Maine mortgage foreclosures go through court. For a home loan on the house you live in, the lender must first give written notice and at least 35 days to catch up. After you are sued, if you live in the 1–4 unit home, you can ask for mediation through the court's Foreclosure Diversion Program within 20 days of receiving the court papers. If mediation is scheduled, no final judgment can issue until the mediator's report is done.
If the court rules for the lender, the redemption period is usually 90 days from the judgment. During that period, you can pay what the court says is owed; a sale that closes in time can do that. When the redemption period ends, your right to pay off the loan ends. The lender then advertises a public sale, held 30 to 45 days after the first advertisement.
If the court has entered a foreclosure judgment, tell us the date right away so we can try to close before the redemption period ends.
A city tax or tax-lien notice is a separate matter with its own deadlines. Do not use mortgage-foreclosure dates to work out a city tax deadline; check the notice and ask the office named on it.