Sec. 05.19.02.04. Timing and Certification of Housing Counseling Services

A. A mortgagor or grantor that has elected to participate in prefile mediation offered by a secured party must:

(1) Regardless if they have previously completed housing counseling services, either:

(a) Obtain housing counseling services after their election to be participate in prefile mediation; or

(b) Be receiving housing counseling services at the time of their election to participate in prefile mediation; and

(2) Complete the housing counseling services prior to the prefile mediation.

B. Upon completion of housing counseling services, the entity that provided the services shall provide the mortgagor or grantor with a certificate of housing counseling services in substantially the following form:

CERTIFICATION OF COMPLETION

Housing Counseling for Pre-File Foreclosure Mediation

This document certifies that on (Date)________________

(Name of Homeowner) _________________________________

Successfully completeddefault and delinquency housing counseling as a prerequisite for participation in pre-file foreclosure mediation at (Name of Agency) _________________________________ a Maryland Department of Housing and Community Development approved housing counseling agency.

_____________________________________________________ (Signature of Housing Counselor or Agency Representative)

___________ (Date)

_____________________________________________________ (Print name and title of Housing Counselor or Agency Representative)