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.
World's Fair Capital makes business purpose loans to real estate investors in Massachusetts: fix and flip, DSCR rental, bridge and ground-up construction. This page covers points that most often matter to an investor there, each checked against the statute or agency that publishes it. It is general information, not legal or tax advice, and terms for any loan are set at underwriting.
Prepared by the WFC editorial team. Facts checked against the cited sources, last reviewed 2026-10-11.
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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.
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What to send for a first look
- Property address and type
- Purchase price, or current value on a refinance
- Loan amount requested and what it is for
- Rehab or construction budget, if any
- Current or expected rent on a rental
- The borrower's experience and estimated credit score
- Your timeline to close
Loan programs for Massachusetts investors
- 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
Program availability varies by property and borrower. Business purpose loans only.
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Rates, fees, terms, timelines, and program descriptions are subject to change without notice.
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