In July of 2005, Mohammad Aslam Khan, the appellant, borrowed $260,000 to purchase residential property located at 9125 6th Street, in Lanham (the "Property"). He executed an "Obligation to Pay" and a purchase money deed of trust (the "Deed of Trust"), which created a lien on the Property. Subsequently, he defaulted on his payments. In the Circuit Court for Prince George's County, the substitute trustees under the Deed of Trust instituted a foreclosure action. In December of 2009, the Property was sold at foreclosure to Federal Home Loan Mortgage Corporation ("Freddie Mac").