Maryland Code, Commercial Law § 12-1010

(1) If the interest and charges in respect of the loan were not precomputed, the total of the unpaid balance and the accrued and unpaid interest and charges on the date of refinancing;  or

(2) If the interest and charges on the loan were precomputed, the total of the unpaid balance and the accrued and unpaid charges on the date of refinancing, less the amount which the credit grantor would have been required to refund or credit upon prepayment on the date of refinancing under § 12-1009 of this subtitle governing refunds upon prepayment.

(1) Made by the credit grantor;

(2) Secured by a secondary lien on residential real property;  and

(3) Made to cure a default on the loan being refinanced where the default has been in existence for more than 30 days.