…

Howard and Montgomey do it in a very similar fashion. Howard is the same rate as PG while Montgomery county is 6.90 per thousand and over 500k charges all the way to $10.00 per thousand. We like to soak the "rich" over here apparently. Hope this helps and let us know if you need any more.

Answered By: Level Rating

97points

Answer #3

PG provides a transfer tax exemption on investment property if:

a) It is a refinance (Paying off existing loan) of a property that is NOT your principal residence.

b) You are the original mortgagor or assumed the debt from the original mortgagor. (For tax purposes)

-County Transfer Tax on the difference between the new loan amount and the original amount of the loan(s) being refinanced.

-State Recordation Tax on full new loan amount

-REQUIRED: You must submit a recorded copy of the deed(s) of trust being refinanced.

As with any exemption, it must be the same borrower and same property.

The borrower must pay State fee based on the principal amount of the new loan if it is an investment property. Yes, other counties calculate recordation taxes differently from Prince George's.

Answered By: choicefinance.net Level Rating

124points

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