IRS tax liens, HOA super-liens, contractor liens, judgment liens — you don't have to pay them off before selling. We handle it all at closing.
Get My Cash Offer NowLiens Cleared at Close • No Upfront Payoff • Cash Offer in 24 Hours
Liens feel like walls. We treat them as paperwork. Here's what we handle at closing so you don't have to.
Federal tax liens can be discharged or subordinated at closing with IRS cooperation. We work with title companies experienced in IRS lien resolution to get deals done.
Florida HOA super-liens can take priority over even a first mortgage. We know how these work and factor HOA payoffs into our closing analysis from day one.
Unpaid contractors can file a lien that blocks your title. We work with the lien holder or negotiate a release at closing so the sale can move forward.
A court judgment that has attached to your property must be resolved before clean title can transfer. We work with attorneys to satisfy judgment liens through the closing process.
A second mortgage or HELOC is paid off at closing from the sale proceeds just like a first mortgage. If the combined debt exceeds value, we can discuss options including short-payoff negotiations.
Multiple liens with competing priorities are complex but not unsolvable. We bring the right title professionals to untangle the priority order and close with a clear title.
We handle the complexity. You just sign and collect what's left after liens are cleared.
Share the property details and any liens you're aware of. We'll run a title search to identify everything on record — often revealing liens owners didn't know existed.
We identify total lien amounts, priority order, and payoff requirements. Then we make a cash offer that reflects the property's true equity after liens are resolved.
The title company pays off all liens at closing from the sale proceeds. You receive whatever equity remains — free and clear of every encumbrance.
You don't have to find the cash to pay off liens before selling. That's the point of closing proceeds.
| Factor | People's Industry (Cash) | Pay Off Liens Then List |
|---|---|---|
| Upfront Lien Payoff Required | No — handled at closing | Yes — cash out of pocket |
| Title Research | We run it for you | Your attorney at your cost |
| IRS Lien Negotiation | Handled by our title team | Requires separate tax attorney |
| Closing Timeline | 7–30 days depending on liens | 2–6 months minimum |
| Commission | $0 | 5–6% after liens paid |
| Risk if Liens Exceed Value | We discuss options | You're stuck |
No. You don't need to pay liens before selling — they are paid off from the sale proceeds at closing. The title company handles lien payoffs as part of every closing. You receive the remaining equity after liens and the mortgage are satisfied.
IRS federal tax liens attach to the property and must be resolved at closing. The IRS can accept a lien discharge or subordination to allow a sale to proceed. Our title company works with the IRS directly and we have experience navigating this process to reach a clean closing.
If total liens exceed the property value, we may still be able to help through negotiated lien reductions or short-payoff agreements with individual lien holders. Each situation is different. Contact us and we'll help you understand your realistic options honestly and without pressure.
A lis pendens (notice of pending litigation) complicates but does not necessarily prevent a sale. The outcome of the underlying litigation must be resolved or the lien holder must agree to release. We work with attorneys experienced in clearing lis pendens before or at closing.
Simple liens like contractor or HOA liens can often be cleared within the normal closing timeline of 7–21 days. More complex liens — IRS liens, judgment liens, or multiple overlapping liens — may take 30–45 days to resolve through proper channels. We'll give you a realistic timeline upfront so there are no surprises.
We buy lien-encumbered homes in Orlando and handle the payoffs at closing. Get your no-obligation cash offer today.
Get My Cash Offer NowAll lien types • No upfront payoff • No commissions • Liens cleared at close