Michael Adams
O:410-260-2045
M:717-802-0519
NMLS: 2166659
NMLS: 2166659
With his specialized lending experience, Michael Adams is the trusted partner homebuyers, builders, and homeowners turn to when financing becomes complex. Whether clients are building a custom home, completing a large‑scale renovation, or securing a second‑home retreat, Michael brings the rare combination of deep product knowledge, hands‑on construction financing expertise, and clear communication that makes the entire process feel manageable.
He is widely recognized for his mastery of construction‑to‑permanent loans, including single‑close and bridge options, renovation financing for primary and second homes, lot and land loans, portfolio lending, and second‑home and vacation‑property financing. Clients choose Michael because he simplifies what is often the most confusing part of building or renovating: the financing. His goal is always the same, turn complex scenarios into clear, actionable, stress‑free solutions tailored to each client’s vision.
Beyond construction and renovation lending, Michael supports today’s homebuyers with a full suite of financing options, including jumbo and high‑balance loans, solutions for self‑employed borrowers, and guidance for first‑time buyers. His expertise and steady guidance have earned him recognition throughout the region, including a feature in Annapolis Home Magazine for his accomplishments and ability to make one of the most challenging areas of lending feel accessible. Michael’s approach is rooted in three core principles: clear communication, client education, and customized solutions. Clients appreciate his calm, proactive support, especially during projects where budgeting, timelines, and approvals are critical.
When he’s not helping clients build or finance their homes, Michael enjoys spending time with his family, especially his daughter Emerson, and exploring the best of Annapolis’ coastal lifestyle, from the waterfront to local favorites like Lewnes’ Steakhouse. His personal motto, “Building the Extraordinary, Together,” reflects both his passion and his partnership‑first approach to lending.
