The Foreclosure Process in Maryland
Foreclosure is the process of a lender taking back ownership of a home due to nonpayment. The foreclosure process leaves many opportunities for the homeowner to fix the situation and maintain ownership of his or her home.
Notice of Intent
The first thing that happens in the foreclosure process, according to the Maryland Department of Labor, is the lender will file a Notice of Intent to Foreclose. The lender must send the NOI at least 45 days before filing the foreclosure case in court.
As part of the NOI, the homeowner will receive a Loss Mitigation Application, which can enable him or her to come to an agreement or arrangement with the lender to stop foreclosure.
Order to Docket
The lender will file its case with the court at least 45 days after sending the NOI. This is known as an order to docket or complaint to foreclosure. The lender …
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