Maryland

Maryland Real Property Code § 7-105. Judicial foreclosure state.

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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?+

You must request mediation within 25 days of receiving the 'Order to Docket' from the court. File the 'Request for Foreclosure Mediation' form (available from the Maryland District Court website) with the circuit court. The mediation: (1) stays the foreclosure proceedings, (2) assigns a trained mediator, (3) the lender must bring a representative with full settlement authority, (4) the goal is to reach a loss mitigation agreement. If you miss the 25-day deadline, you lose the right to mediation — act immediately.

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