District Of Columbia § 42-815.01 - Right to cure residential mortgage foreclosure default.
Full text of District Of Columbia D.C. Code § 42-815.01 — Right to cure residential mortgage foreclosure default., with citation guidance and answers to common questions.
§ 42-815.01. Right to cure residential mortgage foreclosure default.
42-815.01For the purposes of §§ through and §§ through , the term “residential mortgage” means a loan secured by a deed of trust or mortgage, used to acquire or refinance real property which is improved by 4 or fewer single-family dwellings, including condominium or cooperative units, but shall not include debts incurred, and currently obligating solely, an entity, as defined by .
Notwithstanding the provisions of any other law, after a notice of intention to foreclose a residential mortgage has been given pursuant to , at any time up to 5 business days prior to the commencement of bidding at a trustee sale or other judicial sale on a residential mortgage obligation, the residential mortgage debtor or anyone in his behalf, not more than 1 time in any 2 consecutive calendar years, may cure his default and prevent sale or other disposition of the real estate, by tendering the amount or performance specified in subsection (c) of this section.
To cure a default under this section, a residential mortgage debtor shall:
Pay or tender in the form of cash, cashier’s check, or certified check all sums, including any reasonable late penalty, required to bring the account current, with the exception of any amounts due by operation of any acceleration clause that may be included in the security agreement;
Perform any other obligation which he would have been bound to perform in the absence of default or in the absence of the exercise of an acceleration clause, if any; and
Pay or tender any expenses properly associated with the foreclosure and incurred by the mortgagee to the date of debtor’s payment or tender under this section. These costs and expenses may include, but not be limited to, advertising fees, trustee fees, and reasonable attorney’s fees.
Cure of a default pursuant to this section restores the residential mortgage debtor to the same position as if the default or the acceleration had not occurred.
Annotations
Source: official District Of Columbia text · Last verified 2026-08-27
Frequently Asked Questions About District Of Columbia § 42-815.01
What does D.C. Code § 42-815.01 cover?
Section 42-815.01 ("Right to cure residential mortgage foreclosure default.") is part of the D.C. Code, the codified statutory law of District Of Columbia. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite District Of Columbia § 42-815.01?
A common citation format is "D.C. Code § 42-815.01" (District Of Columbia). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of District Of Columbia law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the District Of Columbia official source linked on this page or consult a licensed District Of Columbia attorney.
How does District Of Columbia § 42-815.01 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in District Of Columbia can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in District Of Columbia.