Can You Sell a House with a Lien? Here’s How Cash Buyers Can Help
When life throws financial curveballs, it’s not uncommon for homeowners to fall behind on debts. Sometimes, those debts turn into liens against your property. If you’re thinking, “Can I still sell my house with a lien?”- the short answer is yes. But there are a few things you need to know to make it happen smoothly. In Texas, selling a house with a lien can feel overwhelming, especially if you need to sell fast. Whether it’s back taxes, unpaid contractor bills, or a court judgment, liens complicate the process but they don’t make it impossible. With the help of cash home buyers like Sell My House Fast ASAP, homeowners can move forward without waiting months or dealing with costly repairs or agent commissions.
What Is a Lien on a House?
A lien is a legal claim placed against your property by someone you owe money to. That party could be the government, a contractor, a lender, or someone who won a lawsuit against you. It basically gives them a right to part of the money from the sale of your house.
Here are the most common types of liens in Texas:
- Property Tax Liens – These are placed by the county if you haven’t paid your property taxes. Texas takes property taxes seriously, and unpaid taxes can lead to foreclosure.
- Mortgage Liens – If you have a loan on your house, your mortgage company already has a lien in place.
- Mechanic’s Liens – These happen when a contractor or construction company hasn’t been paid for work on the home.
- Judgment Liens – These result from a court ruling if you owe money from a lawsuit or unpaid credit card debt.
When your house has a lien, you can’t legally sell it unless the lien is taken care of but that doesn’t mean you have to pay out-of-pocket to fix the problem.
What to Expect When Selling a House with a Lien
If you’re selling a house with a lien for the first time, here’s what you can expect when working with a cash home buyer in Texas:
- You’ll still get a fast cash offer. Most companies make offers in 24–48 hours.
- The lien will be resolved at closing. Whether it’s taxes, contractor fees, or another type of debt, the title company handles payoff.
- You can skip inspections, repairs, and showings. No need to fix anything, even if the house is in bad shape.
- You choose your closing date. Sell in as little as 7 days or take a few weeks if you need time to move.
And best of all you’re not paying agent fees, commissions, or closing costs. Those savings can help balance out the lien payoff and make the whole process easier on you financially.
Why Cash Home Buyers Make Sense When There’s a Lien
Trying to sell your house through traditional means with a lien attached can be stressful. You may need to pay the lien off upfront, which can delay the process or even prevent the sale. Cash home buyers help you avoid all that.
Here’s why Texas homeowners often choose this route:
- Speed: You don’t need to wait for months to find a buyer. Cash home buyers are ready now.
- Simplicity: No home staging. No repairs. No strangers walking through your house for open houses.
- Certainty: You’re not gambling on whether a buyer’s financing will go through. Cash buyers already have the funds.
- No added costs: You won’t pay listing fees, real estate commissions, or hidden closing costs.
Whether the lien is big or small, dealing with it as part of the sale keeps things simple and allows you to move on with your life.
How to Start the Process Today
If you’re thinking, “I want to sell my house fast, but there’s a lien on it,” you’re not alone. Plenty of Texas homeowners are in the same position. The good news? It’s not a dealbreaker.
Here’s what to do:
- Contact a trusted local home buyer like Sell My House Fast ASAP. We’ll ask a few basic questions about your property and make you a fair, no-obligation cash offer.
- We do the paperwork. You don’t need to figure out how to resolve the lien yourself. We handle the title search, coordinate with the title company, and take care of everything behind the scenes.
- You get cash for your home fast. Even with a lien, many of our sellers close in just a few days. And you don’t have to pay anything upfront.
Your House Might Have a Lien But That Doesn’t Mean You’re Stuck
Liens might feel like a roadblock, but they don’t have to keep you from selling your home quickly. Whether it’s a judgment, tax debt, or unpaid contractor fee, you still have options.
At Sell My House Fast ASAP, we help homeowners across Texas move forward even with complicated situations. We’ve seen it all, and we know how to help. If you’re saying, “I need to sell my house fast and get rid of this lien,” we’re here to make that happen.
If you’re ready to sell your house in Texas even with a lien, we’re ready to help. Fill out our short form to get a fair, fast cash offer from Sell My House Fast ASAP. No repairs, no fees, no stress. Just a simple way to move on with your life.