# Commercial Law (GCL)

## Title 12. Credit Regulations

### Subtitle 4. Secondary Mortgage Loans -- Credit Provisions

#### Section 12-408

A lender may not refinance a loan more often than:

(1) Once during any twelve-month period of the loan; and

(2) Twice during any five-year period of the loan.

---

Md. Code Ann., Com. Law (as displayed at mgaleg.maryland.gov, October 16, 2026)