If you’re facing foreclosure, you’re not alone — and there are steps you can take to protect your home and your future.
This guide explains 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 — which makes 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:
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Right to reinstate the loan before the sale
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Right to redeem the property before auction
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Right to legal defense if foreclosure is improper
Step 2: Talk to Your Lender
Open communication with your mortgage company may allow for:
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Loan modification
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Repayment plans
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Temporary forbearance
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Short sale or deed in lieu of foreclosure
Step 3: Consult a Foreclosure Attorney or Housing Counselor
Foreclosure law in Massachusetts can be complex. A legal professional or housing counselor can:
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Ensure your lender followed all legal steps
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Advise on bankruptcy or alternatives
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Help apply for government foreclosure prevention programs
For free or low-cost assistance, visit 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 adjust your loan term
✅ Sell the Home Before Foreclosure — Avoid a foreclosure auction by selling quickly, even if you have little equity.
Tip: Home Buy Cash buys houses fast — even if you’re behind on payments. No commissions, no repairs needed.
✅ Bankruptcy — Filing for Chapter 13 can halt 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 is stressful, but help is available. Whether you want to stay in your home or sell quickly to avoid foreclosure, knowing your rights and acting fast is essential.
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