Maine
14 M.R.S.A. § 6321. Judicial foreclosure state.
Judicial Type
Judicial
Redemption
90 days from date of judgment for most residential property.
Deficiency
Lender may pursue deficiency. Deficiency limited to debt − f
Mediation
Foreclosure Diversion Program: mandatory for owner-occupied
Statute Citation
14 M.R.S.A. §§ 6321-6325
Redemption Period
90 days from date of judgment for most residential property. The borrower may redeem by paying the full debt amount determined in the judgment.
Deficiency Judgment Rule
Lender may pursue deficiency. Deficiency limited to debt − fair market value (determined by court). Motion for deficiency must be made within the foreclosure action.
Notice Requirements
Foreclosure complaint served. Maine requires strict compliance with notice of default requirements: a notice of default and right to cure must be mailed 35 days before the foreclosure complaint is filed. Notice must include statutory language explaining the borrower's rights.
Mediation Program
Foreclosure Diversion Program: mandatory for owner-occupied residential mortgages. Mediation occurs before the foreclosure judgment can be entered.
Key Provisions
- Judicial foreclosure required for residential property
- 35-day pre-complaint notice of default is mandatory — failure to comply is a defense
- Foreclosure Diversion Program provides mandatory mediation
- 90-day redemption period after judgment
Homeowner Protections
- Mandatory mediation program (Foreclosure Diversion Program)
- 35-day pre-complaint notice gives time to seek assistance before lawsuit
- Judicial process with full due process
- 90-day post-judgment redemption period
- Strict pre-suit notice requirements — lender non-compliance supports dismissal
Frequently Asked Questions
How does Maine's Foreclosure Diversion Program work?+
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