reglab/housing_qa huggingface dataset:
MD. Real Property Code Ann. §  7-105.3 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 1 - Mortgages and Deeds of Trust|Section 7-105.3 - Notice and Disclosure Requirements for Foreclosure Sales

    (a)    In addition to any other foreclosure requirements under the law, after the commencement of an action to foreclose a lien on real property and before making a sale of the property subject to the lien, the person authorized to make the sale shall notify the county or municipal corporation where the property subject to the lien is located, not less than 15 days prior to sale, of:        (1)    The name, address, and telephone number of the person authorized to make the sale; and        (2)    The time, place, and terms of sale.    (b)    A county or municipal corporation that receives the notice described under subsection (a) of this section shall notify the person authorized to make the sale of any outstanding liens, charges, taxes, or assessments that the county or municipal corporation has against the property not more than 10 days after receiving the notice of sale.
MD. Real Property Code Ann. §  7-105.4 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 1 - Mortgages and Deeds of Trust|Section 7-105.4 - Notice to Record Owner of Property of Proposed Foreclosure Sale; Limitation of Actions

    (a)    In this section, “record owner” means the person holding record title to property as of the later of:        (1)    30 days before the day on which a foreclosure sale of the property is actually held; and        (2)    The date on which an action to foreclose the mortgage or deed of trust is filed.    (b)    In addition to any notice required to be given by provisions of the Annotated Code of Maryland or the Maryland Rules, the person authorized to make a sale in an action to foreclose a mortgage or deed of trust shall give written notice of the proposed sale to:        (1)    The record owner of the property to be sold; and        (2)    A condominium or homeowners association that, at least 30 days before the date of the proposed sale, has recorded a statement of lien against the property under the Maryland Contract Lien Act.    (c)    (1)    The written notice shall be sent:            (i)    By certified mail, postage prepaid, return receipt requested, bearing a postmark from the United States Postal Service, to the record owner and, if applicable, to a condominium or homeowners association at the address shown on the statement of lien; and            (ii)    By first–class mail.        (2)    The notice shall state the time, place, and terms of the sale and shall be sent not earlier than 30 days and not later than 10 days before the date of sale.        (3)    The person giving the notice shall file in the proceedings:            (i)    A return receipt; or            (ii)    An affidavit that:                1.    The provisions of this subsection have been complied with; or                2.    The address of the record owner is not reasonably ascertainable.        (4)    The person authorized to make a sale in an action to foreclose a mortgage or deed of trust is not required to give notice to a record owner whose address is not reasonably ascertainable.    (d)    In the event of postponement or cancellation of the sale, which may be done in the discretion of the trustee, the trustee shall, within 14 days after the postponement or cancellation, send a notice that the sale was postponed or canceled to the record owner and, if applicable, to a condominium or homeowners association to which notice of the proposed sale was sent under subsection (c) of this section, by first–class mail, postage prepaid.    (e)    The right of a record owner to file an action for the failure of the person authorized to make a sale in an action to foreclose a mortgage or deed of trust to comply with the provisions of this section shall expire 3 years after the date of the order ratifying the foreclosure sale.
MD. Real Property Code Ann. §  7-105.6 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 1 - Mortgages and Deeds of Trust|Section 7-105.6 - Interest Payable After Sale in Certain Counties

    (a)    Absent a provision to the contrary in a mortgage or note secured by a deed of trust, in the enumerated counties, the interest provided in a mortgage or note secured by a deed of trust is payable for the time period provided in subsection (b) of this section or until the audit of the sale is ratified, whichever occurs first.    (b)    Under subsection (a) of this section, the time period following sale is:        (1)    60 days in Calvert, Cecil, Frederick, Garrett, Kent, Queen Anne’s, Talbot, Caroline, Charles, and St. Mary’s counties; and        (2)    180 days in Worcester County.
MD. Real Property Code Ann. §  7-105.7 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 1 - Mortgages and Deeds of Trust|Section 7-105.7 - Secured Party May Purchase at Sale

    No title to property acquired at sale of property subject to a mortgage or deed of trust is invalid by reason of the fact that the property was purchased by the secured party, his assignee, or representative, or for his account.
MD. Real Property Code Ann. §  7-105.9 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 1 - Mortgages and Deeds of Trust|Section 7-105.9 - Effect of Foreclosure on Annual Crops

    (a)    Except as provided in this section, unless the mortgage or deed of trust provides otherwise, if any property is encumbered by a mortgage or deed of trust, annual crops planted or cultivated by any debtor or those claiming under him do not pass with the property at any sale under or by virtue of the mortgage or deed of trust, but the crops remain the property of the debtor or those claiming under him.    (b)    (1)    Notwithstanding the provisions of subsection (a) of this section, after the sale, the debtor or those claiming under him and the purchaser or those claiming under him may agree on a reasonable rental of the part of the property occupied by the crops.        (2)    This rental is a lien on the crops and continues until paid in favor of the purchaser or those claiming under him, and neither the crops nor any part of them may be removed until after payment.        (3)    If the parties are unable to agree on the rental, any party in interest may apply to the court having jurisdiction over the sale or the confirmation of it for the appointment of disinterested appraisers to determine the rental, whose award shall be final.    (c)    (1)    In addition to any other remedy, the purchaser or those claiming under him, on ascertainment of the rent, may distrain for the rent or any part of it remaining due, as in the case of landlord and tenant.        (2)    No provision of this section is intended to interfere with the right of the purchaser or those claiming under him to have possession of the property, except as to the part occupied by the crop, with necessary ingress or egress.
MD. Real Property Code Ann. §  7-105.10 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 1 - Mortgages and Deeds of Trust|Section 7-105.10 - Effect of Order for Resale on Default

    The entry of an order for resale on default by a purchaser at a sale under §§ 7–105 through 7–105.9 of this subtitle and Title 14 of the Maryland Rules:        (1)    Does not affect the prior ratification of the sale and does not restore to the mortgagor or former record owner any right or remedy that was extinguished by the prior sale and its ratification; and        (2)    Extinguishes all interest of the defaulting purchaser in the real property being foreclosed and in the proceeds of the resale.
MD. Real Property Code Ann. §  7-105.12 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 1 - Mortgages and Deeds of Trust|Section 7-105.12 - Right to Collect Rent From Bona Fide Tenant in Possession

    (a)    (1)    In this section the following words have the meanings indicated.        (2)    “Bona fide tenant” means a tenant under a lease or tenancy described in § 7–105.8(b)(1) of this subtitle.        (3)    “Foreclosure sale purchaser” means any purchaser at a foreclosure sale of a mortgage or deed of trust on residential property.        (4)    “Residential property” has the meaning stated in § 7–105.1(a)(12) of this subtitle.    (b)    A foreclosure sale purchaser may not exercise any right to collect rent payments from a bona fide tenant in possession of a residential property unless the purchaser:        (1)    Conducts a reasonable inquiry as required under Maryland Rule 14–102 into:            (i)    The occupancy status of the residential property; and            (ii)    Whether any individual in possession of the residential property is a bona fide tenant; and        (2)    Serves on each bona fide tenant, by first–class mail with a certificate of mailing a notice that:            (i)    Contains the name, address, and phone number of the purchaser or the agent of the purchaser who is responsible for managing and maintaining the residential property; and            (ii)    States that rent payments must be directed to the purchaser or the agent identified in item (i) of this item.    (c)    (1)    Except as provided in paragraph (2) of this subsection, a foreclosure sale purchaser waives any claim to rent payments from a bona fide tenant in possession of a residential property for any period of time before the purchaser satisfies the requirements under subsection (b) of this section.        (2)    A foreclosure sale purchaser does not waive any claim to rent due and payable for use of the residential property for the 15 days immediately prior to the date that the purchaser satisfied the requirements under subsection (b) of this section.
MD. Real Property Code Ann. §  7-105.15 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 1 - Mortgages and Deeds of Trust|Section 7-105.15 - Foreclosure -- Legislative Powers Regarding Notice or Regulations

    (a)    Except as provided in subsection (b) of this section, only the State may enact a law requiring a notice to be filed with a unit of government to register residential properties that are subject to foreclosure.    (b)    This section does not restrict or otherwise affect the ability of a unit of government to require a registration or notice to be filed for a purpose other than one relating to foreclosure, even if a property to be identified in the registration or notice is subject to foreclosure.
MD. Real Property Code Ann. §  7-105.16 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 1 - Mortgages and Deeds of Trust|Section 7-105.16 - Foreclosure Sale of Residential Property

