# COMAR Title 05 — Department of Housing and Community Development

## Subtitle 19 — Homebuyer Education and Counseling

### Chapter 02 — Housing Counseling Certification for Prefile Mediation

#### Regulation .04 Timing and Certification of Housing Counseling Services.

*COMAR 05.19.02.04*

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: