Introduction
Receiving a foreclosure or service member notice does not mean you’re out of options. Massachusetts has specific steps and timelines that homeowners should understand clearly.
Stages of Foreclosure:
- Missed payments / Pre-foreclosure
- Default notices
- Service member / Foreclosure notices
- Auction scheduled
Options That May Still Be Available:
- Reinstatement
- Modification
- Selling before auction
- Staying in the home while resolving hardship
- Avoiding long-term credit damage
How Harbor & Stone Helps:
We clarify timelines, evaluate your home’s value at different levels, review your equity position, and guide you toward informed decisions. (We do not provide legal advice.)


