Are you struggling to keep up with your mortgage payments? If you’re facing foreclosure in Massachusetts, you’re not alone — and there are steps you can take to protect your home and your future.
This guide breaks down everything you need to know about the foreclosure process in Massachusetts and your options for avoiding it.
What Is Foreclosure in Massachusetts?
Foreclosure is the legal process where a lender reclaims your property after missed mortgage payments. In Massachusetts, most foreclosures are non-judicial, meaning they don’t go through court — making the timeline faster and your response time more limited.
Step 1: Don’t Ignore the Foreclosure Notice
Massachusetts requires lenders to send a right-to-cure notice at least 150 days before foreclosure proceedings begin. This notice gives you a chance to catch up on missed payments or make other arrangements.
Key homeowner rights:
- Right to reinstate the loan before the sale
- Right to redeem the property before auction
- Right to legal defense if foreclosure is improper
Step 2: Talk to Your Lender
Open communication with your mortgage company can lead to:
- Loan modification
- Repayment plans
- Temporary forbearance
- Short sale or deed in lieu of foreclosure
Step 3: Consult a Foreclosure Attorney or Housing Counselor
Foreclosure law in Massachusetts is complex. A legal professional or housing counselor can:
- Ensure your lender followed legal steps
- Advise on bankruptcy or alternatives
- Help apply for government foreclosure prevention programs
For free or low-cost assistance, check out MassLegalHelp.org or contact local legal aid groups.
Step 4: Know Your Alternatives
✅ Loan Modification
Change loan terms to make payments manageable.
✅ Refinance
Lower your interest rate or change your loan term.
✅ Sell the Home Before Foreclosure
Avoid a foreclosure auction by selling the home quickly — even if you have little equity.
Tip: Middlesex Cash Homes buys houses in Massachusetts fast — even if you’re behind on payments. No commissions, no repairs needed.
✅ Bankruptcy
Filing for Chapter 13 can halt the foreclosure and allow you to catch up on payments over time.
Step 5: Take Action Before It’s Too Late
The earlier you act, the more options you’ll have to stop foreclosure. Waiting too long may limit your ability to save your home or sell it on your terms.
Don’t Wait — You Have Options
Facing foreclosure in Massachusetts is stressful, but there is help available. Whether you’re looking to stay in your home or sell quickly to avoid foreclosure, understanding your rights and acting fast is key.
Talk to us confidentially at 617-501-1394 — we can help you avoid foreclosure and move on.
