Massachusetts Homebuyer's Manual: Your Complete Legal Protection Guide

Massachusetts homebuyers have significant legal protections under Chapter 93A (consumer protection), broker licensing regulations (254 CMR 3.00), and mandatory disclosure laws (lead paint, septic systems). Real estate agents have affirmative duties to disclose known material defects, even if sellers object. The Purchase & Sale Agreement is your binding contract with critical contingencies (inspection, financing, title). Understanding closing procedures, title insurance, and complaint remedies protects your investment. Common violations include misrepresentation, escrow misuse, dual agency without consent, and discrimination.

All Massachusetts homebuyers, first-time buyers, anyone signing a Purchase & Sale Agreement, buyers concerned about agent conduct, anyone who suspects violations or needs to file complaints, buyers navigating closing procedures.

• •Chapter 93A allows recovery of actual damages plus 2-3x damages and attorneys' fees for willful misconduct
• •Agents must disclose known material defects under 254 CMR 3.00, even if seller says 'don't tell'
• •Only two disclosures are legally mandatory: Lead Paint (pre-1978) and Septic Systems (Title V)
• •Purchase & Sale Agreement contingencies (inspection, financing, title) are your legal protection before closing
• •Massachusetts does not legally require owner's title insurance, but lenders require lender's policy
• •Board of Registration investigates complaints and can suspend/revoke licenses for violations
• •Chapter 93A requires written demand letter 30 days before filing suit