What is Foreclosure Mediation?
Mediation is when two conflicting parties meet to resolve disagreements and find
a resolution outside of a courtroom with the help of a neutral third party. Mediation
is designed to be an outlet for two sides to be able to communicate their concerns
and it is guided by a neutral third party. In foreclosure mediation this communication
between both sides helps insure that every alternative to foreclosure is strongly
considered with the hope that an agreement can be reached that would not result
Who is Involved in a Foreclosure Mediation?
Foreclosure Mediation occurs between a homeowner and a lender along with the help
of a neutral third party to help facilitate dialogue and make sure each side is
able to make a fair argument. The neutral third party is an administrative law judge
with the Maryland Office of Administrative Hearings (OAH) who is trained in mediation.
Their goal is to assist the parties in finding common ground and helping them reach
a solution that is satisfactory to both parties.
What You Need to Know as a Homeowner
You have the right to request mediation once the lender initiates foreclosure proceedings
with the court system. Once that happens, the lender must send a “Request for Foreclosure
Mediation” form. You will have 25 days to complete the form and file it with the
Circuit Court to have your request for mediation granted.
OAH will schedule mediations around the state depending on where the foreclosure
action has been filed. Your “Request for Foreclosure Mediation” form must be sent
to the Circuit Court in the county or city where your foreclosure action has been
filed by your lender’s attorney. You must also send the form to the attorney handling
the foreclosure for your lender.
Important Details to Remember
- Homeowners must pay a non-refundable $50 fee to the Circuit Court when they formally
file this request for mediation.
- Both the $50 fee and “Request for Foreclosure Mediation” form must be sent to the
Circuit Court in the county or city where your foreclosure action has been filed.
The form must also be sent to the lender’s attorney.
- This is the only time you will be offered the opportunity to request foreclosure
mediation. If you do not submit your “Request for Foreclosure Mediation” form and
non-refundable $50 fee during the 25 day time frame, you will not be given another
chance to do so.
- Only homeowners who are living in the foreclosed property as their primary residence
can participate in the mediation program. The mediation program is not open to homeowners
of foreclosed rental or commercial properties. Meaning if you own a property but
do not live at that property, you are not eligible to participate in the foreclosure
MARYLAND MEDIATION – Don’t Face Your Lender Alone!
Get legal help from non-profit legal services providers at Maryland Foreclosure
DHCD supports a network of nonprofit legal services providers that provide free
or reduced fee foreclosure prevention legal services. Don’t face your lender alone!
Get legal help from nonprofit legal services providers at Maryland Foreclosure Mediation.
Low and Moderate Income Households may be eligible for free legal representation
Legal Services Organization
County Where Property is Located
Allegany Law Foundation
Civil Justice, Inc.
Statewide - reduced fee legal assistance for moderate income households (income
Community Legal Services
Legal Aid Bureau
Baltimore City, Montgomery, Prince George’s
Maryland Volunteer Lawyers Service
Anne Arundel, Baltimore County, Carroll, Cecil, Charles, Frederick, Garrett, Harford,
Howard, Calvert, St. Mary’s, Somerset, Washington, Wicomico
Mid Shore Pro Bono
Caroline, Dorchester, Kent, Talbot, Queen Anne
St. Ambrose Housing Aid Center
(410) 366-8550, ext. 249
Central Maryland - Anne Arundel, Baltimore City, Baltimore, Carroll, Cecil, Harford,
If you seek help from other entities, DON’T GET SCAMMED – DON’T PAY UP FRONT
FEES! For more information on how to avoid being scammed and what to do if you have
any concerns, visit
You should not wait until you can request mediation before attempting to save your
home. The opportunity to participate in mediation occurs at a late stage in the
foreclosure process and does not guarantee that you can avoid foreclosure. Contact
your lender and a housing counselor at the earliest sign of financial difficulty.
You can get a list of the housing counseling agencies near you by calling the MDHOPE
hotline at 877-462-7555 or view a
complete list of DHCD supported housing counseling agencies.
After you have completed your mediation, please visit https://s.zoomerang.com/s/DHCD_Mediation_Survey to provide
feedback through a survey administered by the Department of Housing and Community
Development (DHCD). Your comments are valuable and appreciated.
If you have any additional questions, you can contact: