Housing (Mortgages)

introduced · Massachusetts · House

HD 1763: An Act establishing a first-time home buyers bill of rights

HD 1763 requires real estate agents, brokers, and mortgage brokers in Massachusetts to provide first-time homebuyers with a standardized homebuyers' guide developed by the Massachusetts Housing Finance Agency (MHFA) before key steps in the home purchase process. The guide must cover essential topics like home inspections, lead paint disclosure, environmental regulations, mortgage terms, and the roles of agents, attorneys, and associations. Real estate professionals and mortgage brokers who fail to provide the guide face fines of up to $100 per violation. The bill directly affects first-time homebuyers and the real estate/mortgage industry by mandating this information to help buyers make informed decisions. The MHFA must create and publish the guide online, including specific resources about home buying processes and legal disclosures.

Topics ✓ HousingSupports HousingMandates standardized guide for first-time buyers to improve transparency in home purchasing process, aiding informed decisions and access to housing.95% confidence

Sub-Topics Homeownership Housing Finance Mortgages

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passed · Massachusetts · House Feb 27, 2025

HD 4238: An Act to establish a Resolution Trust Fund for receipt of reasonable mortgage payments

By Representative DuBois of Brockton, a petition (accompanied by bill, House, No. 1146) of Michelle M. DuBois for legislation to establish a publicly owned and administered trust fund for receipt of reasonable mortgage payments. Financial Services.

Topics ✓ HousingSupports HousingEstablishes public trust fund for mortgage payments to prevent foreclosure, supporting housing stability and affordability as a core housing policy measure.80% confidence

Sub-Topics Mortgages

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passed · Massachusetts · House Mar 26, 2026

H 1983: An Act relative to unlawful practices in the servicing and foreclosure of a subordinate mortgage

By Representative Sangiolo of Newton, a petition (accompanied by bill, House, No. 1983) of Amy Mah Sangiolo, Patrick Joseph Kearney and David Henry Argosky LeBoeuf relative to the servicing and foreclosure of subordinate mortgages. The Judiciary.

Topics ✓ HousingSupports HousingBill targets unlawful foreclosure practices, protecting property rights related to housing through judicial oversight of subordinate mortgage servicing.75% confidence

Sub-Topics Mortgages

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introduced · Massachusetts · House

HD 1526: An Act protecting the interests of housing cooperative shareholders

HD 1526 creates a new tax deduction for resident shareholders in Massachusetts housing cooperatives. The deduction applies to shareholders who lived in their cooperative unit for the entire tax year and did not claim a federal deduction for real estate taxes or mortgage interest. This provision specifically targets housing cooperatives organized under Chapter 156B or Chapter 157 of the General Laws. The bill directly benefits qualifying cooperative residents by providing a state-level tax break.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill creates a state tax deduction for housing coop shareholders, providing tax relief to qualifying residents, aligning with support indicators for middle-income tax relief.95% confidence ✓ HousingSupports HousingProvides state tax deduction for housing coop shareholders, lowering costs for affordable housing residents in Massachusetts.95% confidence

Sub-Topics Tax Incentives Mortgages

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introduced · Massachusetts · House

HD 1141: An Act relative to assisting elders and people with disabilities in the Commonwealth

This bill (HD 1141) updates Massachusetts assistance programs for elders and people with disabilities. It requires that individuals experiencing homelessness - those with no permanent residence or staying in temporary shelters - to receive the same payment rates as those paying for shelter (like rent or mortgage), with the department creating rules to implement this. It also mandates annual budget increases for recipients based on the U.S. Consumer Price Index plus an additional percentage approved by the legislature, and sets the program's maximum benefit level equal to a similar program in Chapter 118. These changes directly affect low-income elders and disabled residents who are homeless or in temporary housing.

Topics ✓ Budget & TaxesSupports Budget & TaxesMandates annual budget increases for recipients based on CPI + additional percentage, funding essential elder/disability assistance programs.95% confidence ✓ HousingSupports HousingBill mandates equal payment rates for homeless individuals (vs. shelter rent/mortgage), directly addressing homelessness and housing stability for vulnerable populations.90% confidence

Sub-Topics Homelessness Mortgages Renters

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passed · Massachusetts · Senate Feb 27, 2025

SD 2314: An Act to facilitate alternatives to foreclosure

By Mr. Gomez, a petition (accompanied by bill, Senate, No. 1130) of Adam Gomez for legislation to facilitate alternatives to foreclosure through the Massachusetts Foreclosure Mediation Program. The Judiciary.

Topics ✓ HousingSupports HousingBill facilitates foreclosure mediation to prevent homeowners from losing housing, protecting property rights and preventing displacement. Directly advances housing stability through foreclosure alternatives.90% confidence

Sub-Topics Mortgages

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passed · Massachusetts · Senate Jan 29, 2026

S 1140: An Act establishing a foreclosure review division

By Mr. Kennedy, a petition (accompanied by bill, Senate, No. 1140) of Edward J. Kennedy for legislation to establish a foreclosure review division. The Judiciary.

Topics ✓ HousingSupports HousingBill establishes foreclosure review division to prevent wrongful foreclosures, protecting homeowners' property rights (a core housing policy aspect) without addressing tenant protections or affordability directly.85% confidence

Sub-Topics Mortgages

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passed · Massachusetts · House Nov 10, 2025

H 1090: An Act establishing a Massachusetts foreclosure prevention program

By Representative Barber of Somerville, a petition (accompanied by bill, House, No. 1090) of Christine P. Barber and others relative to establishing a foreclosure prevention program. Financial Services.

Topics ✓ HousingSupports HousingForeclosure prevention protects homeowners from losing property, advancing housing stability and property rights per bill title and summary.90% confidence

Sub-Topics Mortgages

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introduced · Massachusetts · House

HD 134: An Act relative to reducing damage caused by the current foreclosure crisis in the historic districts of Massachusetts

This bill creates Historic District Stabilization Committees in Massachusetts communities facing foreclosure crises in designated historic areas. The committees, formed by local organizations, can acquire properties through eminent domain at fair market value to prevent vacant/vandalized homes. They must conduct market studies to establish a Community Appraisal Framework, manage occupied properties through homeowner counseling, and restore vacant properties to meet federal rehabilitation standards. These committees will also market acquired properties using the established framework to stabilize neighborhood values. The bill directly affects historic districts with high foreclosure rates, aiming to protect community investments without harming legitimate financial interests.

Topics ✓ HousingSupports HousingPrevents vacant properties in historic districts via eminent domain acquisition and rehabilitation, stabilizing housing stock and preventing loss of affordable units during foreclosure crisis.95% confidence

Sub-Topics Historic Preservation Homeownership Mortgages

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introduced · Massachusetts · House

HD 230: An Act relative to protection of a deceased family member against foreclosure and other civil action

This bill (HD 230) protects the family home of a deceased person from foreclosure or other civil actions while the estate is being settled through probate court. It allows the estate to request a 90-day delay in these actions by submitting two documents: proof that probate is preventing payment for home ownership costs, and a bank letter confirming the estate cannot access funds to pay. After probate appoints a personal administrator, creditors can seek back payments but cannot charge late fees unless the court finds the estate intentionally delayed the process. This directly affects families managing a deceased relative's home during probate, ensuring they have time to resolve financial matters without losing their home.

Topics ✓ HousingSupports HousingProtects family homes from foreclosure during probate, preventing forced sale and strengthening housing stability for estates during settlement.95% confidence

Sub-Topics Mortgages

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