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Cash Buyer Solutions: How to Successfully Sell a Property with Liens

Kentucky Cash home Buyers • October 6, 2023

When selling or buying a house, it is critical to confirm that it is free of all liens. Liens significantly complicate the selling process of a home. Sometimes, home buyers may not even know there are liens on their property until they’re uncovered during a title search as the deal moves toward the closing table. Or homeowners may already be aware of the lien but lack the funds to pay it off. 


In either case, all liens must be settled before a home sale can happen. “If you attempt to put a house up for sale with liens, you are going to run into delays,“ warns Nick Woodward, a real estate agent with Keller Williams in Connecticut. (1) In this guide, you will learn everything you need to know about selling a property with a lien to we buy houses Louisville, KY.

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What Are Property Liens and How Do They Work?

When there is a lien on your property, it acts as public notice of the creditor’s claim that you owe it money. The lien is usually filed in a county records office in real estate liens. Creditors lay liens on properties to collect the money they claim you owe them. A lien effectively converts that property into collateral to be used to repay the obligation. 


Is it possible to sell my house fast Louisville, KY, with a lien on it? To sell their house, a homeowner must have a clear title. This refers to a title that is free of liens and disputes. A lien is usually only removed when the debt is completely paid off. 

That is why so many creditors employ liens - they can make it extremely difficult for homeowners to sell their lien properties to we buy houses in Louisville, KY if a lien is placed against it.

Different Types of Liens 

Creditors can place many forms of liens on a home. These could include:



  • Mortgage Liens: When you borrow a mortgage loan to purchase a home, you sign a deed of trust as collateral to back up the obligation. This loan — known as a “first mortgage” — is then recorded by the mortgage lender, essentially creating a lien on the property. Any other loan on the property, such as a home equity credit line, serves as a second lien.
  • Liens for Homeowners’ Associations: If homeowners do not pay their dues on time, HOAs can impose liens on their property. 
  • Liens for Child Support: If you fail to pay court-ordered child support, the court may levy liens against your property.
  • Mechanic’s Liens: If you hire a contractor to undertake work on your house and you do not pay them, they can file a lien on your property. In this situation, a mechanic’s lien may take precedence over a mortgage claim.
  • Property Tax Liens.
  • Judgment liens.

Tips for Selling a House with a Lien to Cash Buyers

Pay the Lien Off

Although it may seem obvious, paying the lien off is the first step to selling your house to we buy houses Louisville. Paying off a lien is the simplest and most practical approach to clear the title and allow the property to be sold free and clear. Homeowners are sometimes unaware that they have a low-value lien on their property, preventing it from being sold. This is often the best alternative if you have the funds to pay off a minor, inconvenient lien.

Convince the Buyer to Buy the Property

Almost all buyers are hesitant to purchase a house with a lien. After all, purchasing a home already burdened by a prior owner’s obligations isn’t exactly a selling factor. However, not all buyers avoid encumbered property. Some buyers, particularly house-buying firms, may be willing to negotiate a price for the property if they agree to purchase it with all of its encumbrances. 



This is a far more involved process that necessitates the services of a knowledgeable real estate agent and, preferably, a real estate attorney.

Negotiate with the Lien Holder

Depending on the type of lien, creditors may be willing to negotiate a lien discount. Because many creditors know they may never obtain the full amount of the lien, they may be willing to reduce or remove parts of the debt in return for cash payment for a portion of the lien or a monthly repayment plan. In the end, creditors prefer to be paid something rather than nothing.

Statute of Limitations

Unless the judgment lien is released, a judgment lien created under this section continues until ten years from the judgment’s entry date. A knowledgeable real estate attorney can assist with transferring real estate with a judgment lien by finding that the statute of limitations has lapsed, effectively voiding the judgment.

Sell the House for Cash

A property owner can sell a house with a lien for cash to we buy houses for cash Louisville, KY in certain circumstances, depending on local law and regulations. Even in these cases, the lien will stay with the property, and if the new owner wants financing in the future, they will need to address and perhaps satisfy the claim. A preferable option is to pay the lien with the sale proceeds. Consider selling your house for cash to we buy ugly houses Louisville, KY, and enjoy the following merits.

  • Receive a reasonable monetary offer.
  • Your house could be sold in as little as ten days.
  • Sell your home as-is, with no renovations or commissions necessary.

Is it a Good Idea to Sell As-Is?

A debt on the property makes it nearly hard for certain owners to sell. Selling as is to we buy houses fast in Louisville, KY becomes the most viable choice. This allows you to use a percentage of the sale revenues to pay off debts and eliminates the need to invest in renovations, inspection fees, and other home-selling charges. Because the procedure is intricate, it’s best to rely on professionals who understand the laws of selling a house with a lien on it. 


In some circumstances, swiftly selling your property might get you out of this situation and give you a speedy infusion of cash to get you back on your feet.

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