    (a)    (1)    In this section the following words have the meanings indicated.        (2)    “Instrument of writing” has the meaning stated in § 12–101 of the Tax – Property Article.        (3)    (i)    “Residential property” means real property improved by a dwelling unit that is designed principally and is intended for human habitation.            (ii)    “Residential property” includes:                1.    A residential condominium unit; and                2.    A unit in a cooperative project, as defined in § 5–6B–01 of the Corporations and Associations Article.        (4)    “Tax” has the meaning stated in § 14–801 of the Tax – Property Article.    (b)    Except as provided in subsection (c) of this section, if residential property is purchased at a sale in an action to foreclose a mortgage or deed of trust on the residential property, the purchaser shall provide a copy of the court order ratifying the foreclosure sale to the supervisor of assessments for the county in which the residential property is located by the later of:        (1)    60 days after the entry of the court order ratifying the foreclosure sale; or        (2)    If a motion is filed under Maryland Rule 2–535 before the expiration of the time period set forth in item (1) of this subsection, 30 days after the entry of a court order that resolves the motion without nullifying the ratification order.    (c)    Subsection (b) of this section does not apply if:        (1)    An instrument of writing transferring the residential property has been recorded in the land records of the county in which the residential property is located before the expiration of the time period set forth in subsection (b) of this section; or        (2)    The foreclosure sale is subject to:            (i)    A pending appeal of the ratification order;            (ii)    A bankruptcy stay; or            (iii)    An unexpired right of redemption in favor of the United States or any agency or department of the United States.    (d)    The supervisor of assessments shall provide a receipt to the person providing a copy of the ratification order.    (e)    If a copy of the ratification order is not provided to the supervisor of assessments as required under subsection (b) of this section, any reduction in property tax received by the residential property because of its status as an owner–occupied principal residence from the date of the entry of the ratification order until the earlier of the receipt by the supervisor of assessments of a copy of the ratification order or the recordation in the land records of an instrument of writing transferring the property to a third party shall remain due and collectable as a property tax under Title 14 of the Tax – Property Article.
MD. Real Property Code Ann. §  7-105.17 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 1 - Mortgages and Deeds of Trust|Section 7-105.17 - Motion for Deficiency Judgment

    (a)    (1)    In this section the following words have the meanings indicated.        (2)    “Owner–occupied residential property” has the meaning stated in § 7–105.1 of this subtitle.        (3)    “Residential property” has the meaning stated in § 7–105.1 of this subtitle.    (b)    This section applies to residential property that was owner–occupied residential property at the time an order to docket or complaint to foreclose was filed.    (c)    After the final ratification of the auditor’s report following a sale made in accordance with §§ 7–105.1 through 7–105.10 of this subtitle or the Maryland Rules, a secured party or an appropriate party in interest may file a motion for a deficiency judgment if the proceeds of the sale, after deducting all costs and expenses allowed by the court, are insufficient to satisfy the debt and accrued interest.    (d)    A motion for deficiency judgment under this section shall be filed within 3 years after the final ratification of the auditor’s report.    (e)    The secured party or party in interest shall serve the motion in accordance with the Maryland Rules.    (f)    The filing of a motion for deficiency judgment in accordance with this section and the Maryland Rules shall constitute the sole post–ratification remedy available to a secured party or party in interest for breach of a covenant contained in a deed of trust, mortgage, or promissory note that secures or is secured by owner–occupied residential property.
MD. Real Property Code Ann. §  7-107 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 1 - Mortgages and Deeds of Trust|Section 7-107 - Payment of Property Taxes by Lender

    (a)    In the case of a mortgage or a deed of trust in which the lender assumes responsibility to the borrower to pay the property taxes on the mortgaged property by the collection of taxes through an expense account arrangement, the lender shall pay the taxes within 45 days after (1) the first due date, (2) receipt of the tax bill by the lender, or (3) the funds collected by the lender are sufficient to pay the amount of taxes and interest due, whichever occurs last.    (b)    If a lender has sufficient funds available to pay the taxes, has received a copy of the tax bill, and fails to pay at the time as provided in this section, the lender shall pay the difference between the amount of taxes, interest, and penalty due if paid at the time as provided and the amount of taxes, interest, and penalty due at the time that the taxes, interest, and penalty are actually paid by the lender.
MD. Real Property Code Ann. §  7-108 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 1 - Mortgages and Deeds of Trust|Section 7-108 - Incorporation by Reference

    Any person may record among the land records of any county an unexecuted declaration of provisions, covenants, and conditions, and any mortgage or deed of trust thereafter recorded among the land records of the county where the declaration is recorded may incorporate any provision, covenant, or condition of the declaration into the mortgage or deed of trust by specific reference to it and to the liber and folio of the declaration, if the intention to incorporate by reference is shown clearly, and the mortgagor or grantor is furnished a copy of the declaration when the mortgage or deed of trust is executed.
MD. Real Property Code Ann. §  7-109 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 1 - Mortgages and Deeds of Trust|Section 7-109 - Lenders Required to Disburse Certain Purchase Money Loans at Closing

