Your Options Before Foreclosure in Massachusetts

At Birch & Co. Properties, our mission is to help homeowners understand their options and make informed decisions during difficult situations. We are a local real estate solutions company — not attorneys, lenders, or financial advisors — and this page is designed to give you clear, easy-to-understand information about how foreclosure works in Massachusetts.

*Nothing here is legal advice. We strongly recommend speaking with a qualified attorney or HUD-approved counselor for guidance specific to your situation.*

Every homeowner deserves clarity, dignity, and support during financial hardship. Here are the most common and legitimate options MA homeowners have:

Option 1 — Reinstate the Loan

Catch up on missed payments plus fees.

Option 2 — Loan Modification

The lender changes the payment structure.

Option 3 — Repayment Plan

Temporary agreement to repay arrears.

Option 4 — Forbearance

Temporary pause or reduction in payments.

Option 5 — Short Sale

Sell for less than you owe with lender approval.

Option 6 — Deed-in-Lieu of Foreclosure

Voluntarily transfer the title to avoid foreclosure.

Option 7 — Traditional Sale

If equity exists, sell to recover funds.

Option 8 — Investor Options (like Birch & Co.)

For homeowners needing speed or creative alternatives.

Option 9 — Bankruptcy (Consult an Attorney)

Halts foreclosure; requires legal guidance.