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  • Emilio Ten
  • vipnekretnine
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  • #4

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Opened Jun 17, 2025 by Emilio Ten@emilioten5571
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Foreclosure Steps And Timeline


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  • How Do I.? - Evaluate My Situation
  • Alternatives to Court
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  1. Real Estate and Other Housing
  2. Foreclosure
  3. Foreclosure Steps and Timeline

    Foreclosure Steps and Timeline

    This short article explains the steps and timeline of a foreclosure case from starting to end.

    1. Mortgage in default

    Default = 1 day past mortgage due date
  • Lender sends out Notice of Intent to Foreclose (generally sent out 45 days after default) and a loss mitigation application

    2. Foreclosure submitted in Court

    - Lender's law practice files Order to Docket. - Can file at any time after 45 days from when the Notice of Intent to Foreclose is sent (or 90 days in default)

    - Lender should wait 28 days after filing the Order to Docket before filing the last loss mitigation affidavit
  • Lender needs to file the last loss mitigation affidavit a minimum of 30 days before sale

    3. Foreclosure mediation (optional step)

    - Homeowner must file mediation request and send a payment of $50, within 25 days of:

    - The Order to Docket, if final loss mitigation affidavit served at same time
  • Receipt of last loss mitigation affidavit submitted after the Order to Docket is submitted
  • In either case - 25 days from last loss mitigation affidavit

    - 45 days after the house owner has actually been serviced with the Order to Docket if it has a last loss mitigation affidavit submitted with it; or
  • thirty days after the final loss mitigation affidavit is served if it is filed after the Order to Docket is filed

    - Within 5 days of receiving a mediation request, the Circuit Court will forward the request to Office of Administrative Hearings (OAH)

    - OAH will arrange the mediation within 60 days of receiving the request. OAH can extend the time up to 1 month for good cause or longer if all parties agree. - OAH will send the property owner a scheduling notice
  • OAH will likewise consist of guidelines for documents that require to be supplied to OAH and the lending institution's law practice prior to the mediation. These documents must be provided no later on than 20 days before the scheduled date of mediation.

    - OAH files a report with the court within 7 days after the mediation - If there is no contract in mediation, the Lender schedules the home for foreclosure sale.
  • The Lender can schedule the sale as quickly as 15 days after the mediation has actually taken place

    4. Foreclosure sale

    - Homeowner may submit a movement to remain or dismiss under Maryland Rule 14-211 if they have a legitimate defense on why the lending institution does not can foreclosure on their home. - The motion to stay must be filed within 15 days after the mediation is held. If no mediation takes place, then the movement needs to be filed within 15 days after OAH files its report with the court. This may occur if one party stops working to stand for mediation.
  • The property owner might file a stay if the homeowner has not received a last determination on the finished loss mitigation application that was gotten by the lender a minimum of 37 days before the sale date.

    - When the lending institution schedules the foreclosure sale, they need to offer notification to property owner. - Notice should be provided no later than 10 days and no quicker than 30 days before the scheduled sale

    - The Homeowner has the right to treat the default by paying all past due payments, charges, and costs and reinstate the loan at any time approximately 1 service day before the foreclosure sale takes place.
    redflagdeals.com
    - Within 2 week after a post ponement or cancellation of a sale, the Lender's law office shall send a notice that the sale was delayed or cancelled to the customer and/or the Homeowner. The notices shall be sent by first-rate mail, postage prepaid.

    - Once the foreclosure sale has happened, the lender must submit a report of sale with the Circuit Court - The report should be filed within 30 days after the sale

    - The Court Clerk concerns a notice that the sale will be validated within 30 days of Clerk's notification

    - If a property owner wants to file exceptions to sale, it must be filed with the Court within thirty days after the clerk's notification

    - The Circuit Court validates the sale after the time for exceptions has previous or exceptions have actually been overruled
    redflagdeals.com
    - After the foreclosure sale takes place and the buyer from the foreclosure sale finishes settlement, the court designated auditor will file the Auditor's Report with the Court. - The Homeowner and any junior lienholder is entitled to receive a copy of the Auditor's Report.
  • The Auditor's Report will reveal a deficiency or a surplus.
  • If the Auditor's Report reveals a shortage, then the Lender might file a Motion for Entry of a Shortage Judgment.
  • If the Auditor's Report reveals a surplus, then the court auditor will suggest to the Court how the profits need to be dispersed.

    5. Eviction

    - The purchaser from the foreclosure sale submits a Movement for Entry of Judgment Awarding Possession - The Court must provide an order giving belongings
  • After the entry of judgment, buyer needs to send an expulsion notice prior to carrying out the writ of possession
  • After the expulsion notice is served, purchaser should file a request for writ of ownership
  • Sheriff then performs the writ and kicks out previous property owner

    Read the Law and Rules: Md. Code, Real Residential Or Commercial Property § 7-105.1; Md. Rules 2-647 (Enforcement of Judgment Awarding Possession); 14-102 (Judgment Awarding Possession); 14-207 (Pleadings); & 14-305 (Procedure Following Sale); COMAR 09.03.12

    The Foreclosure Process from the Maryland Courts

    Is this legal advice?

    This site offers legal information, not . We strive to ensure the accuracy of the info and to plainly discuss your choices. However we do not offer legal guidance - the application of the law to your individual circumstances. For legal recommendations, you must seek advice from an attorney. The Maryland Thurgood Marshall State Law Library, a court-related agency of the Maryland Judiciary, sponsors this website. In the absence of file-specific attribution or copyright, the Maryland Thurgood Marshall State Law Library may hold the copyright to parts of this website. You are free to copy the info for your own usage or for other non-commercial purposes with the following language "Source: Maryland's People's Law Library - www.peoples-law.org.
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Reference: emilioten5571/vipnekretnine#4