Md. Code, Financial Institutions § 11–521

(a) A mortgage lender shall require a borrower to provide the mortgage lender with independent evidence of the commercial purpose of the loan where the loan is:

(1) Secured, in whole or in part, by any interest in a dwelling or residential real estate in Maryland; and

(2) In excess of $75,000.

(b) Other than the requirements of subsection (a) of this section, a mortgage lender is not required to make an independent investigation to obtain independent evidence of the commercial purpose.