Stop foreclosure in Maryland.

How foreclosure works in Maryland

• Maryland's hybrid process files through court but moves on a non-judicial-like clock
• Homeowners can demand foreclosure mediation after the Order to Docket
• The 45-day Notice of Intent is a statutory early-warning system — use it

Redemption & second chances

Cure until one business day before sale; sales require court ratification.

What this means for you

That Notice of Intent to Foreclose is Maryland handing you a 45-day head start before anything is even filed. Homeowners who act inside it — filing mediation requests and complete workout packages — routinely turn a foreclosure docket into a modification.

Your options in Maryland

Every tool in the national playbook works in Maryland — what changes is the clock and the order of moves. Federal protections apply here like everywhere else: servicers generally can't start foreclosure until you're 120+ days delinquent, and a complete loss-mitigation application filed more than 37 days before a sale generally pauses it while under review.

• Loan modification — permanently restructure the payment and keep the home
• Forbearance — pause payments fast while you recover
• Hardship & assistance programs — state and federal money that can cure arrears
• Open-market sale — protect your equity with a full-value sale
• Direct cash offer — close in days when the calendar is short