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(Or delaying it, voiding it, setting it aside, voiding it, or postponing it). Obtaining Forebearance or exercising the right of reinstatement after notice of foreclosure proceedings have been provided. Extend foreclosure deadlines. Save the homeowner from foreclosure. Purchase or obtain an option to purchase a home within 20 days of an advertised docketed or foreclosure sale. Help the homeowner obtain a loan or advance funds. Arranging or facilitating the sale of the home to another party as an alternative to foreclosure. For full list see Md. Real Property Code § 7–301 Basically, if you are a real estate investor, real estate agent or broker, or attorney that performs practically ANY services for people facing foreclosure then there is a very good chance that you are a "foreclosure consultant" as defined by the statute. What Foreclosure Consultants Must (And Must Not) Do Under PHIFA Provide a "foreclosure consulting contract" that outlines the scope of work to be provided for the homeowner Cannot receive ANY compensation until after all services outlined in the contract have been performed.