We are dealing with a similar but more much complicated situation. In many other places, I’m sure in Texas as well, the RMV/DMV electronically pull the title but MA requires the original PHYSICAL copy. I say this with emphasis because we had to fight with our lien holder tooth and nail to get them to send the physical copy to the RMV. Many lien holders, especially ones who don’t regularly do business in MA, will tell you you’re wrong and that it’s all done electronically.

Also, there is a very specific place to send the title. It’s not just your local RMV. Make sure to send to the RMV title office. Another option would be to have your lien holder send the title to your insurance, and the RMV should be able to confirm it with your insurance or something, but I’m not quite aware of how that pathway would play out. Sounds like more steps for things to go wrong.

Good luck and as one Texan transplant to another, Welcome!