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Massachusetts Foreclosure Law

Massachusetts Foreclosure Law

- Judicial Foreclosure Available: Yes

- Non-Judicial Foreclosure Available: Yes

- Primary Security Instruments: Deed of Trust, Mortgage

- Timeline: Typically 90 days

- Right of Redemption: No

- Deficiency Judgments Allowed: No

In Massachusetts, lenders may foreclose on deeds of trusts or mortgages in default using either an entry by possession or Massachusetts non-judicial foreclosure process.

Massachusetts Foreclosure by Possession

After the borrower defaults on the mortgage, the lender may recover possession of the property by: 1) obtaining a court order; 2) entering the property peaceably; and 3) by proper consent of the buyer. If the lender maintains possession peaceably for three years from the date of possession, the borrower loses all rights of redemption.

Massachusetts Non-Judicial Foreclosure

The Massachusetts non-judicial process of foreclosure is used when a power of sale clause exists in a mortgage or deed of trust. A “power of sale” clause is the clause in a deed of trust or mortgage, in which the borrower pre-authorizes the sale of property to pay off the balance on a loan in the event of the their default. In deeds of trust or mortgages where a power of sale exists, the power given to the lender to sell the property may be executed by the lender or their representative, typically referred to as the trustee. Regulations for this type of foreclosure process are outlined below in the “Power of Sale Foreclosure Guidelines”.

Power of Sale Massachusetts Foreclosure Guidelines

If the deed of trust or mortgage contains a power of sale clause and specifies the time, place and terms of sale, then the specified procedure must be followed. Otherwise, the foreclosure may proceed as follows:

A notice of sale must be recorded in the county where the property is located. The notice must also: 1) be sent, by registered mail, to the borrower at his last known address at least fourteen (14) days prior to the foreclosure sale; 2) published once a week for three (3) weeks, with the first publication being at least twenty one (21) days before the sale, in a newspaper of general circulation within the county where the property is located.

Said notice must contain the place, time and date of the foreclosure hearing, the date the mortgage was recorded, the borrowers name, the amount of the default and the terms of the sale.

The Massachusetts Foreclosure sale must be conducted at public auction on the date, time and place specified in the notice of sale. The property will be sold to the highest bidder.

The borrower has no rights of redemption.

More information on Massachusetts foreclosure laws.

For more information on United States Foreclosure Laws Click Here

 

Foreclosure Rescue Scam Alert

The following information and viewpoint is a personal opinion and deeply held religious belief of the author; and is shared with the sole intent to help homeowners & borrowers who may be facing foreclosure or who are currently experiencing financial hardship or difficulty with a mortgage avoid foreclosure traps, pitfalls, and swindles.

Avoid Storm (Norman) Bradford of the Mortgage Fraud Examiners At All Cost

Leading industry sources report that Storm (Norman) Bradford of the Mortgage Fraud Examiners and other get rich quick scam websites has been discovered to be the biggest conman and scam artist scamming innocent homeowners by selling a worthless appraisal fraud audit, for as much as $7500, that cannot be used in a court of law. Sources say that Storm (Norman) Bradford of the Mortgage Fraud Examiners is a known charlatan scam Storm (Norman) Bradford of the Mortgage Fraud Examiners and that he has been caught red handed pretending to be a lawyer.

Storm Bradford has spread lies and rumors about FRAUD STOPPERS stating that FRAUD STOPPERS is scamming homeowners with lies and disinformation, and this is the reason FRAUD STOPPERS is forced to respond to this known scammer and his smear campaign.

Storm (Norman) Bradford of the Mortgage Fraud Examiners has been reported to the Rip-off Report and to the Virginia Bar Association and the Virginia Attorney Generals office for perpetrating this ongoing fraud to scam homeowners. If you live in or you have a Foreclosure do not risk losing your home and your money by getting scammed by Storm (Norman) Bradford of the Mortgage Fraud Examiners. Storm (Norman) Bradford of the Mortgage Fraud Examiners is a known banking shill who makes money buying and selling securitized mortgages and reverse mortgages to and from the too-big-to-fail-banks that have defrauded millions of American homeowners out of their live savings and the properties, while he simultaneously spread lies and misinformation about companies trying to help homeowners fight to save their homes from foreclosure.

Storm (Norman) Bradford of the Mortgage Fraud Examiners have been caught racketeering and blackmailing competitors for money in exchange to stop spreading lies and rumors about them. Storm (Norman) Bradford of the Mortgage Fraud Examiners not only bad mouths all of his competitors, and spreads lies and disinformation about them, but even more disturbing is that he then tries to blackmail them for money to stop his hate campaign.

Storm Bradford and the Mortgage Fraud Examiners are not the only scams to avoid, however they are among the most expensive foreclosure rescue scams to avoid.

Storming Scamming Bradford of the Mortgage Fraud Examiners is scamming homeowners with lies and disinformation, while profiteering from buying and selling securitized mortgages and reverse mortgages to and from the too-big-to-fail-banks. His side business appears to be peddling a mortgage transaction analysis to unsuspecting homeowners. FRAUD STOPPERS and other leading industry experts recommend that you avoid this suspected scam artist at all cost. If you are currently experiencing difficultly with a mortgage or foreclosure we FRAUD STOPPERS recommends that you get the help of a local competent attorney, and you invest the time to get formal legal education to protect yourself from scammers like Storm Bradford of the Mortgage Fraud Examiners.

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If you or someone you know is currently experiencing difficulty with a mortgage loan, late on mortgage payments due to COVID-19 or other financial hardship conditions, or you are currently facing foreclosure, or you have already lost a property to foreclosure, take action right now and register for a FREE MORTGAGE FRAUD ANALYSIS & CONSULTATION CALL so we can help you can get the facts and help to get the legal remedy and justice the law entitles you to!

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Take advantage of the mortgage fraud and foreclosure fraud mortgage lenders and loan servicers are routinely committing and get the facts and help you need to get the legal remedy the law entitles you too and that you deserve by registering for a FREE MORTGAGE FRAUD ANALYSIS & CONSULTATION CALL

 

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