Massachusetts enforces mortgages through a statutory power of sale, with published and mailed notice requirements set out in c. 244, and the coast has a documented history of hurricane storm surge. Mechanic's lien filing periods under c. 254 are worth noting when a project is funded in draws.
Prepared by the WFC editorial team. Facts checked against the cited sources, last reviewed 2026-10-11.
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- 1Start your application
Fill out a short application in our secure portal.
- 2Review the term sheet
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- 3Underwriting
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- 4Closing
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What investors should know about Massachusetts
Foreclosure by power of sale
A Massachusetts mortgage can be enforced by sale under a power of sale. The statute requires notice to be published once a week for 3 successive weeks, with the first publication at least 21 days before the sale, and mailed to owners of record at least 14 days before.
Source: M.G.L. c. 244, s. 14, checked 2026-10-11
Statutory power of sale in the mortgage
State law defines a Statutory Power of Sale that can be incorporated into a mortgage by reference, allowing sale of the premises at public auction after default.
Source: M.G.L. c. 183, s. 21, checked 2026-10-11
Notice before a deficiency claim
No deficiency action may be brought after a foreclosure sale unless the mortgagee mailed a written notice of intention to foreclose, with a warning of deficiency liability, at least 21 days before the sale date.
Source: M.G.L. c. 244, s. 17B, checked 2026-10-11
Coastal storm surge history
The National Weather Service Boston office records that the 1938 hurricane left sections of Falmouth and New Bedford under as much as 8 feet of water.
Source: NWS Boston, The Great Hurricane of 1938, checked 2026-10-11
Mechanic's lien filing deadline
A Massachusetts mechanic's lien is dissolved unless a statement of amount due is filed within set periods, including 120 days after the last labor or materials were furnished. This matters when construction draws are scheduled.
Source: M.G.L. c. 254, s. 8, checked 2026-10-11
General information, not legal or tax advice. Confirm details with your own counsel or title agent.
For brokers
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What to send for a first look
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Loan programs for Massachusetts investors
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Program availability varies by property and borrower. Business purpose loans only.
Massachusetts hard money loan questions
Does World's Fair Capital make hard money loans in Massachusetts?
Yes. World's Fair Capital makes business purpose loans to real estate investors in Massachusetts: fix and flip, DSCR rental, bridge and ground-up construction. Terms for any loan are set at underwriting.
What types of Massachusetts investment loans are available?
Hard Money Loans, Fix & Flip Loans, Rental / DSCR Loans, Ground-Up Construction Loans, Commercial Bridge Loans, Multifamily Bridge Loans, Small Balance Commercial Loans, Foreign National Loans, FlexCap Business Bridge Loans. Availability varies by property and borrower. Business purpose loans only.
How do I start a Massachusetts loan request?
Start an application in our secure portal, request a quote, or call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST). We prepare a term sheet for you to review and e-sign, then underwriting sends a clear document checklist.
Can a broker submit a Massachusetts deal to World's Fair Capital?
Yes. Brokers register in our portal to submit deals online and track every file. The broker's compensation is written into the Letter of Intent the borrower reviews and e-signs before underwriting begins.
Have a deal in Massachusetts?
Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST) or start online.
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Rates, fees, terms, timelines, and program descriptions are subject to change without notice.
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