Mass. Gen. Laws ch. 183C § 12 : REAL AND PERSONAL PROPERTY AND DOMESTIC RELATIONS — TO REAL PROPERTY — PREDATORY HOME LOAN PRACTICES — Advance payments from loan proceeds TEXT PDF A high-cost home mortgage loan shall not include terms pursuant to which more than 2 periodic payments required under the loan are consolidated and paid in advance from the loan proceeds provided to the borrower. Mass. Gen. Laws ch. 183C, § 12 Added by Acts 2004, c. 268,§ 6, eff. 11/7/2004.