permits homeowners to protect the family residence from creditors by
filing a Declaration of Homestead at the Registry of Deeds.
Here's how the homestead works: You just fill out the form and
record it at the Registry of Deeds. Once that's done, up to $500,000
in the equity of your home is exempt from the laws of debt
collection. In other words, if a creditor obtains a court judgment
against you, the creditor cannot force the sale of your home to
satisfy the debt.
To record a homestead in person:
Come to the Middlesex North Registry of Deeds (360 Gorham St,
Lowell) on business days from 8:30 a.m. until 4:00 p.m. We provide
you with the necessary form and will notarize your signature. The
recording fee for the homestead is $35 (cash or check only). We will
scan the homestead, retain an electronic copy, and return the
original to you while you wait. The entire process takes 5 minutes.
For married couples: Both spouses must be present
to sign the homestead.
To record a homestead by mail:
Download and print a
homestead form. Fill out the form and sign it in front
of a notary public who will acknowledge your signature.
Mail the completed form, a check payable to Registry of Deeds for
$35, and a self-addressed, stamped envelope to Middlesex North
Registry of Deeds, 360 Gorham St, Lowell MA 01852. We will record
the homestead and mail the original back to you.
Do I already have a
Homestead: Call us at (978) 322-9000 or
email and we'll check
if you do. Or check for yourself by searching your name on our
To download a blank Homestead form CLICK
To download a blank Homestead form for
property held in trust CLICK
To read the Massachusetts Homestead
Law (MGL c.188), CLICK
To download a Homestead Q & A