You searched:
“can I get a mortgage with tax liens”
Tax liens are serious but they do not permanently bar you from homeownership. Many lenders work with borrowers who have resolved tax liens or are on payment plans with the IRS.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Unpaid federal or state income taxesSolution exists
- 2Property tax delinquencySolution exists
- 3Self-employment tax underestimationSolution exists
- 4Confusion over tax obligations after life changesSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
IRS Payment Plan Qualification
If you have an active IRS installment agreement with 3+ months of on-time payments, FHA and many lenders will approve you.
Available nowLien Release or Subordination
Request the IRS subordinate the lien to your mortgage. This does not remove it but allows the mortgage to take priority.
May take timeNon-QM with Tax Lien
Some Non-QM lenders approve with existing tax liens if you have a payment plan and sufficient equity or down payment.
May take timeTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200Tax issues should not stop your homeownership dream.
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Frequently Asked Questions
Yes, if you have an approved IRS payment plan with at least 3 months of timely payments and your DTI supports both the mortgage and the tax payment.
Not always. Being on an approved payment plan is often sufficient. Some programs require full payoff while others work with active agreements.
Since 2018, tax liens no longer appear on credit reports. However, lenders may still discover them through title searches and require resolution before closing.
Tax issues should not stop your homeownership dream.
We will reach out at a time that works for you. No pressure, no obligation.