    (a)    (1)    In this section the following words have the meanings indicated.        (2)    “Affiliate” means any association, corporation, business trust, statutory trust, or other similar organization that controls, is controlled by, or is under common control with, a financial institution, as defined in § 1–101 of the Financial Institutions Article.        (3)    “Settlement” means the process of executing and delivering to the lender or the agent responsible for settlement, legally binding documents evidencing or securing a loan secured by a deed of trust or mortgage encumbering real property in this State.    (b)    (1)    In any consumer loan transaction in which the loan is secured by a purchase money mortgage or deed of trust on real property located in this State, on or before the day of settlement, the lender shall disburse the loan proceeds in accordance with the loan documents to the agent responsible for settlement as provided in subsections (c) and (d) of this section.        (2)    In any consumer loan transaction in which the loan is secured by a secondary deed of trust or mortgage on real property located in this State, on or before the day of funding the agent responsible for settlement may require the lender to disburse the loan proceeds as provided in paragraph (1) of this subsection.    (c)    Except as provided in subsection (d) of this section, the lender shall disburse the loan proceeds in the form of:        (1)    Cash;        (2)    Wired funds;        (3)    A certified check;        (4)    A check issued by a political subdivision or on behalf of a governmental entity;        (5)    A teller’s check issued by a depository institution and drawn on another depository institution; or        (6)    A cashier’s check.    (d)    In addition to the methods of loan disbursement provided in subsection (c) of this section, the loan proceeds may be disbursed in the form of a check drawn on a financial institution insured by the Federal Deposit Insurance Corporation and located in the 5th Federal Reserve District if the lender is:        (1)    An affiliate or subsidiary of a financial institution insured by the Federal Deposit Insurance Corporation or the National Credit Union Administration Share Insurance Program; or        (2)    A mortgage company approved by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation.    (e)    If a loan subject to this section is not disbursed as provided in subsection (c) of this section, the lender may not charge interest on the loan for the first 30 days following the date of closing.
MD. Real Property Code Ann. §  7-110 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 1 - Mortgages and Deeds of Trust|Section 7-110 - Priority of Certain Interests Transferred by Savings and Loan Associations to Government Agencies or Instrumentalities

    (a)    Notwithstanding any other provision of law, including this title, any grant of a security interest in or assignment of a mortgage to any State or federal government agency or instrumentality, including the Maryland Deposit Insurance Fund Corporation, a federal reserve bank, or a federal home loan bank, by any savings and loan association is fully perfected and takes priority to the extent of the association’s interest in the mortgage over all other claims and creditors with respect to any such mortgage in the possession or control of that State or federal government agency or instrumentality.    (b)    The State or federal government agency or instrumentality receiving a grant of a security interest in or assignment of a mortgage by a savings and loan association pursuant to subsection (a) of this section shall give prompt notification thereof to the State or federal agency that issued the charter to the association.
MD. Real Property Code Ann. §  7-111 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 1 - Mortgages and Deeds of Trust|Section 7-111 - Effect of Changes or Modifications to Existing Mortgages or Deeds of Trust on Priority of Liens

    (a)    Subject to subsection (b) of this section, any change or modification to a mortgage or deed of trust or to an obligation secured by a mortgage or deed of trust does not extinguish the existing lien of the mortgage or deed of trust or otherwise adversely affect the existing lien priority of the mortgage or deed of trust.    (b)    If the change or modification to a mortgage or deed of trust or to an obligation secured by a mortgage or deed of trust increases the principal sum secured by the mortgage or deed of trust above the amount appearing on the face of the mortgage or deed of trust and expressed to be secured by it:        (1)    The existing lien priority of the original mortgage or deed of trust shall continue as to the principal sum secured by the mortgage or deed of trust immediately preceding the change or modification; and        (2)    The lien priority for the increase in the principal sum shall date from the date of the changed or modified mortgage or deed of trust.
MD. Real Property Code Ann. §  7-201 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 2 - Vendor's Liens|Section 7-201 - Sum Due and Time for Payment Must Appear on Face of Instrument; Certain Mortgages and Landlord's Lien Not Affected

    If any property is granted, and the purchase money, or any part of it, remains unpaid at the time of the grant, the vendor may not have a lien or charge on the property for any other sum of money than the sum that appears to be due on the face of the deed. The time set for payment shall be specified and recited in the deed. No provision in this section may be construed to affect any mortgage or deed of trust given by a purchaser to secure the payment of all or any part of the purchase money, or in any way affect or postpone the lien of any landlord on goods or chattels for the satisfaction or security of rent due or accruing.