Guides · Tools · Assistance Programs
Homeowner Resources.
Free guides, toolkits, and connections to assistance programs for Maryland homeowners — available to everyone, no appointment required.
Maryland Foreclosure Law
Know your rights as a Maryland homeowner.
Maryland Foreclosure Timeline
Maryland is a judicial foreclosure state — foreclosure must go through the courts, giving homeowners more time and options. Learn the key milestones and your rights at each stage.
Download Guide PDF →Right to Mediation
Maryland homeowners have the right to request mediation before a foreclosure can proceed. Learn how to file a request and what to expect from the process.
Download Guide PDF →Understanding Your Mortgage Statement
A plain-language guide to reading your monthly mortgage statement — principal, interest, escrow, fees, and what every line means.
Download Guide PDF →Loss Mitigation Options Explained
Loan modifications, forbearance agreements, repayment plans, short sales — understand every option available to you.
Download Guide PDF →Homeowner Toolkit
Free downloadable resources.
Document Checklist
Foreclosure Counseling Checklist
Everything you need to gather before your first counseling session.
Download PDFHardship Letter Template
How to Write a Hardship Letter
A template and instructions for writing a hardship letter to your servicer.
Download TemplateBudget Worksheet
Monthly Budget Worksheet
Track income and expenses and identify areas for adjustment.
Download PDFScam Prevention
Protect yourself from foreclosure rescue fraud.
🚨 Red Flags — If You See These, Walk Away
✗Asks you to sign over the deed to your home
✗Charges upfront fees before providing any service
✗Guarantees to stop foreclosure or save your home
✗Tells you to stop communicating with your servicer
✗Pressures you to act immediately or sign quickly
✗Asks you to make mortgage payments to them, not your servicer
State & County Assistance
Programs that may help you.
Maryland Homeowners' Tax Credit
Reduces property taxes for qualifying homeowners based on income. Applications due September 1 annually.
Apply at dat.maryland.gov →Maryland Homeowner Assistance Fund
Emergency assistance for homeowners who experienced pandemic-related financial hardship. Check current availability.
Learn more at mdhaf.org →Maryland Energy Assistance (MEAP)
Utility bill assistance for low-income Maryland households through local DSS offices.
Contact us for referral →Water4All Program
Income-based water and sewer bill assistance for Maryland residents offered through local water utilities.
Contact us for referral →Need Help Navigating These Resources?
We'll connect you to everything you qualify for.
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