Maryland's intermediate appellate court has affirmed the Baltimore City Circuit Court's grant of summary judgment in favor of Bank of America, which loaned money for a home purchase without paying off a prior lien. Maryland's legal concept of "equitable subrogation" allows Bank of America to leap-frog over the prior lien to the first position. This decision affirms long-standing law, and paves the way for the homeowner to seek modification of her Bank of America loan.