Sell a House With a Lien in Florida
Sell a House With a Lien in Florida
A lien on your Florida house can feel like the deal is dead before it starts. It is not. Homeinc has bought hundreds of houses across Florida and Georgia with liens attached — tax liens, contractor and mechanic’s liens, HOA liens, code-enforcement fines, and judgment liens — and we close in as little as five days.
You do not need to clear the lien yourself. You do not need a real estate agent who has never closed one of these. You need a buyer who has done it before, has the title attorneys ready to go, and has the cash on hand to close on your timeline. That is what Homeinc does.
★ 4.9 / 5 from 950+ Florida sellers • BBB Accredited • Buying Florida homes since 2013 • Call 888-850-2636
Why a lien stalls a normal home sale
When you list with a real estate agent, the buyer almost always uses a mortgage. That mortgage requires a clean title. The moment a title search reveals a lien, the lender pulls back, the buyer’s deposit lands in escrow, and the deal stalls until the lien is paid off. For most sellers, that means writing a check upfront for thousands or tens of thousands of dollars before the sale can move forward.
It gets harder if the lien is contested, has accumulated interest, or sits behind a code-enforcement violation that grows daily. Some Florida code-enforcement liens compound at $250 or more per day. Sellers who try to handle this alone often watch their equity disappear while the paperwork drags on.
A traditional buyer cannot wait. A cash buyer who has done this before can. Homeinc has closed on Florida homes carrying more than $1 million in liens combined. We work with title attorneys who negotiate payoffs, dispute inflated balances, and clear title fast.
The kinds of liens we’ve worked through
Every lien situation is different, but most fall into one of these categories. Homeinc has handled all of them.
- <strong>Property tax liens.</strong> Unpaid Florida property taxes, tax certificates, and tax-deed risks. We can pay the back taxes at closing.
- <strong>HOA and condo association liens.</strong> Unpaid dues, special assessments, and fines from your HOA or condo board.
- <strong>Code-enforcement liens.</strong> Daily-accruing fines from your city or county for violations like overgrown lots, unpermitted work, or open building permits. We negotiate payoffs — many cities settle for far less than the face value.
- <strong>Mechanic’s and contractor liens.</strong> Unpaid contractors who filed a lien against the property after the work was done.
- <strong>Judgment liens.</strong> Liens placed by creditors after a court judgment, including credit card judgments, medical debt, or business disputes.
- <strong>IRS or state tax liens.</strong> Federal or state tax liens that have attached to the property.
- <strong>Mortgage liens behind on payments.</strong> Where the existing mortgage is in pre-foreclosure or short-sale territory — we can negotiate with the lender.
- <strong>Multiple liens stacked.</strong> Title pulls that come back with three, four, or five liens at once. We have closed on many of these.
How Homeinc buys a house with a lien
Call or text us at <a href=”tel:8888502636″>888-850-2636</a>, or fill out the form on this page. We’ll ask a few questions about the property and what you know about the lien. You don’t need to have all the answers — we’ll pull a title report and tell you what’s actually on record.
Most of our offers come back in 24-48 hours. We factor the lien payoff into the offer so you know upfront what you walk away with after everything clears. No surprise deductions at closing.
Once you accept, our title attorneys handle the lien. They negotiate with the city, the HOA, the contractor, or the creditor — whoever holds the lien — and clear it at closing. You don’t need to write a check upfront. The payoff comes out of the sale proceeds.
Standard closings run 7-30 days depending on how complex the lien situation is. We pay all closing costs. Funds are wired the same business day. You sign the paperwork at the title company — or we can come to you anywhere in Florida.
Why sellers in lien situations choose Homeinc
You have options when you sell a house with a lien. Here is why hundreds of Florida and Georgia homeowners have chosen Homeinc:
- <strong>950+ five-star Google reviews.</strong> More than any other Florida cash home buyer. Real homeowners with real situations.
- <strong>BBB A+ Accredited Business.</strong> Independently rated for ethics and customer service.
- <strong>Title attorneys on staff.</strong> We don’t hire it out at the last minute — lien negotiation is a core part of how we work.
- <strong>No upfront money from you.</strong> The lien gets paid out of closing proceeds, not your wallet.
- <strong>Close in as little as 5 days.</strong> If you need to move fast — pre-foreclosure, mounting code-enforcement fines, or a tax-deed auction date — we can match that timeline.
- <strong>We pay all closing costs.</strong> No commissions, no agent fees, no inspection contingencies.
Homeinc not only did the probate but paid for it. I don’t know what I would’ve done without them.
They came in, looked at the property, took care of all the liens, and we walked away with a check. Could not have asked for an easier process.
Get your no-obligation cash offer today
Tell us a little about the property and we’ll have a real, written offer in your inbox within 24 hours. No fees, no obligation, no realtor commissions. Or call 888-850-2636 right now.
Frequently Asked Questions
Can I really sell my Florida house if there’s a lien on it?
Yes. A lien does not prevent a sale — it just changes how the closing works. The lien gets paid off at closing out of the sale proceeds. Homeinc handles the negotiation and payoff so you don’t have to come up with money upfront.
What if I owe more in liens than the house is worth?
It happens, especially with code-enforcement liens that compound daily. In many of these cases we can negotiate with the lien holder to settle for less than the face value — sometimes a fraction. Even if the math is tight, call us. We’ve seen deals work that looked impossible at first glance.
Do I need to pay anything upfront?
No. Homeinc covers all closing costs and pays for the title work, attorneys, and lien payoffs out of the sale proceeds. You will not write a check at any point in the process.
How fast can you close?
For straightforward liens, we close in 5-10 days. For complex situations — multiple liens, contested balances, code enforcement — closings typically take 14-30 days while our title attorneys negotiate. Faster than any traditional sale.
What if my house also has code violations?
We buy houses with code violations all the time. They often come bundled with liens. We’ll factor everything into the offer and handle the violations at closing or after, depending on the situation.
Will I owe taxes on the sale?
Possibly — tax treatment depends on your basis in the property, whether it was your primary residence, and your overall tax situation. We are not tax advisors. We recommend speaking with your CPA. We can structure the closing to give you flexibility on timing.
Related Resources
Ready to get started? Call 888-850-2636 or fill out the form above. We’ll have a real cash offer for you within 24 hours.
We Buy Houses Across Florida
Whatever your situation, Homeinc buys houses in cities across the entire state of Florida. We’ve helped sellers in big cities and small towns alike. A few of the markets we serve: Miami, Tampa, Orlando, Jacksonville, St. Petersburg, Hialeah, Fort Lauderdale, Cape Coral, Tallahassee, Pembroke Pines, Coral Springs, Miramar, Gainesville, Lakeland, Pompano Beach, Brandon, Davie, Boca Raton, Sunrise, Fort Myers, Palm Bay, Clearwater, Naples, Kissimmee, and 270+ more. View our full Florida service area.
Last reviewed and updated for 2026 market conditions. Homeinc’s cash offer process, closing timelines, and no-fee guarantee remain the same. Call (888) 850-2636 for a fresh cash offer today.