Tax liens in Maryland - overbid payment

[Bennie Johnson]

I am new to buying tax liens in MD. If you won the tax lien certificate from the auction (with an overbid higher than the actual tax lien amount) and you wanted to foreclose to own the property after the redemption period expired. Do you have to pay the overbid amount? If so, does it have to be cash? Can you apply for a bank loan/mortgage for that amount? I know some of the bids can be in the hundreds of thousands so that's why I'm asking.

Any advice would be helpful. Thanks!