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Mass. General Laws c.244

Foreclosure and redemption of mortgages

This page links to an unofficial version of each section of G.L. c. 244. Please note that sections that appear missing have been either reserved for future use or repealed.

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§ 1 Foreclosure by entry or action; continued possession 
§ 2 Entry without judgment; memorandum or certificate; recording 
§ 3 Declaration by mortgagees; conditional judgment 
§ 4 Procedure 
§ 5 Form of conditional judgments generally 
§ 6 Form in special cases 
§ 7 Discharge or release on satisfaction of execution 
§ 8 Form of action; parties 
§ 9 Right of entry before breach 
§ 10 Foreclosure and redemption where entry made before breach 
§ 11 Mortgages containing power of sale; court order for sale 
§ 12 Procedure after sale 
§ 13 Necessary parties 
§ 14 Foreclosure under power of sale; procedure; notice; form 
§ 14A Foreclosure database; annual report on developments and trends in residential property foreclosures 
§ 15 Copy of notice; affidavit; recording; evidence; effect of legal challenges 
§ 15A Mortgagee taking possession or conveying title; notice 
§ 17 Conveyance by mortgagor; effect 
§ 17A Limitation of actions 
§ 17B Notice of intention to foreclose; necessity; form; notice and affidavit 
§ 17C Waiver of provisions of Secs. 17A and 17B; validity 
§ 18 Persons authorized to redeem 
§ 19 Tender of payment or performance 
§ 20 Accounting 
§ 21 Time for tender; suit for redemption  
§ 22 Suit without previous tender 
§ 23 Amounts not in dispute; order for payment 
§ 24 Costs 
§ 25 Defective tender 
§ 26 Venue 
§ 27 Judgment of possession 
§ 28 Interest 
§ 29 Execution for possession 
§ 30 Judgment and execution for balance 
§ 31 Distribution of money tendered and paid into court 
§ 32 Intervention 
§ 33 Survival of right of redemption 
§ 34 Tender to guardian or conservator 
§ 35 Opening foreclosure; right of redemption 
§ 35A Right of residential real property mortgagor to cure a default; good faith effort to negotiate for commercially reasonable alternative to foreclosure; response from borrower; affidavit upon initiation of foreclosure proceedings 
§ 35B Requirement of reasonable steps and good faith effort to avoid foreclosure; criteria; notice of right to pursue modified mortgage; recording of affidavit of compliance 
§ 35C Creditor actions in violation of chapter 

Amended by St. 2024, c. 238, § 269, effective November 20, 2024

§ 36 Excess received by mortgagee; recovery 
§ 37 Discharge of mortgages held by commonwealth 
§ 38 Foreclosure 
§ 39 Redemption generally 
§ 40 Action for redemption; jurisdiction; process; payments; discharge 
§ 41 After property is vacated following mortgage foreclosure, the owner or lessor should inspect it for abandoned animals 

Added by St.2018, c.219, § 21, effective November 7, 2018

§ 42 Protections for impacted federal workers facing mortgage foreclosure during federal government shutdown 

Added by St. 2025, c. 73, § 55, effective November 25, 2025.

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