Enter the dates from your foreclosure papers and see how much time you have — and what to do next.
An estimate for planning, not legal advice — timelines can vary by county and case. Confirm every date with your papers, the court, or your attorney. Free help: find a HUD-approved housing counselor.
Maryland uses a quasi-judicial foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
Homeowner may cure the default by paying all past-due payments, penalties, and fees and reinstate the loan (without paying the full accelerated balance) at any time up to 1 business day before the foreclosure sale. Md. Code, Real Property §7-105.1(p)(1)
Before the sale: Until 1 business day before the sale, the homeowner may reinstate by paying arrears and fees (RP §7-105.1(p)(1)), or pay off the loan in full at any time before the sale.
After the sale: No statutory right of redemption after a Maryland mortgage foreclosure sale. However, the sale is not final until the circuit court ratifies it: the trustee files a report of sale, and the homeowner may file exceptions within 30 days after the report of sale/clerk's notice (Md. Rule 14-305(d)); exceptions are limited to irregularities in how the sale was conducted. Any surplus proceeds after liens and costs belong to the homeowner via the court audit. Md. Code, Real Property §7-105.1(p)(1) · Md. Rule 14-305(d)
The homeowner keeps legal title and may sell the home (paying off the mortgage at closing) and keep the equity at any time up until the foreclosure sale occurs; after the sale, only surplus sale proceeds (if any) remain available through the court audit.
Want the fuller picture beyond the dates? Read the Maryland foreclosure guide — timeline, rights & options.
Property tax sales are separate from mortgage foreclosure. After a tax sale, the owner may redeem at any time until the circuit court forecloses the right of redemption. The certificate holder may not file the foreclosure complaint until at least 6 months after the tax sale — 9 months for owner-occupied residential property — so the owner has at least that long, and redemption remains open until final judgment. Md. Code, Tax-Property §14-833
Statutory minimum is roughly 4.5 months from first missed payment to sale (90 days default + 45 days after service); in practice a Maryland foreclosure typically runs about 6–12+ months from first missed payment to sale, and longer if mediation is requested (practitioner estimate). (Practitioner estimate, not a statute.)
If your mortgage predates your military service, the federal SCRA generally requires a court order to foreclose during active duty and for 12 months after (50 U.S.C. §3953). These protections must be raised — tell the court and your counselor.