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MALast updated: 2026-01
Massachusetts Regulations
Comprehensive guide to seller financing laws, usury limits, and disclosure requirements in Massachusetts.
Maximum Interest Rate
20%
Business exemptions may apply
Usury Laws
Interest rate limits and penalties
Maximum Rate
20%
Penalty Type
Criminal penalties possible
Notes
Criminal usury over 20%. Civil usury limits vary by loan type.
Business Exemption
Business loans are generally exempt. Loans over $1,000 have higher limits.
Seller Financing Requirements
Disclosures, licensing, and restrictions
Required Disclosures
- Seller's Statement of Property Condition (optional but common)
- Lead-based paint disclosure (pre-1978)
- Title V septic compliance
Licensing Required
No license required
No license required for seller financing own property.
Consumer Protection
Applicable laws protecting buyers
- Massachusetts Consumer Protection Act (Chapter 93A)
Real Estate Specifics
Foreclosure process and property laws
- Mortgage state (judicial foreclosure)
- Non-judicial power of sale also available
- No statutory redemption after sale
Legal Disclaimer
This information about Massachusetts regulations is provided for educational purposes only and does not constitute legal or tax advice. Laws change frequently and vary by county and municipality. Always verify current regulations with a licensed Massachusetts attorney before entering into any seller financing arrangement.