Mass. Gen. Laws ch. 171 § 65
"Commissioner", the commissioner of banks.
"Loan", a loan or line of credit, whether secured by collateral or security of any nature or unsecured, for consumer or other purposes other than a real estate loan.
"Real estate", land or property, including improved land with a dwelling, owner occupied or unoccupied dwellings, unimproved land, farmland, a unit of a condominium, shares of stock issued by a co-operative housing corporation, leasehold interests under a lease which does not expire for at least 5 years beyond the maturity date of the loan, leasehold interests created in air rights over land, and any other interest in land.
"Mortgage loan", a loan, line of credit, or borrowing secured primarily by a lien on an interest in real estate, with the exception of a loan described in subsection (c) of section 65A.
"Non-recourse reverse mortgage loan", a reverse mortgage loan which limits the lender's recovery solely to the value of the property at the time the loan becomes due and payable.
Mass. Gen. Laws ch. 171, § 65