Below is a summary of the mortgage foreclosure process for owneroccupied residential properties in Maryland. This article describes the steps and timeline of a foreclosure case from beginning to end. 1.Mortgage in default 2. We know all of the intricate foreclosure laws and standards in New York, and we identify all possible ways to defend against foreclosure actions. If you lose your home to a lender's foreclosure, the judgment lien is typically wiped out, assuming that the lien doesn't have priority. Complete and file form, Motion for Order Declaring Judgment Satisfied (DC-CV-051). The most immediate consequence for the homeowner is losing the property to a foreclosure sale. What Happens to a Judgment Lien in a Mortgage Foreclosure? Most foreclosures that go to judgment do so on summary judgment motions or motions for default judgment. Exceptions: A limited, final opportunity for you to tell the court why your house should not be sold.