Maryland
Maryland Real Property Code § 7-105. Judicial foreclosure state.
Judicial Type
Judicial
Redemption
No statutory right of redemption after ratified foreclosure
Deficiency
Lender may pursue deficiency. However, Maryland's Loss Mitig
Mediation
Maryland Foreclosure Mediation Program: available for owner-
Statute Citation
Md. Code Real Prop. §§ 7-105 to 7-105.12
Redemption Period
No statutory right of redemption after ratified foreclosure sale. The sale is final when ratified by the court. However, filing exceptions to the sale (objections) — effectively blocks ratification until heard.
Deficiency Judgment Rule
Lender may pursue deficiency. However, Maryland's Loss Mitigation Program and strict standing requirements often result in lenders waiving deficiency in exchange for a smoother process.
Notice Requirements
Notice of intent to foreclose mailed 45 days before filing. Foreclosure action filed with the circuit court. Order to docket — notice of foreclosure sent to borrower. Notice of sale published. Maryland has a detailed multi-step notice process.
Mediation Program
Maryland Foreclosure Mediation Program: available for owner-occupied residential properties. Request must be made within 25 days of receiving the order to docket.
Key Provisions
- Judicial foreclosure with ratification by the circuit court
- 45-day pre-filing notice of intent to foreclose
- Mediation program available to owner-occupants
- Borrower may file exceptions to the sale (objections) — stays ratification
- Strict standing and notice requirements
Homeowner Protections
- 45-day pre-filing notice gives significant time to act
- Foreclosure mediation program with court-appointed mediators
- Filing exceptions to the sale stays the ratification
- Judicial ratification of the sale provides court oversight
- Strong standing and documentation requirements
Frequently Asked Questions
How do I request foreclosure mediation in Maryland?+
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