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Selling Your Cumberland Home with Tax Liens? Here’s How!

by | May 10, 2023

Selling Your Cumberland Home with Tax Liens? Here’s How!

Are you planning to sell your Cumberland home with tax liens attached? Don’t worry, we’ve got you covered! In this article, we’ll walk you through the process of selling a home with tax liens, help you understand your options and provide useful tips to make the process less daunting. Let’s dive in!


Understanding What a Tax Lien Is

A tax lien is a legal claim by the government against your property due to unpaid taxes. If you neglect to pay your property taxes or income taxes, the government can place a lien on your home, making it difficult for you to sell. The good news is that even if you have a tax lien, you can still find ways to sell your Cumberland home.


Exploring the Possible Selling Options for Homeowners Facing Tax Liens

When it comes to selling a home with tax liens, there are a few options available to homeowners:


– Pay off the lien in full. This is the most straightforward option. Once you’ve paid your debt, the lien will be removed from your property, allowing you to proceed with the sale process without any issues.

– Negotiate a payment plan with the tax authority. In some cases, you can work out a payment plan with the tax authority to gradually pay off your debt. This can help you remove the lien on your home and make it more attractive to potential buyers.

– Sell the property subject to the tax lien. If you’re unable to pay off the lien or negotiate a payment plan, you can still sell your home, but the lien will remain attached to it. This means the buyer will assume responsibility for the lien, which can make it difficult to find interested buyers.

– Negotiate a short sale. In a short sale scenario, you’ll sell your home for less than what you owe on your mortgage, with your lender’s approval. Often, the lender will accept a lower amount to avoid the lengthy and costly foreclosure process. While this won’t rid you of the tax lien, it can help cover other debts.


Key Steps to Successfully Sell a Home with Tax Liens in the Cumberland Area


  1. Hire a real estate agent. Working with a licensed real estate agent who has experience with tax liens can help you navigate the process of selling your home more smoothly. They can provide advice on pricing, negotiating with buyers, and working with the tax authority to find a solution that works for you.  
  2. Consult a tax attorney. A tax attorney can help you understand your rights and the legal intricacies of selling your home with a tax lien. They can also assist in negotiating a payment plan with the tax authority and advising on how to proceed with the sale.  
  3. Be transparent with potential buyers. Honesty is always the best policy when it comes to selling a property with a tax lien. Make sure to disclose the lien and let the buyers know the status of any negotiations or payment plans you have with the tax authority.  
  4. Research tax relief programs. Look into any available state and local tax relief programs for homeowners. These programs can help you negotiate a payment plan or even reduce the amount you owe, making it easier to sell your home.  
  5. Prepare your property for sale. Just because you have a tax lien doesn’t mean you can’t spruce up your property to make it attractive to potential buyers. Get any necessary repairs done, invest in landscaping and staging, and add curb appeal with a fresh coat of paint. All of these efforts can help you improve the marketability of your home.   


If you’ve got a property with a tax lien in Cumberland and you are planning to sell it, don’t fret!  We at Allora Homes can get you sorted. 


We houses in Cumberland directly, clear off the tax lien, and help you start a new chapter in your financial journey. You can go ahead and experience a hassle-free selling process with our reputable cash home buying services.


If you need to sell your Cumberland house quickly we’re here for you! Don’t hesitate to contact us today and we’ll assist you in selling your house effortlessly.

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