Maryland’s foreclosure process has specific stages, each of which takes time — here’s the general shape of it.

Missed payments and notice of intent

After a payment is missed, Maryland law requires lenders to send a notice of intent to foreclose, generally after 45 days of delinquency.

Filing and mediation

Homeowners in Maryland have the right to request mediation before a foreclosure sale is finalized, which can add meaningful time to the process.

Sale and post-sale rights

Even after a foreclosure sale is scheduled, there are often additional steps and timelines before it’s finalized — which is exactly why acting early matters.

Exact timelines vary by lender and case — a HUD-approved housing counselor or real estate attorney can tell you precisely where you stand.