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Foreclosures in Maryland are nonjudicial, which means they do not go through the court system. The foreclosing lender or servicer must provide you with certain notices before starting foreclosure and before the sale of your home. You may have a right to reinstate the loan (pay all arrearages plus costs and fees) in order to avoid the foreclosure. In addition, many Maryland residents qualify for Maryland's new foreclosure mediation program. By participating in mediation, you may be able to negotiate an alternative to foreclosure with your lender. Below you can learn about the Maryland foreclosure timeline, key features of Maryland foreclosure law, and the details of the mediation program.