Do I have to disclose problems if I sell as-is?

Maryland sellers give buyers either a disclosure statement (describing the condition) or a disclaimer (selling as-is with no representations). Even with the disclaimer, you must disclose latent defects you actually know about: serious problems a careful buyer would not find on a normal inspection, such as hidden structural damage.

Can I sell my own house in Maryland without an agent?

Yes. You will need a written contract, the Maryland disclosure or disclaimer form, the federal lead paint disclosure for homes built before 1978, and a title company or attorney to handle settlement. Pricing, marketing and negotiating repairs are on you.

What is the best time to sell a house in Maryland?

Spring, from about March through June, usually brings the most buyers. Many agents list on a Thursday so the home is fresh for weekend showings. A well-priced home sells in any season, and winter listings face less competition.

Maryland guides

Can you sell a house as-is in Maryland?

Yes. You can sell without making repairs, and Maryland lets you give buyers a disclaimer instead of a full disclosure. You still have to tell them about serious hidden defects you know about.

By Stephen Wilson, REALTOR and owner of a licensed Maryland general contractor. Updated October 25, 2026.

What as-is means in Maryland

Selling as-is means you will not make repairs or give repair credits as a condition of the sale. It does not mean the buyer cannot inspect. Most buyers still inspect, and many write the inspection contingency so they can walk away if they find more than they expected. Lenders also have rules: an FHA or VA appraiser can require some safety repairs before the loan closes, which is why many as-is sales go to cash or conventional buyers.

Disclosure or disclaimer

Under Maryland law, the seller of a one-to-four unit home gives the buyer one of two forms on the state's Residential Property Disclosure and Disclaimer Statement:

Disclosure: you answer questions about the roof, plumbing, electrical, water, basement and so on, based on what you actually know.
Disclaimer: you sell as-is and make no representations about condition, except that you must still disclose latent defects you know about.

If the buyer does not get the form before signing, they can usually cancel within a short window after receiving it. Other required paperwork can include the lead paint disclosure for homes built before 1978 and local addenda in Baltimore City and some counties. Ask a Maryland real estate attorney if you are unsure what you have to disclose.

Pricing an as-is house

Buyers subtract what they think the repairs cost, and they usually guess high. That gap is the real cost of selling as-is. We close it two ways: Stephen owns a licensed Maryland contractor, Monarch Bay Renovations, so we can give buyers a real repair estimate instead of a guess, and we can tell you which small fixes (paint, flooring, a failed system) earn back more than they cost before you list.

Compare the options side by side: a cash offer from an investor, an as-is listing on the open market, and a listing after targeted repairs. The selling page explains how we run each one.

Selling without an agent

For-sale-by-owner is legal in Maryland. You need a solid written contract, the disclosure or disclaimer form, the lead paint form if the home is older, and a title company to hold the deposit, clear title and run settlement. The hard parts are pricing it right, getting the home in front of buyers who are working with agents on Bright MLS, and negotiating after the inspection.

When to list

Spring usually brings the most buyers and the strongest prices; the slowest stretch is typically the holidays and early winter, when the fewest homes sell. Listing late in the week gets the home in front of weekend buyers while it is new. Timing matters less than price and condition, though: a well-priced home sells in any month.

Also budget for the closing taxes and any tax on your gain; our selling tax guide covers both. Facing a foreclosure or a deadline? Call us first; the earlier we talk, the more options you have.

Quick answers

Can you sell a house as-is in Maryland?: Yes. You can list and sell without making repairs, and say so in the listing and contract. Buyers can still inspect, and they can still ask for repairs or a lower price; as-is means you are not obligated to agree.
Do I have to disclose problems if I sell as-is?: Maryland sellers give buyers either a disclosure statement (describing the condition) or a disclaimer (selling as-is with no representations). Even with the disclaimer, you must disclose latent defects you actually know about: serious problems a careful buyer would not find on a normal inspection, such as hidden structural damage.
Can I sell my own house in Maryland without an agent?: Yes. You will need a written contract, the Maryland disclosure or disclaimer form, the federal lead paint disclosure for homes built before 1978, and a title company or attorney to handle settlement. Pricing, marketing and negotiating repairs are on you.
What is the best time to sell a house in Maryland?: Spring, from about March through June, usually brings the most buyers. Many agents list on a Thursday so the home is fresh for weekend showings. A well-priced home sells in any season, and winter listings face less competition.

This guide is general information, not legal, tax or financial advice. Rules change and vary by county; confirm the details for your situation with the agency named above, a tax professional or an attorney.