Can I Sell My House If There’s a Lien on It in Florida?

Yes — you can sell a Florida property with liens attached. The title company pays them off at closing from your sale proceeds. Here is how it works and what to expect.

Common Liens on Florida Properties

Mortgage lien: Your loan. Paid off first.
HOA/Condo lien: Delinquent dues + attorney fees.
Tax lien: Unpaid property taxes, IRS liens, or municipal code enforcement liens.
Contractor/Mechanics lien: Unpaid remodeling work — must be filed within 90 days of work completion in Florida.
Judgment lien: Court judgment recorded against you (lawsuit, unpaid debt).
Child support lien: Past-due support.

How Liens Get Paid at Closing

The title company runs a title search 15-30 days before closing. Every recorded lien surfaces. Liens are paid IN ORDER OF PRIORITY (usually chronological — first recorded, first paid). Whatever is left after all liens go to you.

What Happens When Liens Exceed the Sale Price?

This is called being “underwater on liens.” Options: (1) Negotiate reductions with each lienholder — many will take 40-70 cents on the dollar. (2) Short sale with lender approval. (3) Bring cash to close. (4) Sell to a cash buyer with lien negotiation experience.

Homeinc Handles Lien Negotiations

We buy Florida houses with liens routinely — HOA liens, code enforcement, tax liens, judgment liens, mechanics liens. Our team negotiates payoffs, our title company clears the record. You get a clean close.

Homeinc has bought hundreds of Florida & Georgia homes since 2013. A-rated with the BBB. No fees. No commissions. No repairs. Close in 7 days or on your timeline. Call (888) 850-2636.

Real Homeinc Customer Reviews

Jessica D. — “The Homeinc team was amazing to work with. Fast, professional, and closed exactly when they said they would.”

Chris S. — “I inherited a house I didn’t want. Homeinc took it as-is, handled the paperwork, and cut me a check in under two weeks.”

Lisa L. — “Facing foreclosure and out of options. Homeinc stopped the bleeding and I walked away with cash to start over.”

Get Your Free, No-Obligation Cash Offer

Fill out the form below or call (888) 850-2636. We buy houses in any condition, in any situation, anywhere in Florida and Georgia. Offers in 24 hours. Close in 7 days.

Related Homeinc Resources

Sell Your Florida House Fast · Sell Your Georgia House Fast · Sell an Inherited House · Stop Foreclosure Now · Sell a House With a Lien · Sell With Tenants · Our 3-Step Process · Customer Reviews