If you have recently lost your job, you may qualify for
unemployment insurance. Please visit MDunemployment.com
Making Home Affordable
President Obama has implemented the Making Home Affordable
(MHA) program, which is helping millions of Americans lower
their mortgage payments so they can stay in their homes.
For more information about the MHA program and eligibility
Making Home Affordable or
Help with Utilities
For questions about your utility bills or to seek assistance
with disputing bills, visit
The Office of People's Counsel.
Renters facing eviction due to home in foreclosure
If you are renting, but know that the home you rent is in
The Public Justice Center.
Since 2008, Governor O'Malley has signed into law a series
of statutes designed to combat the foreclosure crisis. These
new laws have improved the foreclosure process by giving
homeowners earlier notice of a possible foreclosure, and
by extending the time before which a foreclosure sale can
occur. This gives homeowners more time to resolve their
hardship before the house is sold. In July 2010 a new law
went into effect which provides a mediation option designed
to give homeowners an opportunity to meet with their mortgage
company and a neutral third party to ensure that alternatives
to foreclosure have been considered and evaluated. Alternatives
could include a loan modification if the homeowner is eligible,
or if the home cannot be saved, a short sale or deed-in-lieu
may be discussed.
There are two types of foreclosure mediation. Homeowners
only have one chance to attend foreclosure mediation so
it's important to understand your options.
Pre-file Mediation - mediation before a foreclosure
action is filed in court and not required by Maryland law.
If your mortgage company is going to offer pre-file mediation
the notice will be included with your Notice of Intent to
Foreclose (see below for a timeline description).
Post-file Mediation - mediation after a foreclosure
action has been filed in court and is required by Maryland
law if you have not participated in pre-file mediation.
Your option to request post-file mediation will be included
with paperwork after your case has been filed with the courts.
Process (PDF document, 1.3MB, download
Adobe Acrobat for free)
A Notice of Intent to foreclose (NOI) must be sent
to the homeowner 45 days before the official court document
is filed in the court house. The NOI must include the following:
a loss mitigation application, information about housing
counseling, and details about possible options available.
If your mortgage company is offering pre-file mediation,
the option to participate will be included with your NOI.
Your mortgage company does not have to provide this option.
91 days after default:
This is the earliest date that a foreclosure can be filed
with the courts. The foreclosure filing is called an Order
to Docket (OTD). The OTD must include one of the following
A preliminary loss mitigation affidavit will be
filed if the mortgage company has not started or completed
the review of your loan for foreclosure alternatives known
as loss mitigation. An application for loss mitigation will
be included. Complete and return the application immediately;
A final loss mitigation affidavit will be filed
if the mortgage company believes it has no available alternatives
to foreclosure. This affidavit will come with a Request
for Foreclosure Mediation. You have only 25 days to request
post-file foreclosure mediation after you receive these
documents. To request post-file foreclosure mediation,
you must send the completed form with a non-refundable fee
of $50 to the Circuit Court.
If you request mediation:
Your request will be forwarded to the Office of Administrative
Hearings (OAH), where an administrative judge will mediate
the case within 60 days after receipt of your request from
the court. The judge cannot make decisions, but can act
as a neutral third party in an effort to reach a mutual
For more information on the Maryland Foreclosure
Mediation Law, visit MD
Please seek assistance from a HUD approved,
non-profit housing counselor.
To find a counselor near you, visit MD
HOPE or call 877-462-7555.