Selling or Refinancing When There Is an IRS Lien

Remove My Lien Selling or Refinancing When There Is an IRS Lien

How to Sell or Refinance When There Is an IRS Lien

There are many reasons why you might want to sell your home. Maybe you need to move for a new job, or you want to downsize after your children have moved out. Whatever the reason, there can be a lot of stress associated with the process. One thing that can make it even more complicated is if you have an IRS lien on your property.

The whole process of selling or refinancing a home when there is an IRS lien can be challenging. You cannot sell or refinance until your lien is satisfied. And you need to be a bit strategic with your efforts to get the lien removed.

However, you can opt for a much easier way which is using DoNotPay to remove the IRS lien. DoNotPay will guide you on all the steps to take and will handle all the paperwork for you. Read on to learn how to remove a tax lien from your property.

What Is Selling or Refinancing When There Is an IRS Lien?

Selling or refinancing your home usually requires the approval of a lender. This is because they provided the funds to purchase the house.

When you have an IRS lien on your property, it means that the government has a claim against your assets. This can make it more difficult to get approved for a loan, as lenders may be worried about getting their money back. A home lien may be a result of many things:

  1. Failure to pay taxes
  2. Debt took to buy a home
  3. Failure to pay
  4. You owe child support or spouse alimony

Can You Sell or Refinance When There Is an IRS Lien on Your Property?

The answer to this question is yes, but it may be more difficult than if you didn't have a lien. You will likely need to provide the lender with additional documentation proving that you can still make the payments.

How to Remove a Tax Lien From Your Property 

There are two forms you need to fill out in order to remove a tax lien from your property.

FormUsed WhenDetails
DischargeYou're selling your homeA discharge means the IRS will need to remove the lien from the property so that they can transfer the home to the new property owner free of the lien.
SubordinationYou want to refinance your homeSubordination means the IRS gives other creditors the right to be paid before the tax lien is paid.

You need to get your discharge or subordination application to the IRS at least 45 days before the selling or refinancing meeting date. The application needs to be filled out completely and the required documents should be provided as requested. Failure to complete the application will delay the IRS decision.

If you are having trouble getting approved for a loan or selling your home, there are some things you can do to remove a tax lien from your property:

  1. One option is to negotiate with the IRS through a representative. This can be a difficult process as you have to find and hire someone professional to speak on your behalf. But it may be worth it if you can get the lien removed.
  2. Another option is to use a service like DoNotPay. We can help you remove a tax lien from your property by providing the relevant information to your lien and sending a letter to the IRS to negotiate the removal of the lien from your property so that you can sell or refinance it.

Remove an IRS Lien With DoNotPay 

DoNotPay can help you remove a tax lien from your property. We will handle all your paperwork and guide you on all you need to do. All you need to do is sign up for our service and we will take care of the rest. We have helped thousands of people remove their liens, and we can help you too.

  1. Search for remove my lien on DoNotPay.


  2. Start our Remove My Lien product.


  3. Answer some questions about your specific lien and let us help you craft a letter to your creditor to resolve the issue.


What Else Can DoNotPay Do?

DoNotPay's Remove A Lien product is designed to help you remove liens on property and vehicles, or even personal liens affecting your credit. We can help you learn more about the following:

We can help you solve other non-lien issues, including:

Need Help Selling or Refinancing When There is an IRS Lien? We Can Help! 

It is possible to sell or refinance your home even if you have an IRS lien on your property. You'll need to follow all the rules set by the IRS. And at times you may require to have someone to represent you.

However, you can make things much easier for you. You can use the DoNotPay service to handle all the work for you. DoNotPay is fast, convenient, and automated. We make selling or refinancing a property with a tax lien a breath of fresh air. Join us today and let's remove that IRS lien.

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