Introduction
Selling a home with liens can feel overwhelming, but it’s not impossible. Whether you have tax liens, judgment liens, or unpaid contractor liens, you still have options to sell your property and move forward.
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This guide will walk you through how to sell a home with liens in Springfield, MO, how to resolve them, and what to do if you can’t afford to pay them off.
1️⃣ What Is a Lien & How Does It Affect a Sale?
🏡 A lien is a legal claim against your property that must be paid before the home can be sold.
📜 Types of Liens:
- Tax Liens – From unpaid property taxes or IRS debt.
- Judgment Liens – From unpaid debts, lawsuits, or court-ordered settlements.
- Mechanic’s Liens – Filed by contractors for unpaid home improvement work.
- Mortgage Liens – Your home loan itself is a type of lien.
✅ Pro Tip: You cannot sell a home with active liens unless the debt is settled or negotiated.
2️⃣ How to Find Out If Your Home Has Liens
📑 Check Public Records – Visit the Greene County Recorder’s Office or check online for any recorded liens.
🔍 Request a Title Search – A title company can verify any outstanding liens.
📞 Contact Creditors – If you suspect a lien, call the agency or company that placed it.
✅ Pro Tip: Liens can delay a home sale—so research them early in the process.
3️⃣ How to Resolve Liens Before Selling
💰 Pay Off the Debt – The quickest way to clear a lien is to settle the amount owed.
🤝 Negotiate a Lien Release – Some creditors will accept partial payments in exchange for a lien release.
⚖️ Dispute Incorrect Liens – If you believe a lien is wrongful or outdated, you can contest it in court.
📄 Request a Lien Subordination – This allows the home sale to go through, with the lien paid from the proceeds.
✅ Pro Tip: Some buyers won’t wait for lien resolution, so act quickly.
4️⃣ Can You Sell a Home with a Lien?
Yes! But here’s what you need to know:
🔹 Sell Traditionally – Pay the lien before closing or negotiate payment at closing.
🔹 Sell to a Cash Buyer – Some investors buy homes with liens, resolving the debts for you.
🔹 Short Sale (If You Owe More Than Your Home’s Worth) – Requires lender approval and can take longer.
✅ Pro Tip: A cash buyer can close quickly even if liens exist, helping you avoid a lengthy sales process.
5️⃣ Selling to a Cash Buyer with Liens
If you can’t pay off your liens, a cash sale may be your best solution.
🚀 Fast Closing – No waiting for lender approvals.
🚀 No Repairs Needed – Sell as-is, even with title issues.
🚀 Liens Can Be Resolved at Closing – Many investors will negotiate and settle liens as part of the sale.
✅ Pro Tip: A cash sale eliminates the hassle of dealing with liens yourself and speeds up the selling process.
Conclusion
Selling a home with liens in Springfield, MO is possible—you just need the right strategy. Whether you pay off the debt, negotiate a lien release, or sell to a cash buyer, acting quickly can help you close the deal without unnecessary delays.
If you need a hassle-free way to sell with liens, a cash buyer may be your best option.
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Call to Action
If your going through foreclosure right now and need help on navigating through it, check out our helpful blog: How to Navigate Pre-Foreclosure, for some tips and guidance on what to do.
Don’t let financial hardship or property challenges force you to sell under pressure. If you’re a homeowner facing foreclosure, tax liens, or other distressing property situations, you have options. At Promising Property Solutions, we provide guidance to help you navigate your situation and explore the best solutions available. Want to learn more about your options? We’re giving away a COMPLIMENTARY TOOL KIT to show you exactly what steps you can take.