In Massachusetts, most foreclosures are nonjudicial, which means the lender does not have to go to court to sell your home. It does, however, have to provide you with certain notices along the way. If you do lose your home in foreclosure, the mortgage lender can file a separate lawsuit to collect a deficiency from you (the difference between the sale proceeds and what you owe on the mortgage).

Several cities in Massachusetts have passed ordinances requiring lenders to participate in foreclosure mediation. This can help you negotiate an alternative to foreclosure with the lender. These ordinances have other aspects that help the community as well.  

Below you can learn about foreclosure law in Massachusetts. Also check out our Foreclosure section for more articles on government foreclosure prevention programs, defending against foreclosure, alternatives to foreclosure, and more.