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Tax liens from the IRS or state tax authorities create complications for mortgage approval, but they are not automatic disqualifiers. FHA loans allow borrowers on approved IRS payment plans to qualify, and Non-QM lenders offer additional flexibility. Understanding the process of lien subordination and payment plan documentation is critical to navigating this challenge successfully.

IRS tax lien blocking mortgage approval in New Jersey

Confused about lien subordination requirements in New Jersey

Unsure if you can qualify with tax debt in New Jersey

FHA allows mortgages with IRS payment plans in good standing.

Tax liens can be worked around with the right strategy.

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Thousands of homeowners face the same challenges every year. Our experienced team has helped families across 29 states find mortgage solutions tailored to their unique situations.

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Solutions for Tax Lien Mortgage in New Jersey

NMHL offers multiple pathways to homeownership for New Jersey borrowers.

FHA with IRS Payment Plan

FHA loans allow borrowers with federal tax liens to qualify if they have been making payments on an approved IRS installment agreement for at least three months and obtain IRS approval to subordinate the tax lien to the mortgage.

3 months of IRS payments required Lien subordination available Standard FHA terms apply

Non-QM Flexible Programs

Non-QM lenders may work with borrowers who have tax liens, especially those with strong compensating factors such as large down payments, significant assets, or high income. These programs evaluate the full financial picture rather than focusing solely on the lien.

Flexible underwriting Compensating factors considered Alternative to FHA path

Tax Resolution Guidance

NMHL loan officers coordinate with tax professionals to help you establish the documentation and payment plans needed to qualify. We guide you through the subordination process and timeline.

Tax professional coordination Subordination assistance Clear timeline to approval

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Tax Lien Mortgage in New Jersey - FAQs

Can I get a mortgage with a tax lien in New Jersey?

Yes. NMHL is licensed in New Jersey and helps borrowers with tax liens navigate the mortgage process. Whether you have a federal IRS lien or a New Jersey state tax lien, our loan officers can identify qualifying programs and guide you through the subordination process.

Does New Jersey have specific rules about tax liens and mortgages?

New Jersey may have state-specific requirements regarding tax lien subordination and resolution. NMHL loan officers in New Jersey understand both federal and state requirements and coordinate with tax professionals to ensure your application meets all guidelines.

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Tax Lien Mortgage in New Jersey? We Can Help.

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We Understand What You're Going Through

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