Maryland
Foreclosure Process
MJ Adams Law can guide you through the foreclosure process in Maryland.
Facing foreclosure can feel overwhelming. The legal steps, deadlines, and paperwork move quickly—and missing one step can make it harder to keep your home.
But it’s helpful to have a timeline for how the process works, and it’s also helpful to have the right legal time on your side.
Set up a free consultation today.
What’s the Timeline for the Foreclosure Process in Maryland?
Missing a few mortgage payments can feel stressful, but Maryland law requires lenders to give you certain notices before they can fully start the foreclosure process in court. So, while it doesn’t happen overnight, it can move quickly—and knowing what comes next can make all the difference. Here’s how the timeline usually works:
Here’s a quick overview of the timeline:
- Early notices from the lender – Letters and calls will let you know you’re behind. Maryland law requires certain notices before legal action. You’ll usually get a Notice of Default after 30 days.
- Loss Mitigation Affidavits – Lenders are required to submit preliminary and final loss mitigation affidavits in Maryland. After you miss one payment, lenders will send a notice of default that documents that you are 30 days behind. You could receive multiple notices (30 day, 60 day, 90 day, etc.).
- Notice of Intent to Foreclose – If you haven’t caught up on payments within 75 days of the Notice of Default (or anytime thereafter), your lender will send you what’s called a Notice of Intent to Foreclose. This usually includes information about how you can explore loan modifications and other alternatives. This comes 45 days prior to when the lender can file an Order to Docket.
- Court involvement (Order to Docket) – This is where the lender files an official foreclosure. The soonest a lender can file is 120 days after the first missed payment, but it must come at least 45 days after the Notice of Intent to Foreclose. The Order to Docket will be officially served to you. If they are unable to serve you personally, it will be served by taping the notice to the property.
- Request mediation – You have 25 days to request foreclosure mediation, which allows you to sit down with your lender and explore solutions like repayment plans or loan modifications.
- Right to cure/Reinstatement – Maryland law can allow you to bring your loan current even after foreclosure is filed by paying missed payments, fees, and costs.
- Foreclosure sale – If the process continues, the lender can schedule an auction, which must be publicly advertised.
- Court approval of sale – The court must approve the sale, which sometimes gives homeowners a final chance to object if procedures weren’t followed.
The steps are the same whether you live in a Baltimore rowhome or a Montgomery County single-family house—the difference is how quickly you act and the choices you make at each stage.
Reach Out to MJ Adams Law If You’re Facing Foreclosure in Maryland
When you’re up against the foreclosure process, it can feel like everything is out of your control. Letters and notices from the bank or court only add to your stress. But one way to ease that burden is to work with an experienced team. At MJ Adams Law, we will:
- Explain your options clearly – You may qualify for a loan modification, repayment plan, or mediation, but knowing which path fits your situation is key.
- Protect your rights – Lenders want to move quickly. We make sure they follow the rules.
- Handle deadlines and documents – From court filings to mediation requests, we keep track of the details that could stop a foreclosure.
- Stand up for you in court – If the case goes to a judge, we present your defense and challenge any mistakes.
Foreclosure is stressful enough—you don’t have to face it alone. Reach out to my firm today to set up a free consultation and let us talk you through your options.