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Understanding Tax Lien Mortgage
Tax liens from the IRS or state authorities are one of the most misunderstood barriers to mortgage approval. Many borrowers assume a lien means automatic denial, but FHA guidelines specifically allow borrowers on approved IRS installment agreements to qualify. The key requirements are three months of timely payments and an IRS subordination agreement allowing the mortgage to take priority.
FHA specifically addresses tax lien borrowers
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Frequently Asked Questions
Subordination is when the IRS agrees to let the mortgage lien take priority over the tax lien on your property. This means if the property were sold, the mortgage would be paid first. The IRS has a formal process for subordination requests, and approval typically takes 30-45 days.
Yes, refinancing with a tax lien follows similar guidelines to purchasing. FHA Streamline refinances may be available for existing FHA borrowers. For conventional refinances, the lien typically needs to be resolved or subordinated. NMHL can evaluate your specific situation.
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