Facing foreclosure in Massachusetts?

You have more options than it may feel like right now

Falling behind on a mortgage is stressful, and the letters and phone calls can make it feel like the decision has already been made for you. It has not. Many Massachusetts homeowners who are behind on payments still have real choices, and one of them is selling the home for cash before the foreclosure is complete. Our goal on this page is to lay out the general picture honestly so you can decide what is right for your family.

How the foreclosure timeline generally works in Massachusetts

Every situation is different, but in general terms the process tends to follow a familiar shape:

• After you miss payments, your lender typically must give you notice and, in most cases, a right-to-cure period — a window of time to catch up on what you owe before the lender can move forward.
• If the loan is not brought current during that period, the lender can later take steps to proceed toward a foreclosure sale (sometimes called an auction).
• Up until that sale happens, you generally still own the home, which means you may still be able to sell it yourself.

This is a simplified, general description and not a substitute for advice about your specific loan. The exact notices, deadlines, and rights depend on your lender, your loan documents, and current Massachusetts law.

How a cash sale can help you avoid foreclosure

When there is still time before the foreclosure sale date, selling your house can be a way to take control of the outcome rather than waiting for it. A straightforward cash sale can help in a few ways:

• Speed and certainty. Because we pay cash and do not rely on bank financing, there is no lender approval to wait on and far less that can fall through at the last minute.
• Paying off the loan. If the sale closes in time, the proceeds can be used to pay off your mortgage and any liens, which stops the foreclosure from going forward.
• Protecting your equity. If your home is worth more than you owe, selling before a foreclosure sale can help you walk away with the remaining money instead of risking it.
• Selling as-is. You do not need to make repairs, clean out the house, or spend money you may not have right now.

We will not pressure you

This is a hard moment, and we treat it that way. We will give you a clear, no-obligation cash offer and explain how we reached it. If selling is not the best path for you, we will say so. There are no fees, no commissions, and no pressure to decide on the spot. You are always free to walk away.

Talk to a HUD-approved counselor or an attorney too

Before you make a decision this important, please also speak with a HUD-approved housing counselor and consider talking to an attorney. A counselor can review options you may not have considered, including loan modification, forbearance, or other programs, often at no cost. An attorney can explain your specific rights and deadlines.

This page is general information, not legal or financial advice. We are not your attorney, and we cannot promise any particular outcome with your lender or in court. The right choice depends on the details of your loan and your situation, so please confirm anything important with a qualified professional before you act.