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House Has a Tax Lien? We Settle It at Closing.

Back taxes or a lien on the title? We buy as-is, the title company pays the lien straight from the proceeds, and you keep what's left. Nothing out of your pocket.

Liens paid at closing
Nothing upfront
As-is, any condition

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A modest single-family house with a Sterling Home Offer yard sign: a fresh start is possible

Couple going through bills with a calculator at the kitchen table

"You don't write the checks."The title company settles the liens from the proceeds.

It Can Be Settled

The lien comes off.
You move on.

Property tax, IRS or state liens, HOA, judgments. A lien doesn't stop a sale, it just gets paid at closing. We build the payoff into the offer so there are no surprises at the table.

Penalties and interest stop growing
Selling before the auction stops the tax sale
Whatever remains after payoff is yours

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How It Works

Three simple steps.

You tell us, we crunch the numbers, you choose what's next.

Tell us what is owed

Property tax balance, a recorded lien, an IRS or state lien, back HOA? Rough numbers are fine. We pull public records to confirm what is attached to the property.

We build the payoff into the offer

You get a cash offer, and we map out which liens get cleared at closing and what is left for you. No guesswork, no surprises at the table.

We clear it at closing

The title company pays the liens straight from the proceeds. You sign, the liens come off the title, and you keep whatever remains.

Built for Real Situations

Built for selling a house with liens.

Even when the debt has been piling up for years, there is usually a clean way out. No fees. No repairs. No judgment.

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We pay the lien, not you

No writing a check before closing. The title company settles property tax, recorded liens, and back HOA straight from the sale proceeds.

Even when liens stack up

Multiple liens, penalties, and interest piling on? We still make an offer and sort the payoffs in order of priority so the title comes clean.

Stops the penalty clock

Unpaid taxes grow with interest and penalties every month. Selling stops the bleeding and clears the debt in a single move.

As-is, any condition

Lien trouble usually comes with deferred repairs. That is fine. We buy the house exactly as it sits, nothing to fix or clean.

Family smiling while signing closing documents

★★★★★

"Excellent company to work with! Highly recommended."

Smart Granite, Google review

A Brighter Tomorrow

The debt settled.
A real fresh start.

One closing clears the title, stops the penalties, and puts whatever remains in your pocket. The letters stop coming, and you start over.

Clear title at closing
No more penalty letters
A simple, stress-free process

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Answers to Your Questions

Common questions about selling with a tax lien.

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Can I sell a house that has a tax lien on it?

Yes. A lien doesn't stop a sale, it just has to be paid off or released at closing. The title company handles it from the sale proceeds, so the buyer gets clear title and you clear the debt in the same transaction.

What happens to the lien when I sell?

It gets paid off at closing from the sale proceeds before any money comes to you. Once it is paid, the lien is released and removed from the property's title. Whatever is left after all payoffs is yours.

Can I still sell if I owe more in liens than the house is worth?

Sometimes. If the debts are larger than the value, we may be able to negotiate with the lienholders to accept less so the sale can close, similar to a short sale. It is not guaranteed, but we will tell you straight whether the numbers work.

Do I have to pay the back taxes before I sell?

No. You do not pay anything upfront. The taxes and liens come out of the proceeds at closing, not your pocket.

Will the county let me sell before the tax sale or auction?

Usually yes, if you act before the auction. Selling and paying off the taxes stops the tax sale. The closer the auction date, the tighter the timing, so reach out early.

What kinds of liens can you handle?

Property tax liens, IRS or state tax liens, HOA liens, and most judgment or contractor liens. The title company identifies everything recorded against the property and clears it at closing.

Important: selling is one option among many. Sterling Home Offer is a direct cash home buyer, not a tax firm, law firm, or credit repair service. You may also have other options, such as a payment plan or settlement directly with the taxing authority, so please confirm your situation with a tax professional or attorney. Our offer is non-binding until you sign a written purchase agreement, you can walk away at any time, and we never charge you a fee.